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Manhattan Life

The Manhattan Life Insurance Company, an early pioneer in the life insurance industry. We issued the first ever group life insurance contract and issued one of the first life policies to a woman.

Our rich history has helped shape us into the company we are today – one of excellence and industry-leading innovation. We recognize the diverse needs of our clients and believe in meeting those needs with integrity and passion.

Products Offering

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Accident Insurance

Personal Accident Indemnity Delivery

People call them accidents for a reason; they are unplanned and can happen to anyone at the most inopportune times.

When an accident affects your livelihood or that of a family member, having a plan for the unexpected can be invaluable. Our Personal Accident Indemnity Delivery product (PAID) can provide you with a vital piece of that plan. The PAID plan helps you pay for out-of-pocket expenses and provides benefits to you or your family for many of the accidents that can happen without warning.

Manhattan Life | Medicare Supplements

Medicare Supplemental

All Medicare Supplement plans are required to provide basic supplemental benefits for hospitalization and medical expenses with separate additional benefits, specific to each plan.

All plans are required to provide these basic benefits:

  • Medicare Part A hospital coinsurance
  • Medicare Part A supplemental hospital care (additional 365 days after Medicare benefits end)
  • Medicare Part A coinsurance for hospice care
  • Medicare Part B coinsurance for hospital outpatient services (generally 20% of Medicare-approved costs)
  • First 3 pints of blood each year

Pick A Plan

Cancer Insurance

Why Cancer Insurance?

According to the American Cancer Society:

  • In the United States, men have about a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.*
  • It is projected that on an annual basis over 1.6 million new cancer cases will be diagnosed.

As advances in cancer treatment continue, more and more people will survive:

  • Approximately 13.7 million Americans with a history of cancer were alive in 2009.
  • The five-year relative survival rate for all cancers diagnosed between 2003 – 2007 is 68%, up from 49% in 1975-1977.
  • The National Institutes of Health estimated the overall costs for cancer in the year 2009 at $216.6 billion.

Although health insurance can help offset the costs of cancer treatment, you still may have to cover deductibles and copayments on your own.

Dental, Vision, & Hearing

The Importance of Dental, Vision & Hearing Insurance

  • Quality of Life
  • Unforeseen situations that are painful, inconvenient and expensive
  • Basic Medicare does not cover dental, vision or hearing expenses.

Products Highlights

  • Choose your dentist – No Networks
  • Family Rates (includes a maximum of 3 children)
  • Individual 18 – 85
  • Vision benefits 1
  • Hearing benefits 2
  • $1,000 – $1,500 policy year benefit option available
  • Guaranteed Issue
  • Guaranteed renewable for life.3

1Percentage of Basic eye exam or eye refraction, including the cost of eyeglasses or contact lenses after 6 month waiting period. 2Percentage of Exam, hearing aid and necessary repairs or supplies after 12 month waiting period. 3Subject to our right to change premiums.

Hospital Indemnity

Hospital Indemnity

CentralChoice products include cost-effective supplements to fill gaps left open with other products including both qualified major medical as well as limited benefit plans.

One of two possibilities will occur for you this year; you will either be hospital confined, or you will not. It is unlikely that many of us will exceed our deductible in a year without a hospital stay. So, in most years we wind up paying our insurance premiums and most or all of the cost of our treatment. But, if and when we are hospital confined, the high cost of treatment will likely have us reach the maximum out-of-pocket threshold of any qualified major medical plan level for even a relatively short confinement.

The Importance of CentralChoice as Supplemental Coverage

Our PremierChoice and SelectChoice package designs each feature a variety of both inpatients as well as outpatient benefits, including surgery. CentralChoice benefits can be paid to any hospital or doctor and when MultiPlan providers are used additional savings through negotiated discounts may be available.

What is now referred to as “qualified plan designs” feature deductible and coinsurance exposure over $6,000 per person per year. This is above the premium cost. Many see the merit of purchasing the “qualified” Bronze plan and using the premium difference between that and more expensive designs to purchase supplemental insurance to “fill the gaps.”

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