Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Apr 13, 2021

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Company Details
Address: 10777 Northwest Freeway
City: Houston
State: TX
ZIP Code: 77092
Phone Number: (800) 669-9030
Year Founded: 1850
Company Rating 0 (0 reviews)

ManhattanLife is a long-standing company that focuses on selling health and life insurance along with annuities. They offer a wide range of term and whole life insurance products.

Our ManhattanLife life insurance review will discuss the company, their products, industry ratings, and more.

Before jumping into this ManhattanLife life insurance review, enter your ZIP code above to compare life insurance quotes from companies in your area for free.

Who is ManhattanLife?

ManhattanLife was founded in 1850 with the original intention to help widows and orphans after a cholera outbreak. It now focuses on offering health and life insurance as well as annuities to individuals looking for financial protection for their loved ones.

ManhattanLife was originally founded as The Manhattan Life Insurance Company but rebranded in 2019 to help them share their message of how many years they’ve been operating.

The company is made up of The Manhattan Life Insurance Company, Family Life Insurance Company, ManhattanLife Assurance Company of America, Western United Life Assurance Company, and Standard Life and Casualty Insurance Company.

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What life insurance products does ManhattanLife offer?

ManhattanLife offers multiple term and whole life insurance products.

Term Life Insurance

ManhattanLife offers the following term life insurance products:

  • Viva Life Professional — Offers a 20-year term for those age 18-55 and a 15-year term for those age 56-60 with accidental death protection
  • Viva Life Family — Offers a 20-year term for those age 18-55 and a 15-year term for those age 56-60 with accidental death protection and the option to add a spouse as an additional insured and/or children’s benefits
  • Viva Living Gold — Offers a 20-year term for those age 18-55 and a 15-year term for those age 56-60 with living benefits for individuals with critical illnesses
  • Mortgage Protection Insurance – MCI Gold — Offers terms ranging between 15 and 30 years with a variety of optional riders
  • Family Protection EZ — Offers terms ranging between 15 and 30 years with a variety of optional riders
  • Fully Underwritten Plans Family Protection Select — Offers terms ranging between 15 and 30 years for those in the standard and preferred underwriting classes with a variety of optional riders

Most of these plans do not require a medical exam and only ask four health-related questions. They offer up to $250,000 in coverage.

The exception to these rules are the Fully Underwritten Plans Family Protection Select, which can exceed that maximum but does require a medical exam.

Whole Life Insurance

ManhattanLife offers the following whole life insurance products:

  • Viva Lifetime — Offers LifeTime pay, 20 Pay, or paid up to age 65 with face amounts of $10,000 to $50,000 for children and $20,000 to $100,000 for adults
  • Fully Underwritten Plans Family Protection Premier — Offers LifeTime Pay; 3, 5, 10, or 20 Pay; or paid up to age 65 with face amounts of $10,000 to $150,000 for children and $25,000 to $3 million for adults with optional riders

A medical exam is not required for Viva Lifetime, and they only ask four health-related questions to qualify. Whole life insurance policies also accumulate cash value for you to borrow against like a loan when needed, but this may affect your death benefit.

How much is ManhattanLife life insurance?

ManhattanLife life insurance rates are difficult to find. To give you an idea of what you might pay for term life insurance, take a look at the chart below.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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Keep in mind that not every company will have the same rates and that premiums are based on your age, health, driving history, location, and more.

How is the company rated?

ManhattanLife has an A+ rating from the BBB.

The Insurance Information Institute has some insight into how you can assess the financial strength of an insurance company, and while the Manhattan Life Group as a whole does not have a financial rating from A.M. Best, the individual companies that do have a rating range between B and B+, indicating that they have good (but not excellent) chance of meeting financial obligations.

Again, the Manhattan Life Group as a whole does not have an NAIC number to check the complaint index. However, the ManhattanLife Assurance Company of America has a complaint index of 4.85 — almost five times the national median of 1.00. This means they get significantly more complaints than other companies of a similar size.

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How can I get a quote or file a claim?

ManhattanLife life insurance quotes are not available on their website. You will have to contact an insurance agent who sells ManhattanLife, visit their website to have an agent contact you, or call the ManhattanLife customer service phone number at (800) 669-9030.

To file a claim, visit the company’s website and click “File a Claim” to find the right form. You can either use your ManhattanLife life insurance login to submit the form and documents online or you can use the Easy Upload mobile app to scan your documents with your camera.

How can I contact ManhattanLife?

The ManhattanLife website is www.manhattanlife.com. The life insurance customer service phone number is (800) 669-9030. You can also email [email protected]

Their home office is located at 10777 Northwest Freeway, Houston, TX 77092.

Should I buy ManhattanLife life insurance?

ManhattanLife offers an excellent range of term life insurance and whole life insurance products that are customizable. However, they do not offer very high coverage limits, and rates may be higher than competitors.

There are also companies with higher financial ratings and better complaint index ratios. ManhattanLife’s extraordinarily high complaint index is concerning to say the least.

Now that you’ve finished this ManhattanLife life insurance review, find affordable life insurance by entering your ZIP code into our free quote comparison tool below.