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.
Most people spend more time and are far more invested in purchasing a new car than their life insurance. Once they buy their policy, they sit back and forget about it. However, like a car, an insurance policy requires ongoing maintenance.
Continue reading “Life Insurance Reviews: Is It Time to Check Under the Hood?”
As the stock market’s bull run extends into its seventh year, investment advisors are increasingly looking to hedge funds and other low-correlation alternative asset classes to generate alpha and diversification for their clients. According to data from BarclayHedge, total assets managed by hedge funds increased 46% from 2010 to 2014. Hedge Fund Research reported that investors allocated $18.2 billion of net new capital to hedge funds in the first quarter of 2015, increasing the hedge fund industry’s total assets to $2.9 trillion.
Most advisors are familiar with the benefits of life insurance as a vehicle for transferring wealth, but few realize how attractive it is from an internal rate of return (IRR) perspective. Often advisors’ perceptions of the costs and IRR potential of life insurance are based on outdated information about policy design and performance. That is why we encourage advisors to revisit the potential benefits of life insurance as a tool for high-net-worth clients to not only transfer wealth, but also to build and protect wealth.
Life insurance can be an important piece of a well-crafted wealth transfer strategy for high-net-worth clients. By removing assets from the client’s taxable estate, permanent life insurance can significantly increase the amount of after-tax wealth parents and/or grandparents can pass on to younger generations.
Continue reading “Premium Alternatives: Exploring Options to Pay for Life Insurance”
It’s no secret that planning for long-term care (LTC) is an important consideration for Americans as they approach retirement. Almost 70% of people turning age 65 will need some form of LTC at some point in their lives, according to the U.S. Department of Health and Human Services.
Continue reading “Long-Term Care Insurance: Know Your Options”
