Rapid change is shaking up the life insurance industry, increasingly making it a challenge for financial professionals to ensure the continuity and service their clients need to keep their life insurance plan on sure footing. M Financial Group has the stability your advisors of high net worth (HNW) clients require. With a large portfolio of exclusive products, the M block of business is not subject to the same dynamics as other insurance contracts. Download our guide here.
Goldstein Financial Group is a proud Member Firm of M Financial Group. M Financial Principals provide exclusive advantages to their clients and advisors. These advantages become particularly important as persistent low-interest rates have substantially diminished performance and prompted carriers to limit the availability of product features. M Principals advocate on behalf of their clients through ongoing service and support.
In addition to providing independent advice, creative problem solving, and superior support, M Principals offer access to M’s suite of exclusive products. M Financial works closely with carrier partners to create exclusive products for high-net-worth individuals and corporate clients. These products have historically been built with lower charges and added features not available through retail products generally offered to consumers.
Resources like these make the difference between the high-net-worth and corporate markets. Download the brochure to learn more about pricing and other exclusive advantages of M Financial Group’s products. Download our Guide to learn more.
Join Our Next Webinar!
“Maximizing Your Client’s Exemption – Use It or Lose It”
Goldstein Financial Group, LLC welcomes Eric Eklund, Esq. to discuss maximizing client gifts, leveraging low interest rates, and intra-family lending techniques.
When: Thursday, October 15th
Time: 9:00 AM PDT/ 11:00 AM CDT
Register Here: Webinar Featuring Eric Eklund
Eric Eklund, Esq. with M Financial Group, advises the nation’s top life insurance professionals on business planning, estate planning, securities, and tax planning. Join us by registering through the link above.
As a society, our new normal continues to evolve both personally and professionally. While this is certainly a world none of us ever wished for (or perhaps even imagined possible), it is our reality.
First and foremost, we hope for continued good health for all.
We at Goldstein Financial Group, LLC are available and operating remotely should you have any questions or require assistance. We invite you to call or email as you always have.
M Financial and our industry partner insurance carriers also stand by fully prepared to assist with your life insurance needs.
Lastly, as a member firm of M Financial Group, we received a thoughtful update on the life insurance industry from Wes Thompson, President and CEO of M. For our clients and friends who may have interest, an excerpt of this message follows – I personally found this well written, and thought it beneficial to share.
The Volatility Index (VIX), which measures investor expectations of market volatility, has spiked. From trading around 10 at the start of the year, the index rose to 37 on February 5 before retreating to the 20-range. This indicates a dramatic swing in expected volatility in 2018.
In the face of historically low interest rates, adverse mortality, increased reinsurance rates, and decreased profitability, some carriers have raised cost of insurance (COI) rates for in-force policies.
On December 16, 2015, the Federal Reserve (Fed), as widely expected, approved a quarter-point (0.25 percent) increase in its target funds rate. The new target is now 0.25 percent to 0.5 percent (up from 0 percent to 0.25 percent). This is the first Fed fund rate increase in more than seven years.
