Insurancy

Family Life Insurance Review - ManhattanLife Group Carrier

Family Life Insurance Company, founded in 1949 and today part of the ManhattanLife group of companies, is a niche carrier known for mortgage protection term and simplified-issue whole life sold through independent agents. Its products emphasize easy underwriting and agent service rather than rock-bottom pricing, making it one of several reasonable placements in the simplified-issue segment.

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Family Life Insurance Review - ManhattanLife Group Carrier
Lisa A Koosis

Written by Lisa A Koosis

Medical Claims Specialist

Last updated: July 2026 | 3 min read

Family Life Insurance Company at a glance

  • ✓Founded 1949; part of the ManhattanLife group of companies.
  • ✓Known for mortgage protection term and simplified-issue whole life.
  • ✓Sold through independent agents with health-question, no-exam underwriting.
  • ✓Emphasizes easy qualification and agent service over lowest per-dollar pricing.
  • ✓Best for: simplified-issue placements; healthy applicants should also price fully underwritten term.

Quick answer

Family Life Insurance Company, founded in 1949 and part of the ManhattanLife group, is a niche carrier specializing in mortgage protection term and simplified-issue whole life. Products are sold through independent agents with health-question, no-exam underwriting, emphasizing easy qualification and service rather than the market's lowest per-dollar pricing. It is one of several reasonable placements in the simplified-issue segment, best confirmed with a side-by-side quote.

Address:Family Life Insurance Company P.O. Box 925688 Houston, TX 77292-4408
Phone:800-877-7705
A.M. Best:B+ (Good)
About:Since it was founded in 1949, Family Life has specialized in providing mortgage protection life insurance to protect a family’s most valuable possession, their home. In 2011 Family Life was pleased to add new Family Protection life insurance products to our product portfolio.Family Life’s Family Protection plans can be custom made to fit your family’s needs for today and for the future. When a family is young with children at home, Family Life can provide the life insurance protection a family needs to be sure children are cared for and education is provided if something should happen to mom or dad. When a family is older, Family life can provide the life insurance protection a family needs for their entire life.Family Life has built an excellent reputation for providing quality products, professional service and financial stability when a family needs it the most. That is how we Insure Brighter Tomorrows for you and your family.Family Life Insurance Company is part of the Manhattan Insurance Group.
Brochure(s):Company brochure

Frequently asked questions

Is Family Life Insurance Company legitimate?+

Yes. It has operated since 1949 and belongs to the ManhattanLife group, whose flagship dates to 1850. Policies are state-regulated with guaranty association protection. Check current financial strength ratings at ambest.com as part of any purchase.

What is the relationship to ManhattanLife?+

Family Life is one of the carriers in the ManhattanLife group of companies, which also includes Manhattan Life Insurance Company. The group focuses on supplemental health, life, and worksite products distributed through independent agents.

What products does Family Life sell?+

Mortgage protection term designed around home loan balances, and simplified-issue whole life for permanent and final expense needs. Underwriting is health-question based with no exam, and distribution is exclusively through independent agents.

Is mortgage protection from Family Life a good buy?+

It solves a real need quickly, but healthy homeowners should always compare plain level term first: carriers like Banner Life and Transamerica typically deliver more coverage per dollar, payable to your family for any purpose. Simplified-issue mortgage products earn their premium when health or speed rules out full underwriting.

Does Family Life require a medical exam?+

No, its consumer products use simplified underwriting: health questions verified against prescription and database records, with decisions typically in days. Per-dollar pricing reflects that convenience.

How do you buy Family Life coverage?+

Through independent agents; there is no direct online purchase. Agents working the mortgage protection and final expense markets quote Family Life alongside competitors such as Americo and American Amicable.

How do claims and policy service work?+

Through the ManhattanLife group's service operations, using the contacts on your policy documents. Beneficiaries file a claim form with a certified death certificate; clean claims at licensed carriers typically pay within weeks.

What alternatives should shoppers compare?+

Americo and American Amicable in the same agent-sold simplified niche; Mutual of Omaha for final expense benchmarking; and fully underwritten term from Banner Life, Protective, or Transamerica for healthy applicants who want maximum coverage per dollar.

About the authors

Lisa A Koosis

Reviewed by

Lisa A KoosisMedical Claims Specialist

Lisa worked as a medical claims specialist for five years, adjudicating claims, developing appeals training programs and liaising with insurance auditors. As a full-time freelancer, she now completes work that includes writing and fact-checking life and health insurance content for a variety of online publications.

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