ManhattanLife > Insurance > Individual Life & Health Insurance

ManhattanLife pays benefits directly to you.

You use the cash however you decide.

Why Cancer Insurance?

According to the American Cancer Society:

In the United States, men have about a 1-in-2 lifetime risk of developing cancer; forwomen the risk is a little more than 1-in-3.*
It is projected that on an annual basis over 1.6 million new cancer cases will be diagnosed.*

As advances in cancer treatment continue, more and more people will survive:

Approximately 13.7 million Americans with a history of cancer were alive in 2009.*
The five-year relative survival rate for all cancers diagnosed between 2003 - 2007 is 68%, up from 49% in 1975-1977.*
The National Institutes of Health estimated the overall costs for cancer in the year 2009 at $216.6 billion.

Although health insurance can help offset the costs of cancer treatment, you still may have to cover deductibles and copayments on your own.

Additionally, cancer treatment can cause out-of-pocket expenses that aren’t covered by traditional health insurance:

Travel
Food
Lodging
Long-distance calls
Childcare
Household help

Meanwhile, living expenses such as car payments, mortgages or rent, and utility bills continue, whether or not you are able to work. If a family member has to stop working to take care of you, the loss of income may be doubled. Central United Life Insurance Company helps provide an important safety net in fighting the financial consequences of cancer that result beyond traditional health insurance.

* American Cancer Society - Cancer Facts and Figures 2014

Benefit exclusions and limitations may apply to the policy. For additional information about this or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.

Cancer & Dread Disease Insurance CP4000

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

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

First Occurrence Benefit FOB

If You Are Diagnosed With Cancer

The cancer first occurrence benefit policy pays the amount you select from $5,000 to $50,000.

The Toll of Cancer

Cancer is the second most common cause of death in the United States, exceeded only by heart disease. Survival rates are increasing and have been since the early 1990’s.¹

The disease can take its toll in many forms, including a finacial one. Researchers have been studying what they call “financial toxicity” or the impact that accumulating medical expenses can have on people with cancer.²

The average cost for one year of treatment in 2014 was $58,097. It’s estimated that about 60% of bankruptcies in the U.S. -- more than half a million cases -- can be traced to medical debt.²

Protection Through Early Detection and Prevention

Some of the expense burden can be lessened cancer insurance. Further, steps can be taken to help reduce risk of getting cancer. What you eat and drink, how active you are, and other lifestyle behaviors all can affect your risk for cancer. Find out more about these risks and what you can do to reduce them thru the American Cancer Society Website, http://www.cancer.org

¹National Cancer Institute/www.cancer.gov
²Duke University School of Medicine

The cited facts represent the U. S. population, are for information only and do not imply coverage under the policy or endorsement of the company.