M Financial Group's superior experience is unparalleled in the industry
Individual Underwritten Mortality Experience By Category
M Financial's mortality experience - actual death claims - is 11% less than the industry high net worth segment (face amounts greater than $1 million). This lowers cost of insurance charges for M proprietary life products.
Premium Lapse Experience
Even in the wake of the financial crisis, M Financial's lapse experience - policies that lapse or surrender - is superior to the industry. This provides a longer time horizon for M Carriers to recoup initial expenses, which drives lower ongoing policy charges for M proprietary life products
Average Face Amount
M Financial's average face amount is nearly seven times that of the industry. This provides economies of scale which lower policy charges for M proprietary life products