Always: It’s a word we live by.
The financial disruption of the American Civil War left many insurance policyholders unable to pay their premiums. After the war, ManhattanLife took the rare and compassionate approach of paying these claims, minus unpaid premiums, even though it was under no legal obligation to do so. Doing so earned us the moniker of “The Old Reliable,” north and south of the Mason-Dixon.

Today, this level of trust continues to resonate. One might think setting standards so high, so long ago, might make them hard to maintain. But in truth, trust is our most valued asset. It’s why we do what we do, every day.

Never hesitate to innovate.
Part of having a trustworthy brand is having a track record of offering reliable insurance products. But that doesn’t mean we shy away from innovation when it comes to responding to market needs. On the contrary. We listen closely to our agents because they listen closely to their customers. Then we move, implementing decisions quickly.

Armed with ground-level insights and open lines of communication, we can develop and deploy great products in a matter of months, filling a real need with a speed our competitors can’t match, evolving as needed.

Think of us as a -year-old startup.
At ManhattanLife, our streak of independence goes back to our founding in 1850. As a privately held company, we are unencumbered by bureaucracy, which gives us and our brokers a distinct competitive advantage. We have the ability to put the best interests of our policyholders first, unencumbered by the typical requirements of a public company.

Standing by you is more than our promise. It’s our passion. From the top of our company down, we simply love what we do. And even after years of providing reliable products for health, wealth and security — it never gets old.

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.