ManhattanLife continues to stand by you during these difficult times.

COVID-19 has created unforeseen circumstances. Should the unexpected occur, a ManhattanLife Whole Life plan can help provide for your family's financial future.

A ManhattanLife Whole life plan provides permanent life insurance to be used as a death benefit or a living benefit.

• Guarantee Issue available.
• Coverage is individually owned.
• Unlike term life plans, whole life premiums never increase.
• Cash value accumulates at a guaranteed rate on a tax deferred basis and may be taken out for any reason.*
• Coverage can be taken into retirement years, providing a lifetime of protection.
• In the event of a layoff or furlough, the automatic premium loan feature can be utilized to pay premiums.
• Policyowners may cancel the policy and receive accumulated cash value with no surrender charge.*

What Whole Life Includes

ManhattanLife’s competitive Whole Life product offers:

• Accelerated Death Benefit for Terminal Illness pays 50% of face value upon diagnosis.
• Facility Care Acceleration Benefit pays a percentage of the death benefit while living.*
• Stand-alone policies available for spouse and children.

*Cash Value begins accruing after the policy has been in force for a minimum of 3-5 years, depending on age, benefit, and tobacco status.

**Benefit is triggered by spending 30 consecutive days in a nursing home, assisting living facility, or adult day care facility (coverage may not be available in all states and varies by state).

Additional Benefits

• Employees working fewer than 40 hours per week can qualify for benefits.
• Paid up at age 65 available **

**With a Whole Life 65 policy

Optional Riders to Increase Protection

• Loss of Work – waives the premium for authorized strikes, lockouts, layoffs, furloughs, or job eliminations.
• Waiver of Premium – Employees don’t have to pay premiums if they become totally disabled.
• Accidental Death and Dismemberment –provides up to $100,000 of coverage if cause of death is an accident. ***
• Employer Level Term to Age 65 – provides guaranteed, level coverage that remains as an additional death benefit until the employee turns 65.

***As a result of loss of sight, comas, occupational assaults, paralysis and more

Get the Facts

Even though 86 percent of consumers agree that most people need life insurance, only 60 percent of Americans report actually having life insurance.1

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 Voluntary Benefit product at Disclosure.ManhattanLife.com. Policy M-8013

“2016 Insurance Barometer Study,” LIMRA, 2016