Agent Guide | Home Health Care Select
Policy Issue Guidelines The policy issued is specific to the state of residence. The applicant’s state of residence controls the application, forms, premium, and policy issued. If an applicant has more than one residence, the state where the federal income taxes are filed should be considered the state of residence. Multiple Policies An individual can only have one ManhattanLife, or Standard Life and Casualty, Home Health Care Select Insurance policy in place at any given time. Replacements A replacement takes place when an applicant wishes to exchange an existing ManhattanLife Home Health Care Select policy for either another MAC, Western United Life, Family Life, ManhattanLife Insurance and Annuity, or Standard Life and Casualty Home Health Care Select policy of lesser or greater value, or a policy with an external company. Internal and external replacements are processed in the same manner, and both require a newly completed application with full underwriting. An applicant that wishes to be reconsidered for the spousal discount will be handled as an internal replacement. For internal replacements, we will use the same underwriting criteria. However, we will also use our claims database to assist in determining the risk of an applicant. Situations Requiring a New Application A new application is required if white-out or liquid paper has been used on the application, or a change was made to the application and not initialed by the applicant. If the incorrect state-approved application was submitted. Only the most recent state-approved application will be accepted. If the status of the available application is in question, please call Sales & Marketing to confirm the application form number. Application Status For your convenience, you may access https://producer.manhattanlife.com/life/account/ login.aspx?AsAgent at any time to verify the processing status of a submitted application.
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