M Financial is the only independent distribution network that invests its own capital in the business placed by Member Firms. M Financial is the only distribution system that invests its own capital in the business placed by its member firms. Through M Financial Re, M Financial invests upwards of $50 million a year in the high-quality business placed by M Member Firms. Reinsurance provides access to carrier pricing assumptions, which allows M Financial to effectively track experience, while monitoring changes in policyholder interests.1
Our firm’s underwriting experience, as well as the high quality of the business placed by M Member Firms, plays a critical role in our ability to offer high quality underwriting support and service. We understand the complexities of the process and also have access to the experience of other Member Firms and M Financial. The M Financial underwriting team has decades of experience in overcoming challenges in the risk assessment process. Combining this knowledge helps us facilitate competitive underwriting offers, while simplifying the underwriting experience for our clients.
The combination of experience, relationships, and a shared commitment to collaboration allows Greenberg, Wexler & Eig to negotiate effectively on behalf of our clients. The volume of M Member Firm business as well as superior mortality, persistence, and expense experience, help give us credibility and clout. Placing quality business is a priority for our firm, and this alignment of interests with M Carriers help to enhance the value we deliver to clients.
M Financial is committed to in-force management. As a pioneer of the concept that existing clients should be treated just as well as future clients, M’s in-force management is based on the belief that performance and cost should be measured over the life of the policy, not with an initial illustration or first-year premium. This commitment to preserving the effectiveness and efficiency of M exclusive products has resulted in 54 re-pricings for both new and in-force policies. Since 1996, upwards of $200 million of cost reductions have been passed along to M Member Firm clients. Exclusive products are a significant component of M Financial’s success. Available exclusively through M Member Firms, M exclusive products are designed and priced using M Financial’s unique mortality, persistency, and face amount experience. 1
We are fortunate to have access to the intellectual capital of partner M Member Firms in the United States, Canada, and the United Kingdom. This network provides Greenberg, Wexler & Eig with the opportunity to share ideas and concepts with some of the best minds in the industry and use these collaborative findings with the clients and advisors we serve.