Q: Do OmniFlex™ declines get reported to the Medical Information Bureau (MIB)? A: No, declinations for coverage are not reported to the MIB.
Q: What are the premiums based upon? A: Rates vary by state and age. Consult the state specific rate schedule for pricing details.
Q: Can my client Increase Benefits on their policy? A: Request to increase benefits will only be accepted during the policy anniversary. The insured must submit a new application to add riders, increase the daily benefit amount, or decrease the elimination period. The only exception to this rule is if changes are requested within the 30-day free look period. Q: Can my client add an inflation rider to an existing policy ? A: The inflation rider cannot be added to any existing policy. The insured must apply for a new policy and be subject to all first-year percentage and policy provisions. Q: Can my client decrease benefits on en existing policy ? A: Decreased benefit requests must be submitted in writing via email, US mail, or Fax. Riders and bene - fit amounts can be removed/decreased at any time. Once removed a new application will be required to reenroll/increase.
Q: What is the new business submission process? A: Refer to the agent guide for full directions on submitted new business with ManhattanDirect 2.0.
Q: Can my client have an existing STC policy and still apply for an OmniFlex plan? A: Yes, but they can only hold one OmniFlex policy at any given time.
Q: What type of affect does tobacco use have on the premium? A: Refer to the rate sheet for each state. Smoker to nonsmoker rate change is not allowed.
Q: What are the premiums based upon? A: Rates vary by state and age. Consult the state specific rate schedule for pricing details. Riders and benefits may vary by state and may not be available in all states. Refer to our OmniFlex Premium Exam- ples for more detail.
Q: Where can I find the medication list? A: Download OmniFlex™ Decline Medication List
Q: Where can I find the prescreen form? A: Download OmniFlex™ Health Prescreen Form ManhattanLife Underwriting Contacts: Health Prescreen: 800-672-4535 option 9, then option 2 (OmniFlex) Interview Clarification Call (PHI): 800-672-4535 option 8, then option 2 (OmniFlex)
STCUnderwriting@manhattanlife.com Hours to reach OmniFlex™ Underwriting Team:
Monday - Thursday: 8:00 a.m. to 5:00 p.m. Central Time Friday: 8:00 a.m. to 2:00 p.m. Central Time
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