Why CFG?

Established in 1987, Cohn Financial Group (CFG) specializes in complex life insurance planning and is a leader in Private Placement Life Insurance (PPLI). CFG works exclusively with high net worth families, individuals, RIA’s and family offices throughout the United States.

Sophisticated investment structures utilizing life insurance require unique expertise. These transactions can involve complex tax and legal strategies, funding decisions, and cost dynamics. Even the process of coordinating medical and financial underwriting with primary and reinsurance companies is a specialized task requiring years of experience. Handling those kinds of intricate and multi-faceted details is where CFG excels. Our key staff has over 100 years of combined experience placing ultra-complex insurance cases including private placement life insurance and annuities.

Through our membership in M Financial Group, we have access to proprietary products which have lower cost structures specifically priced for high net worth clients. M Financial Group also has the buying influence to obtain best underwriting decisions from multiple carriers.

Client Service

Both investors and their advisors have expectations about how their policies will perform over time. One of the most important functions of CFG is the timely reporting of policy performance, including charges and investment performance, and how they impact policy values. We have an entire team dedicated to providing monthly, quarterly, and annual reports to ensure performance is tracking expectations and to help investors make timely adjustments when needed.

Many firms in our industry boast about their commitment to client service, but few actually provide the level of attention offered by CFG. Our professional relationships are personal. Questions are answered quickly and intelligently by accessible and familiar staff.

M Financial

What is M Financial Group?

M Financial Group is one of the nation’s premier financial services firms, serving ultra-affluent individuals, families, corporate executives, successful entrepreneurs, and Fortune 1000 companies. M Financial Group was founded in 1978 and is owned by 155 independent Member firms in 40 states, Switzerland, United Arab Emirates, and the United Kingdom.

What does M Financial Group bring to the table?

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 40 years, M Financial has worked closely with some of the nation’s most prestigious insurance carriers and investment firms to pioneer some of 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 Financial Member Firms

Together with partner carriers, we continuously monitor the service, experience, and performance of in-force business to ensure our proprietary products are effective. As a result, pricing enhancements have historically been applied to both new sales and in-force business, a principle that is rare in the industry.

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.

What are the benefits of working with M Financial Group?

Access to more than 40 exclusive and proprietary products not available through retail investment channels

Better pricing and underlying cost structures that positively impact investment performance

In-force Management – To date, there have been 54 pricing improvements on in-force policies, equating to over $200 million in cost reductions to existing policyholders.

Gallagher

Cohn Financial Group was acquired by Gallagher (formerly Arthur J. Gallagher & Co.) in February 2015. Gallagher is an international insurance brokerage and risk management services firm, headquartered in Rolling Meadows, Illinois. It has operations in over 30 countries and offers client-service capabilities in more than 140 countries around the world through a network of correspondent brokers and consultants. Gallagher is fortune 500 company with over 27,000 employees.