Due Care Bulletins

August 2011
Provides Initial Perspectives on S&P's Downgrade of U.S. Credit Rating

April 2011
Financial Strength of the Life/Annuity & Health Insurance Industry: Rating Agency Report Summary

March 2010
Analysis of Life & Health Insurer Impairments

December 2009
Comparison of Whole Life vs. Universal Life
- Overview
- Assessment
- Common Questions and Answers

November 2009
Assessing the Impact of the Decline in the Commercial Real Estate Market

August 2009
Assessment of Face Reductions

June 2009
Policyholder Protections Assessment

March 2009
Q&A: Carrier Solvency and the Impact On Policyholders
- M Life Insurer Financial Profile

February 2009
The Impact of the Current Economic Environment on NLG and Annuity Products

Disclaimer

Financial Concepts, Inc. and its representative, Patrick J. McNamara* is presently licensed to sell traditional life insurance in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Insurance services are limited to residents of the above listed state. Residents of other states should consult with a local agent for insurance services.

Variable life and annuity products, as well as other securities products, may be sold in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Residents of other states should consult with a local registered representative for securities products.

Proper state registration is mandatory prior to conducting business in any state.

Securities offered through M Holdings Securities, Inc, a Registered Broker/Dealer, Member FINRA / SIPC. Financial Concepts, Inc. is independently owned and operated. Financial Concepts, Inc. is a member of M Financial Group. Please go to mfin.com and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship.