Business Details
Your Trusted Partner for Insurance Solutions
ManhattanLife has been a trusted provider of life and health insurance solutions since 1850. Our commitment to policyholders is rooted in a legacy of financial strength, independence, and a mission to support health, wealth, and security across all stages of life. As a privately held organization, we prioritize policyholder needs over investor interests, offering a comprehensive range of products including annuities, Medicare supplements, and voluntary benefits. Our history of innovation and ethical decision-making, from commissioning Americas first skyscraper to introducing industry-first policies, underscores our dedication to reliability. With nearly 175 years of experience, we continue to deliver personalized service and competitive products while maintaining a focus on long-term stability.Our team of experts works tirelessly to ensure claims are honored promptly and benefits are paid with professionalism. Through wars, economic downturns, and societal changes, we have consistently upheld our core values of fairness, transparency, and compassion. Today, nearly 1 million policyholders rely on our expertise to navigate life's uncertainties. Our independence allows us to remain agile, creative, and fully committed to the communities we serve. From individual coverage to employer-sponsored programs, ManhattanLife stands by its promise to provide innovative solutions tailored to evolving needs.
Services
Annuities
Medicare Supplement
Voluntary Benefits
Employer Stop-Loss
Individual Life & Health
Highlights and features
- We offer 175 years of experience in life and health insurance solutions.
- Our independence ensures focus on policyholder needs, not investor interests.
- We provide a wide range of products tailored to every life stage.
- Our financial strength is rated A (Exceptional) by A.M. Best.
- We honor claims with professionalism and care, as demonstrated for decades.
Associations and certifications
- A.M. Best
Services
Annuities
Our annuities provide tax-deferred investment options with guaranteed income for life. Clients benefit from penalty-free partial surrenders up to 15% annually, competitive returns, and flexible terms including multi-year guarantees and fixed-index options. Designed to complement IRAs and 401(k)s, these products ensure financial stability during retirement while adapting to evolving needs.
Medicare Supplement
Medicare Supplement plans cover deductibles, co-payments, and out-of-pocket costs not included in Original Medicare. Policies allow access to any Medicare-contracted provider, with premium discounts available for households. This service ensures comprehensive healthcare affordability for seniors while maintaining flexibility in medical provider choices.
Voluntary Benefits
Employer-sponsored voluntary benefits offer financial protection through accident, critical illness, and disability coverage. Premiums are payroll-deducted with no employer cost, and administration is streamlined. These programs enhance benefits packages, improve employee retention, and provide customizable options for diverse workforce needs.
Employer Stop-Loss
Stop-loss coverage protects self-insured employers from catastrophic medical claims. Our solutions include risk assessment tools, pharmacy benefit management, and customized underwriting. This service mitigates financial exposure while ensuring employers can maintain affordable health plans for employees without compromising coverage quality.
Individual Life & Health
Supplemental life and health policies address gaps in major medical coverage, including high deductibles and out-of-pocket expenses. Benefits are paid directly to policyholders for flexible use, covering non-medical costs like lost wages or mortgage payments. These plans provide financial security for families during unexpected health events.
Questions
What insurance products does ManhattanLife offer?
We provide annuities, Medicare supplements, voluntary benefits, employer stop-loss coverage, and individual life and health insurance tailored to diverse needs.
How long has ManhattanLife been in business?
Since 1850, making us one of the oldest and most reliable insurance providers in the United States.
Are ManhattanLife policies available nationwide?
Yes, though specific products may vary by state availability and regulatory requirements.
How does ManhattanLife handle claims?
We prioritize prompt, professional claims processing with a commitment to fairness and transparency, as demonstrated throughout our 175-year history.
What makes ManhattanLife different from other insurers?
As an independent, privately held company, we focus solely on policyholder needs without conflicts of interest from public shareholders.
Can employers customize benefits packages with ManhattanLife?
Yes, our voluntary benefits and stop-loss solutions offer flexible, scalable options to meet unique workforce requirements.
