Life Insurance Services

Life Insurance Planning

WealthPoint has extensive expertise with designing sophisticated life insurance solutions for high net worth family groups and family businesses. WealthPoint helps its clients and/or their advisors make informed decisions about products, pricing, and funding strategies and can provide a review of existing life insurance portfolios through its Life Insurance Review and Market Study.

We provide liquidity solutions with purpose. Similar to our succession and wealth transfer planning solutions, we believe that a global approach should be utilized in dealing with life insurance decisions. Life insurance products should serve a specific purpose, they provide; a source of liquidity, wealth accumulation or tax deferral. We believe these products should be incorporated strategically into a comprehensive planning process in order to maximize the asset protection and income and estate tax benefits.

As an Affiliate Firm of M Financial Group, WealthPoint has access to some of the best products and practices in the life insurance industry (read more about M Financial in the sidebar).

The WealthPoint Difference

Proprietary Pricing: Through our relationship with M Financial, we have access to products that are less expensive than off-the-shelf products sold through other agents and brokers (see the sidebar).

Large Case Experience: We are one of the few firms in the country with experience in managing the process of assembling large life insurance portfolios (over $50 million).

Funding Philosophy: We assist you and your advisors in choosing the most advantageous policy funding structure for your specific needs and circumstances.

Blending or “Dialing Down” Compensation: Most agents and brokers don’t view compensation as a policy design feature (or at least not until forced to by the competition). We start with a better-priced product and make it even more efficient through “dialing down” compensation – effectively reducing our commissions so our clients get a better price and/or more value.

Commission Disclosure: We commit to complete compensation transparency. We will open the “black box” of insurance and help you understand how and why we are utilizing the tools we are using and why they will benefit you.

Superior Policy Service: We utilize the best practices suggested in our Life Insurance Review and Market Study. In-force reviews are done annually along with a market study every 3-5 years.

Planning Orientation: Because of our planning orientation, we are process and objective focused, not product focused. We make sure your products are continually coordinated with the overall planning objectives.

M Financial Group

M Financial was founded on the principal that “off-the-shelf” products often do not meet the needs of ultra-affluent and corporate clients. Since 1978, M Financial has worked closely with the nation’s most prestigious insurance carriers and investment firms to develop innovative products with unique features and flexible coverage and pricing options that complement the needs and objectives of Member Firm clients.

A number of factors drive M Financial’s success with proprietary products, including:

Relationships: The strong, long-term relationships Member Firms maintain with clients, and the established partnerships M Financial has with a select group of carriers allow M to deliver product and service differentiation to its Member Firms.

Favorable Experience: With a credible experience pool that clearly reflects the extraordinary mortality, persistency, premium volume, and high average face amounts of ultra-affluent clients, M Financial is in the unique position to work with its partner carriers to develop proprietary products priced for the clients of Member Firms.

In-force Management: M Financial, together with its partner carriers, continuously monitors the service, experience, and performance of in-force business to ensure that proprietary products continue to be effective. As a result of this unparalleled level of oversight, pricing enhancements, supported by experience data, have historically been applied to both new sales and in-force business, a principle that is rare in the industry.

The result of M Financial’s relationships, favorable experience fundamentals, and commitment to in-force management can be seen in a diverse selection of exclusive products offered by North America’s most recognized and respected insurance brands. The first M proprietary products were launched in 1996. Today, Member Firm clients have access to more than 20 M-priced proprietary products, a level of product access unparalleled in the industry.

For further information on M Financial Group, please go to