Our Advantages

With decades of experience and deep relationships with leading life insurance companies, Mullin Barens Sanford Financial (MBS Financial) is uniquely positioned to deliver differentiated solutions consistent with the objectives of our clients.


MBS Financial’s expertise and experience includes designing and overseeing more than 200 deferred compensation plans and 50 life and disability plans for over 100 corporate clients. Our clients include Fortune 100 firms as well as many medium sized public and private companies. MBS Financial also services individual life insurance purchases that meet a variety of needs for over 1000 individual clients.

Purchasing Power

MBS Financial currently manages over $18.6B in total life insurance policy volume with $10.9B in policy cash values. This results in tax savings to our corporate, banking and individual clients exceeding $1B over the last 5 years.

Proprietary Products

The aggregation of superior mortality experience and significant sales volume facilitates access to products designed and priced exclusively for corporate and high net worth clients that are simply not available to others in the marketplace. Learn more.

Collective Strength

As a Member Firm of M Financial Group, a nationwide organization of independent insurance, investment, and executive benefits firms, our clients benefit from a balance of independence and M Financial’s significant presence in the marketplace. The collective volume and experience of M Member Firms results in a powerful combination of proprietary product selection, at lower costs, and ongoing service for our existing clients.


MBS Financial is an independent firm, therefore we are free to offer dedicated services and select products in the best interests of our clients. We work closely with clients and their advisors to help define their objectives, identify the best products to fit their ongoing needs, and manage their portfolio over the long term.

In-force Management

As a pioneer of the concept that existing clients should be treated just as well as future clients, the improved experience emerging from M Financial’s proprietary insurance products since 1996 has fueled 35 in-force price improvements and more than $150 million in post-purchase cost reductions for Member Firm clients. The M mortality experience (used to calculate cost of insurance) is 38% less than the industry average, and the M average face amount is five times higher than the industry average. Learn more.