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ManhattanLife(CUL) Life Insurance

Central United Life, part of Manhattan Insurance Group, offers a variety of term life insurance products through Family Life Insurance Company that focus on the "family market." Whether your need is Family Protection or Mortgage Protection, Family Life can provide coverage on dad, mom and children in the same policy.



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Note: This carrier is a Just In Time carrier (in all states except for PA). You must submit business for your contract to be finalized.


Direct HO Access  Annualization  Downline Recruitment Allowed
  Requires E&O  Appointment Fees  Requires AML

How To Guide


To log into the ManhattanLife(CUL) agent portal click here.


To access supplies for ManhattanLife(CUL) life insurance log into your agent portal and go to Downloads > Product Downloads > By Products.


To access ManhattanLife(CUL)'s illustration software log into your agent portal and go to Agent Tools > Life Illustrations.

 New Business  

Please send your first application with ManhattanLife(CUL) life insurance to MESSER by either:

  1. Faxing your application to 800-968-9814
  2. Emailing it to [email protected]
  3. Or, if the application includes a modal premium, overnight the application to the following address:

    ATTN: New Business
    MESSER Financial Group
    1216 Mann Dr Suites 100-200
    Matthews, NC 28105

There are three ways to submit business for Central United Life.

  1. By uploading your application online by logging into your agent portal and using the Easy Upload on the Dashboard
  2. By faxing the application to 843-763-1602
  3. By mailing the application to the following address:
    Central United Life Insurance Company
    10777 Northwest Freeway
    Houston, TX 77092


To access underwriting for ManhattanLife(CUL) log into your agent portal and go to Downloads > Product Downloads > Select State.


You can access forms for ManhattanLife(CUL) through the iGo Forms Engine on the MESSER website by clicking here.

You can also access forms for ManhattanLife(CUL) life insurance by logging into your agent portal and going to Downloads > Product Downloads.


Click here to access MESSER's Life Quote Tool.



Commissions for ManhattanLife(CUL) are paid by MESSER.
Please visit our Commission Information page to view the schedule.



Visit MESSER's Carrier Incentive Page to view all carriers offering an incentive trip.

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