Our Services

Accident Insurance​

Accidents… you can’t plan on them, but you can plan for them. We offer Off-the-Job or 24-hour care plans for helping individuals and their families in case of a covered accident. No one can predict when an accident will happen, and the financial consequences can be overwhelming. In addition to the costs associated with medical treatment, there are unforeseen costs that most people don’t anticipate, for example…

  • Transportation, lodging, and food bills associated with traveling for treatment.
  • Childcare and household help,
  • Continuing expenses such as groceries, car payments, mortgage or rent, and utility bills.

How Can We Help?

We can help make financial obligations easier if you or a family member suffers an accidental injury. Our accident insurance pays cash benefits to help with expenses that may not be covered by your major medical insurance. We even offer 24-hour or off-the-job coverage.

  • Our plans pay benefits for a range of services including…
  • Hospital confinement, emergency room/urgent care and doctor’s office visits.
  • ICU confinement, ambulance, blood and plasma.
  • Surgical expenses.
  • Accidental death and dismemberment.
  • Fractures, dislocations and burns.
  • Physical therapy.

Cancer Insurance​

Have you done everything you can to protect yourself or your loved ones in the event of cancer? Choose one of four complete benefit packages to help with the direct and indirect medical costs of cancer. Cancer can strike anyone, anywhere, at any time. Cancer is the second most common cause of death in the US, exceeded only by heart disease, accounting for nearly 1 of every 4 deaths*. In the U.S., men have about a 1 in 2 lifetime risk of developing cancer, and for women the risk is a little more than 1 in 3. A cancer diagnosis can be a life-changing event, and cancer treatment may result in expenses beyond medical care that you never even anticipated, for example…

  • Transportation, lodging, and food bills associated with traveling for treatment.
  • Childcare and household help,
  • Continuing expenses such as groceries, car payments, mortgage or rent, and utility bills.

Your regular expenses 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. The American Cancer Society estimates the following new cancer cases in 2012*:

  • 1,638,910 total new diagnoses
  • 226,870 of invasive breast cancer among women
  • 226,160 of lung cancer
  • 241,740 of prostate cancer
  • 12,060 among children aged 0 to 14 years


The good news is certain changes in behavior, for example quitting smoking, eliminating heavy drinking; eating a healthy diet and being physically active may help prevent cancer completely. Other factors, such as inherited conditions, however, may make you more susceptible to cancer.
More people who are diagnosed with cancer are surviving. The 5-year relative survival rate for all cancers diagnosed between 2001 and 2007 is 67%, up from 49% in 1975-1977. This is directly due to earlier detection and improvements in treatment.

How Can We Help?

Our cancer insurance policies can provide you and your family members with peace of mind by paying cash benefits to help cover expenses that aren’t covered by your major medical insurance.

If you are diagnosed with cancer, we pay an initial diagnosis benefit which can help protect you and your family from financial hardship. We pay benefits directly to you, unless assigned. You use the cash however you decide.

In addition, our cancer insurance will continue to pay benefits when you begin cancer treatment. Cash benefits are paid if you receive the following services:

  • Hospital confinement, physician’s attendance and nursing services.
  • Radiation, chemotherapy and immunotherapy.
  • Bone marrow transplant and surgical services.
  • Airfare, hotel, and mileage.
  • Ambulance, blood and plasma.
  • Dread disease treatment.
  • And more.

Critical Carte Insurance​

We offer three plans that could help you and your family in the event of serious health events such as a heart attack, stroke and/or paralysis. We know the important role that you play in your family’s life. A catastrophic illness, such as a heart attack or stroke, can be financially devastating to you and your family members. Major medical insurance covers most of your doctor and hospital bills, but do you have insurance for the unforeseen costs associated with a critical illness? Many people don’t even realize the added expenses they may experience, such as…

  • Transportation, lodging, and food bills associated with traveling for treatment.
  • Childcare and household help,
  • Continuing expenses such as groceries, car payments, mortgage or rent, and utility bills.

How Can We Help?

Our critical care insurance is designed to provide you with peace of mind and help you overcome a critical health event by paying you cash benefits. You use the cash however you decide.Our policies pay benefits for heart attack, stroke, coma, third-degree burns, major human organ transplants, coronary artery bypass surgery, paralysis, end-stage renal failure, even cancer.

We Pay:

  • An immediate lump sum cash benefit,
  • A monthly income benefit, and
  • A reoccurrence benefit with no lifetime maximum.

In addition, we also pay cash benefits for the following expenses, with no lifetime maximum:

  • Hospitalization,
  • Air and Ground Ambulance, and
  • Transportation and lodging.

Dental and Vision Insurance​

An effective way to control your expenses in today’s economy. Our group dental and vision plans offer a way to cover your employees dental and vision expenses, from routine checkups to serious events. With our busy schedules it’s often easy to put off preventative health care. However, getting annual dental and eye exams should be a regular part of everyone’s good health plan. During this time of sharp increases in the costs of health care, it’s important to maintain dental and vision health and to catch problems before they become serious, which can keep everyone’s costs at a minimum.

How Can We Help?

Covered dental services include:

  • Routine exams and cleaning, x-rays, fluoride and sealant applications.
  • Major restorative procedures, inlays, onlays and crowns
  • Oral surgery, root canals, prosthodontics and periodontic services
  • Emergency palliative treatment
  • Even braces for children

We offer:

  • Affordable group plans.
  • Large national network of providers.
  • Voluntary and non-voluntary plans.
  • Freedom of choice to select your provider.
  • Flexible plan designs available.

Covered vision services include:

  • Annual eye exams,
  • Glasses (lenses and frames), and
  • Contact lenses

Disability Insurance

Seguros 4Latinos offers a plan that can provide monthly benefits in the event of a disability that leaves you out of work and out of pay. Learn how our plans can help a covered person work through the difficulty of lost wages due to sickness or injury. Consider these statistics. In the U.S…

  • A disabling injury occurs every 1.5 seconds.*
  • In the home, there is a disabling injury every 4 seconds.
  • In public places or places used in a public way, there is a disabling injury every 5 seconds.*

We know your ability to earn an income is important to you and your family. If you unexpectedly became disabled, would you be able to continue to pay for normal living expenses like car payments, mortgage or rent, and utility bills, as well as additional expenses that may have been created as a result of your disability?

How Can We Help?

Our Disability Insurance can provide you with peace of mind and protect your family against loss of income should you become unable to work. We pay you cash benefits. You decide how to use them.

Individual and group plans are available with several income protection choices.

Individual Plan Options:

  • Benefit Period of 1 or 2 Years
  • Accident and Sickness or Accident Only
  • Elimination Period: 14 Days Accident or 30 Days Or 60 Days Sickness
  • Up to $2,000 per month coverage

Group Plan Options:

  • Up to $6,000 per month coverage
  • Multiple elimination and benefit periods
  • Guaranteed issue up to $2,000 per month
  • Partial disability feature

Hospital Confinement Indemnity Insurance

Make hospital confinement less nerve-wracking with our flexible plan. It covers some of the more difficult parts of a hospital stay and pays cash benefits to you. We offer coverage for both individuals and employers. You can’t predict when you may be hospitalized, so protecting yourself and your family is important. Major medical insurance will cover most of your doctor and hospital bills, but are you protected from the unforeseen expenses that can also occur? Most people never anticipate the additional costs associated with a hospitalization that can drain your savings, for example…

  • Transportation, lodging and meals if you must travel for treatment,
  • Childcare and household help, and
  • Continuing regular financial obligations like groceries, car payments, mortgage and rent, and utility bills.

Unlike traditional health insurance plans, our hospital confinement insurance pays a predetermined cash amount when you receive a particular service, regardless of what your provider charges you. There are no deductibles and you can keep your own doctor. We pay you cash benefits. You can use them however you decide. Benefits for covered services include…

  • Hospital admission benefit, hospital confinement, emergency room/urgent care,
  • Ground or air ambulance, inpatient and outpatient surgical services,
  • Office visits, lab work, allergy shots and immunizations, and
  • Prescription drugs.
  • $2,000,000 over Your Lifetime.
  • All benefits are per covered person.

Affordable, Accessible, Flexible, Versatile

    • Two plan options to fit your budget and lifestyle.
    • With only a few medical questions on the application, it’s easy to apply.
    • Choices include individual and family coverage.

How Can We Help?

Medicare Supplement

Medicare supplemental insurance and Medigap policies help you with medical expenses and costs not covered by Medicare.

Medicare was never meant to cover all of your doctor and hospital bills. Many people do not realize this and expect it to pay all. Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses.

Medicare was not designed to cover all of your doctor and hospital bills and, without supplemental insurance, the costs of health care can get out of hand. The companies of Manhattan Insurance Group offer a number of different Medicare Supplement policies to help cover some of the costs that Medicare alone does not.

Medicare Supplement policies help cover costs such as coinsurance, copayments and deductibles. With a Medicare Supplement policy, you can keep your out-of-pocket expenses for healthcare down so you can maintain predictable monthly costs and avoid financial difficulty.

When you enroll in a Medicare Supplement policy, you can usually keep your doctors and hospitals and you retain all of your Medicare rights and protections. Take a look at the Medicare Supplement products we provide and find one that fits your budget and needs today.

View the Plans We Offer

If you are 65 or older; under 65 with certain disabilities; or any age with End-Stage Renal Disease, you qualify for Medicare. Medicare and Medicare Supplement policies are divided into standardized plans that offer the same coverage, despite the provider. Medicare alone covers only Part A and Part B:

  • Part A (Hospital Insurance) helps cover inpatient care in hospitals as well as skilled nursing facilities, hospice, and home health care.
  • Part B (Medical Insurance) helps cover doctors’ and other health care providers’ services, hospital outpatient care, durable medical equipment, and home health care as well as preventive services to help maintain your health and to keep certain illnesses from getting worse.

Medicare Supplement insurance is often referred to as Medigap because it fills the gaps in coverage that are left by Medicare. For example, if you would like supplemental coverage for hospitalization costs, you can purchase a supplemental plan that provides extra benefits for hospitalization.

Medicare Supplement policies are standardized and regulated by the federal and some state governments, so searching for one is simple. When you shop for Medicare Supplement coverage, remember that the benefits for each policy are the same regardless of which company you select. The only difference will be the prices you pay for each policy as well as how a company determines rate increases.

Medicare and Medicare Supplement plans only cover one person, so you can choose the plan that fits the exact specifications you require.

How Can We Help?

Life Insurance

Pick the life policy that is best for you, we offer a variety of life insurance plans to help many people with different needs and different budgets. We offer plans for individuals, families and groups … we offer term life and whole life.

We Can Help?