A history of doing the right thing.
Founded in 1850, ManhattanLife hit the ground running. In our first decade, we persevered through a cholera pandemic and the Financial Panic of 1857. It didn’t take long to earn a reputation for innovation and standing by our customers. We were the first in the U.S. to issue a group policy. We wrote the first policy for a woman. And we were the first to include an incontestability clause protecting policyholders.

Then there was the Civil War, during and after which we paid claims for policies that were legally considered lapsed, earning us the nickname “The Old Reliable.” We built America’s first skyscraper in 1894, establishing a culture of high expectations that would extend through and beyond the next century.

The freedom to keep doing the right thing.
Through pandemics and wars, good times and bad, we’ve seen a lot. Sheer longevity has taught us that doing the right thing—not just saying it—is a sound business practice. Which is why we’ve structured our company to stay true to our principles.

In an industry comprised primarily of large publicly traded companies beholden to investors and analysts, we are fiercely independent and have been since the beginning. We have the freedom to listen to policyholders and agents. And the freedom to meet their needs in ways that others can’t or won’t.

The people who continue to make history.
We owe our many product innovations, and the speed at which we can get them to market, to our independence. For us as a company, it’s been a constant in a dramatically changing world, one we can respond to with a unique combination of financial stability and agility more typical of an entrepreneurial startup.

Which brings us to our people, our family. It’s natural that a company that’s been around so long attracts some of the insurance industry’s longest-tenured employees. Since it’s part of our DNA, we appreciate and encourage long-term commitment. It helps us build stronger relationships with agents and policyholders. It helps us serve. It helps us endure.

Annuities

Our annuities provide customers flexibility, liquidity and competitive returns. There are no set up fees or administrative expenses. Choose from a range of individual, deferred, single premium Multi-Year Guarantee Annuities, Fixed-Index Annuities and Single Premium Immediate Annuities.

Medicare Supplement

We offer Medicare Supplement insurance plans that helps pay for deductibles, co-payments, co-insurance, and other out-of-pocket costs not covered by Original Medicare. Premium discounts are available for household residents who are insured under the same carrier. Additionally, customers have the freedom of seeing any Medicare contracted physician at any Medicare contracted facility of their choice.

Voluntary Benefits

Designed for employer groups, our voluntary products provide financial security, preferred underwriting and pricing for employees, and competitive compensation for our distribution partners. We help employers by offering a customized program that integrates with any employee benefits package.

Individual (Worksite) Life & Health

While our supplemental policies provide additional insurance to help pay out-of-pocket expenses, they also help with nonmedical costs like lost wages or missed mortgage payments. They provide a safety net and the benefits are paid directly to the policyholder. Products can be sold via the workplace or individually. Note: Disability is sold only via workplace.

Employer Stop-Loss

Manhattan Life's MGU Program Manager WesternSkies offers individualized stop-loss coverage to self-insured employers looking for protection from catastrophic medical and pharmacy claims. In addition to underwriting coverage, we focus on employer-customized solutions utilizing advanced risk assessment, cost containment and pharmacy benefit management tools, and provide producers and employers with responsive, timely claims service.