Agent Guide | Dental, Vision & Hearing
ManhattanLife Insurance and Annuity Company
General Provisions: Plan Highlights Plan Definition: DVH: The policy form is a Limited Dental, Vision & Hearing product. DVH Select: The policy form is a Limited Dental, Vision & Hearing product. The product has the Vision and Hearing benefits filed as Riders. Issue Ages and Premium Ages: In computing premiums, the Company uses “Age of Last Birthday”. DVH: 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. DVH Select: The two parent family premium is based on the older age for bank draft sales. No adult over age 99 is eligible for coverage. All States: • DVH: Individual (age 18 – 85) • DVH Select: Individual (age 18 – 99) • Child (rate is for 3 – 17) • Dependents under age 3 not eligible • Child only policies not accepted • Increases in benefit amounts are processed by PHS • Decreases allowed at any time • Dependent eligibility is based on the provisions in the policy print for the state applied Guaranteed Renewability Guaranteed Renewable for the life of the policy. Subject to the Company’s right to change premiums (may vary by state). Policy Year Max Benefit Available: $1,000, $1,500 or $3,000 or $5,000 (some states) (See Product Availability Grid for specifics) Policy Year Deductible Options: Applies to all service DVH: $100 DVH Select: $0 and $100 Plan Availability: Individual | Individual + Spouse | Individual + Child(ren) | Family
AGT-DVH_1125
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