black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

MICHELLE MARIE IBARGUEN

PRODUCER RESIDENT

License Number:
PRR23525
Status:
Active
First Licensure:
10/22/1988
Cancel Date:
None
Renewal Date:
03/31/2027

Continuing Education:
Required by 03/31/2027
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
0
Total Acquired:
16

Mailing:
BANGOR, ME 04402
Phone:
+1 (207) 518-5840
Email:
licensing@crossagency.com

History
License Type Start Date End Date
PRODUCER RESIDENT 10/22/1988 03/31/2027

Agency
Name Issue Date License Number Expiration Date Cancel Date
CROSS INSURANCE, INC. - MAINE
 02/01/2024 AGR19087
DESMOND & PAYNE INC
 05/17/2018 AGR2206 01/24/2024
FAIRFIELDS INSURANCE AGENCY AUGUSTA
 05/15/2003 AGR36484 05/15/2003
JONES HOXIE CORPORATION
 11/13/2002 AGR87114 10/19/2018
MORSE PAYSON & NOYES
 01/12/1998 AGR3115 01/03/2000
MORSE PAYSON & NOYES
 07/31/1998 AGR3115 01/03/2000
MURCH & DYER ASSOCIATES
 01/05/2000 AGR16742 11/13/2002

Employer
Name Issue Date License Number Expiration Date Cancel Date
21ST CENTURY PREMIER INSURANCE COMPANY
 02/05/2009 PCF321 09/27/2010
ACADIA INSURANCE COMPANY
 05/21/2003 PCF35064
ACE AMERICAN INSURANCE COMPANY
 01/23/2024 PCF640
ACUITY A MUTUAL INSURANCE COMPANY
 06/23/2015 PCF155357
AETNA HEALTH INC
 08/09/2000 HMD45749 07/26/2022
AETNA LIFE INSURANCE COMPANY
 08/09/2000 LHF621 07/26/2022
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
 05/04/2004 LHF846 08/27/2011
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 10/28/2015
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893
AMERICAN AUTOMOBILE INSURANCE COMPANY
 04/04/2011 PCF356
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA
 03/03/2009 PCF358
AMERICAN CONTRACTORS INDEMNITY COMPANY
 08/24/2010 PCF81110
AMERICAN ECONOMY INSURANCE COMPANY
 08/09/2011 PCF363 05/28/2021
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS
 07/01/2002 LHF645 08/04/2003
AMERICAN FIRE AND CASUALTY COMPANY
 12/16/2015 PCF200822 12/23/2021
AMERICAN FIRE AND CASUALTY COMPANY
 02/02/2022 PCF200822
AMERICAN GENERAL LIFE INSURANCE COMPANY
 10/03/2000 LHF119 05/26/2009
AMERICAN GENERAL LIFE INSURANCE COMPANY
 01/01/2013 LHF119 05/19/2015
AMERICAN GENERAL LIFE INSURANCE COMPANY OF DELAWARE
 02/22/2005 LHF77803 12/31/2012
AMERICAN GUARANTEE & LIABILITY INSURANCE COMPANY
 06/20/2003 PCF366
AMERICAN INTERSTATE INSURANCE COMPANY
 03/20/2003 PCF45974 03/31/2004
AMERICAN NATIONAL INSURANCE COMPANY
 11/12/2001 LHF11 06/07/2006
AMERICAN STATES INSURANCE COMPANY
 08/09/2011 PCF377 07/09/2021
AMERICAN ZURICH INSURANCE COMPANY
 06/20/2003 PCF914
AMERITAS LIFE INSURANCE CORP
 10/17/2002 LHF944 02/09/2005
AMGUARD INSURANCE COMPANY
 10/15/2003 PCF51460
ANSUR AMERICA INSURANCE COMPANY
 02/27/2024 PCF95773
ARCH INSURANCE COMPANY
 12/02/2015 PCF62719 05/08/2019
ASSURANCE COMPANY OF AMERICA
 06/20/2003 PCF651 07/27/2012
ATHOME INSURANCE COMPANY
 05/22/2006 PCF503 09/27/2010
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 10/22/1988 PCF659
BANNER LIFE INSURANCE COMPANY
 12/25/1999 LHF50047 08/09/2008
BERKLEY INSURANCE COMPANY
 08/16/2013 PCF166289
BERKLEY NATIONAL INSURANCE COMPANY
 02/23/2016 PCF144434
BERKLEY REGIONAL INSURANCE COMPANY
 11/05/2013 PCF48727 08/04/2015
BERKLEY REGIONAL INSURANCE COMPANY
 02/23/2016 PCF48727
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 05/23/2003 PCF396
CASCO INDEMNITY COMPANY
 01/01/2013 PCF921 01/21/2025
THE CHARTER OAK FIRE INSURANCE COMPANY
 02/13/2004 PCF403
CHUBB INDEMNITY INSURANCE COMPANY
 05/28/2003 PCF591 06/17/2003
CIGNA HEALTHCARE OF MAINE INC.
 06/13/2000 HMD4 06/15/2006
CITIZENS INSURANCE COMPANY OF AMERICA
 01/03/2003 PCF937
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY
 01/21/2002 LHF100 02/25/2008
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 10/24/2023 PCF416
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
 06/13/2000 LHF149 08/15/2006
CONTINENTAL CASUALTY COMPANY
 03/03/2009 PCF420
CONTINENTAL INSURANCE COMPANY
 03/03/2009 PCF782
CONTINENTAL WESTERN INSURANCE COMPANY
 09/29/2005 PCF673
COUNTRY MUTUAL INSURANCE COMPANY
 01/01/2017 PCF78610 06/27/2018
DAIRYLAND INSURANCE COMPANY
 11/26/2002 PCF721 01/26/2004
DEARBORN LIFE INSURANCE COMPANY
 01/01/2002 LHF919 10/18/2013
EASTGUARD INSURANCE COMPANY
 10/15/2003 PCF101 11/19/2004
EMPIRE GENERAL LIFE ASSURANCE CORPORATION
 02/14/2000 LHF51007 01/01/2007
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 01/06/2011 PCF434
EXCELSIOR INSURANCE COMPANY
 09/30/2002 PCF46786 04/26/2024
EXECUTIVE RISK INDEMNITY INC.
 05/28/2003 PCF42522 06/17/2003
FARMINGTON CASUALTY COMPANY
 05/18/1990 PCF995 06/30/2014
FEDERAL INSURANCE COMPANY
 05/28/2003 PCF439 06/17/2003
FEDERAL INSURANCE COMPANY
 01/23/2024 PCF439
FIDELITY AND GUARANTY INSURANCE COMPANY
 11/19/2002 PCF832 06/30/2014
FIDELITY AND GUARANTY INSURANCE UNDERWRITERS INC.
 11/19/2002 PCF441 06/30/2014
FIREMANS FUND INSURANCE COMPANY
 04/04/2011 PCF443
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 09/29/2005 PCF35141
FIRST COLONY LIFE INSURANCE COMPANY
 02/24/2000 LHF175 01/01/2007
FIRST LIBERTY INSURANCE CORPORATION
 01/06/2011 PCF31779
FIRST NATIONAL INSURANCE COMPANY OF AMERICA
 08/09/2011 PCF71263 09/03/2021
FIRST PENN-PACIFIC LIFE INSURANCE COMPANY
 01/21/2000 LHF47438 07/08/2005
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 06/12/2003 PCF445 06/17/2013
FRANKENMUTH INSURANCE COMPANY
 12/16/2008 PCF83684
GENERAL AMERICAN LIFE INSURANCE COMPANY
 06/14/2001 LHF650 07/29/2005
GENERAL INSURANCE COMPANY OF AMERICA
 08/09/2011 PCF447 12/09/2022
GENWORTH LIFE & ANNUITY INSURANCE COMPANY
 01/01/2007 LHF966 02/11/2008
GENWORTH LIFE INS CO
 11/02/2000 LHF46264 02/11/2008
GLATFELTER INSURANCE COMPANY
 06/20/2003 PCF752 12/05/2007
GREAT NORTHERN INSURANCE COMPANY
 05/28/2003 PCF455 06/17/2003
GREAT WEST CASUALTY COMPANY
 08/11/2006 PCF456 05/21/2009
GREEN MOUNTAIN INSURANCE COMPANY INC
 10/24/2023 PCF73
GUIDEONE INSURANCE COMPANY
 09/30/2008 PCF885
GUIDEONE SPECIALTY INSURANCE COMPANY
 09/30/2008 PCF511
THE HANOVER INSURANCE COMPANY
 01/03/2003 PCF712
HARLEYSVILLE INSURANCE COMPANY
 08/27/2008 PCF129870 01/27/2020
HARLEYSVILLE MUTUAL INSURANCE COMPANY
 08/27/2008 PCF74622 05/01/2012
HARLEYSVILLE PREFERRED INSURANCE COMPANY
 08/27/2008 PCF128998 01/27/2020
HARLEYSVILLE WORCESTER INSURANCE COMPANY
 05/23/2003 PCF908 01/27/2020
HARTFORD ACCIDENT & INDEMNITY COMPANY
 01/21/2003 PCF462 01/24/2006
HARTFORD ACCIDENT & INDEMNITY COMPANY
 01/31/2006 PCF462 06/25/2007
HARTFORD CASUALTY INSURANCE COMPANY
 01/21/2003 PCF967 01/24/2006
HARTFORD CASUALTY INSURANCE COMPANY
 01/31/2006 PCF967 07/07/2008
HARTFORD FIRE INSURANCE COMPANY
 01/21/2003 PCF464 01/24/2006
HARTFORD FIRE INSURANCE COMPANY
 01/31/2006 PCF464 07/07/2008
HARTFORD INSURANCE COMPANY OF THE MIDWEST
 01/21/2003 PCF1021 01/24/2006
HARTFORD INSURANCE COMPANY OF THE MIDWEST
 01/31/2006 PCF1021 07/07/2008
HARTFORD UNDERWRITERS INSURANCE COMPANY
 01/21/2003 PCF992 01/24/2006
HARTFORD UNDERWRITERS INSURANCE COMPANY
 01/31/2006 PCF992 07/07/2008
HOMESITE INSURANCE COMPANY OF THE MIDWEST
 09/22/2008 PCF116371 03/12/2010
INTEGON NATIONAL INSURANCE COMPANY
 08/18/2015 PCF310
JACKSON NATIONAL LIFE INSURANCE COMPANY
 09/12/2000 LHF45199 12/19/2003
KEYPORT LIFE INSURANCE COMPANY
 06/11/2001 LHF201 11/13/2003
LIBERTY INSURANCE CORPORATION
 01/06/2011 PCF999
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 01/06/2011 PCF330
LIBERTY MUTUAL INSURANCE COMPANY
 01/06/2011 PCF331
LINCOLN BENEFIT LIFE COMPANY
 04/14/2000 LHF973 08/20/2007
LM INSURANCE CORPORATION
 01/06/2011 PCF31778
MAIN STREET AMERICA ASSURANCE COMPANY
 01/10/2003 PCF997 12/19/2019
MAIN STREET AMERICA PROTECTION INSURANCE COMPANY
 04/21/2016 PCF235440 12/19/2019
MAINE BONDING AND CASUALTY COMPANY
 06/20/2003 PCD499 09/09/2008
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 05/14/2003 PCD35999
MARYLAND CASUALTY COMPANY
 06/20/2003 PCF500 07/27/2012
MASSACHUSETTS BAY INSURANCE COMPANY
 01/03/2003 PCF505
MEDICAL MUTUAL INSURANCE COMPANY OF MAINE
 02/07/2003 PCD802 08/25/2005
MERCHANTS BONDING COMPANY (MUTUAL)
 04/05/2005 PCF108067
MERCHANTS NATIONAL BONDING INC
 07/26/2012 PCF205259 02/04/2019
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 03/23/2021 PCF79
METROPOLITAN LIFE INSURANCE COMPANY
 02/28/2000 LHF380 07/29/2005
MIDDLESEX MUTUAL ASSURANCE COMPANY
 11/13/2002 PCF844 12/31/2016
MMG INSURANCE COMPANY
 12/03/2002 PCD5
MOUNTAIN VALLEY INDEMNITY COMPANY
 08/07/2003 PCF48487 02/11/2009
NASSAU LIFE INSURANCE COMPANY
 04/17/2001 LHF248 02/07/2006
NATIONAL FIRE INSURANCE COMPANY OF HARTFORD
 03/03/2009 PCF523
NATIONAL SURETY CORPORATION
 04/04/2011 PCF689
NATIONWIDE ASSURANCE COMPANY
 12/30/2019 PCF38952 01/27/2020
NATIONWIDE GENERAL INSURANCE COMPANY
 12/08/2018 PCF30 01/27/2020
NATIONWIDE INSURANCE COMPANY OF AMERICA
 12/30/2019 PCF422 01/27/2020
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
 12/08/2018 PCF31 01/27/2020
NATIONWIDE MUTUAL INSURANCE COMPANY
 04/25/2012 PCF32 01/27/2020
NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY
 12/30/2019 PCF151089 01/27/2020
NETHERLANDS INSURANCE COMPANY
 09/30/2002 PCF827 04/26/2024
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
 06/22/2004 PCF87 08/10/2015
NEW ENGLAND LIFE INSURANCE COMPANY
 01/03/2000 LHF940 07/29/2005
NGM INSURANCE COMPANY
 01/10/2003 PCF86 12/19/2019
NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY
 06/01/2006 PCF535 08/27/2013
NORGUARD INSURANCE COMPANY
 10/15/2003 PCF51459
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
 01/28/2000 LHF231 12/20/2006
NORTH EAST INSURANCE COMPANY
 11/11/2002 PCF536 02/11/2009
NORTHERN INSURANCE COMPANY OF NEW YORK
 06/20/2003 PCF501 07/27/2012
NORTHERN SECURITY INSURANCE COMPANY INC
 04/14/2003 PCF36 04/16/2021
OHIO CASUALTY INSURANCE COMPANY
 03/12/2004 PCF73059 12/09/2022
OHIO CASUALTY INSURANCE COMPANY
 01/13/2023 PCF73059
OHIO SECURITY INSURANCE COMPANY
 09/05/2014 PCF200581 12/23/2021
OHIO SECURITY INSURANCE COMPANY
 01/14/2022 PCF200581
OLD LINE LIFE INSURANCE COMPANY OF AMERICA
 09/26/2000 LHF24 03/31/2003
PACIFIC INDEMNITY COMPANY
 05/28/2003 PCF547 06/17/2003
PATRIOT INSURANCE COMPANY
 05/14/2003 PCD208274
PATRONS OXFORD INSURANCE COMPANY
 03/10/2014 PCD7
PEERLESS INDEMNITY INSURANCE COMPANY
 08/09/2011 PCF97399 12/23/2021
PEERLESS INSURANCE COMPANY
 09/30/2002 PCF548
PHILADELPHIA INDEMNITY INSURANCE COMPANY
 10/05/2012 PCF46041
THE PHOENIX INSURANCE COMPANY
 04/23/2003 PCF557
THE PIE INSURANCE COMPANY
 04/04/2011 PCF368 09/02/2022
PINNACLE NATIONAL INSURANCE COMPANY
 11/03/2015 PCF428 01/10/2020
PROGRESSIVE NORTHERN INSURANCE COMPANY
 01/09/2003 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 01/09/2003 PCF27738
PROTECTIVE LIFE INSURANCE COMPANY
 10/16/1999 LHF888 03/31/2004
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 07/01/2009 PCF562 01/23/2018
PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY
 02/10/2000 LHF250 03/29/2007
REASSURE AMERICA LIFE INSURANCE COMPANY
 04/22/2000 LHF292 04/30/2004
RELIASTAR LIFE INSURANCE COMPANY
 08/31/2003 LHF22 08/17/2005
RIVERPORT INSURANCE COMPANY
 12/11/2013 PCF129149 08/05/2019
SAFECO NATIONAL INSURANCE COMPANY
 02/27/2017 PCF248658
SAGAMORE INSURANCE COMPANY
 02/07/2003 PCF85162 05/06/2016
SECURITY CONNECTICUT LIFE INSURANCE COMPANY
 01/10/2000 LHF876 10/01/2003
SENTINEL INSURANCE COMPANY LTD
 01/31/2006 PCF84269 07/07/2008
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
 11/19/2002 PCF575 07/07/2016
ST. PAUL GUARDIAN INSURANCE COMPANY
 11/19/2002 PCF701 06/30/2014
ST. PAUL GUARDIAN INSURANCE COMPANY
 09/16/2014 PCF701 07/07/2016
ST. PAUL MERCURY INSURANCE COMPANY
 11/19/2002 PCF576 06/30/2014
ST. PAUL MERCURY INSURANCE COMPANY
 09/16/2014 PCF576 07/07/2016
THE STANDARD FIRE INSURANCE COMPANY
 10/22/1988 PCF584
STARNET INSURANCE COMPANY
 02/23/2016 PCF103936
STATE MUTUAL INSURANCE COMPANY
 10/24/2023 PCD102
SUN LIFE AND HEALTH INSURANCE COMPANY (US)
 04/23/2001 LHF857 08/17/2009
SUN LIFE ASSURANCE COMPANY OF CANADA - US BRANCH
 01/19/2006 LHF271 08/22/2008
TRANSPORTATION INSURANCE COMPANY
 03/03/2009 PCF601
TRAVELERS CASUALTY AND SURETY COMPANY
 10/22/1988 PCF348
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 01/01/1991 PCF974
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 04/12/2006 PCF935
TRAVELERS COMMERCIAL INSURANCE COMPANY
 11/16/2006 PCF31811
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 11/10/2006 PCF56556
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 03/03/2004 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 04/23/2003 PCF435
THE TRAVELERS INDEMNITY COMPANY
 02/13/2004 PCF602
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 04/23/2003 PCF711
TRI STATE INSURANCE COMPANY OF MINNESOTA
 03/26/2014 PCF146321
TWIN CITY FIRE INSURANCE COMPANY
 01/21/2003 PCF963 01/24/2006
TWIN CITY FIRE INSURANCE COMPANY
 01/31/2006 PCF963 07/07/2008
UNION INSURANCE COMPANY
 06/15/2010 PCF141739
UNION MUTUAL FIRE INSURANCE COMPANY
 06/22/2004 PCF95 08/10/2015
UNITED FINANCIAL CASUALTY COMPANY
 08/11/2006 PCF61704 03/31/2012
UNITED OF OMAHA LIFE INSURANCE COMPANY
 09/29/2000 LHF28 08/15/2005
UNITED OHIO INSURANCE COMPANY
 01/01/2013 PCF192494 01/21/2025
UNITED STATES FIDELITY AND GUARANTY COMPANY
 11/19/2002 PCF608 06/30/2014
UNITED STATES FIRE INSURANCE COMPANY
 02/24/2021 PCF101256
UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NY
 03/17/2000 LHF654 03/16/2006
UNITED STATES SURETY COMPANY
 06/11/2007 PCF115462
UNUM LIFE INSURANCE COMPANY OF AMERICA
 02/10/2000 LHD145 03/29/2007
US SPECIALTY INSURANCE COMPANY
 08/24/2010 PCF31516
USG ANNUITY AND LIFE COMPANY
 09/29/2000 LHF12 12/09/2003
VALLEY FORGE INSURANCE COMPANY
 03/03/2009 PCF612
VANLINER INSURANCE COMPANY
 06/13/2007 PCF34744 04/21/2014
VERMONT ACCIDENT INSURANCE COMPANY INC
 10/24/2023 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 04/14/2003 PCF37 04/16/2021
VIGILANT INSURANCE COMPANY
 05/28/2003 PCF613 06/17/2003
WAUSAU BUSINESS INSURANCE COMPANY
 01/06/2011 PCF47449 03/31/2015
WAUSAU UNDERWRITERS INSURANCE COMPANY
 01/06/2011 PCF833 08/31/2015
WCF SELECT INSURANCE COMPANY
 04/04/2011 PCF386 03/22/2022
WEST AMERICAN INSURANCE COMPANY
 12/16/2015 PCF200576 12/23/2021
WEST AMERICAN INSURANCE COMPANY
 02/15/2022 PCF200576
WEST COAST LIFE INSURANCE COMPANY
 12/27/1999 LHF47439 10/14/2005
WESTERN NATIONAL LIFE INSURANCE COMPANY
 09/21/2000 LHF50722 11/28/2007
WESTERN SURETY COMPANY
 12/04/2002 PCF96
YORK INSURANCE COMPANY OF MAINE
 01/01/2003 PCF498 07/21/2016
ZURICH AMERICAN INSURANCE COMPANY
 06/20/2003 PCF61397
ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS
 05/07/2009 PCF165251

Authority
Description Issue Date Termination Date Status Additional Information
CASUALTY 10/22/1988 Active
HEALTH 07/31/1998 Active
LIFE 07/31/1998 Active
PROPERTY 10/22/1988 Active
SURPLUS LINES 09/19/2006 Active
LIMITED TO HOME STATE 10/22/1988 07/19/1995 Terminated
Designated State
INDEPENDENT PRODUCER 01/05/2000 09/28/2011 Terminated
VARIABLE CONTRACTS 03/14/2000 04/20/2018 Terminated

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
2972780

Other Addresses
Address Type
CROSS INSURANCE
2331 CONGRESS ST
PORTLAND, ME 04102-1907
 Office

CE Courses
Date Description Course Number Content Areas
04/24/2025 BI... THE MYSTERY CONTINUES (CLASSROOM) 27022
4
credits in General Education
Total:
4
04/24/2025 COMMERCIAL INS. ISSUES THAT CAUSE HEARTBURN (CLASSROOM_ 28954
4
credits in General Education
Total:
4
04/23/2025 ABC'S OF D&O: EXPOSURES & COVERAGES (CLASSROOM) 27386
4
credits in General Education
Total:
4
04/23/2025 CONSTRUCTION RISK - WHAT'S NOT IN THE CGL (CLASSROOM) 29277
4
credits in General Education
Total:
4

An active license/permit may still be subject to limitations and restrictions as a result of disciplinary action imposed. Please contact the specific licensing board about specific disciplinary actions.

Date: 05/14/2025 06:42:04 PM