Advantage Series Critical Illness

Helping protect you and your family with coverage for Critical Illness, Cancer, Specified Diseases, and other Progressive Illnesses.

Underwritten by ManhattanLife Insurance and Annuity Company.

ASCI-BR 1022

Advantage Series Critical Illness Insurance

Standing by your employees.

We understand that treatment is not the only financial burden that comes with a covered Critical Illness diagnosis. A Critical Illness plan from ManhattanLife’s Advantage Series is an affordable solution that gives your employees the advantage of choice. We pay a lump-sum benefit directly to your employees - they choose whether to use the funds for deductibles, co-payments, living expenses, childcare, or anything else. KEY FEATURES Guaranteed issue* is available with a maximum of $20,000 for employees, 50% of the employee benefit for spouse, and 25% up to $5,000 for each eligible child. Recurrence Benefit is embedded in both the Classic and Preferred plan options, providing an additional benefit for a recurrent diagnosis. ** Waiver of Premium Benefit will waive the insured’s premiums if they are Totally Disabled for a minimum of 180 days due to a covered Critical Illness. While our plan options are intentionally focused to meet your employees’ needs, we also offer additional optional benefits to enhance their coverage.

Coverage Amounts

Employees

$5,000 to $50,000***

$2,500 to $25,000 (50% of employee benefit amount) $5,000 for each eligible child (25% of employee benefit amount)

Spouse

Child

Did you know? Every 40 seconds, someone in the U.S. has a heart attack. Source: Heart Disease and Stroke Statistical 2020 Update, American Heart Association.

*Guaranteed Issue is contingent upon group size. **The insured must be treatment and symptom free for 12 consecutive months be- tween diagnoses for the Recurrence Benefit. ***Underwriting required above $20,000

Plan Options

BENEFITS

CANCER-ONLY CLASSIC PREFERRED

Benefit Recurrence Provides an additional benefit for the same condition (based on a list of Covered Conditions) if an insured is treatment-free for at least 12 consecutive months; available once per Recurrence of each Covered Condition.* Additional Occurrence Benefit Provides an additional benefit when the insured is diagnosed with a new Critical Illness at least 6 consecutive months following a previous, different diagnosis. Waiver of Premium We will waive premiums if an insured becomes Totally Disabled for 180 consecutive days due to a Critical Illness where benefits have been paid.

P P

P P P

50% Benefit Reduction at Age 70

Optional

COVERED CRITICAL ILLNESSES

CANCER-ONLY CLASSIC PREFERRED

Cardiac Benefits

Covered at 100% 100% 25%

Heart Attack Sudden Cardiac Arrest Coronary Heart Disease

X X X X X X

Cerebral Vascular Diseases Benefit Stroke Brain Aneurysm Transient Ischemic Attack

100% 10% 10%

Cancer Benefits

Invasive Cancer Non-invasive Cancer Skin Cancer

100% 25% X

100% 25% $250**

Other Specified Illnesses Benefit Benign Brain Tumor Coma*** End Stage Renal Failure

100% 100% 100% 100% 100% 100% 100% 100%

X X X X X X X X X X X X

Loss of Sight, Speech or Hearing*** Major Organ Failure

Occupational HIV/Hepatitis Paraplegia/Quadriplegia*** Severe Burns***

Progressive Diseases Benefit

Advanced Dementia/Alzheimer’s Advanced Parkinson’s ALS Multiple Sclerosis 100% 100% 100% 100% *Please refer to Critical Illness Certificate for a complete list of Covered Conditions; ** In ID, benefit is $1,000; *** Not available in ID.

Underwritten by: ManhattanLife Insurance and Annuity Company 10777 Northwest Freeway Houston, Texas 77092

Optional Benefits/Riders Choose to make some or all of these optional benefits/riders available to employees to further enhance their coverage.

Other Specified Illnesses

Cancer-Only

Classic

Preferred

Bone Marrow/Stem Cell Transplant*

100%

Infectious Diseases Benefit - 25%

Childhood Conditions Benefit - 25%

Cerebrospinal Meningitis, Malaria, Encephalitis, Legionnaire’s Disease, Necrotizing Fasciitis, Osteomyelitis, Tuberculosis

Cleft Lip, Cleft Lip Palate, Cerebral Palsy, Cystic Fibrosis, Down Syndrome, Spina Bifida, Type 1 Diabetes

Pays a $50 benefit when an insured receives a covered screening. Up to 1 per calendar year per insured.

Well-Being Benefit

*Not available in ID.

Act Now to Offer Your Employees Critical Illness Coverage Advantages to employees signing up through their employer include: • Simplified Enrollment: A brief enrollment form or online enrollment can be completed in the workplace.

• Affordable Premiums: Coverage is available at affordable group rates. • Ease of Payment: Simple payroll-deduction premium payments.

Benefits and riders may vary by state and may not be available in all states. This is not a complete disclosure of plan qualifications and limitations. To access the complete disclosure list for the Advantage Series Critical Illness product, visit at Disclosure.ManhattanLife.com. Please review this information before applying for coverage. The amount of benefits provided depend on the plan selected. Premiums will vary according to the selection made. THIS POLICY PROVIDES LIMITED BENEFITS. Policy: M-8021 Well-Being Benefit: M-1775 Offer your employees added security and peace of mind with Worksite Advantage Insurance. ManhattanLife knows the key to long term success is service - to our producers, to employers like you, and most importantly, to our ultimate customers - your employees . For more information regarding rates and how to apply, visit the Agent Resource Center or email marketingmail@manhattanlife.com.

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