Term Life

ManhattanLife offers a variety of term life insurance products that focus on the "family market." Whether your need is Family Protection or Mortgage Protection, Family Life can provide coverage on dad, mom and children in the same policy. 

ManhattanLife offers simplified issue level term life insurance for amounts up to and including $250,000 ... and for higher face amounts on a fully underwritten basis.  Our most popular plan is called "Viva Life" which is a 20 year simplified issue term life plan for ages 18-55 (15 years for ages 56-60) for amounts up to and including $250,000.  There are three product options, Viva Life Professional for young adult who needs basic life insurance coverage, Viva Life Family for middle income families who need life insurance coverage on dad, mom and children and Viva Living Benefits for the middle age client who needs life insurance coverage and is also concerned about a critical illness ( heart attack, stroke, etc.)  in the future.  The application is quick and easy to complete with only 4 health related questions ... no medical exam is required.  Family Life also accepts clients that do not have a Social Security Number, but they must have an ITIN ( Individual Taxpayer Identification Number).


ManhattanLife's term insurance products are available on a simplified issue basis for face amounts up to and including $250,000 and on a fully underwritten basis for higher amounts of coverage.  For fully underwritten plans, both standard and preferred rates are available.


Simplified Issue Plans
Viva Life - Professional
  •  20 year level term ages 18-55  
  •  15 year level term for issue ages 56-60
  •  Accidental Death Protection
     
Viva Life - Family
  •  20 year level term ages 18-55  
  •  15 year level term ages 56-60
  •  Spouse - Additional Insured / Children's Insurance Benefit
  •  Accidental Death Protection
Viva Living Benefit
  •  20 year level term ages 18-55
    (15 year level term ages 56-60)
  •  First Occurrence Critical Illness Benefit
      
Mortgage Protection Insurance
MCI Gold
  •  15-20-25-30 year level term 
  •  Variety of Riders Available
Family Protection EZ
  •  15-20-25-30 year level term
  •  Variety of Riders Available

      
Fully Underwritten Plans
Family Protection Select
  •  10-15-20-25-30 level term
  •  Standard and Preferred underwriting classes
  •  Variety of Riders Available

 

Whole Life

ManhattanLife offers simplified issue whole life for face amounts up to $100,000 ... and higher face amounts on a fully underwritten basis. Our simplified issue plan is called Viva LifeTime. This whole life product offers level premiums and guaranteed cash values, and provides permanent life insurance protection that will last a LifeTime. Viva LifeTime is available as a juvenile plan for issue ages 0-17 and for adults for issue ages 18-65. Viva LifeTime is available through our on-line enrollment system ... the application is quick and easy to complete with only 4 health related questions ... no medical exam is required. Premiums can be paid for your entire lifetime, for 20 years or until your age 65. If you select 20 Pay or Paid Up at Age 65, the policy will be paid up with no further premiums due at the end of 20 years or at age 65. Family Life accepts clients that do not have a Social Security Number, but do have an ITIN ( Individual Taxpayer Identification Number). Viva LifeTime is perfect for cash accumulation, wealth transfer or final expenses.


ManhattanLife also offers fully underwritten whole life for face amounts up to $3 million, This whole life product is called Family Protection Premier. This whole life product offers level premiums and guaranteed cash values, and provides permanent life insurance protection that will last for your entire lifetime. Family Protection Premier is available as a juvenile plan for issue ages 0-17 and for adults issue ages 18-75. For adults, the plan offers a 20 year term rider on the primary insured and spouse to provide additional insurance protection at a reasonable cost. This plan also offers a child rider. Preferred and standard rates are available. Premiums can be paid for your entire lifetime, for 20 years or until your age 65. If you select 20 Pay or Paid Up at Age 65, the policy will be paid up with no further premiums due at the end of the 20 years or at your age 65. Family Protection Premier is available for individual permanent coverage, as a family plan and as a juvenile plan It is perfect for cash accumulation, wealth transfer or final expenses.

Viva LifeTime (Simplified Issue)
  • Payment Options
    •  LifeTime Pay
    •  20 Pay
    •  Paid Up at Age 65
  • Face Amounts Available for Juveniles
    •  $10,000
    •  $20,000
    •  $25,000
    •  $30,000
    •  $40,000
    •  $50,000
  • Face Amounts Available for Adults
    •  $20,000
    •  $25,000
    •  $30,000
    •  $40,000
    •  $50,000
    •  $75,000
    •  $100,000
Family Protection Premier (Fully Underwritten)
  • Riders
    •  20yr Term Rider
    •  Child Rider
    •  Accidental Death
    •  Waiver of Premium
  • Variety of payment options
    •  LifeTime Pay
    •  3, 5, 10, or 20 pay
    •  Paid up to age 65
  • Face Amounts Available for Juveniles $10,000 - $150,000
  • Face Amounts Available for Adults $25,000 - $3,000,000

 

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Benefit exclusions and limitations may apply to the policy. For additional information about this or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.