Manhattan Life review

Annuity Atlas covers 6 Manhattan Life annuity products with live rates and contract specs. 6 carry full editorial reviews.

Carrier strength

B++

A.M. Best

Products6

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Products covered

A.M. Best

B++

Categories covered

MYGA

6 Manhattan Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Preferred Choice 5 Savers who want a simple 5-year locked rate with no rider complexity and can confirm the current rate before signing	MYGA	5yr	B++	—	—	Review →
Preferred Choice 7 Buyers who specifically want a 7-year locked rate from Manhattan Life and have already compared it against the carrier's own shorter-duration options	MYGA	7yr	B++	—	—	Review →
Preferred Choice 6 Savers who specifically need a 6-year maturity date, can meet the $25,000 minimum, and confirm Manhattan Life's current rate before locking in	MYGA	6yr	B++	—	—	Review →
Premium Preferred 7 Risk-averse savers who want a locked multi-year rate and a real guarantee that their surrender value will never fall below what they paid in, even during the surrender period	MYGA	7yr	B++	—	—	Review →
Preferred Choice 3 Short-horizon savers who want a locked 3-year fixed rate and don't need broad withdrawal access before maturity	MYGA	3yr	B++	—	—	Review →
Premium Preferred 5 Conservative savers who want a contractual guarantee that they'll never get back less than they put in, even if they need to exit before the term is up	MYGA	5yr	B++	—	—	Review →

Frequently asked questions

Is Manhattan Life a good annuity company?

We have reviewed 6 Manhattan Life products, and A.M. Best rates the carrier B++ for financial strength.

What is the surrender period for Manhattan Life annuities?

Surrender periods on Manhattan Life's current lineup run 3–7 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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