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Manhattan Life Contracting & Appointment

The legacy began on May 29, 1850, with the formation of The Manhattan Life Insurance Company. Manhattan Life introduced the incontestable clauses in life insurance contracts before any other company. Manhattan issued the first ever group life insurance contract as well as one of the first life policies to a woman.

Western United Life Assurance Company, a member of the Manhattan Life group of companies, is a Washington-based life insurance company. Since 1963, Western United has proudly served others by providing excellent products and customer service.  

Manhattan Life Products and State Availability

These are Manhattan Life's current products and state availability for 2020, as well as information on contracting and appointment.

Dental, Hearing, Vision

View this information as a web page.

State Availability

Current as of 07/22/2020

AL AR AZ CA CO DC DE GA IA ID IL IN KS KY LA MD MI MO MS MT NC ND NE NJ NM OH OK OR PA SC SD TN TX UT VA WI WV WY

Plan Information

Current as of 06/29/2020

Issue ages 18–85.

  • Two policy options with family coverage available.
  • Choose your dentist No networks.
  • Policy year maximum: $1,000 or $1,500.
  • Waiting period: 12 months on major services.
  • Guaranteed renewable for life.

Dental Coverage:

  • Preventive services include semi-annual exams, cleaning, and x-rays.
  • No waiting period on preventive services.
  • Basic services include x-ray (other than “full mouth”), fillings, and extractions.
  • No waiting period on basic services.
  • Major services include bridges, crowns, full dentures or partials, full mouth extractions, and root canals.

Rates are tiered at individual only and family rates include a maximum of three children. Additional children beyond the maximum number are charged the age 3-17 rate per person. Not available in all states.

This is a limited benefit insurance policy for dental, vision and hearing expenses. Policy is guaranteed issue, guaranteed renewable for life in most states and is subject to company’s right to change premiums. Vision and hearing coverage are available as riders in some state(s).

Vision coverage:

  • Includes basic eye exam, eye refraction, and the cost of eyeglasses or contact lenses.
  • Waiting period is 6 months on eyeglasses and contact lenses.

Hearing coverage:

  • Includes exam, hearing aid, and necessary repairs or supplies.
  • Waiting period is 12 months on new hearing aids and existing hearing aid repairs.

Request a Product Kit for Manhattan Life Dental, Hearing, Vision

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Medicare Supplement

View this information as a web page.

State Availability

Current as of 08/04/2020

AL AR AZ CO GA IA IL IN KS KY LA MA MI MO MS MT NC ND NE NJ NM NV OH OK OR PA RI SC SD TN TX UT VA WV WY

Plan Information

Current as of 06/29/2020

Select from standardized Plan A, B, C, D, F, G, M, or N, and base policy and riders; may vary by state and by company. Plans are available pre-65 due to disability or End-Stage Renal Disease (ESRD) in some states. Household/spousal discount is available in most states; rules may vary. This policy does not contain a pre-existing condition limitation.

Additional Plan Details:

  • Immediate coverage.
  • Benefits are paid to you, your hospital or your doctor.
  • Policy is guaranteed renewable.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for Manhattan Life Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Manhattan Life Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

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