Viva Life Series Helping protect you and your family.
Underwritten by Family Life Insurance Company
VLSC-BR 0124
Viva Life Series Overview
Providing protection for you and your family
DID YOU KNOW? Medical expenses are one of the largest causes of bankruptcies in the United States¹ even for people who have major medical insurance. Is your health insurance coverage enough to cover treatment costs? THAT’S RIGHT! According to the American Cancer Society, as much as 60% of the cost associated with the treatment of cancer is considered “non-medical” and not covered by traditional health insurance. This includes deductibles, co-insurance, experimental treatments, travel to a treatment center, and the list goes on and on. The out-of- pocket expenses can literally be thousands of dollars. WHAT IS THE VIVA LIFE SERIES? Whether your need is family protection or mortgage protection, Life Insurance from ManhattanLife can provide coverage for your entire family, including children, all in the same policy. We offer three (3) different options for Term Life coverage and one (1) option for Whole Life Coverage through the VivaLife Series, each tailored to the different phases of life. HERE ARE THE FACTS: • Life insurance provides financial protection for your family’s future, covering expenses such as medical bills, funeral costs, debts, mortgage payments, and tuition. • Life insurance replaces income for your family in the event of your death, ensuring their financial stability and preventing immediate hardship. • Some types of life insurance accumulate cash value over time, offering access to funds for temporary financial needs or unexpected expenses. • Life insurance brings peace of mind by providing financial stability during difficult times, such as covering funeral costs and immediate expenses.
Why the Viva Series?
The Viva series offers a diverse range of Life Insurance options, including three term life choices and one comprehensive whole life offering. These insurance products are thoughtfully designed to provide essential financial security in the unfortunate event of losing a beloved family member.
Overview of Viva Plans Term Life Plans
VIVA LIFE PROFESSIONAL Viva Life Professional is designed for individuals who need basic life insurance coverage. No medical exam required. Answer only four health related questions to determine insurability.
VIVA LIFE FAMILY Viva Life Family provides security and coverage for all family members on the same policy.
VIVA LIVING BENEFITS Viva Living Benefits caters to individuals seeking life insurance coverage with added protection against critical illnesses such as heart attack, heart disease, and stroke.
Whole Life Plans
VIVA - LIFETIME Viva - LifeTime is a Whole Life insurance options for individuals who seek lifetime insurance protection with guaranteed premiums!
Term Life Plans Viva Life Professional This Term Life Insurance option is for individuals. This policy provides level term life insurance for 20 years (15 years for ages 56-60) based on the plan selected.
Plan Insurance Benefit Options $25,000 $50,000
$100,000 $150,000 $200,000 $250,000
No medical exam required Answer only four health related questions to determine insurability.
Optional Rider Benefit ACCIDENTAL DEATH BENEFIT: • Doubles the death benefit if the insured or additional insured’s death is a result of accidental bodily injury.
PLAN HIGHLIGHTS: • Simplified Issue Term Life Insurance • Conversion option to a permanent insurance plan without evidence of insurability.
• Easy Online Application • Renewable to Age 95
Term Life Plans
Viva Life Family Term Life Insurance for Multiple Individuals within a Family. The policy provides level term life insurance for 20 years (15 years for ages 56-60) based on the plan selected.
Optional Rider Benefit SPOUSE/ADDITIONAL INSURED: • Provides term life insurance for your spouse or additional insured. ACCIDENTAL DEATH BENEFIT: • Doubles the death benefit if the insured or additional insured’s death is a result of accidental bodily injury.
Plan Insurance Benefit Options $25,000 $50,000
$100,000 $150,000 $200,000 $250,000
Accidental Death Monthly Premium
AGE
$25,000 $50,000 $100,000 $150,000 $200,000 $250,000
0-49
$2.25
$4.50
$9.00
$13.50 $18.00 $22.50
50-60
$2.70
$5.40
$10.80 $16.20 $21.60 $27.00
CHILDREN’S TERM INSURANCE: • Provides $10,000 of Term Life Insurance for each child in your family, no matter how many children. Stepchildren and legally adopted children living in the same household can also be covered.
Children’s Term Insurance Monthly Premium
BENEFIT AMOUNT
AGES 0-17
$10,000
$6.48
Term Life Plans
Viva Living Benefits Term Life Insurance Option that offers a First Occurence Critical Illness Benefit. This policy offers a combination of 20-year term life insurance (15 years for ages 56-60) and a first-occurrence critical illness benefit covering the following conditions: • LIFE THREATENING CANCER • HEART ATTACK • PARALYSIS • MAJOR ORGAN TRANSPLANT • STROKE • RENAL FAILURE Plan Insurance Benefit Options $50,000 Total Coverage (*$25,000 Critical Illness Benefit / Remaining $25,000 for Term Life ) $100,000 Total Coverage (*$50,000 Critical Illness Benefit / Remaining $50,000 for Term Life ) $150,000 Total Coverage (*$37,500 Critical Illness Benefit / Remaining $112,500 for Term Life ) $200,000 Total Coverage (*$50,000 Critical Illness Benefit / Remaining $150,000 for Term Life )
No medical exam required Answer only four health related questions to determine insurability.
Whole Life Plans
Viva - LifeTime Whole Life Insurance Option for Individuals. Viva LifeTime provides permanent life insurance protection with guaranteed premiums, guaranteed cash values and LifeTime coverage, if you pay your premium when due. Family comes first with Viva Life — because your family’s future financial security matters.
PLAN HIGHLIGHTS: • Guaranteed Level Premium • Guaranteed Cash Values Accumulate Tax Deferred • LifeTime Coverage • 7 Plans Available for Adults (Ages 18-65) • 6 Plans Available for Juveniles (Ages 0-17) • Easy Online Application
Multiple Payment Options • LifeTime - pay level premiums for life
• 20-pay - pay level premiums for 20 years and remains in-force for life • Paid up at 65 - pay level premium until age 65 and then the policy is paid in full and remains in-force for life.
Adult Plan Benefit Options (Ages 18-65)
Juvenile Plan Benefit Options (Ages 0-17)
$20,000 $25,000 $30,000 $40,000 $50,000 $75,000 $100,000
$20,000 $25,000 $30,000 $40,000 $50,000
Underwritten by: Family Life Insurance Company 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-669-9030
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. Please access our website to obtain a completed list for the Viva Living Benefits products at disclosure.manhattanlife.com . Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. POLICY FORM NUMBERS: FGAP02, FGAP29-OK, FWL13, (Including state variations) RIDER FORM NUMBERS: CIABR-02, FGAIR01, FGAIR29OK, CIABR-4LA, FGADR01, FGADR12LA, FGADR29OK, FGSAD01, FGSAD12LA, FGSAD29OK, FGCIB01, FGCIB29OK (Including state variations) SUICIDE EXCLUSION Suicide of the Insured, whether sane or insane, within two years* of the Date of Issue or the date of any reinstatement is not covered. In such event, we will refund all premiums paid on the policy. *Varies by state. Family Life Insurance Company is a member of Manhattan Insurance Group located in Houston, Texas. Family Life offers Viva Life to help provide a secure financial future to family members in the event of a premature death of a parent, spouse or family member. Manhattan Insurance Group is recognized in the industry for our commitment in providing quality products, personal customer service, and financial soundness. This brochure only provides a brief description of the important features of your policy. Only the actual policy provisions will control; therefore, it is important that you READ YOUR POLICY CAREFULLY.
This brochure only provides a brief description of the important features of your policy. Only the actual policy provisions will control; therefore, it is important that you READ YOUR POLICY CAREFULLY.
SOURCE INFORMATION 1 American Cancer Society, 2013 Facts and Figures 2 Heart Disease and Stroke Statistics-At-a-Glance, 2015 update: American Heart Association.
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