Disclaimer
Benefit Concepts, Inc. and their agents are presently licensed to sell traditional life insurance in AL, AZ, CA (#0638282, #0793080),
CO, CT, DE, FL, GA, ID, IA, IL, KS, LA, MI, MN, MO, MT, NC, ND, NE, NJ, NM, NV, NY, OR, PA, SC, SD, TX, UT, VA, WA & WI.
Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc.,a registered broker dealer and Investment Advisor,
member FINRA / SIPC.Benefit Concepts, Inc. is owned and operated independently from M Holdings Securities, Inc.

Benefit Concepts, Inc. is a member of M Financial Group.Please go to mfin.com/DisclosureStatement.htm for further details regarding this relationship.