Agent Guide | Short Term Care
ManhattanLife
Policy Issue Guidelines The policy issued is specific to the state of residence. The applicant’s state of residence controls the application, forms, premium, and policy issued. If an applicant has more than one residence, the state where the federal income taxes are filed should be considered the state of residence. Multiple Policies An individual can only have one ManhattanLife Short-Term Care Insurance policy in place at any given time. Replacements A replacement takes place when an applicant wishes to exchange an existing ManhattanLife OmniFlex™ Short-Term Care policy for another OmniFlex™ Short-Term Care policy of lesser (downgrade) or greater (upgrade) value. An upgrade will be processed via a new paper application, including Underwriting. A $25 application fee applies. Downgrades will be processed via email or written request sent to the following: Email: TBD Address: TBD Underwriting The goal of ManhattanLife and group of companies is to issue insurance policies as quickly and efficiently as possible, while ensuring proper evaluation of each risk. To accomplish this goal, writing agents may be contacted via email to advise him/her of any problem(s) with an application. Complete applications will be reviewed and processed within 48-72 hours. It is very important to ensure the entire application is filled out completely, including all health questions. This greatly helps reduce processing timeframes. If you (agent) or insured are unsure about past medical conditions, impairments, or terminology, please provide any additional comments that could provide additional insight to our underwriters.
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