Manhattan Life Contracting & Appointment

Manhattan Life is one of the country’s oldest insurance companies. The legacy began on May 29, 1850, with the formation of The Manhattan Life Insurance Company. Some of its history includes issuing the first-ever group life insurance contract as well as one of the first life policies to a woman. Later, they introduced the incontestable clauses in life insurance contracts before any other company.

Today, Manhattan Life’s organization continues to provide health and life insurance products that help policyholders achieve the life affirmations of health, wealth, and security.

ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Coverages may be underwritten by the ManhattanLife Entities which consist of The Manhattan Life Insurance Company, Family Life Insurance Company, ManhattanLife Assurance Company of America, Western United Life Assurance Company, and Standard Life and Casualty Insurance Company.

Manhattan Life Products and State Availability

These are Manhattan Life's current products and state availability for 2021, 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 10/08/2020

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

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State Availability

Current as of 11/02/2020

AL AR AZ CO DC GA IA IL IN KS KY LA MD 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 10/08/2020

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

Critical Protection & Recovery

View this information as a web page.

State Availability

Current as of 10/30/2020

AL AR AZ CA CO IA ID IL IN KS KY LA MD MN MO MS MT NC ND NE NH NM NV OH OK OR PA SC SD TN TX UT VA WA WI WV WY

Plan Information

Current as of 10/30/2020

  • Pays up to three lump sum benefits (four with the Recurrence Benefit).
  • Pays regardless of additional coverage.
  • Types of critical events covered: heart attack, stroke, coma, major third-degree burns, major human organ transplant, coronary artery bypass surgery, paralysis, end-stage renal failure and cancer.
  • All benefits paid directly to member.

Included in all 4 plans:

Ambulance Benefit

Ambulance transportation must occur within 180 days following the occurrence of the most recent Covered Specified Health Event.

Limit: Twice per occurrence of Covered Specified Health Event.

No lifetime maximum.

Transportation Benefit

Pays transportation costs when prescribed medical treatment that must be provided in a hospital or medical facility that is located outside of a 75-mile radius of the residence. This benefit is limited to $1,500 per occurrence of a Covered Specified Health Event. Must be within 180 days of Covered Specified Health Event.

No lifetime maximum.

Lodging Benefit

Actual charges incurred for the Covered Person or any one adult member of the immediate family when a covered person receives prescribed special medical treatment at a hospital or medical facility that is located outside of a 75-mile radius of the residence of the Covered Person within 180 days of Covered Specified Health Event. Not payable for lodging occurring more than 24 hours before or after special medical treatment.

No lifetime maximum.

Waiver of Premium Benefit (Does not apply in NJ)

If the Named Insured becomes Totally Disabled for 60 days as a result of a Covered Specified Health Event, ManhattanLife Assurance Company of America/The Manhattan Life Insurance Company will waive the premiums that fall due for the remainder of that person’s Total Disability. (Disability must occur prior to age 60. Premiums must continue to be paid for 60 days after the commencement of disability. Benefit does not apply to spouse and children.)

Plans vary by state.

Request a Product Kit for Manhattan Life Critical Protection & Recovery

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

Request a Kit

Out-of-Pocket Protection Plan

View this information as a web page.

State Availability

Current as of 10/30/2020

AL AR AZ CA FL GA IA IL IN KY LA MD MI MO MS MT NC ND NE NM NV OK PA SC SD TN TX WI

Plan Information

Current as of 10/30/2020

  • Pays directly to member, unless benefits assigned to provider(s).
  • Choice of benefits and premiums.
  • Pays in addition to all other insurance.
  • No deductibles.
  • No networks.

Benefits include: DAILY INPATIENT HOSPITAL CONFINEMENT BENEFIT (per hospital admission) If member is confined in a hospital as a resident inpatient. Pays the daily inpatient benefit member selects (maximum of 10 days) (in ME, TX and UT, 31 days) per hospital confinement. In FL, payable for first 20 days of confinement then $10/$20 for next 11 days – depending on benefit level selected. This benefit is not payable for the treatment of Mental/Nervous disorders and substance abuse (in UT, or substance disorder).

HOSPITAL ADMISSION BENEFIT (1 per year) (in UT, 1 per each period of confinement) If member is admitted to a hospital as a resident inpatient. Pays the Hospital Admission Benefit selected.

DOCTOR OFFICE VISIT (2 per year)

Optional Benefits:

OUTPATIENT SURGERY BENEFIT (2 per year) For surgical services rendered in an Ambulatory Surgical Center or Outpatient Hospital Facility, pays the amount selected for outpatient surgery.

EMERGENCY ACCIDENT BENEFIT (4 per year) (FL maximum 2 per year) If member sustains an injury which requires emergency care by a physician in an emergency room or urgent care facility, pays the amount per emergency treatment. The treatment must be received within 72 hours of the injury. In FL, this benefit is payable only if member is confined as an inpatient within 24 hours of emergency treatment.

Plans vary by state.

Request a Product Kit for Manhattan Life Out-of-Pocket Protection Plan

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

Request a Kit

Affordable Choice Hospital Indemnity

View this information as a web page.

State Availability

Plan Information

Current as of 03/19/2021

Some benefits include Inpatient Hospital Confinement / Building Benefit Injury Reimbursement $1,000,000 calendar year limit. Prescription Benefit $750 calendar year max. Allergy Shots & Immunizations $100 calendar year max. Hospital Admission Benefits, Emergency Room, Urgent Care, Surgery Benefit, Ambulatory Surgical Benefit, Doctor’s Office Visits with Rollover, Outpatient Medical Benefit.

Choose from four different plan options: Elite Plus, Elite, Classic Plus and Classic. Affordable Choice plans pay a set of daily benefits for covered services, regardless of what your provider charges.

  • No deductibles.
  • Hospital admission benefit for first inpatient day.
  • Cancer benefit included.
  • Discounted diagnostic imaging services.
  • Additional sponsored benefits include Teladoc and Karis360.
  • E-App available.

Plans vary by state.

Request a Product Kit for Manhattan Life Affordable Choice Hospital Indemnity

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

Request a Kit

Cancer Care Plus

View this information as a web page.

State Availability

Current as of 04/09/2021 – Plan Year 2021

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

Plan Information

Current as of 04/09/2021 – Plan Year 2021

Cancer and Specified Disease Insurance Protection with Optional Critical Care Rider Available.

4 different benefit packages available. Benefits include: Cancer Screening, First Occurrence (Rider), Daily Hospital Confinement, Surgical and Radiation, Chemotherapy and Immunotherapy Benefit.

The following defines the list of Dread Diseases covered under the Policy: Addison’s Disease • Muscular Dystrophy • Tay-Sachs Disease • Amyotrophic Lateral Sclerosis • Myasthenia Gravis • Tetanus • Diphtheria • Niemann-Pick Disease • Toxic Epidermal Necrolysis • Encephalitis • Osteomyelitis • Toxic Shock Syndrome • Epilepsy • Poliomyelitis • Tuberculosis • Legionnaire’s Disease • Reye’s Syndrome • Tularemia • Lupus Erythematosus • Rheumatic Fever • Typhoid Fever • Meningitis • Rocky Mountain Spotted Fever • Whipple’s Disease • Multiple Sclerosis • Sickle-Cell Anemia • Whooping Cough

Hospital and Other Care Facility Benefits:

Prescribed Drugs & Medication – Actual charges to a max of 20% of the Daily Hospital Confinement Benefit.

Physician’s Attendance – $50 per day.

Ambulance – $250 per trip / 3 trips per year.

Private Duty Nursing Service – $150 per day.

Extended Benefits – $1,000 per day.

Government or Charity Hospital – $200 per day.

Extended Care Facility – $100 for each day of confinement to a max of 70 days.

Hospice Care – $100 per day.

Transportation Benefits:

  • Transportation and Lodging for Bone Marrow Donors
  • Transportation for Non-Local Treatment Which Requires Hospital
  • Transportation and Lodging for Non-Local Treatment Which Does Not Require Hospital Confinement
  • Adult Companion Transportation and Lodging

Surgical Benefits – Anesthesia, Additional Surgical Opinions, Artificial Limb and Prosthesis, Outpatient Surgery Benefit, Skin Cancer, Breast Reconstruction/Breast Prothesis, Bone Marrow Transplant for Cancer.

Other Benefits include: Experimental Treatment, Physical, Occupational or Speech Therapy, Outpatient Positive Diagnosis Test, Blood and Blood Plasma, Home Health Care Services, Hairpiece Benefit, Rental or Purchase of Durable Medical Equipment, Professional Mental Health Consultation, Tutor, Mammography Benefit, Pap Smear Benefit.

Optional Riders (available at additional cost):

Intensive Care Unit Rider: Benefit for Intensive Care Unit – Pays $600 per day. Benefit for Step-Down Unit – Pays $300 per day.

Critical Care Benefit Rider: Benefit for Heart Disease – Pays actual charges to lifetime max $2,500. Benefit for Heart Attack / Stroke – Pays actual charges to lifetime max $5,000.

Plans vary by state.

Request a Product Kit for Manhattan Life Cancer Care Plus

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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Quick Links

WellCare Producer Certification Requirements for 2022

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2022

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2022

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
    • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
    • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
    • UHC allows 6 attempts to pass AHIP.
    • UHC allows 6 attempts per the prerequisite modules.
    • UHC allows 6 attempts per plan module.
    • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
    • AHIP eliminates the need for the Medicare Basics course.
    • 3 modules to complete.
    • 1 optional: CSNP/DSNP.
    • Passing score for UCH certs is 85%.
    • 2021 certifications will cover the remainder of 2020.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2022

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
    • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
    • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
    • UHC allows 6 attempts to pass AHIP.
    • UHC allows 6 attempts per the prerequisite modules.
    • UHC allows 6 attempts per plan module.
    • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
    • AHIP eliminates the need for the Medicare Basics course.
    • 3 modules to complete.
    • 1 optional: CSNP/DSNP.
    • Passing score for UCH certs is 85%.
    • 2022 certifications will cover the remainder of 2021.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2022

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Tuesday, June 29, 2021.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2022 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2022 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2022 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2022 Certs will NOT cover the remainder of 2021.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2022

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Tuesday, June 29, 2021.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2022 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2022 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2022 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2022 Certs will NOT cover the remainder of 2021.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2022

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2022 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2022

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2022 certification launch date.
  • More information coming soon!

Mutual of Omaha Producer Certification Requirements for 2022

  • Details refer to certification for Mutual of Omaha. AHIP certification must be completed separately.
  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
  • There are three components to be “Ready to Sell” Medicare Advantage (MA) for Mutual of Omaha Medicare Advantage Company (MOMAC), Medicare Advantage Insurance Company of Omaha, (MAICO) and Prescription Drug Plans (PDP) for Omaha Health Insurance Company (OHIC). All three components must be completed.
        1. Contracting
        2. AHIP Certification
        3. Product Training
  • Passing score for Mutual of Omaha product training is 85%.
  • 3 attempts.
  • Must pass AHIP and two Mutual of Omaha courses: Medicare Advantage and Prescription Drug. 
  • Training is only accessible to agents who are contracted with Mutual of Omaha for that product.
  • 2021 certs will cover the remainder of 2020.

Mutual of Omaha Certification Links, Guides, Phone Numbers, Emails

Mutual of Omaha Producer Certification Requirements for 2022

  • Details refer to certification for Mutual of Omaha. AHIP certification must be completed separately.
  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
  • There are three components to be “Ready to Sell” Medicare Advantage (MA) for Mutual of Omaha Medicare Advantage Company (MOMAC), Medicare Advantage Insurance Company of Omaha, (MAICO) and Prescription Drug Plans (PDP) for Omaha Health Insurance Company (OHIC). All three components must be completed.
        1. Contracting
        2. AHIP Certification
        3. Product Training
  • Passing score for Mutual of Omaha product training is 85%.
  • 3 attempts.
  • Must pass AHIP and two Mutual of Omaha courses: Medicare Advantage and Prescription Drug. 
  • Training is only accessible to agents who are contracted with Mutual of Omaha for that product.
  • 2021 certs will cover the remainder of 2020.

Mutual of Omaha Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2022

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2022 launches on Tuesday, June 29, 2021.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2022

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2022 launches on Tuesday, June 29, 2021.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

First Looks Available – Click Here to Download

Cigna Medicare Producer Certification Requirements for 2022

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Thursday, July 1, 2021.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2022

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Thursday, July 1, 2021.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2022

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2022 certification launch date has not yet been announced.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2022

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2022 certification launch date has not yet been announced.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2022

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Amerigroup’s certification for 2022 launches on Wednesday, June 30, 2021.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2022 allows the sale of 2021 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2022

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Amerigroup’s certification for 2022 launches on Wednesday, June 30, 2021.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2022 allows the sale of 2021 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2022

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2022

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails