Manhattan Life
Manhattan Life Insurance Company offers insurance products for worksite, group, and individual policy needs. The company sells through independent agents and brokers, selling term, whole, and universal life insurance. Our review finds that Manhattan Life serves over 700,000 policyholders and issues more than 30,000 new policies each year. Learn more below.
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Written by
Jeffrey Johnson
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UPDATED: Feb 15, 2021
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As of 12/31/2013: Total Assets: $1.652 billion Total Liabilities: $1.436 billion Direct Premium: $392 million
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Company Overview:
Company History: Founded in 1850, The Manhattan Life Insurance Company offers insurance products for worksite, group and individual policy needs. It made a name for itself as the first insurer to both issue a group life contract and sell a life policy to a woman. The company serves over 700,000 policyholders and issues more than 30,000 new policies each year.
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Principle Sales Methods: Independent agents and brokers.
Life Annuity Business: Manhattan Life sells Term, Whole and Universal Life insurance.
Health Business: Manhattan Life sells Health, Cancer, Critical Illness, Dental, Vision and Hospital Indemnity policies, plus Group Disability plans.
I have the cancer insurance and so far they have paid all my cancer claims. They have been very good to me.
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Deceptive practices to sell me their policy. Not what I thought I was buying.
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I finally had to write the CEO of the company to get a proper response. I filed my claim over a month ago but so far not paid for my disability or inpatient hospital stay. Maybe I will get paid before I go back to work. The reps keep saying my claims are being processed but not paid yet.
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They are taking 2 premiums a month, beginning end of month
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I have submitted claims with all necessary documents long time ago. Each time I called them, they said I needed to submit documents from the hospital. Next time I called, it started over. Very bad…
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I have had a claim with this company since early 2016 and again late 2016, neither one has been payed. I have called several times and still get the same response, waiting on information for other doctors now im not the smartest bulb on the tree but I don’t understand what a GBYN has any thing to do with my accident policy. I an so frustrated by this. I talked to my doctor and they said they have had nothing but trouble getting this insurance to pay on any claim. I would not recommend this insurance company to anyone. I pay my premium every month on time, they should have the same dedication.
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I have a disability insurance. I’ve had surgery back in April of 2017. Here it is the middle of June 2017 and have not received a check. Bounce a couple of checks due to payroll deduction. I called customer service, which thank god I did, they told me I was missing a signature. I asked why didn’t I get a call or anything in the mail pertaining to this matter No answer They are the worst. Once I receive my checks and who knows when, I will search for other companies to replace this not so well run company. They’re horrible Total nightmare
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I’ve had mahattan life’s disability insurance for over 5 years. I have never put in a claim I recently put in a claim because I’m off work because of an injury. I filed a claim 2 months going on three. I have called almost every week since then. At first I was told my forms were incomplete, and when I had forms completed I still had to keep calling because not only did they not send me any information telling me my forms were incomplete I’ve been told for a month that they sent me a check. I went on the website and found the check was fire 375 dollars but they hadn’t sent it out. So I put in my bank information so that they could put it in my checking account. Needless to say that hasn’t happened. My car has been repossessed, my bills are behind,I’m running low on food and my rent is due. I’ve had to rely on my family to keep the lights on. I’m tired and will be contacting an attorney and the bbb on Monday.
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Filed a disability claim months ago All customer service does is give you the run around every document takes 10 to 15 business days Seriously how is this helpful when someone is already stressed about over due bills then has to deal with an bs company They can’t ever give you real answers I pay you more in a year than my claim is You take money right out of my check Why is it so hard to get you to pay your dues
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Great rates and customer service was good. I had to provide required docs and then they paid.
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No problems. Good supplemental product
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We have paid this company over 60,000 on a cancer policy and when I was diagnosed, they have put off paying on all claims. From surgeries, transportation and other benefits listed, they have paid out less than 5,000. The fine print is a must read before purchasing a policy with any company but one that was so deceptive on this policy was transportation payment. The policy states they will pay 50 cents per mile. Once we finally got a copy specimen of the policy, in fine print under exclusions, it states that if the round trip is less than 100 miles, they will not pay. Not counting all the miles we have driven to doctors, surgeries, appointments, etc.the radiation treatments alone will add another 1800 miles for gas and wear and tear on our vehicle. Had we known this before my diagnosis, we could have gotten a better policy for the same amount in premiums. Had they rather us go 28 extra miles currently 72 miles per trip in order to be paid transportation This was not part of the presentation when the policy was taken out. Read the fine print and ask a LOT of questions before opting in. I would not recommend this company for many reason, the main one being their deceptiiveness and too slow to pay any claims. I am very disappointed in this company.
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I was told that I would be taken care of once supplied documents were filled out and I submitted itemized bills and a list of physicians. After 2 months I asked what was going on and the reply was they were waiting on information from physicians and that I needed to go talk to the physicians to hurry them up. I was then told that it wouldnt matter because my surgery and hospital stay was not covered as it was more than 28 days from the accident. Any major surgery will take longer than 28 days.
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Premiums changed and they did not notify us and ate up all the life insurance policy. Every month I was sent a bill saying how much I owe and date due – I paid faithfully but they changed the rate and never told me – this wrong – they are wrong. Stay away from this company
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We have had the policy since 1997, paid every month, changed from term ins to universal life. My husband passed in February, and they still have not paid the claim. I have hospital bills, car payments, etc, and I have very little income. Only Social Security, and if they don’t pay the claim, I could lose my home. My only recourse is to contact the Insurance Commissioner if this is not resolved. We had to retain an attorney which is also expensive. This is not what we have been paying for all these years. I am not happy with this company at all.
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Please do not use this company They have so many billing issues and their customer service agents won’t respond to emails informing you that they have received your information. They just leave you in the dark as they work on your billing issues. I was supposed to receive a phone call informing me that they had resolved my billing issue. It has been five days so I called back and the customer service agent said well you just called Monday morning. Yes and today is Friday that is five days and no word on if you have managed to fix the issue. Their response, oh yeah it is. They said well I see they received the documents you emailed. I said well I asked them to respond letting me know if they had received them and they haven’t. They are not friendly I highly do not recommend and I am trying to move my policy because I do not want to deal with them.
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This company is not responsive to issues or concerns. They really don’t care about the people who do business with them. When speaking with them they are aloof have no concern, and it’s obvious they are only concerned about getting their paycheck, but not about the people who does business with them that allows them to have a paycheck.
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They did not tell or send us any info. telling us that we had their insurance, while they kept charging us monthly payments. They also did not tell us that we had to cancel our Health Net Insurance Co.to purchase Manhattan Life Medicare Ins. I am totally disappointed as they would not pay for any of our medical bills as they should.
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Since Humana turned over MY policy to Manhattan Life without my consent or beforehand knowledge, theyre NOT up to date on automatic payments from my bank account 5 months behind. Ive received letters stating my policy may be canceled, even though Ive re-submitted all relevant banking information. Something is NOT RIGHT I may have to contact legal assistance and start a class-action case. Four years with Humana and no problem. Now this. I want ALL MY MONEY BACK
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Added a Manhattan Dental policy as a Medicare supplemental policy. Each of the 3 dental claims I’ve submitted have been rejected. What a disappointment. I’ll avoid any future dealing with Manhattan Life.
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I believe after a number of claims they lapse your policy. I was notified by a doctor’s office that my policy was not active. I called Manhattan Life got a really rude person I’m trying to be objective here and stated that I was notified twice that there were not funds in my auto draft bank account. This may have been true because I am changing banksWells Fargo to Bank of America. Asked the wife if she recalls any notification she had none. Looking at some other reviews, similar situations have happen to other consumers. Now looking at Manhattan’s reviews, this may have been a blessing. Morale to the story do reviews research before obtain coverage. I went through a brokerage.
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I was on a short term disability. put in a claim. I sent all the paper work. I had to call them each time to find out if they received the forms. They said they didn’t need any more info from me but I had to call them to find out. I never heard anything for a month so I had to call them again to find out….oh sorry we denied your claim for pre existing condition. well that’s really funny because I have never had any thing even close to what I was on disability for. They claimed it was a pill I took for riding in an airplane, because I was scared. This is so stupid because I was off work because My brother died, my husband ended up in the hospital with emergency surgery my kids both were having upper and lower jaw surgery I was have trouble at my long time job that I never missed work with. I was about to have a nervous break down and my doctor took me off work for a short time to recover from all this. A pill I took to fly on an airplane is what they said was pre existing. WOW that’s the security I have been paying for. this is a fraud company don’t give them a dime they don’t have your back.
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My doctor summit documents thats asked for but it always seem like its not enough or they really are asking for the same documents that they already have.I have read some of your reviews about Manhattan with them emerging with Human service has been terrible and unfair to your customers that is already under pressure and stress. This is a short term disability claim
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I was advised by United Medicare Advisors to purchase a Medicare supplemental plan G from Manhattan Life. To quote other companies would raise the rates too often. From Jan 2017 to Oct 2020 my rates have increased each year between 10 to 15%, totaling a 60% increase. This is an issue-age policy, meaning it is based on my age at the time I first purchased the policy. shouldn’t change unless new table rates apply, whatever that means. Seems like there is an increase right after my birthday every year. I will be dropping them.
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waiting for them to send the vasoline
1 month into my part B supplement after retiring at age 73 and a standard office visit with my dermatologist because of skin issue, rejected, blood work because the meds i take for the skin condition causes liver issues also rejected, so my $180 month plan leaves with me with about a $200 outstanding balances, will look into to this further today, In the meantime will stay bent over
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