Superior Pricing

Lower Mortality Costs

Client Longevity – Actual death claims are 36% less than the “Industry Aggregate.” This allows the costs of insurance to be lower in an M proprietary product.

Lower Lapse Rates

Client Satisfaction – M policies surrender approximately 80% less than the Moody’s Median (Industry Average). This experience allows for more time to recoup initial expenses – resulting in lower ongoing policy charges for M proprietary products.

Higher Average Face Amounts

Economies of Scale – M average face amount is five (5) times that of the industry – providing economies of scale which can lead to lower policy charges and increased levels of service for M proprietary products.