Lighthouse Series Products at a Glance

This is ManhattanLife's portfolio of Senior focused products.

ManhattanLife Lighthouse Series Senior Benefits at a Glance

Underwritten by ManhattanLife Insurance and Annuity Company. ManhattanLife of America Insurance Company Family Life Insurance Company Standard Life and Casualty Insurance Company


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. As this series continues to grow, product offerings will include: Medicare Supplement, Accident, Cancer and/or Heart & Stroke, Dental, Vision and/or Hearing, Home Health Care, 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

The Wall Street Journal’s analysis of federal data found that U.S. nursing home occupancy rates dropped 15% starting at the end of 2019. What’s more, in a September 2020 AARP poll of adults over age 40, 28% of respondents said they were less likely “to opt for facility-based care” for an older family member. 3

Medicare was not designed to cover all doctor and hospital bills for seniors. Medicare Supplement can help with coinsurance, copayments 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 costs.

Accidents can happen to anyone at anytime, and unfortunately the likelihood increases as we age. This is why ManhattanLife Accident plan is an instrumental piece to the Lighthouse Series.

With the cost of Long-Term Care insurance (LTCi) services continuing to rise and health eligibility requirements making it more difficult to qualify, ManhattanLife has developed OmniFlex™ Short Term Care insurance (STCi) to address the growing need for coverage with an affordable solution.

1-4 see source information on back cover.

Help protect yourself by protecting your greatest asset – your health – with the ManhattanLife Lighthouse Series of products. This series offers innovative, thoughtful designed plans that include a myriad of medical benefits created specifically with Seniors in mind. The plans outlined below help Seniors handle unexpected illness or injury by offering a wide range of benefit options, which can be tailored to meet individual needs. .................................................................................................................................. The ManhattanLife Lighthouse Series product portfolio includes: Medicare Supplement While Medicare helps millions of seniors annually, there are limitations and coverage gaps our policies help cover, such as dental care, eye exam or Home Health Care. ManhattanLife provides plan options A, F, G & N. Accident Accident makes finding a plan that fits your needs easy! With several product plans to choose from, select the Accident coverage that best fits your personal and financial needs! Cancer, Heart Attack & Stroke According to the Center for Disease Control, heart disease and cancer are among the top 5 leading causes of death in the United States.5 We've designed our Cancer and/or Heart & Stroke plan to help address financial concerns in the event of a cancer, heart, or stroke diagnosis. Lump sum benefit options up to $75,000 can help provide you with peace of mind. Dental, Vision and/or Hearing Oral health directly affects overall health and quality of life. In fact, dental disease is a common cause of medical and emergency room visits, according to the American Dental Association. Medications and common chronic illnesses in older adults, such as diabetes or heart disease, put seniors at an increased risk for dental problems. Home Health Care We've designed our Home Health Care with flexibility in mind, offering 3 base plan options: Classic, Premier, and Deluxe. All plans include a variety of built-in benefits such as home health care aide, prescription drug benefit, and restoration of benefits, which restores policy benefits if no claims have been paid in the previous 180 days. You can also add any of 5 additional rider benefits for even more value. Short-Term Care Rising prices have impacted a vast majority of industries, and the health care industry is no exception. For a semi-private Nursing Home room one can expect to pay an average of $260 per night. 6 Private rooms are even higher averaging $297 per night. 6 These figures are expected to continue on an upward trajectory for the foreseeable future. ManhattanLife's STCi was created specifically to help seniors hedge against these rising prices. Final Expense Permanent Life Insurance protection that will last your entire lifetime. Face amounts available up to $50,000*. ManhattanLife Lighthouse Series Overview

5-6-see source information on back cover. * Face amount is based on issue age.

ManhattanLife Lighthouse Series

Lighthouse Series - Benefits Paid .................................................................................................................................. The Lighthouse series provides bundled coverage for all of these gaps including:* • Medicare Supplement pays benefits for deductibles and coinsurances. • Dental, Vision, and Hearing. • Home Health Care pays benefits for custodial care in the comfort of your home. • Cancer and/or Heart & Stroke pays benefits for out-of-pocket costs from an unforseen health issue. • 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

Dental, Vision and Hearing

ManhattanLife Lighthouse Series

Cancer/Heart/Stroke Out of Pocket Costs

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 unmanagable. Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses. Medicare Supplement Series offers 4 standardized insurance plans Medicare Supplement from ManhattanLife Lighthouse series 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 of America 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 of America 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. Medicare Supplement plans offered: 2 A, F, G, N

Policy Form Numbers: MAMSAA, MAMSAF, MAMSAG, MAMSAN (including state variations)

1 Assumes Emergency Reserve days and/or additional 365 days remain. 2 All plans may not be available in your state. Please refer to the Outline of Coverage your agent provide

ManhattanLife Lighthouse Series


Accidents happen Accidents happen, so ensure your clients are protected with one of the flexible plans 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 - 64 • Guaranteed renewable to age 70, subject to our right to change premium rates • Choose one or two units

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 . . .





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? https:// 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 a ordable solution that provides both the exibility and the nancial support you need to recover at home surrounded by family and those that you love. These plans can also minimize nancial 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

Additional Riders available: • Ambulance Benefit

• Home Medical Equipment Benefit • Accident Expense Benefit

• Routine Annual Physical Examination • Accidental Death & Dismemberment



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

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.

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.

Simple Inflation

Home Health Care

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;

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'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.

Underwritten by: ManhattanLife Insurance and Annuity Company. ManhattanLife of America Insurance 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:

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 4 5 6 Genworth Cost of Care Survey 2021, conducted by CareScout®, August 2022;

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