INSURANCE HUB
Cancer Care Plus
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Cancer Care Plus Summary
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Type: Cancer and Dread Disease Insurance Policy
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Underwriters: ManhattanLife Insurance and Annuity Company, The Manhattan Life Insurance Company, Family Life Insurance Company
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Key Statistics:
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1 in 2 men and 1 in 3 women risk developing cancer.
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1.8 million new cases projected annually.
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Benefits:
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Covers treatment costs (radiation, chemotherapy, surgery).
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Additional support for travel, lodging, and living expenses.
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Optional riders for critical care and heart disease.
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Issue Ages: 18-69.
CUSTOMER SERVICE
800-879-6542
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Cover Page
Overview
Benefit Options
Care Facility Benefits
Transportation Benefits
Surgical Benefits
Other Benefits
8. Basic Disclosure
Personal Accident Indemnity (PAID)
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Accident Only Insurance Policy Summary
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Provider: Underwritten by ManhattanLife Insurance and Annuity Company.
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Coverage: Accident-only insurance with benefits for urgent care, hospital confinement, rehabilitation, and various injuries.
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Eligibility: Ages 18-84; guaranteed renewable for life.
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Benefits: Includes accidental death, emergency dental, transportation, and physical therapy.
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Options: 24-hour or off-the-job coverage.
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Wellness Rider: Optional annual benefit for preventive exams.
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Premiums: Vary based on coverage type and family size.
For detailed benefits and limitations, refer to the policy document.
CUSTOMER SERVICE
800-879-6542
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Provider
Coverage
3. Plan Highlights
4. Benefits Description
5. Benefits Desc (cont)
6. Benefits Desc (cont)
7. Plan Prices
8. Basic Disclosure
Cancer First Occurrence
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Cancer First Occurrence Summary
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Type: Cancer and Dread Disease Insurance Policy
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Underwriters: ManhattanLife Insurance and Annuity Company, The Manhattan Life Insurance Company, Family Life Insurance Company
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Key Statistics:
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1 in 2 men and 1 in 3 women risk developing cancer.
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1.8 million new cases projected annually.
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Benefits:
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Covers treatment costs (radiation, chemotherapy, surgery).
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Additional support for travel, lodging, and living expenses.
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Optional riders for critical care and heart disease.
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Issue Ages: 18-69.
CUSTOMER SERVICE
800-879-6542
PAGE MENU
Cover Page
Overview
Benefit Options
Care Facility Benefits
Transportation Benefits
Surgical Benefits
Other Benefits
8. Basic Disclosure
Cancer, Heart Attack & Stroke
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ManhattanLife Cancer and Heart & Stroke Insurance Policy Summary
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Underwriters: ManhattanLife Insurance and Annuity Company, Standard Life and Casualty Insurance Company, The Manhattan Life Insurance Company.
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Target Market: Seniors, offering tailored health and financial security solutions.
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Coverage: Cancer, Heart Attack, Stroke, and related treatments.
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Benefits: Direct payments to insured for various costs (e.g., childcare, transportation).
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Claims Examples: Illustrate potential payouts based on diagnoses.
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Rates: Vary by age and coverage amount; detailed rate tables provided.
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Important Note: Review policy provisions carefully for qualifications and limitations.
CUSTOMER SERVICE
800-879-6542
PAGE MENU
Cover Page
Overview
Illness Statistics
Benefits Highlights
Claims Examples
Cancer Plan Prices
Heart & Stroke Prices
8. Basic Disclosure
Dental, Vision, Hearing Select
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Limited Benefit Insurance Policy Summary
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Coverage: Dental, Vision, and Hearing expenses.
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Benefits:
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Policy year maximums: $1,000, $1,500, $3,000, or $5,000.
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No waiting periods for dental services (except orthodontia).
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Guaranteed issue and renewable for life.
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Eligibility: Individuals aged 18-99; family rates available.
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Deductibles: $0 or $100 (not applicable to preventive services).
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Network: Access to Careington Maximum Care PPO Dental Network for discounts.
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Additional Info: Basic Medicare does not cover these expenses.
CUSTOMER SERVICE
800-879-6542
PAGE MENU
Cover Page
Overview
Plan Benefits
Careington Network
How Your Benefits Work
Plan Prices
Vision & Hearing Riders
8. Basic Disclosure
Dental, Vision & Hearing
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Dental, Vision, and Hearing Insurance Summary
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Eligibility: Ages 18-85
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Benefits: Choose from $1,000 to $5,000 policy year maximum
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Coverage:
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Dental: Preventive, Basic, and Major Services
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Vision: Eye exams, glasses, and contacts
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Hearing: Exams and hearing aids
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Premiums: Vary by age and coverage level
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Network: Access to Careington Dental Network optional
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Renewal: Guaranteed renewable for life (premium changes possible)
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Contact: ManhattanLife Insurance, 800-669-9030
CUSTOMER SERVICE
800-879-6542
Affordable Choice (Hospital)
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Summary of Affordable Choice Insurance Policy
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Type: Hospital Confinement and Fixed Indemnity Insurance
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Underwriter: ManhattanLife Insurance and Annuity Company
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Key Benefits:
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No deductibles or coinsurance
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Daily hospital admission and cancer benefits
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First dollar doctor visits and prescription benefits
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Age Range: 18-64
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Monthly Premiums: Vary by age and plan type
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Limitations: Not comprehensive health insurance; does not meet ACA requirements.
CUSTOMER SERVICE
800-879-6542
PAGE MENU
1. Cover Page
2. Overview
Benefits Description
Plan Comparison
Plan Prices
Low Cost Services
Discounts & Savings
Basic Disclosure
Hospital Indemnity Select
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ManhattanLife Lighthouse Series: Hospital Indemnity Select
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Type: Hospital Indemnity Insurance Policy
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Underwriter: ManhattanLife Insurance and Annuity Company
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Key Features:
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Immediate benefits, competitive rates, and guaranteed renewability.
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Available for ages 18-89 (specific age limits in CA).
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Covers out-of-pocket expenses for high deductible plans.
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Benefits:
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Daily hospital confinement payments, mental health coverage, ambulance benefits, and skilled nursing facility support.
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Claim Examples: Illustrates financial support for out-of-pocket costs during hospital stays.
For full details, refer to the policy provisions.
CUSTOMER SERVICE
800-879-6542
PAGE MENU
Cover Page
Overview
Plan Benefits
Benefit Highlights
Highlights Continued
Claim Example 1
Claim Example 2
Basic Disclosure
Out-of-Pocket (Gap)
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Hospital Confinement Protection Insurance Policy Summary
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Underwritten by: ManhattanLife Insurance and Annuity Company
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Purpose: Provides financial protection against out-of-pocket medical costs.
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Key Features:
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Direct payments to insured (unless assigned to providers)
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No deductibles or networks
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Covers complications of pregnancy (not pregnancy itself)
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Benefits for inpatient confinement, outpatient surgery, and emergency accidents
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Renewal: Conditionally renewable until age 69 (65 in CA)
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Note: This policy is a supplement to health insurance, not a substitute for major medical coverage.
CUSTOMER SERVICE
800-879-6542
Short Term Care
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OmniFlex™ Short-Term Care Insurance Summary
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Provider: ManhattanLife Insurance and Annuity Company & Standard Life and Casualty Insurance Company.
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Product: OmniFlex™ Short-Term Care Insurance (STCi).
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Key Features:
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Simplified underwriting and affordability.
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Coverage for nursing homes, assisted living, hospice, and home health care.
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Optional benefits: Home Health Care Rider, Hospital Indemnity Benefit, and Simple Inflation Benefit.
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Cost of Care: Rising costs; average semi-private room at $111,325 annually.
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Eligibility: Available for ages 45-89, with a 10% spousal discount.
CUSTOMER SERVICE
800-879-6542
Whole Life Final Expense
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Final Expense Insurance Policy Summary
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Provider: Standard Life and Casualty Insurance Company
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Coverage: Up to $50,000 in immediate death benefit Whole Life policy
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Key Features:
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Guaranteed rates and cash values
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No waiting period for full coverage
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Builds cash value, income-tax free benefits
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Available Accidental Death Benefit Rider
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Issue Ages: 0 - 85
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Purpose: Protect loved ones from financial burdens like medical debt, funeral costs, and outstanding loans.
CUSTOMER SERVICE
800-879-6542
Critical Protection & Recovery
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Critical Illness Insurance Policy Summary
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Provider: Underwritten by ManhattanLife Insurance and Annuity Company and The Manhattan Life Insurance Company.
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Coverage: Protects against critical illnesses such as heart attack, stroke, and organ transplant.
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Benefits:
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First Occurrence Benefit: Up to $20,000 based on plan.
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Monthly Income Benefit: 10% of FOB for 12 months.
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Recurrence Benefit: 50% of FOB after 365 days.
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Additional Benefits: Hospital confinement, ambulance, transportation, lodging, and waiver of premium for total disability.
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Availability: Not available in all states.
CUSTOMER SERVICE
800-879-6542
Home Health Care Select
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Home Health Care Select Insurance Summary
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Underwriters: Standard Life and Casualty Insurance Company & ManhattanLife Insurance and Annuity Company.
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Coverage: Daily benefits range from $150 to $450 for home health services, with a maximum benefit period of 365 days.
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Eligibility: Available for ages 45-89, guaranteed renewable for life.
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Additional Benefits: Prescription drug coverage, home medical equipment, and various riders for accidental death, ambulance services, and physical exams.
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Customer Service: Focus on competitive products and personal service.
CUSTOMER SERVICE
800-879-6542
Term Life Insurance
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Summary of Term Life Insurance Policies
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Term Life Insurance: Provides coverage for a set period (10-30 years) with cash payout to beneficiaries if the insured passes away during the term.
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Ideal for: Individuals needing to replace lost income, cover debts, or seeking affordable temporary coverage.
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Differences: Term insurance expires after the term; whole life lasts a lifetime and may accrue cash value.
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Ethos Benefits:
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Broad eligibility for applicants aged 20-85.
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Fast, online application process with no medical exams.
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Claims paid tax-free to beneficiaries.
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CUSTOMER SERVICE
415-915-0665
