New Suite of Universal Life Products Available Exclusively From HORAN
A Unique Partnership with M Financial and TIAA-CREF to Benefit HORAN Clients

Cincinnati, OH – Cincinnati-based HORAN, a leading consultant in employee benefits and financial services, is pleased to begin offering new universal life insurance solutions to meet the needs of sophisticated clients. The unique partnership between TIAA-CREF and M Financial provides the strength and stability necessary to enable HORAN to help clients protect what matters most. HORAN clients now have the opportunity to purchase life insurance products designed by TIAA-CREF that provide a strong foundation for achieving their financial objectives going forward.

HORAN is one of the more than 130 M Financial firms representing the nation's most successful independently owned financial services companies.

The new market-segmented life insurance products, designed to meet clients' sophisticated financial and estate planning requirements, are the outcome of an agreement between M Financial Group and TIAA-CREF Life Insurance Company. The M Intelligent Series of Life Insurance products include:
• M Intelligent Universal Life Insurance
• M Intelligent Variable Universal Life Accumulator
• M Intelligent Variable Universal Life Protector

“The partnership between M Financial and TIAA- CREF Life will greatly benefit HORAN clients,” stated Terry Horan, CEO. “Not only are these excellent life insurance products, but the offerings are only available to M Financial partners.

TIAA-CREF, a wholly owned subsidiary of Teachers Insurance and Annuity Association, has been writing insurance since 1919. Today, it is one of Fortune’s 100 largest U.S. companies, with more than $464 billion in combined assets under management.

“TIAA-CREF is one of the great quality carriers in our industry,” said Terry Horan. “No insurer has stronger ratings from Moody's, S&P, Fitch and A.M. Best Co.”

M Financial Group is an organization of independently owned financial services firms in which each member firm owns a part of M Financial. Founded in 1978, it was formed to assist insurance companies in creating a new standard of products and services for wealthy and corporate clients - products that are proprietary to M Financial affiliates.

HORAN’s affiliation with M Financial allows the company to offer clients a broad range of proprietary wealth and life insurance solutions that are virtually unmatched nationwide and offer significant value to clients who have placed their trust in HORAN.

“At HORAN, we continually seek new and innovative opportunities for our clients and partners.” added Terry Horan. “We believe that the only way to build a successful company is by doing the right thing for our customers. Our investment in M Financial reflects our commitment to deliver products and services that help individuals achieve financial well-being through different life stages with varying financial needs.”