Agent Guide | Dental, Vision, & Hearing Select
ManhattanLife Insurance and Annuity Company
General The policy form is a Limited Dental, Vision & Hearing product. The product, as filed in the State of Florida, has the Vision and Hearing benefits filed as Riders. Guaranteed Renewability Guaranteed Renewable for the life of the policy. Subject to the Company’s right to change premiums (may vary by state). Issue Ages and Premium Ages In computing premiums, the Company uses “Age of Last Birthday” on these policy forms. The two-parent family premium is based on the older age for bank draft sales and the employee’s age for payroll sales. No adult over age 85 is eligible for coverage. All States: • Individual (age rate 18-85) and child (age rate 3 – 17) • Dependents under age 3 not eligible • Child only policies not accepted • Increase in benefit amount are processed by PHS • Decreases allowed at any time • Dependents eligibility are based on the provisions in the policy print for the state applied. Premium Rates Family rates are quoted to Individual / Spouse, Individual / 2+ Children or Individual, Spouse and up to 3 Children. Additional children are charged the age 3 – 17 rate per person. One parent and one child only will be charged the individual plus the age 3 – 17 rate. Single parent (individual and one child) premiums cannot be added and entered as a lump sum on the base / primary insured. Network We utilize the Careington Maximum Care PPO Dental network and DentaMax. Policyholders are not required to visit a network provider and can use the dentist of their choice. Using a network provider, however, may result in a better discounted rate, thus extending the amount remaining of a given Policy Year maximum.
AGT-DVH7016-0924
1
Made with FlippingBook Annual report maker