Exceptional Solutions
The Power of M Financial Group
Our Broker Dealer
"M" Profile
AUCTORIS is one of over 130 M Financial Group Member Firms. M Financial Group is one of the nation’s leading financial service design and distribution companies.
Since 1978, M Financial’s network of independent insurance and executive benefit firms has served the needs of ultra-affluent individuals, corporate executives, successful entrepreneurs, and Fortune 1000 companies. M Financial Member firms are in in 37 states, and the United Kingdom.
Proprietary Product Pricing
M Financial’s collective buying power and superior experience (mortality, persistency and policy size) result in exclusive pricing for proprietary products. In addition, these pricing benefits are applied to both new sales and in-force business.
Since proprietary products were introduced in 1996, there have been 54 repricing’s for both new and in-force policies. Continued improvements on in-force policy performance have delivered cost reductions upwards of $200 million.
M Financial
Services
M Financial was founded on the principle that “off-the-shelf” products often do not meet the needs of the ultra-affluent and corporate clients.
M Financial works closely with the nation’s most prestigious insurance carriers to pioneer the industry’s most innovative solutions. The client base of Member Firms represents the experience of the ultra-affluent marketplace.
Access to this experience data, combined with the collective buying power of these clients, translates into the ability to create proprietary products designed specifically for wealth preservation, wealth transfer, and executive benefits programs. These products are available only to the clients of M Member Firms.
M Average Face Amount
M Financial’s average face amount is more than ten times that of the industry. This provides economies of scale for Partner Carriers that allow for lower policy charges for M proprietary life products.
M Policy Lapse Rates
Over the past five years, and in the wake of the financial crisis, M Financial’s lapse experience (policies that lapse or surrender) has averaged nearly 60% lower than the industry. This provides a longer time period for Partner Carriers to recoup initial expenses, which drives lower ongoing policy charges for M Proprietary life products.
M Mortality Rates
The M Financial mortality experience, actual death claims, is 14% less than the industry high net worth segment (face amounts greater than $1 million). This lowers cost of insurance charges for M proprietary life insurance products.
Exceptional People Deserve Exceptional Solutions
M Financial Group
Disclosures
Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINRA/SIPC. Auctoris is independently owned and operated. Auctoris is a member of M Financial Group. Please go to mfin.com/DisclosureStatement.htm for further details regarding this relationship.
Check the background of this firm and/or investment professional on FINRA’s BrokerCheck
For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to mfin.com/m-securities.
Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. CA Insurance License #0B71087
This site is for information purposes and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, financial or tax advisor or plan provider.
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