Agent Guide | Dental, Vision & Hearing
ManhattanLife Insurance and Annuity Company
• Dependent addition or removal ∘ Addition of dependents require a new application with dependents being listed in the Other Proposed Insured(s) section (original owner’s information will go in the Proposed Insured’s Information section) ∘ Removal of dependents can be requested through email, fax or mail • For additional information please contact customer service at 1-800-999-2971 Benefit Decreases • Benefit decreases can be requested at any time • Request for a decrease in benefits can be done through email, and referencing the original policy number 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. DVH: 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.
DVH Select: Please note, waiting periods start over, including deductibles.
Group Eligibility DVH:
A minimum participation of 3 eligible lives is required for group billing. Coverage may not be backdated.
Underwriting and Effective Dates Coverage is guaranteed issue. The “Effective Date” of a policy will be the policy date stated on the policy schedule page. It is not the date the application is signed. Policies will not be effective the 29, 30 or 31st of the month. Completing the Application Prior to soliciting any applications, you must be properly licensed and/or appointed by the department of insurance and the Company in the state you are soliciting applications. Use the appropriate state version of the DVH application, as well as current approved state sales material. In addition, an Outline of Coverage for this product must be left with the applicant. Complete all questions on the application.
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