Standard Life and Casualty (ManhattanLife) Agent Contracting

Standard Life and Casualty is part of the ManhattanLife family of companies and offers Secure Advantage final expense. Independent agents can contract with Standard Life through Agent First.

Standard Life and Casualty, part of the ManhattanLife family of companies, is a valuable carrier for independent final expense agents who understand how to use pricing advantages and underwriting flexibility to win more business in the field. While underwriting can occasionally be more case-sensitive than some agents initially expect, experienced agents often learn exactly where Standard Life fits best and use it to place business that may otherwise be lost.

Agents contracting through Agent First Contracts receive a direct contract with Standard Life & Casualty / ManhattanLife. Agents are paid directly by the carrier and maintain direct access to their business.

Why Agents Keep Standard Life in Their Portfolio

Many final expense agents consider Standard Life a strong “price buster” carrier. In competitive situations, pricing can often help agents win business in homes where another product may not fit the client’s budget as well.

As agents gain experience with the underwriting style and product fit, Standard Life can become a powerful placement tool. This is the type of carrier that helps agents avoid walking away empty-handed from difficult or highly competitive appointments.

• Direct carrier contract
• Paid directly by the carrier
• Competitive commission opportunities
• Strong pricing in many situations
• Simplified issue final expense products
• Immediate death benefit whole life options
• No medical exam required on eligible products
• Useful placement carrier for difficult houses
• Valuable addition to a diversified FE portfolio

Secure Advantage Final Expense Product

The ManhattanLife Lighthouse Series Secure Advantage product is a simplified issue final expense whole life policy designed to help seniors protect their families from funeral expenses, outstanding debt, medical bills, and other end-of-life financial obligations.

The product offers permanent whole life protection with guaranteed rates and guaranteed cash values that never decrease regardless of changes in interest rates or market conditions.

Coverage amounts are available up to $50,000 depending on issue age and product eligibility. The product is designed specifically for the senior market and includes immediate death benefit options with no waiting period on eligible approvals.

Underwriting and Field Experience

One of the biggest advantages of Standard Life is that it can help agents stay competitive in homes where pricing matters heavily. While the underwriting can occasionally feel spotty until an agent gains experience with the carrier, many agents eventually learn where Standard Life performs best and begin using it strategically.

This is not necessarily the carrier every agent starts with first, but it is often the carrier that helps save a sale when other products are not fitting the client's health profile, pricing expectations, or budget.

Experienced agents often keep Standard Life available specifically because it can create placement opportunities in houses where they might otherwise leave without writing business.

Who Standard Life / ManhattanLife Is Best For

Standard Life can be a strong fit for agents who:

• Write final expense consistently
• Need additional underwriting options
• Want competitive pricing available
• Work highly competitive direct mail leads
• Need another placement carrier in the portfolio
• Understand how to match products strategically

Contracting Information

Agents contracted through Agent First Contracts receive:

• Direct contract with Standard Life & Casualty / ManhattanLife
• Paid directly by the carrier
• Access to Secure Advantage final expense products
• Independent agent opportunity
• Competitive commission opportunities
• Access to simplified issue whole life products

For many experienced final expense agents, Standard Life becomes a valuable strategic carrier that helps improve placement opportunities and keeps more business on the books.

Frequently Asked Questions

Is Standard Life good for final expense agents?

Yes. Many agents keep Standard Life in their portfolio because of its pricing advantages and ability to help place business in competitive situations.

Is this a direct contract?

Yes. Agents receive a direct contract and are paid directly by the carrier.

What is Secure Advantage?

Secure Advantage is ManhattanLife's simplified issue final expense whole life product designed for the senior market.

Does Standard Life require a medical exam?

No. Secure Advantage is designed as a simplified issue final expense product and does not require a medical exam on eligible applications.

Why do experienced agents keep Standard Life available?

Many experienced agents use Standard Life strategically because competitive pricing and product fit can help place business that may otherwise be lost.

Get Contracted with Standard Life & Casualty / ManhattanLife

If you are looking for a final expense carrier that can provide competitive pricing, additional placement opportunities, and a direct contract paid directly by the carrier, Standard Life & Casualty / ManhattanLife can be a valuable addition to your portfolio.

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