Manhattan Life Contracting and 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.  

These are Manhattan Life's current policies and state availability for 2018.

Dental, Vision, Hearing

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  • Two policy options with family coverage available
  • No networks
  • Guarantee issue 18-85, Age of Last Birthday
  • Pays on actual charges not usual customary
  • Policy Year Maximum $1,000 or $1,500
  • Policy Year Deductible $100 per person
  • Waiting period is 12 months on major services

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. No dentist network.

The two-parent family premium is based on the older age for bank draft sales and the employee’s age for payroll sales. Rates are tiered at Individual only and Family rates include a maximum of three/four children depending on the state. 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 eye glasses or contact lenses. Waiting period is 6 months on eye glasses 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. 

When dental, vision, and hearing covered services are eligible for claim, the amount is based on a percentage based on how long the policy has been effective.

Medicare Supplement

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Select from 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.

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