444 Liberty Ave. Suite 750
Pittsburgh, PA 15222-1207

Phone: (412) 497-1750
Fax: (412) 338-0241

GATEWAY FINANCIAL IS MOVING! Please note that as of 7/24/2017, our new office location will be:
Four PPG Place Sixth Floor Pittsburgh, PA 15222

Proprietary Insurance Products

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


M Mortality Experience (actual death claims), is 14% less than the industry high net worth (face amounts greater than $1 million), which lowers cost of insurance charges in an M proprietary life product.


M Lapse Experience Over the past five years and in the wake of the financial crisis, M Financial’s lapse experience (policies that lapse or surrender) has averaged nearly 60% lower than the industry.   This provides a longer time horizon for Partner Carriers to recoup initial expenses, which drives lower ongoing policy charges for M proprietary life products.


M Average Face Amount is nearly 12 times that of the industry, providing economies of scale which lower policy charges for M proprietary life products.