This is ManhattanLife's portfolio of Senior focused products.
ManhattanLife Lighthouse Series Senior Benefits at a Glance
Underwritten by: ManhattanLife Insurance and Annuity Company Family Life Insurance Company Standard Life and Casualty Insurance Company
LHS-PGBR 0924
Why Choose the Lighthouse Series from ManhattanLife? The ManhattanLife Lighthouse Series was designed specifically with the senior market in mind, allowing you to easily locate, review, and enroll in any of our senior focused products. This series now includes Medicare Supplement, Accident, Cancer and/or Heart & Stroke, Dental, Vision and/or Hearing, Home Health Care, Hospital Indemnity, Final Expense and Short-Term Care. The ManhattanLife Lighthouse Series strives to be a single-source solution for seniors, providing added security and protection when it is needed most.
26% of adults in the United States have untreated tooth decay. 1 46% of adults aged 30 years or older show signs of gum disease. 2
1 Out of 2 Men 1 Out of 3 Women Will be diagnosed with Heart Disease 4
An analysis of federal data found that U.S. nursing home occupancy rates dropped 15% starting at the end of 2019. In addition, a September 2020 AARP poll of adults over 40 found that 28% said they were less likey to acquire facility-based care for a family member.
Medicare was not designed to cover all doctor and hospital bills for seniors. Medicare Supplement can help with coinsurance, co- payments and deductibles helping keep health care out of pocket expenses to a minimum. Plans Offered: A, F, G, N
Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass, ensuring loved ones are not left with hardships associated with burial costs.
Accidents can happen to anyone at anytime, and unfortunately the likelihood increases as we age. This is why ManhattanLife’s Accident plan is an instrumental piece to the Lighthouse Series.
To address rising costs of Long-Term Care insurance (LTCi) and increasing health eligibility requirements, ManhattanLife has developed OmniFlex™ Short Term Care, a dependable and affordable solution.
Those with high deductible ACA or Medicare Advantage plans could greatly benefit from Hospital Indemnity Select. This plan serves as a valuable resource by providing lump sum cash benefits to assist in covering the out-of-pocket expenses linked to high deductibles and co-pays.
1-4 see source information on back cover.
ManhattanLife Lighthouse Series .................................................................................................................................. The Lighthouse series provides bundled coverage for all of these gaps including:* • Accident: Accident insurance can help individuals and families with the financial aftermath of unexpected injuries. • Cancer and/or Heart & Stroke pays a lump sum cash benefit up to $75,000 which can be utilized to offset out-of-pocket costs associated with a Cancer diagnosis or Stroke. • Dental, Vision, and Hearing. • Final Expense: Final expense insurance can help alleviate the costs associated with a passing. • Home Health Care pays benefits for custodial care in the comfort of your home. • Hospital Indemnity Select: Hospital Indemnity Select helps fill the coverage gaps left by traditional health plans such as Major Medical, the Affordable Care Act and Medicare Advantage plans. • Medicare Supplement pays benefits for deductibles and coinsurances. • Short-term Care: This plan was developed to help offset the rising costs associated with short stays in a nursing care facility.
Hospital/Doctor Deductibles & Co-Insurance
Unexpected Accidents
Dental, Vision and Hearing
ManhattanLife Lighthouse Series
Cancer/Heart/Stroke Out of Pocket Costs
End of Life Planning
Home and Facility Care Coverage
*Multiple products required for the most comprehensive coverage.
ManhattanLife Lighthouse Series
Medicare Supplement
Protection from the bills Medicare doesn’t pay Medicare was never meant to cover all your doctor and hospital bills. Unfortunately many people do not realize this until the bills become unmanageable. Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses. Medicare Supplement Series offers standardized insurance plans Medicare Supplement from ManhattanLife is designed to give you choices - choices you need to help cover health care costs today! Our plans allow you to choose a Medicare Supplement Plan to suit your life’s situation, budget, and needs. All Medicare Supplement plans offer these benefits: Part A Coinsurance pays if you are confined in a hospital. Should you require more than 60 continuous days of hospitalization, ManhattanLife will pay the coinsurance amounts up to the 150th 1 day of confinement and for the first 3 pints of blood each year. Additionally, if you use your lifetime reserve days, ManhattanLife will provide coverage for up to an additional 365 days. Part B Coinsurance pays the Medicare Part B coinsurance amount, reducing your out- of-pocket expenses when you require medical services. Plan N requires a co-payment of up to $20 for an office visit, and up to $50 co-payment for an emergency room visit. To get contracted for Medicare Supplement, please reach out to our partner AIMC at:
Yvonne Brumby, Department Manager Phone Number: 800-321-0102, ext 313
Fax Number: 678-483-8513 Email: Yhbrumby@aimc.net Agent will be required to provide the following: Name, Agency name (if applicable), NPN's, Phone number
ManhattanLife Lighthouse Series
Accident PAID Enhanced
Accidents Happen Accidents happen, so ensure your clients are protected with a PAID Enhanced plan from ManhattanLife!
Indemnity Benefits: • Urgent Care Facility • Physician Follow-up Visits • Chiropractor Visits • Rehabilitation Unit - Admission • X-Ray • Paraplegia
• Quadriplegia • Concussion • Coma • Ambulatory Surgical Center Facility and/or Outpatient Hospital Facility Product Features • Helps you pay for out-of-pocket expenses • 2 options: 24-hour, or off-the-job only • Issue ages 18 - 84* • Guaranteed renewable for life*, subject to our right to change premium rates • Choose one or two units
*Not available in all states
Policy Form Numbers: AK7025, AK7024 (including state variations)
ManhattanLife Lighthouse Series
Dental, Vision and/or Hearing
DVH Select was created with the consumer in mind Choose from Dental, Vision & Hearing, Dental & Vision, Dental & Hearing, or simply Dental alone. Again, our goal was to provide a consumer friendly dental plan that places the power of choice back in the hands of the consumer. Products Highlights • Individual ages 18 – 99 • Family rates (include up to 3 children) • $0 or $100 deductible (does not apply to Preventive Services) • Glasses, Contacts and Hearing Aid benefits • Guaranteed renewable for life* • Choose your dentist (in-network or out-of- network) • $1,000, $1,500, $3,000, or $5,000 policy year maximum benefit • Orthodontia benefit • No waiting periods for Dental Services (except Orthodontia) • Guaranteed issue * Subject to our right to change premiums.
Flexibility to choose . . .
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Dental, Vision and Hearing
Dental Only
Dental and Vision
Dental and Hearing
Careington Network Clients can access the Careington Maximum Care PPO Dental Network. Use of network completely optional. • Policyholders can choose a dental provider from the Careington Dental Network. • Policyholders can also use the dentist of their choice, even if not part of the dental network. • Network discounts may help extend the policy year maximum with reduced charges. • Careington can be contacted at (800) 290-0523.
Policy Form Numbers: AK7016, AK7034 (including state variations) 1 Subject to our right to change premiums
ManhattanLife Lighthouse Series
Cancer and/or Heart & Stroke
Go Beyond Traditional Health Insurance Cancer and/or Heart & Stroke insurance from ManhattanLife helps provide a critical safety net to address the financial burdens and consequences of a Cancer, Heart, or Stroke diagnosis. You receive benefits in addition to any other health insurance coverage you may have. 1 Cover costs that matter most to you We understand that treatment is not the only cost that comes with a Cancer, Heart, or Stroke diagnosis. Unless assigned, we pay benefits to you directly - allowing you to choose whether to cover deductibles and co-payments, living expenses, lodging, or any other obligations outstanding. Issue Age: 20-84
Rising Costs
The Peterson Center reported that healthcare spending in the U.S. during 2019 was $11,582 per person and expected to climb to roughly $18,000 per person by 2028. 2
Build Coverage that works for you Thinking of the consumer once again, ManhattanLife developed this plan with an a la carte style approach. Select the coverage that's important to you, whether that be Cancer, Heart & Stroke, or both. For added flexibility, our Cancer and/or Heart & Stroke Insurance also provides a wide range of max benefit options from $5,000 to $75,000 (increments of $5,000). In addition, you have a choice of both a Cancer Recurrence Benefit Rider and/or a Heart & Stroke Restoration of Benefits Ride. 3 Policy Form Numbers: Lump Sum Cancer Policy: AK7029 (including state variations) Lump Sum Heart & Stroke Policy: AK7030 (including state variations) 1 Policyholder may only have one Cancer policy in force. 2 Probasco, Jim. (2021, June 10) Why Do Healthcare Costs Keep Rising? Investopedia.com. https:// www.investopedia.com/insurance/why-do-healthcare-costs-keep-rising/ 3 Riders only available at certain ages. Please consult Marketing Brochure in your state for more details.
ManhattanLife Lighthouse Series
Home Health Care Select
Health. Value. Peace of Mind. If possible, wouldn’t you rather recuperate from an injury or chronic illness in the comfort of your own home? A sudden illness, injury, or debilitating chronic condition can happen to any individual at any age. ManhattanLife Home Health Care Insurance is an affordable solution that provides both the flexibility and the financial support you need to recover at home surrounded by family and those that you love. These plans can also minimize financial stress and allow you to focus your energy and attention on your own personal recovery.
Home Health Care plans offer these features: • Skilled and General Nursing Care • Speech Pathology • Enterostomal Therapy • Home Health Aide • Occupational Therapy • Respiration Therapy • Prescription Drug Benefit • Physical Therapy • Chemotherapy Specialist
• Medical Social Services • Restoration of Benefits • Issue ages 45 - 89
Additional Riders available: • Ambulance Benefit
• Home Medical Equipment Benefit • Accident Expense Benefit
• Routine Annual Physical Examination • Accidental Death & Dismemberment
Health
Value
Peace of Mind
Product availability and benefits may vary by state Policy Form Numbers: M-HHC, S-HHC, S-HHC-LA, S-HHC-OK, AM7008 (including state variations) Policy Rider Numbers: M-EBR, M-CAR, S-ABR, S-EBR, S-CAR, S-CAR-LA, S-ABR-LA, AM7008AB,
AM7008AC, AM7008DD, AM7008RE, AM7008DE (including state variations) * See the Rider and/or Outline of Coverage for state-specific details.
ManhattanLife Lighthouse Series
Hospital Indemnity Select
Why Hospital Indemnity Select? Individuals with high deductible health plans, ACA plans, or Medicare Advantage plans may find hospital indemnity plans particularly valuable. These plans can help bridge the gap in coverage by providing financial assistance for out-of-pocket costs associated with high deductibles. Choosing the right plan has never been easier! • Benefits available immediately • Competitive Rates • Guaranteed Renewable for life • Individual, Individual & Spouse, Individual + Children, and Family rates available • Rates DO NOT increase as you age. • Guarantee Issued for ages 64½ to 70 • Available for ages 18-89
Available Benefits
Ambulance Benefit
Mental Health
Emergency Room
Short Duration Hospital Stay
Optional Benefits
Skilled Nursing Facility
First Day Hospital Admission
Outpatient Surgical Procedure
Product availability and benefits may vary by state Policy Form Numbers: AN7003 (and state variations) Policy Rider Numbers: AN7003 (and state variations) * See the Rider and/or Outline of Coverage for state-specific details.
ManhattanLife Lighthouse Series
OmniFlex™ Short-Term Care
OmniFlex™ is there when you need it most. When you need assistance with two or more Activities of Daily Living (Bathing, Continence, Dressing, Eating, Toileting, Transferring) or suffer from a cognitive impairment, benefits are paid directly to you or a medical provider that you designate. OmniFlex™ benefits are paid in addition to any other health care coverage. The benefits and premiums for this coverage will vary based on the plan options selected. Issue ages 45 - 89.
Optional Benefits Simple Inflation
No matter your financial situation, keeping an eye on the horizon in terms of costs is key. With the OmniFlex™ Simple Inflation Option, your benefits grow 5% beginning on the 6 th policy anniversary date and increase by the same dollar amount each subsequent anniversary, until your Daily Benefit reaches double its value. Home Health Care Rider The OmniFlex™ Home Health Care Rider was created to help provide you with the option to recover from accidents or illnesses from your own home. This optional benefit pays an indemnity benefit for any day you receive a covered home care service. Hospital Indemnity Benefit Rider This valuable OmniFlex™ rider pays a daily cash benefit to help cover the ever-increasing co-pays, deductibles, or other miscellaneous costs associated with a hospital stay.
Home Health Care Simple Inflation See the Rider and/or Outline of Coverage for state-specific details.
Hospital Indemnity
Policy Form Numbers: AL7060, AL7060I, AL7060ID, AL7060IID, AL7060LA, AL7060ILA, AL7060MT, AL7060IMT, AL7060OK, AL7060IOK, AL7060TX, AL7060ITX, (including state variations) 1 Genworth Cost of Care Survey 2021, conducted by CareScout®, August 2022; www.genworth.com/coc
ManhattanLife Lighthouse Series
Final Expense
As part of the ManhattanLife Lighthouse Series of Senior products, our Secure Advantage Final Expense plan is designed to help you protect loved ones from the worry and financial burden of paying your final expenses. This is an immediate death benefit whole life policy which provides up to $50,000 1 in coverage. Regardless of changes in interest rates or any other factors, your death benefit, premium rates, and cash values will never change. Rates and cash values are guaranteed.
The average funeral cost in the United States is between $7,000 and $12,000 and can quickly escalate from there. 2
Baby boomers hold the highest average personal loan balance of any generation. In the second quarter (Q2) of 2019, boomers—people 55 to 73 years old—carried an average personal loan balance of $19,253, according to Experian data. 3 $19,253
Highlights: • Rates and cash values are guaranteed. • No Waiting Period
• Benefits are Income Tax Free • Optional Accidental Death & Dismemberment Rider available
Ages 0-49 Max Benefit = $50,000
Ages 50-80 Max Benefit = $25,000
Ages 81-85 Max Benefit = $15,000
Policy Form Number: 4-790 (03) (including state variations)
1 Face amount is based on issue age. 2 https://insuranceforburial.com/blog/funeral-costs-for-all-50-states/#:~:text=It's%20wise%20 to%20know%20funeral,so%20the%20family%20won't 3 Lembo, Stefan (30, September 2019) Baby Boomers Carry the Highest Personal Debt. Experian. https://www.experian.com/blogs/ask-experian/research/baby-boomers-and-personal-loans/
Underwritten by: ManhattanLife Insurance and Annuity Company Family Life Insurance Company Standard Life and Casualty Insurance Company Administrative Office: 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-669-9030
Thank you for considering ManhattanLife Lighthouse Series. For over 170 years, Manhattan Life Insurance Company has been helping individuals and businesses by providing innovative products and superior customer service. Manhattan Life and it's group of companies provide competitive Medical, Life, Cancer, and Supplemental Health insurance with the personal attention you’ve come to expect from your insurance company. Manhattan Life remains faithful to the core values on which it was founded: competitive products, personal service, and prudent financial management. Our Customer Service team is friendly, knowledgeable, and ready to help you. This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the ManhattanLife Lighthouse Series products at Disclosure. ManhattanLife.com . Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. Contact Sales and Marketing at ManhattanLife: Contact Number: 800–669-9030 Contact Email: cservice@ManhattanLife.com
1 Centers for Disease Control and Prevention. Oral Health Surveillance Report: Trends in Dental Caries and Sealants, Tooth Retention, and Edentulism, United States, 1999–2004 to 2011–2016. Atlanta, GA: Centers for Disease Control and Prevention, US Dept of Health and Human Services; 2019. 2 Eke P, Thornton-Evans G, Wei L, Borgnakke W, Dye B, Genco R. Periodontitis in US adults: National Health and Nutrition Examination Survey 2009-2014. JADA. 2018;149(7):576-586. 3 https://medcitynews.com/2021/08/diversifying-the-care-circle-to-deliver-care-at-home/ 4 https://www.cdc.gov/heartdisease/facts.htm 5 https://www.cdc.gov/nchs/fastats/leading-causes-of-death.htm 6 Genworth Cost of Care Survey 2021, conducted by CareScout®, August 2022; www.genworth.com/coc
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