American Benefit Corporation
M Financial Group American Benefit Corporation specializes in developing strategic solutions to executive benefit needs.
At American Benefit Corporation, we design, fund and manage executive non-qualified benefit plans for highly compensated corporate executives who wish to reduce current income taxes and form personal capital on a tax efficient basis. Established more than 30 years ago, we serve the unique needs of executives in numerous corporations with their personal capital formation objectives.
American Benefit Corporation News Room
American Benefit Corporation and its representatives are presently licensed to operate in particular states of jurisdiction and may operate only where licensed and, with regard to any particular product, where that product has been approved. American Benefit Corporation and/or James W. Herlihy are currently licensed to market insurance and investment products in Arizona, Connecticut, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Vermont.
The insurance and/or investment product information on this site is not intended for distribution or use in any states or jurisdictions where our company, its products, or representatives are not so licensed or approved.
Securities offered through M Holdings Securities, Inc. A Registered Broker/Dealer, member FINRA/SIPC. American Benefit Corporation is independently owned and operated.
American Benefit Corporation is a member of M Financial Group. Please go to www.mfin.com/DisclosureStatement for further details regarding this relationship.
Featured Case Study
Reduce Turnover With Corporate Match
A large east coast grocery store chain employed pharmacists in each of their stores. They were experiencing 40% turnover each year within this group and wanted a benefit plan that would increase their retention.
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American Benefit Corporation is a member of the prestigious M Financial Group, an exclusive network of the nation's most successful financial services firms.
Profile
With more than 120 Member Firms, M Financial Group is one of the nation's leading financial services design and distribution companies. Since 1978, M Financial’s network of independent insurance, investment, and executive benefit firms has served the needs of ultra-affluent individuals, corporate executives, successful entrepreneurs, and Fortune 1000 companies.
Services
M Financial Group's Member Firms are recognized leaders in the wealth transfer, executive benefits, and wealth management markets. Through the relationships M Financial has established with major product manufacturers, including John Hancock, Lincoln Financial Group, Nationwide, Pacific Life, Prudential, Sun Life, and Unum, and the expertise of more than 120 leading independent Financial services firms, Member Firms are uniquely positioned to deliver customized insurance, benefits, and investment solutions that meet the complex needs of their clients.
M Financial was founded on the principle that "off-the-shelf" products often do not meet the needs of the ultra-affluent and corporate markets. For more than 30 years, M Financial has worked closely with the nation's most prestigious insurance carriers and investment firms to pioneer the industry's most innovative solutions. The client base of Member Firms represents the experience of the ultra-affluent marketplace. Access to this experience data, combined with the collective buying power of these clients, translates into the ability to create proprietary products designed specifically for wealth preservation, wealth transfer, and executive benefits programs. These products are available exclusively to the clients of M Member Firms. In addition, M Holdings Securities, Inc., M Financial full service broker/dealer, and M Wealth, M Financial wealth management division, provide Member Firms with access to a wide variety of investment products and services.
M Financial Re, a life reinsurance company owned by M Financial stockholders, reinsures a large percentage of the business Member Firms write, providing Members with an equity stake in their business. M Financial Re also aligns the interests of producers and carriers for quality business and helps to facilitate strong relationships between Partner Carriers and M Financial. M Financial Re is a subsidiary of M Financial.
Working with an M Member Firm provides the assurance of working with true client advocates whose interests are aligned with those of their clients and who can provide truly customized approaches for specific client needs.
Expertise
M Members represent the best and the brightest minds in the industry, and participate in a community of sharing that facilitates an exchanges of new ideas and best practices. This collaboration continues to deliver significant value to all Member Firm clients.
Member Firms are also active leaders in preserving the ability of clients to plan for the future with effectiveness and certainty.
Twelve Member Firm Principals have served as president of the Association for Advanced Life Underwriting (AALU), the life insurance industry's preeminent advocacy organization; dozens more have served on the AALU Board and various committees. M Financial is the only producer organization that is an active member of the American Council of Life Insurers (ACLI).
Purchasing Power
Collectively, M Member Firms are among the largest buyers of insurance and financial products in the nation. In terms of purchasing power, M Financial's results tell the story. Since 1978, M Financial's sales have grown at a compound annual growth rate of 23%. In 2008, M Financial's sales (including life insurance, annuities, disability, and 401(k) totaled $1.5 billion.
Proprietary Products
A Passion for Distinction
M Financial Group was founded on the principle 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 options that complement the needs and objectives of Member Firm clients.
Proprietary products are a natural fit for M Financial. Together, we apply the best practice in the industry, have a strong entrepreneurial spirit, and consistently distinguish ourselves from the competition. We are creative and innovative, and are always looking for better ways to help Member Firms achieve their clients' goals. 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 deep partnerships M Financial has with a select group of Carriers, allow us to deliver product and service differentiation to 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 our Partner Carriers to develop proprietary products priced for the clients of Member Firms.
- Inforce Management - M Financial, together with Carriers, continuously monitors the service, experience, and performance of inforce 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 inforce business, a principle that is rare in the industry.
M Financial's collective buying power and superior experience (mortality, persistency, and policy size) result in exclusive pricing for proprietary products available to Member Firm clients.
Favorable Experience Fundamentals
A History of Sustained Success
Proprietary products continue to be an essential part of M Financial's success. Since the first M proprietary product was introduced in 1996, M Financial’s sales have grown at a compound annual rate of nearly 17%. Overall, M Member Firms have more than $128 billion of face value inforce and manage client assets totaling more than $31 billion.
Carrier Alliances M Financial Group has strategic alliances with a select group of major insurance companies chosen for their financial strength, product performance, management accessibility and capabilities, dedication to the affluent market, and willingness to commit substantial resources to servicing the unique client needs of Member Firms. Click on a logo to visit one of M Financial Group’s insurance carriers.
Information in this section is not considered to be a recommendation or offer to purchase any product.
Inforce Management
Our Commitment to Inforce Management M Financial believes that performance and cost should be measured over the life of an insurance product, not with an initial illustration or the first year premium. This commitment to inforce management may be M Financial's most powerful differentiating characteristic. M Financial is unique in the industry in both philosophy and practice - no other organization provides this level of service to its clients.
M Financial Inforce Management Principals- - Collaborate with Partner Carriers and align interests and philosophy.
- - Segregate M Financial's superior experience — do not dilute quality with data from non-Member Firm clients.
- - Track experience and performance diligently.
- - Work with Partner Carriers to pass on improvements in underlying experience to existing clients.