1Home Health products are NOT long-term care insurance and NOT Medicare products. No CMS Scope of Appointment required. Standard TCPA applies.

2Short-term home health — MUST disclose: "This is short-term home health coverage, not long-term care insurance. The maximum benefit period is 360 days (GTL) or 365 days (ManhattanLife)."

3GTL STHHC: TCARE Caregiver Lump Sum ($3,500) is a mandatory rider — must disclose. $80,000 annual maximum across all GTL products combined. Issue ages 55–85.

4ManhattanLife HHCS: Guaranteed Renewable for Life (GRL) — rate may change by class but cannot be singled out. Issue ages 45–89. Classic/Premier/Deluxe tiers.

5One-to-one consent (Jan 27, 2025): Your own prior express written consent required. Cannot transfer from another seller or aggregator.

6Calling hours: 8:00 AM – 9:00 PM client's LOCAL time. Opt-out: honor immediately, log within 24 hrs, remove from all lists within 10 business days.

7Florida FTSA: Written opt-in required before any text. Verbal consent not sufficient for SMS in FL.