- Life InsuranceEleven years ago, the IRS adopted new regulations governing the taxation of split-dollar life insurance arrangements (SDAs) entered into after September 17, 2003. SDAs entered into before that date—unless materially modified after that date—are grandfathered, governed by prior administration rulings and cases. If plan administrators don't maintain the plans as prescribed in the regulations, or materially modify the plan, they risk having the equity in the policy (the cash surrender value in excess of principal) recognized and taxed.
- Disability InsuranceMany Executives and Professionals face reverse discrimination in their group long-term disability plans. The plan maximum is not high enough to cover the executive’s larger salary and many times does not cover the bonus at all. PFG understands how group long-term disability and individual disability insurance can be combined to maximize benefit and stabilize cost. PFG has administered large multi-life disability plans for over 20 years for executive and professional groups.
- Long Term CareToday’s landscape for employer provided long term care insurance is very limited. PFG can show you what plans are available today as well as unique new plans to consider.
- AnnuitiesCollectively, 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 21%. In 2011, M Financial's sales (including life insurance, annuities, disability, and 401(k)) totaled $1.3 billion.