Medicare Supplement

Products that Provide Security, Predictability and Peace of Mind

To deliver more benefits and more value during retirement, ManhattanLife offers a variety of insurance and financial products that help meet the unique needs of Seniors.

Our Medicare Supplement insurance plans are flexible, affordable and help keep out-of-pocket expenses not covered by Original Medicare to a minimum. Premium discounts are available for household residents who are insured under the same carrier and policyholders have the freedom of seeing any Medicare contracted physician at any Medicare contracted facility of their choice.

Other ManhattanLife products that are a complement to Medicare Supplement and deliver even greater coverage, protection and return on investment include our Dental, Vision & Hearing (DVH) insurance and our range of tax-deferred annuity products.  

More Benefits and More Value for Seniors

Dental, Vision & Hearing (DVH)
Our DVH insurance is designed to meet as many needs outside of standard medical insurance as possible. It provides coverage at the dentist as well as vision and hearing benefits for things like contact lenses, hearing aids, eye exams and more. Policyholders can select an annual benefit of $1,000, $1,500 or $3000 and the annual deductible is just $100 per person.

• Policyholders choose their healthcare provider
• Simple application – no health questions
• Low premiums and guaranteed renewable for life
• Save with family rates
• Guaranteed issue ages 18-85

Annuities for Tax Deferred Accumulation or Guaranteed Income for Life
ManhattanLife annuities provide flexibility, liquidity and competitive returns. There are no set-up fees or administrative expenses. Plus, our annuities allow penalty-free partial surrenders up to 15% each calendar year, 50% more than the industry average. Contract holders may choose from a range of tax-deferred, single premium Multi-Year Guarantee Annuities (MYGA) and Single Premium Immediate Annuities (SPIA).

And recently we’ve introduced two new Fixed Index Annuities (FIAs) — the Western United Life New Horizon and Western United Life New Horizon Plus. These plans offer upside potential and downside protection and give Seniors the opportunity to earn income based on the performance of the S&P 500^®. With our FIAs, contract owners can count on:

• Balance of protection and growth
• Tax-deferred growth
• Flexibility - choose what portion of funds will grow at a fixed rate and what portion will grow based on the S&P 500^®
• More opportunity for growth than with a traditional fixed annuity
• Available with either a 7- or 10-year surrender charge period
• Surrender charge waivers upon death of annuitant, if annuitant is confined to a nursing home or diagnosed with a terminal illness

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Annuities

Our annuities provide customers flexibility, liquidity and competitive returns. There are no set up fees or administrative expenses. Choose from a range of individual, deferred, single premium Multi-Year Guarantee Annuities, Fixed-Index Annuities and Single Premium Immediate Annuities.

Individual (Worksite) Life & Health

While our supplemental policies provide additional insurance to help pay out-of-pocket expenses, they also help with nonmedical costs like lost wages or missed mortgage payments. They provide a safety net and the benefits are paid directly to the policyholder. Products can be sold via the workplace or individually. Note: Disability is sold only via workplace.

Voluntary Benefits

Designed for employer groups, our voluntary products provide financial security, preferred underwriting and pricing for employees, and competitive compensation for our distribution partners. We help employers by offering a customized program that integrates with any employee benefits package.

Employer Stop-Loss

Manhattan Life's MGU Program Manager WesternSkies offers individualized stop-loss coverage to self-insured employers looking for protection from catastrophic medical and pharmacy claims. In addition to underwriting coverage, we focus on employer-customized solutions utilizing advanced risk assessment, cost containment and pharmacy benefit management tools, and provide producers and employers with responsive, timely claims service.

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