Life insurance provides payment of a death benefit at the death of the insured(s). However, life insurance has many unique characteristics that may make it an appropriate solution for a variety of uses in addition to the death benefit protection. Some of these characteristics include:

• Policy cash values accumulate on a tax-deferred basis.
• Policy death benefits are received income tax-free.
• Policy cash values may be accessed on a tax advantaged basis. Please keep in mind loans and partial withdrawals may decrease the death benefit and cash value and may be subject to policy limitations and income tax.

Although often mistakenly viewed as a price only decision, the long-term nature of life insurance necessitates careful consideration in the selection of the insurance carrier, the product type and the agent or agency to represent you and interact with your heirs. Issues such as these highlight the power of the M Financial Group. Member Firms are comprised of successful and experienced professionals in the business. The collective buying power of M allows Member Firms to utilize more favorable pricing experience than off-the-shelf products and to garner special service considerations. Reinsurance through M Financial Re allows Member Firms to have greater insight into the pricing fundamentals of various policies. These and other advantages through the M Financial Group make selection of a Member Firm as your representative a prudent choice. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

Click on these links to learn more about Types of Life Insurance and
Purposes of Life Insurance or contact us.