Today ManhattanLife is a group of four operating life and health insurance companies:

Formerly named Central United Life, ManhattanLife Assurance provides life insurance, group and individual health and accident benefits, and cancer insurance for today's policyholder.

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The Manhattan Life Insurance Company offers Medicare supplement insurance, life & supplemental health insurance, and fixed rate annuities in the United States and Puerto Rico.

Manhattan Life Group, Inc. BBB Business Review


Western United Life has been marketing and distributing a competitive line of short to mid term fixed rate and immediate annuity products as well as Medicare supplement insurance.

Western United Life Assurance Company BBB Business Review


Family Life Insurance Company is specialized in mortgage protection life insurance policies that fit the needs of today's families. They also provide of Medicare supplement insurance.

Family Life Insurance Company BBB Business Review


Combined, these four companies are licensed in all 50 states and Puerto Rico offering a wide range of life and health insurance products and fixed annuities through multiple distribution systems. Additionally, all four operating companies offer a range of reinsurance facilities. Since 1982, the companies have completed over 60 such reinsurance transactions. The companies maintain an A.M. Best rating of B+ (Secure). 


Our Mission

The ManhattanLife companies are committed to providing reliable, innovative and cost effective reinsurance facilities to the life and health insurance industry as well as a wide range of life and health products to the general public through a multi-distribution system.

We are focused on steady continual growth by providing a quality portfolio of products, personal customer service and financial soundness. With roots firmly grounded in a commitment forged more than 150 years ago, we hold fast to high ethical standards of quality service to our agents, our customers and our employees. Stability, innovation, growth, and responsive service are the characteristics that define the core of our business.

We recognize not only the diverse needs of our policyholders and agents, but also the wide range of options available to deliver our products in order to serve the marketplace more efficiently. Thus we put technology at the forefront and utilize it to further improve our sales, underwriting, billing and customer service processes.


Since 1850

Our legacy began on May 29, 1850 with the formation of The Manhattan Life Insurance Company, one of the early pioneers in the life insurance industry. Manhattan Life was the first company to introduce incontestable clauses in life insurance contracts. It also issued the first group life contract as well as one of the first life policies to a woman. After the Civil War, Manhattan Life became known as "Old Reliable" largely because it continued to pay death benefits to the widows of Southern soldiers. In 1894, the original Manhattan Life office building in New York City was the tallest building in the world but was sold by the company in 1926.






Learn about the insurance products and benefits we offer and how they can help protect you and/or improve your business.

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Voluntary Benefits

Offer voluntary benefits, also known as employee-paid group benefits, to your employees at no direct cost to you!

Online Enrollment

Industry leading enrollment applications via secure online forms and web API. Ask an agent about it.


ManhattanLife is committed to offering exemplary products via a multi-distribution system for both Worksite and individual sales. Become an Agent today.

Join Our Team

Our corporate culture respects and rewards individual contributions and teamwork. We value diversity, unique abilities, and experience. Learn more.

Fast Processing

Most health claims are paid in about four days.

Real Estate Lending

ManhattanLife is also originating first lien commercial and residential loans with quick loan decisions made by senior management.