ManhattanLife Insurance Review [2021]

Read through our ManhattanLife life insurance review to get a full understanding of its term and whole life options. ManhattanLife has been in the life insurance business for over 150 years, and it has a strong customer service reputation. Read more to find out everything you need to know about ManhattanLife insurance products and compare quotes below.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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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: Feb 12, 2021

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Quick Facts

  • Formerly known as The Manhattan Life Insurance Company, the company has rebranded in recent times to ManhattanLife.
  • ManhattanLife was first incorporated back in 1850.
  • Recently, in June 2020, ManhattanLife moved to expand its insurance offerings in the United States by acquiring Standard Life and Casualty Insurance Company.

Our ManhattanLife life insurance review will help you learn about this company, its product offerings, and what consumers think about its products and service.

If you need life insurance or wonder how much life insurance do you need, this review will not only help you understand what life insurance products this company offers but also how they work in real-world settings.

ManhattanLife has been in the life insurance business for about 170 years. During this time ManhattanLife has set the industry standard for a lot of life insurance products, and it has built a large and loyal base of customers by striving to provide high-quality customer service.

Let’s take a closer look at the life insurance products sold by ManhattanLife and how they work, how happy consumers are with its products and service, and how strong the company’s finances are.

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What life insurance products does ManhattanLife offer?

ManhattanLife offers a variety of term life insurance and whole life insurance policies.

What makes ManhattanLife different from a lot of other insurance companies is that most of its life insurance policies are simplified.

What does that mean?

This means that the majority of ManhattanLife insurance policies require no medical exam. A lot of consumers like this aspect of ManhattanLife life insurance.

What term life insurance products does ManhattanLife offer?

ManhattanLife has a host of term life insurance products. Most of these policies require no medical exam to purchase, and they have coverages up to $250,000. These are the most popular term life policies offered by ManhattanLife:

  • Viva Life Professional – 15- to 20-year term
  • Viva Life Family – 15- to 20-year term + allows benefits for spouse and children
  • Viva Living Benefit – 15- to 20-year term + allows critical illness rider
  • Family Protecting EZ – 15- to 30-year terms
  • Mortgage Protection Insurance – 15- to 30-year term to match mortgage length

ManhattanLife does offer term life insurance policies in a more traditional sense too. These policies include a medical exam, but their coverage can go higher than 250,000 and the terms can be purchased for up to 30 years.

What whole life insurance products does ManhattanLife offer?

They really only sell two different whole life insurance policies. One is its no exam Viva LifeTime product. This policy pays out at age 65 and can include up to $100,000 benefit for adults.

If you’re interested in a more comprehensive whole life insurance policy, ManhattanLife also has a Family Protection Premier policy that requires a medical exam and full underwriting process, but this coverage can be purchased with up to $3 million in life insurance coverage.

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How much does ManhattanLife life insurance cost?

One of the main concerns most consumers have is how much life insurance will cost. This depends on your age, gender, health, and much more. ManhattanLife’s Viva brand of simplified life insurance products are cheaper than traditional term and whole life insurance policies.

Below is the average cost of term and whole life insurance based on age and gender and a super preferred health rating by an insurance underwriter.

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As you can see life, insurance gets more expensive as you age, even if you maintain good health.

Plus, whole life insurance is significantly more expensive annually than term life insurance. This is because whole life insurance policies don’t end at a set time, and they maintain and grow a cash value over time that can be borrowed against.

What is the financial strength of ManhattanLife?

ManhattanLife was only given a B+ rating by A.M. Best. This is not a super strong financial rating, especially when compared with their peers in the life insurance marketplace.

Financial strength is important to consumers because it can give you an idea about the company’s ability to pay out its claims.

Despite this rating, ManhattanLife has a very solid reputation for being a trustworthy company that pays life insurance claims in a timely manner. It is even reported that they paid out all of the claims for women who were widowed after the civil war, even to the wives of Confederate troops.

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What do consumers think of ManhattanLife?

Customers enjoy the reliability and strong commitment to customer service put forth by ManhattanLife. Unlike a lot of other life insurance providers, ManhattanLife puts customer service first.

It is easy to get a customer service representative on the phone, and you can even get support via email if you prefer that method.

In the life insurance industry, two of the most important aspects of the business are paying out claims in a timely fashion and being available for customer concerns and questions. In both cases, ManhattanLife excels.

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ManhattanLife Life Insurance Review: The Bottom Line

ManhattanLife has a solid lineup of life insurance products for consumers to choose from. Whether you want a no medical exam life insurance policy, or a heartier fully underwritten life insurance policy, you have options when you shop at ManhattanLife.

ManhattanLife insurance also has a strong reputation for paying out insurance claims. This company has garnered and maintained the nickname of “Ol’ Reliable” for more than 100 years. That says a lot about what you can expect out of a ManhattanLife insurance policy.

At the end of the day, the most important aspect of life insurance is making sure the people you care about are covered in the event of your death. ManhattanLife has a number of solid insurance policies that do just that.

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