Whole Life

Lifelong coverage for the things that matter most.


Coverage that can also build cash value for your employees.

While a basic Term Life plan during an employee’s working years may be adequate, it may not be enough to provide the level of coverage their family needs in the later years. Whole Life from ManhattanLife can help. It provides coverage through retirement with premiums and benefits that don’t change with age. Whole Life can also build cash value that employees can access to help cover key life events such as mortgage costs, a child’s education expenses, retirement income and more.




From December 1986 to September 2017, funeral expenses rose 227.1 percent, while prices for all items rose 123.4 percent.1


The national median cost of a funeral with viewing and burial in 2016 was $7,360.1


In 2016, nearly 3 out of 4 consumers, 73%, died with significant outstanding debt. The average total balance of their debt was $61,554, including mortgage debt. Without home loans, the average balance was $12,875.2

ManhattanLife Whole Life Provides Basic Benefits.

Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or a transfer to new company. It’s an excellent complement to a term life plan or as an additional long-term investment. There is also optional family coverage as a rider or separate policies for each family member. Coverage employees can count on for life.



Accelerated benefit for terminal illness - if the insured is diagnosed with a terminal illness, he or she can receive a lump sum benefit of 50% of the death benefit (up to $100,000).

Facility care accelerated care benefit helps pay for nursing home, assisted living, and adult day care expenses while living.



Automatic benefit increase
Accidental death and dismemberment
Loss of work
Level term to age 65
Waiver of premium
Family term


Sources for statistics: 1U.S. Bureau of Labor Statistics; 2December 2016 data provided to Credit.com by credit bureau Experian