Listening intently. To brokers, policyholders, and each other.
Listening always makes good business sense. It lets us know what the market needs, where challenges lie and where opportunities can be realized. It informs product development and guides marketing efforts. It ensures a seamless enrollment experience. It enables success.

But in a more profound sense, listening speaks volumes about mutual respect between us, our partners, and our policyholders. Beyond the sale, we’re really in the business of relationships, keeping those bonds strong and lines of communication open through the examples we set every day.

Response times should be measured in hours. Not days.
As an independent, privately-held company, ManhattanLife can do things other companies simply can’t. We’re not held captive to red tape or quarterly returns. That means calls and emails are answered and any customer issues are addressed promptly, by our knowledge and responsive personnel.

This approach allows us to move faster, unencumbered by bureaucracy. In this age of ever-larger carriers, having a proactive and agile service model allows us to stand out. Which we’re more than happy to do. For example, we can go directly to policyholders or producers to precisely determine market needs, then quickly develop new products or enhance existing products to meet them.

Above and beyond — it’s part of our territory.
Faster to market often means first to market, which in turn feeds our passion for innovation. And because we have a direct line to our agents and customers, we can just as quickly evolve and enhance our offering.

For years, ManhattanLife has been building a reputation for surpassing the expectations traditionally associated with insurance companies. Our top priority has always been to provide for the health, wealth and security of our policyholders. Standing by them has allowed us to stand apart. Something we’re proud to do.

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.