Critical Illness Insurance

Critical Illness Insurance from Manhattan Life helps protect families and their assets when employees are most vulnerable: during the working years.

Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness or an occurrence of a different critical illness, up to the maximum payment.

Benefit payments can be used for whatever you want, such as out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses.

1. Includes a $50 Wellness benefit payment for covered yearly checkups – payable every year!
2. Pays in coordination with any other insurance you may have.
3. Low-cost affordable rates!
4. Direct payment to you.

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Disability Insurance

Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can’t count on Workers Compensation to be there for you and your loved ones. 

The Disability Income Plus from Manhattan Life is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness.

You'll receive a monthly payment that you can spend however you wish — to help cover everyday expenses, medical costs, or whatever you want!

1.    Waiver of Premium. If an employee becomes disabled again within 180 days of returning to work, the elimination period is waived, and benefits are immediately available for up to the remaining benefit from the previous disability.

2.    Pays in coordination with any existing disability coverage you may have.

3.    Direct payment to you. 

Whole Life Insurance

A Whole Life policy from Allstate lets you plan for the future while getting real benefits for today!

1. Cash value. A Whole Life plan can build cash value, that you can have access to, for things such as mortgage costs, a child’s education expenses, retirement income and more.
2. Telehealth behavioral services. Now you can access a mental health provider or therapist for a visit by phone (where permitted) or video from the convenience and privacy of your own home. Specific services are Talk Therapy, Teen Therapy, and Psychiatry.
3. Accelerated death benefits. A Whole Life policy from Allstate will pay you up to 75% of your death benefit following the diagnosis of a critical illness, such as a heart attack or stroke.
4. Portability. Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or go to a new company.

While you may have a basic Term Life plan during your working years, it may not be enough to provide the level of coverage your family needs in the later years. Whole Life can help. It provides coverage through retirement with premiums and benefits that don't change with age. Whole Life can also build cash value, that you can have access to, for things such as mortgage costs, a child's education expenses, retirement income, and more.

Watch this video to learn more

Accident Insurance

Group Accident Insurance from Manhattan Life provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits. 

The benefit is paid directly to you and can be used for whatever you want. Help cover unexpected out-of-pocket expenses while you recover - deductibles, co-pays, childcare, and even non-medical expenses.

Group Accident Insurance includes these additional riders at NO COST to you!

1.  $50 Wellness benefit payment for covered yearly checkups - every year! 
   
   
2.  Youth Organized Sports Rider included at NO COST!   Extra protection for non-professional sports injuries, such as club sports. 
   
   
3.  On The Job Insurance (24 Hour Insurance) Benefit

Hospital Indemnity Insurance

Term Life

If someone depends financially on you, you need life insurance, whether you are married, single, a single parent, a small business owner, or retired. With Term life insurance from Manhattan Life, you can spare your grieving loved ones the added stress of economic difficulties, preserving their quality of life even after your death.

You will also appreciate the opportunity to enroll at work at competitive group rates with just a few simple questions. Term Life provides protection for a defined period of time, during which premiums stay the same, and pays a death benefit to beneficiaries if the covered employee dies. Term Life coverage can supplement any other life plan you may have.

1.  Lower rates. You have the advantage of lower rates available through your employer and paid through payroll deductions combined with guaranteed issue and portability, two highly popular features. Coverage for your spouse and children is available if you’re the primary insured.

2.  Accelerated Living Benefit: Value while you're alive. You can request an acceleration payment of up to 50 percent of the death benefit if diagnosed with a terminal illness in the future. 

3.  Portability. Even if you retire or change jobs, you can take the policy with you. You own it (as long as premiums are paid).