Unparalleled Client Advocacy

M Due Care

More informed decisions lead to more rewarding choices.

This is an internal communication system designed to ensure that BEJS’s service team is up-to-date on the latest industry, product, and service developments.

Tests Required for Policies up to $10 million & Age 70:

M Financial is focused on enhancing the underwriting process, which has become increasingly onerous for clients over the years.
Armed with superior mortality experience, M Financial has worked closely with carriers to establish proprietary underwriting advantages that eliminate redundancy, increase protective value, and enhance the overall experience for clients.
For cases up to $10 million of death benefit (and age 70), a select group of carriers has eliminated MD exams, treadmills and Inspection Reports – leaving only paramedical exam, blood profile, urinalysis, and EKG! Please contact Barry, Evans, Josephs & Snipes for more details regarding this underwriting advantage.

Since 1996, an estimated $50 million of cost reductions have been passed along to member firm clients.

Based upon a philosophy 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 proprietary products has resulted in nine (9) re-pricings for both new AND inforce policies.
Since 1996, an estimated $57 million of cost reductions have been passed along to member firm clients.
It is estimated that the future value of these cost reductions will be an additional $150 million.