ManhattanLife Lighthouse Series Home Health Care Select Rate Guide
Underwritten by: ManhattanLife Insurance and Annuity Company and Standard Life and Casualty Insurance Company
HHCS-RATES 1124
For Agent use only
TABLE OF CONTENTS § Monthly Base and Rider rates for: AK, AL, AR, AZ, DC, DE, GA, HI, IA, ID, IL, LA, MT, NE, NV, OK, OR, PA, RI, WI, WY § Monthly Base and Rider rates for: CO, IN, OH § Monthly Base and Rider rates for: MD, MI, TN § Monthly Base and Rider rates for: MS § Monthly Base and Rider rates for: MO § Monthly Base and Rider rates for: NC, SD § Monthly Base and Rider rates for: NH § Monthly Base and Rider rates for: ND § Monthly Base and Rider rates for: SC § Monthly Base and Rider rates for: TX § Monthly Base and Rider rates for: VA § Monthly Base and Rider rates for: WV
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: AK, AL, AR, AZ, DC, DE, GA, HI, IA, ID, IL, LA, MT, NE, NV, OK, OR, PA, RI, WI, WY Monthly Base Rates + RX Attained Age Classic Premier Deluxe 45-49 $14.92 $23.86 $24.98 50-54 $16.18 $25.89 $27.08 55-59 $18.63 $29.80 $31.15 60-64 $20.49 $32.78 $34.56 65-69 $24.21 $38.74 $41.36 70-74 $37.25 $59.60 $65.14 75-79 $50.29 $80.46 $92.10 80-84 $67.05 $107.28 $126.85 85-89 $84.97 $135.95 $163.67
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67 *Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 11 24
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: CO, IN, OH Monthly Base Rates + RX Attained Age Classic
Premier $22.56 $24.48 $28.17 $30.99 $36.62 $56.34 $76.06 $101.41 $128.52
Deluxe $23.61 $25.60 $29.44 $32.66 $39.09 $61.58 $87.06 $119.91 $154.72
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.10 $15.29 $17.60 $19.37 $22.89 $35.21 $47.53 $63.38 $79.43
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance*
Accidental Death & Dismemberment
Home Medical Equipment Routine Annual Exam*
*Not available in CO.
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: MD, MI, TN Monthly Base Rates + RX Attained Age Classic
Premier $22.56 $24.48 $28.17 $30.99 $36.62 $56.34 $76.06 $101.41 $128.52
Deluxe $23.61 $25.60 $29.44 $32.66 $39.09 $61.58 $87.06 $119.91 $154.72
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.10 $15.29 $17.60 $19.37 $22.89 $35.21 $47.53 $63.38 $80.32
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: MS Monthly Base Rates + RX Attained Age Classic
Premier $25.03 $27.06 $30.97 $33.95 $39.90 $60.77 $81.63 $108.44 $137.12
Deluxe $26.14 $28.24 $32.32 $35.72 $42.52 $66.31 $93.27 $128.01 $164.84
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$16.09 $17.35 $19.79 $21.66 $25.38 $38.42 $51.46 $68.21 $86.13
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: MO Monthly Base Rates + RX (no policy fee) Attained Age Classic
Premier $27.19 $29.22 $33.13 $36.11 $42.07 $62.93 $83.79 $110.61 $139.28
Deluxe $28.31 $30.41 $34.48 $37.89 $44.69 $68.47 $95.43 $130.18 $167.00
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$18.25 $19.51 $21.96 $23.82 $27.54 $40.58 $53.62 $70.38 $88.30
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor.
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: NC, SD Monthly Base Rates + RX Attained Age Classic
Premier $20.63 $22.38 $25.75 $28.33 $33.48 $51.51 $69.54 $92.71 $117.50
Deluxe $21.59 $23.40 $26.92 $29.86 $35.74 $56.30 $79.60 $109.63 $141.46
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$12.90 $13.98 $16.10 $17.71 $20.93 $32.19 $43.46 $57.94 $73.44
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.45 $4.91 $0.94 $0.92 $2.12 $3.96
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
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HHCS Rates 1124
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: NH Monthly Base Rates + RX Attained Age Classic
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: ND Monthly Base Rates + RX Attained Age Classic
Premier $17.56 $19.05 $21.93 $24.13 $28.51 $43.86 $59.21 $78.95 $100.06
Deluxe $18.38 $19.92 $22.92 $25.43 $30.44 $47.94 $67.77 $93.35 $120.45
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$10.98 $11.91 $13.71 $15.07 $17.82 $27.41 $37.01 $49.34 $62.54
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$0.81 $2.11 $4.21 $0.80 $3.43 $1.84
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
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HHCS Rates 1124
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company Rates are for: SC
Rate Guide | Home Health Care Select
Monthly Base Rates + RX (no policy fee) Attained Age Classic
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor.
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
11
HHCS Rates 1124
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: TX Monthly Base Rates + RX Attained Age
Classic $14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.10 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
12
HHCS Rates 1124
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: VA Monthly Base Rates + RX Attained Age
Classic $14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.94 $5.89 $1.08 $1.05 $4.53
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
13
HHCS Rates 1124
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Rates are for: WV Monthly Base Rates + RX (no policy fee) Attained Age Classic
Premier $25.53 $27.56 $31.47 $34.45 $40.41 $61.27 $82.13 $108.95 $137.62
Deluxe $26.65 $28.75 $32.82 $36.23 $43.03 $66.81 $93.77 $128.52 $165.34
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$16.59 $17.85 $20.30 $22.16 $25.88 $38.92 $51.96 $68.72 $86.64
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor.
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 1124
14
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care Select
Notes:_____________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________
HHCS Rates 1124
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Underwritten by: ManhattanLife Insurance and Annuity Company and Standard Life and Casualty Insurance Company Administrative Office: 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-669-9030
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