Manhattan Life: Built for Agents Who Want More Than Just a Commission
High-earning opportunities, flexible product options, and the support you need to win every sale.
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Why Agents Love Selling It
High First-Year Earnings – Many products pay 20%+ in the first year with strong renewal percentages, so you build residual income fast.
Easy Cross-Selling – Multiple product lines make it simple to increase revenue per client without multiple contracting headaches.
Fast Underwriting – Most supplemental health products issue quickly, helping you close deals without long delays.
Broad Market Appeal – Products fit individuals, families, seniors, and niche needs like critical illness or short-term care.
Long-Term Client Retention – Renewal commissions reward you for keeping clients satisfied year after year.
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What Makes Manhattan Life Unique
Diverse Product Portfolio – Offer your clients a wide range of products including Accident, Critical Illness, Dental/Vision/Hearing, Cancer, Heart Attack & Stroke, Home Health Care, Short Term Care, and Hospital Indemnity — all under one brand.
Nationwide Availability – Products approved in multiple states with competitive variations for different regions.
Multiple Carriers, One Family – Sell products from Manhattan Life Assurance, The Manhattan Life Insurance Company, Manhattan Life of America, and Standard Life and Casualty — all supported under one streamlined system.
Trusted History – Over 170 years in business, with a proven track record in supplemental health and life products.
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Commissions That Reward Your Effort
First-Year Commissions – Earn top-tier percentages on high-demand products like Home Health Care and Short Term Care.
Renewals That Pay for Years – Many products offer 3–8% renewals, with some paying into the 10th year and beyond.
Product-Specific Rates – Accident, Cancer, Critical Illness, Hospital Indemnity, and more have strong commission structures tailored to market demand.
No Commission Gaps – Get paid on every premium received and accepted, with clear payout schedules and predictable income flow.
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Agent FAQ: What You Need to Know to Sell This Confidently
Do I need separate contracts for each product?
No. Once contracted with ManhattanLife, you can sell across their entire eligible product portfolio.
How quickly are commissions paid?
First-year commissions are paid monthly based on premiums received. Renewal commissions begin after the first policy anniversary.
Are there territory restrictions?
Availability varies by product and state. Manhattan Life provides updated state availability lists so you know exactly where you can sell each product.
Can I cross-sell to my existing book?
Yes! Many agents start by offering a supplemental product and then expand into other lines to deepen client relationships.
What kind of support will I receive?
Manhattan Life provides product training, marketing materials, and a responsive agent services team to help you close more sales.
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Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!