OUR PROPRIETARY PRODUCT PRINCIPLES

O U R P R O P R I E TA RY P R O D U C T P R I N C I P L E S
Exclusive
Access
Pricing That
Reflects
M Experience
Significant
Differential
Over Retail
Top-tier
Competitive
Positioning
Active
In-force
Management
M proprietary
products are available
only to clients of
M Member Firms.
The superior experience
of Member Firm clients
(mortality, persistency,
lower expenses)
warrants better pricing.
Our belief that
sustainable performance
matters—beyond the
initial illustration—is
demonstrated in the
design of M proprietary
products.
M proprietary products
are consistently
competitive at the
highest levels across a
wide array of scenarios.
When better-thanexpected experience
emerges, and
in-force repricings are
implemented, value is
allocated to where it
was created: to existing
M proprietary product
policyholders.
As of 5/1/15