Agent Guide | Dental, Vision, & Hearing Select
ManhattanLife Insurance and Annuity Company
Effective Dates The Effective Date of a policy will be the policy date on the policy schedule page. It is not the date the date the application is signed. The effective date cannot be the application signature date. Policyholders can choose 1 day after up to 6 months from the signature date. Effective dates can only be from the 1st to the 28th of any month. Effective Date Changes Policyholders can request an effective date up to 6-months from the signature date. Changes can be made by contacting customer service at 1800-999-2971, option 2. We do not back date policy effective dates beyond the application signature date. Benefit Changes • Benefit Increases and decreases require a new application to be submitted. ∘ Benefit Increases are allowed only on the policy anniversary date. ∘ The additional benefit amount will be subject to first policy year coverage percentage and waiting periods ∘ A rider for the additional increase would be added to the policy. For additional information please contact customer service at 1-800-999-2971, option 3. • Dependent addition or removal ∘ Addition of dependents require a new application. ∘ Removal of dependents can be requested through email, fax, or mail. Reinstatement Guidelines Insureds may pay back premiums and reinstate with no lapse in coverage within 30 days of the Term Date. If outside of 30 days, the insured must submit a request in writing to reinstate. A notice will be mailed providing the steps to bringing the policy current. The policy will have a gap in coverage. In order to apply for new coverage, they must be inactive for 90 days from the Term Date. If a customer does reinstate after 90 days from the prior term date, the waiting period will continue from where the customer was prior to the cancellation. An applicant cannot have more than 1 active DVH policy Group Eligibility A minimum participation of 3 eligible lives is required for group billing. Coverage may not be backdated.
AGT-DVH7016-0924
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