Products at a Glance Building Your Benefits Tool Box
Underwritten by: ManhattanLife Insurance and Annuity Company, Manhattan Life Insurance Company, Standard Life and Casualty Insurance Company, Western United Life Insurance Company
PAAG-BR 0525
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TABLE OF CONTENTS § Why Choose ManhattanLife § Individual Worksite Series § Prestige Series Voluntary Benefits § Advantage Series § Annuities § Lighthouse Series
For Agents Use Only.
ManhattanLife is a reliable, independent insurance company rigorously focused on providing policyholders with the life affirmations of health, wealth and security. Standing by you. Since 1850 . ™ ManhattanLife is committed to growth in both individual and group/worksite marketing areas. Utilizing the latest technology to further improve the sales, underwriting, billing and customer service combined with our strong personalized customer attention has only enhanced our well-earned reputation as the “Old Reliable.” Why Choose ManhattanLife Products? ...................................................................................................................................... ManhattanLife’s strategy is to offer sound products that meet the sophisticated demands of today’s policyholder. We are committed to a high ethical standard of service to both our policyholders and agents. Looking forward we will continue to provide a broad product portfolio that includes innovative product features, designed to meet the changing needs of our clients in a diverse marketplace.
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MANHATTANLIFE | PRODUCTS AT A GLANCE
Individual Worksite Series Individual and Small Group Solutions
• Helps pay out-of-pocket expenses. • 24-hour on or off-the-job only. • Guaranteed renewable to age 70.
Accident Personal Accident Indemnity Delivery
• Inpatient and Outpatient Benefits. • Doctors Office, Hospital Admission, Surgery and ER/Urgent Care Benefits. • $5 million lifetime benefit maximum. • Pays daily hospital confinement, surgical, radiation/chemotherapy and other benefits. • Pays a first occurrence benefit (FOB) when first diagnosed. • Covers dread disease, prescribed drugs and medicines and physician’s attendance. • Choose from two plans. • Covers Heart Attack, Major Burns, Paralysis, stroke, cancer, Organ Transplant, End Stage Renal, Coma, Bypass Surgery. • Benefits are First Occurrence, Monthly Income, Recurrence benefit, Hospital Confinement, Ambulance, Transportation, Lodging, Waver Premium.
Affordable Choice
Cancer Care Plus
Critical Illness with and without cancer
• Choose a dentist - No Networks. • $1,000 - $5,000 policy year benefit options. • Guaranteed renewable for life.
Dental, Vision and Hearing
• Pays directly to insured. • Choice of benefits and premiums. • Pays in addition to all other insurance and workers’ compensation.
Out-of-Pocket Protection
• Guaranteed Issue if participation requirements are met. • Choose from different elimination periods and benefit duration (Accident Only or Accident and Sickness). • Pays in addition to any other benefits.
Short-Term Disability
See Policy and/or Outline of Coverage for state-specific details.
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MANHATTANLIFE | PRODUCTS AT A GLANCE
Prestige Series Voluntary Benefits
• Guaranteed issue — no health questions. • Pays all eligible expenses for accidents, as well as additional benefits up to the member’s total maximum benefit amount. • No calendar-year maximums and multiple claims can be filed each year. • Benefits payable are driven by first diagnosis (not by treatment received), in addition to any other in-force coverage, including medical. • Three categories of benefits available, allowing for the lump sum benefit to be paid three times (four with Benefit Recurrence). • Employees select plans that fit their family’s financial needs, with benefit values ranging from $5,000 to 50,000. • Pays in addition to any other disability coverage. • Benefit available up to 60% of monthly income. • Benefit set at time of application and does not change based on income. • Multiple tiered program combines Hospital Indemnity, Accident Critical Illness/ Cancer, and Well-Benefit benefit into one policy. • Benefits may be crafted to meet specific employer group needs. • Combined plans simplify offering to employees. • Pays employees a lump-sum cash benefit when they’re hospitalized, in addition to existing coverage, including medical plans. • Basic coverage includes a hospital daily benefit and waiver of premium, includes family coverage for spouses and children. • Program can be customized to meet specific employer group needs, with over 16 riders from which to choose.
Accident
Critical Illness and Cancer
Disability Income Plus
HI+Plus
Hospital Indemnity
• 10 Year and 20 Year term periods available. • Premiums are guaranteed for the selected period. • Guaranteed renewable at the end of the term period, up to age 80.
Term Life
• Includes a health screen benefit and a cash reward program for positive lifestyle changes. • Payout for up to 21 health screens (once per year). • Includes an additional cash payout if diagnosed with one of six chronic conditions and insured joins a covered improvement program, third payout for completing 90 days of improvement program. • Guaranteed cash value with NO penalty for early distribution or payout. • Cash value increases at a consistent rate that never changes and is not tied to the CPI. • Accelerated benefits for terminal illness and facility care.
Well-Benefit Benefit
Whole Life
See Policy and/or Outline of Coverage for state-specific details.
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MANHATTANLIFE | PRODUCTS AT A GLANCE
Advantage Series Group Solutions for the Small to Medium Sized Business
• Guaranteed Issue coverage. • No health questions or medical exams. • Employee and Family coverage available. • HSA compatible. • Portable while the master contract is in effect.
Accident
• Guaranteed Issue coverage options. • Lump-sum benefit directly to employees.
Critical Illness
• HSA compatibility available. • Optional Recurrence Benefit.
• Guaranteed Issue coverage options. • Benefits are paid directly to employees in addition to any other insurance coverage. • Flexible plan designs. • 24-hour and Off-the-Job coverage options. • Flexible benefit payment options. • Supplement Long-Term Disability coverage or offer as a stand-alone benefit.
Hospital Indemnity
Short-Term Disability
See Policy and/or Outline of Coverage for state-specific details.
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MANHATTANLIFE | PRODUCTS AT A GLANCE
Annuities Individual, Single Premium, Fixed, Deferred
• Penalty-Free Partial Surrenders (withdrawals): Beginning 1st Calendar Year 5, 6, and 7 Year – 15% of the Annuity Value; 3 Year - Accumulated Interest or RMD Only. • Multiple Withdrawals Allowed: Up to 12 (systematics) per Calendar Year. • Surrender Charges Waived at Death of the Annuitant. • Penalty-Free Partial Surrenders (withdrawals): Beginning 1st Calendar Year 15% of the Annuity Value; Surrender Charges Waived at Death of the Annuitant. • Multiple Withdrawals Allowed: Up to 12 (systematics) per Calendar Year. • Guaranteed Return of Premium – Return of the initial single premium paid, minus any partial surrenders taken. • Penalty-Free Partial Surrenders (withdrawals): Beginning 2nd Contract Year, Accumulated Interest Earned in the Same Contract Year or RMD Pertaining to this Contract. • Higher Crediting Rates due to the Market Value Adjustment feature with High and Low Band Rate differences. • Waiver of Surrender Charges: The Beneficiary will receive the Greater of the Cash Surrender Value or Return of Premium Minus any Withdrawals. • Penalty-Free Partial Surrenders (withdrawals): Beginning 1st Calendar Year 5, 6, and 7 Year – 15% of the Annuity Value; 3 Year - Accumulated Interest or RMD Only. • Multiple Withdrawals Allowed: Up to 12 (systematics) per Calendar Year. • Surrender Charges Waived at Death of the Annuitant. • Penalty-Free Partial Surrenders (withdrawals): Beginning 1st Calendar Year 15% of the Annuity Value; Surrender Charges Waived at Death of the Annuitant. • Multiple Withdrawals Allowed: Up to 12 (systematics) per Calendar Year. • Guaranteed Return of Premium – Return of the initial single premium paid, minus any partial surrenders taken.
DISCOVERY 3, 5, 6, & 7 Multi-Year Guarantees
FUTURE SELECT 5 & 7 Multi-Year Guarantees
MAX CHOICE 3, 5, 6, 7, & 10 Multi-Year Guarantees
PREFERRED CHOICE 3, 5, 6, & 7 Multi-Year Guarantees
PREMIUM PREFERRED 5 & 7 Multi-Year Guarantees
See Policy and/or Outline of Coverage for state-specific details.
For Agents Use Only.
MANHATTANLIFE | PRODUCTS AT A GLANCE
Lighthouse Series Product Solutions Designed With the Senior Market in Mind
• Choose benefit level from $5k to $75k for either plan. • Simplified Issue Ages 20-84. • Pays directly to policyholder. • Flexibility to purchase Cancer or Heart Attack/Stroke or both.
Cancer and/or Heart Attack/Stroke
• Flexibility (Able to pair Dental with Vision and/or Hearing or just Dental). • $1,000- $5,000 policy year benefit options. • Choose your own dentist; Network and Out-of-Network options both available. • Available to age 99. • Whole life policy that provides up to $50,000 in face value. • Simplified Issue Ages 0-85. • Premium Rates are guaranteed and will never increase. • All plans build cash value. • Benefits are income tax free. • Accidental Death Benefit Rider also available. • 3 different base benefit options (Classic, Premier & Deluxe). • Aide benefit up to $120 a day. • Prescription Drug benefit with a policy year maximum up to $600. • Guaranteed renewable.
Dental, Vision, and/or Hearing Select
Final Expense
Home Health Care Select
• Benefits available immediately • Rates DO NOT increase as you age. • Available for ages 18-89 • Guaranteed Renewable for life
Hospital Indemnity Select
• Simplified Issue Ages 45-89. • Facility Care Daily Benefit from $50 - $400.
• Various Elimination Periods. • Prescription Drug Benefit. • Bed Reservation Benefit. • Optional Riders Available.
Short-Term Care
See Policy and/or Outline of Coverage for state-specific details.
For Agents Use Only.
Thank you for considering ManhattanLife. Learn more about how ManhattanLife and our industry-leading, decision-support tools can help you provide cost-effective plans to help protect your employees. Contact your ManhattanLife representative today. 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 our 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.
For Agents Use Only.
For Agents Use Only.
Underwritten by: ManhattanLife Insurance and Annuity Company, Manhattan Life Insurance Company, Standard Life and Casualty Insurance Company, Western United Life Insurance Company Administrative Office: 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-669-9030
For Agents Use Only.
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