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Privileged Choice ® Flex 2 Underwritten by Genworth Life Insurance Company, Richmond, VA. For Agent/Producer use only. Not to be reproduced or shown to.

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Presentation on theme: "Privileged Choice ® Flex 2 Underwritten by Genworth Life Insurance Company, Richmond, VA. For Agent/Producer use only. Not to be reproduced or shown to."— Presentation transcript:

1 Privileged Choice ® Flex 2 Underwritten by Genworth Life Insurance Company, Richmond, VA. For Agent/Producer use only. Not to be reproduced or shown to the public. ©2014 Genworth Financial, Inc. All rights reserved /01/14

2 Important Information 1 Review of these materials is strictly for the purpose of your due diligence review of Genworth. Your review of this document is subject to various confidentiality obligations your company has with Genworth and its affiliates. Subject to final business approval and state approvals. This is a brief product summary. Not all product features are shown; significant product features are selected for informational purposes only. Features, benefits, riders and discounts may vary; and certain conditions and restrictions may apply. Only the applicable policy contains actual terms and conditions of coverage. Coverage is provided under policy form series 8000 and For Agent/Producer use only. Not to be reproduced or shown to the public.

3 Table of Contents For Agent/Producer use only. Not to be reproduced or shown to the public. 2 Background Overview of Changes to Privileged Choice ® Flex 2 Change Details Corresponding Sales Tool Updates Privileged Choice ® Flex 2 State Map

4 Privileged Choice Flex 2 For Agent/Producer use only. Not to be reproduced or shown to the public. 3 In April 2013, Genworth Life Insurance Company (Genworth) introduced Privileged Choice Flex 2. With this product launch, Genworth made strategic changes to underwriting to reduce risk on our long term care insurance (LTCI) products. Classification into four underwriting categories Implementation of a gender based pricing structure* More precise underwriting and gender based pricing are being implemented to improve the sustainability of long term care insurance. *Gender based pricing does not apply to Colorado and Montana.

5 Change Details – New Product 4 Privileged Choice ® Flex (7052)Privileged Choice ® Flex 2 (8000, 8001) CORE 4 DECISIONS 1. Benefit Payment Options Monthly $1,500 - $12,000 ($100 increments) or Daily $50 - $400 ($5 Increments) 2. Benefit Multiplier 2, 3, 4, 5, 6, 8 or 10 Years 3. Elimination Period30, 90, 180, 365 Service or Calendar Days 4. Inflation Protection 5% or 3% Compound, 5% Simple, Future Purchase Option or None 5%, 4% or 3% Compound, 5% Simple, Future Purchase Option or None ClaimsNo Claims OffsetClaims Offset on Compound Inflation STANDARD BENEFITS Privileged Care CoordinationIncluded Caregiver Support ServicesIncluded Live+Well SM Included Hospice CareIncluded Home Assistance BenefitIncluded (90 Days) Bed Reservation60 Days Per Year Respite Care30 Days Per Year Alternate Care BenefitIncluded International Coverage48 Month - 50% Nursing Home, 12 Months - 25% for Home Care For Producer Use Only. Not to be reproduced or shown to the public.

6 Change Details – New Product continued 5 Privileged Choice ® Flex (7052)Privileged Choice ® Flex 2 (8000, 8001) CARE OPTIONS Nursing Facility100% Assisted Living Facility50% or 100% Home & Community Care50% or 100% PRICING & UNDERWRITING Preferred Health DiscountNot AvailableBuilt into Pricing Structure Couples DiscountAvailableBuilt into Pricing Structure Underwriting CategoriesStandardPreferred Best, Preferred, Select and Standard OTHER Issue Ages Couples DefinitionSiblings IncludedSiblings Excluded Homemaker & Chore CareInformal Care Providers Are Acceptable Home Health or Personal CareFormal Care Provider Not RequiredFormal Care Provider Required For Producer Use Only. Not to be reproduced or shown to the public.

7 Privileged Choice Flex 2 For Agent/Producer use only. Not to be reproduced or shown to the public. 6 Privileged Choice Flex (7052)Privileged Choice Flex 2 (8000, 8001) OPTIONS 1 st Day Home CareAvailable Refund of PremiumGraded and 10 Year Shared BenefitGuaranteed Minimum Transition BenefitAvailable Restoration BenefitAvailable Nonforfeiture BenefitsAvailable Payment OptionsLifetime Pay

8 Privileged Choice Flex 2 For Agent/Producer use only. Not to be reproduced or shown to the public. 7 Inflation Protection Adding 4% compound inflation protection to the Inflation Protection Benefit options. Claims Offset The treatment of inflation protection is changing. Compound inflation increases will be impacted by any claims paid.

9 Privileged Choice Flex 2 For Agent/Producer use only. Not to be reproduced or shown to the public. 8 Home and Community Care Genworth will continue to reimburse covered expenses provided by informal caregivers for Homemaker and Chore Care. Covered care for Home Health or Personal Care Services must be provided by formal care providers to be eligible for reimbursement. Shared Benefit The Shared Benefit guarantee is being refined. If a couple with the Shared Benefit decreases their coverage amount at any time, the guarantee will be based on the lower coverage amount.

10 Privileged Choice Flex 2 Underwriting Changes For Agent/Producer use only. Not to be reproduced or shown to the public. 9 Privileged Choice Flex 2 features four underwriting categories: Preferred Best Preferred Select Standard

11 10 Pricing Structure Instead of using discounting, Genworth is moving to precision based pricing by gender, marital status and underwriting category. Changes for Couples The new pricing structure is designed with “built-in discounts.” If a couple applies and is issued coverage, they will receive lower rates than if they applied as individuals. Gender Based Pricing The gender based pricing structure is applicable to individual policies and is based on historical claims data. In the instance a state doesn’t allow gender based pricing, unisex rates will be based on blended single rates. Factors contributing to the new pricing structure include: Percentage of Total Claims 1 38% Single Female 28% Married Female 24% Married Male 10% Single Men For Agent/Producer use only. Not to be reproduced or shown to the public. 1 Genworth internal claims data 12/2012. Privileged Choice Flex 2

12 Privileged Choice Flex 2 Couples Rates For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Couple Preferred Best $366 $446 $949 $556 $634 $1,211 $932 $1,103 $1,547 Preferred , ,345 1,035 1,226 1,719 Select , ,614 1,199 1,378 2,062 Standard , ,057 2,018 1,499 1,723 2,578 Flex 1 Standard$393$589$1,477$606$898$1,885$886$1,145$2,301 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8000 and 8001.

13 Privileged Choice Flex 2 Single Rates in Gender Specific States For Agent/Producer use only. Not to be reproduced or shown to the public. 12 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Female Preferred Best $652 $861 $2,070 $850 $1,259 $2,642 $1,490 $1,925 $3,388 Preferred , ,399 2,936 1,656 2,139 3,764 Select 793 1,146 2,875 1,181 1,749 3,670 2,070 2,500 4,705 Standard 992 1,433 3,594 1,476 2,186 4,587 2,588 3,125 5,881 Single Male Preferred Best $431 $605 $1,518 $654 $923 $1,937 $1,146 $1,298 $2,420 Preferred , ,026 2,152 1,273 1,442 2,689 Select , ,282 2,690 1,411 1,634 3,361 Standard 702 1,050 2,635 1,082 1,602 3,363 1,763 2,043 4,201 Flex 1 Standard$492$736$1,846$758$1,122$2,356$1,108$1,431$2,876

14 Privileged Choice Flex 2 Single Rates in Unisex States For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Preferred Best $584 $782 $1,899 $789 $1,155 $2,424 $1,384 $1,731 $3,088 Preferred , ,283 2,693 1,537 1,923 3,431 Select 721 1,051 2,638 1,083 1,604 3,366 1,866 2,232 4,288 Standard 902 1,314 3,297 1,354 2,005 4,208 2,332 2,790 5,360 Flex 1 Standard$492$736$1,846$758$1,122$2,356$1,108$1,431$2,876 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8001.

15 Privileged Choice Flex 2 Couples Rates For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Couple Preferred Best $525 $609 $1,324 $673 $922 $1,783 $1,377 $1,548 $2,216 Preferred , ,024 1,981 1,530 1,720 2,463 Select , ,229 2,377 1,695 1,749 2,955 Standard ,206 1,057 1,536 2,971 2,119 2,186 3,694 Flex 1 Standard$553$843$2,061$883$1,306$2,775$1,313$1,687$3,450 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8000 and 8001.

16 Privileged Choice Flex 2 Single Rates in Gender Specific States For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Female Preferred Best $876 $1,181 $2,889 $1,238 $1,830 $3,891 $2,207 $2,782 $4,837 Preferred 974 1,313 3,210 1,376 2,034 4,323 2,453 3,091 5,375 Select 1,078 1,641 4,013 1,720 2,542 5,404 2,984 3,517 6,718 Standard 1,347 2,051 5,016 2,149 3,178 6,754 3,730 4,396 8,398 Single Male Preferred Best $617 $866 $2,118 $908 $1,342 $2,852 $1,620 $1,821 $3,546 Preferred ,353 1,009 1,491 3,169 1,800 2,024 3,940 Select 790 1,203 2,942 1,261 1,864 3,961 1,994 2,408 4,925 Standard 987 1,504 3,677 1,576 2,330 4,952 2,493 3,010 6,157 Flex 1 Standard$692$1,053$2,576$1,104$1,632$3,469$1,641$2,108$4,313 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8000.

17 Privileged Choice Flex 2 Single Rates in Unisex States For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Preferred Best $796 $1,084 $2,650 $1,136 $1,679 $3,569 $2,025 $2,484 $4,437 Preferred 884 1,204 2,945 1,262 1,866 3,965 2,250 2,760 4,930 Select 988 1,505 3,681 1,577 2,332 4,956 2,677 3,173 6,162 Standard 1,235 1,881 4,601 1,972 2,915 6,196 3,347 3,966 7,703 Flex 1 Standard$692$1,053$2,576$1,104$1,632$3,469$1,641$2,108$4,313 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8001.

18 Privileged Choice Flex 2 Couples Rates For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Couple Preferred Best $636 $724 $1,635 $828 $1,146 $2,219 $1,611 $1,924 $2,759 Preferred , ,273 2,465 1,790 2,138 3,065 Select ,180 1,040 1,528 2,958 1,983 2,174 3,678 Standard 916 1,179 2,725 1,300 1,910 3,698 2,479 2,717 4,598 Flex 1 Standard$658$990$2,618$1,068$1,629$3,510$1,511$2,104$4,381 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8000 and 8001.

19 Privileged Choice Flex 2 Single Rates in Gender Specific States For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Female Preferred Best $1,061 $1,405 $3,569 $1,523 $2,275 $4,843 $2,582 $3,458 $6,021 Preferred 1,179 1,561 3,965 1,692 2,528 5,381 2,869 3,842 6,690 Select 1,305 1,951 4,957 2,115 3,160 6,726 3,491 4,371 8,362 Standard 1,631 2,439 6,196 2,644 3,950 8,407 4,364 5,464 10,453 Single Male Preferred Best $748 $1,030 $2,616 $1,116 $1,668 $3,550 $1,895 $2,264 $4,414 Preferred 831 1,144 2,907 1,241 1,853 3,945 2,105 2,515 4,904 Select 957 1,430 3,634 1,551 2,317 4,931 2,333 2,993 6,131 Standard 1,196 1,788 4,542 1,938 2,896 6,164 2,916 3,741 7,663 Flex 1 Standard$823$1,238$3,273$1,335$2,036$4,387$1,889$2,631$5,476 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8000.

20 Privileged Choice Flex 2 Single Rates in Unisex States For Agent/Producer use only. Not to be reproduced or shown to the public Year Benefit PeriodNo Inflation3% Compound Inflation5% Compound Inflation Single Preferred Best $964 $1,289 $3,274 $1,397 $2,087 $4,442 $2,369 $3,088 $5,523 Preferred 1,071 1,432 3,637 1,552 2,319 4,936 2,632 3,431 6,136 Select 1,197 1,790 4,547 1,940 2,898 6,169 3,132 3,944 7,670 Standard 1,496 2,237 5,683 2,425 3,623 7,712 3,915 4,930 9,588 Flex 1 Standard$823$1,238$3,273$1,335$2,036$4,387$1,889$2,631$5,476 These premiums were based on a $3,000 Monthly Maximum, 90 Day Elimination Period,100% Home and Community Care Coverage and 100% Assisted Living Facility Coverage. Policy form series 8001.

21 Sales Tools For Agent/Producer use only. Not to be reproduced or shown to the public. 20 As Genworth makes these evolutionary changes, we are committed to creating new tools to help agents/producers easily transition to this new approach. Product Material Consumer Brochure Producer Q&A Brochure Quick Reference Guide New Streamlined Illustration Quote It! Improved User Interface -Help Functions Specific to Underwriting Selection -User Friendly Layout Underwriting Material Underwriting Guide Quick Reference Guide

22 AK ME NH VT NY RI MD VA WV NC TN GA ALMS LA OH IN MI ND SD MN WI IA NE IL KS MO MT WY ID WA OR UT CO NV CA AZ NM TX OK DC KY FL NJ CT HI SC DE MA As of 2/24/14 PA AR 21 Privileged Choice Flex 2 For Agent/Producer use only. Not to be reproduced or shown to the public. Privileged Choice Flex 2

23 Privileged Choice Flex 2 NY ‏ Product Changes 22 For Agent/Producer use only. Not to be reproduced or shown to the public.

24 Privileged Choice Flex 2 23 Privileged Choice ® Flex (7052NY)Privileged Choice ® Flex 2 (8000NY) CORE 4 SM DECISIONS 1. Benefit Payment Options Monthly $1,600 - $12,000 ($100 increments) or Daily $50 - $400 ($5 Increments) Monthly $1,550 - $9,300 ($100 increments) or Daily $50 - $300 ($5 Increments) 2. Benefit Multiplier2, 3, 4, 5, 6, 8 or 10 Years2, 3, 4 or 5 3. Elimination Period30, 90, 180, 365 Service or Calendar Days30, 90 and 180 Service or Calendar Days 4. Inflation Protection5% or 3% Compound, 5% Simple, Future Purchase Option or None ClaimsNo Claims Offset on Compound InflationClaims Offset on Compound Inflation STANDARD BENEFITS Privileged Care CoordinationIncluded Caregiver Support ServicesIncluded Hospice CareIncluded Home Assistance BenefitIncluded (90 Days) Bed Reservation60 Days Per Year Respite Care30 Days Per Year Alternate Care BenefitIncluded International Coverage50% Nursing Home, 12 Months - 25% for Home Care For Agent/Producer use only. Not to be reproduced or shown to the public.

25 Privileged Choice Flex 2 (continued) 24 Privileged Choice ® Flex (7052NY)Privileged Choice ® Flex 2 (8000NY) CARE OPTIONS Nursing Facility100% Assisted Living Facility50% or 100% Home & Community Care50% or 100% PRICING & UNDERWRITING Preferred Health DiscountNot AvailableBuilt into Pricing Structure Couples DiscountAvailableBuilt into Pricing Structure Underwriting CategoriesStandardPreferred Best, Preferred, Select and Standard OTHER Issue Ages Couples DefinitionSiblings Excluded Homemaker & Chore CareInformal Care Providers Are Acceptable Home Health or Personal CareFormal Care Provider Not RequiredFormal Care Provider Required For Agent/Producer use only. Not to be reproduced or shown to the public.

26 Privileged Choice Flex 2 Riders For Agent/Producer use only. Not to be reproduced or shown to the public. 25 Privileged Choice Flex (7052NY) Privileged Choice Flex 2 (8000NY) OPTIONS 1 st Day Home Care Available Shared Benefit (Guaranteed Min) Available Nonforfeiture Benefits Available Payment Options Lifetime Pay Refund of Premium (Graded and 10 Yr) AvailableNot Available Transition Benefit AvailableNot Available Restoration Benefit AvailableNot Available

27 New York Partnership Plus ‏ Plan Changes 26 For Agent/Producer use only. Not to be reproduced or shown to the public.

28 New York Partnership Plus Plans 27 For Agent/Producer use only. Not to be reproduced or shown to the public. Current Plan OptionsNew Plan Options Dollar for Dollar 50Dollar for Dollar – Plan 1 (1.5/3/50) Dollar for Dollar 100Dollar for Dollar – Plan 2 (2/2/100) –Total Asset Protection – Plan 3 (2/4/50) - NEW Total Asset 50Total Asset Protection – Plan 4 (3/6/50) Total Asset 100Total Asset Protection – Plan 5 (4/4/100)

29 Dollar for Dollar Plan Changes 28 For Agent/Producer use only. Not to be reproduced or shown to the public. Dollar for Dollar 50 (7052NYP) Dollar for Dollar – Plan 1 (1.5/3/50) (8000NYP) OPTIONS Benefit Payments Daily Benefit Amount (DBA) selections range from $265 to $400 (indexed yearly) DBA selections range from $274 or $275 to $300 (indexed yearly) Length of Benefit Period Nursing Home Care (NHC): 1.5 years Home Community Care (HCC) & Assisted Living Facility (ALF): 3 years Nursing Home Care Benefit 100% DBA Home & Community Care and Assisted Living Facility Benefit 50% DBA Elimination Period 30 or 60 Days Inflation Protection 5% Compound5% or 3.5% Compound Waiver of Premium Benefit Available Underwriting Categories Standard Preferred Best, Preferred, Select, Standard AVAILABLE RIDERS Full Daily Maximum Benefits Rider Not Available Independent, Informal and Supplementary Benefits Rider Not Available Monthly Home Care Maximum Rider Not Available Nonforfeiture Benefit Rider Available Refund of Premium Benefit Riders Not Available

30 Dollar for Dollar Plan Changes 29 For Agent/Producer use only. Not to be reproduced or shown to the public. Dollar for Dollar 100 (7052NYP) Dollar for Dollar – Plan 2 (2/2/100) (8000NYP) OPTIONS Benefit Payments DBA selections range from $265 to $400 (indexed yearly) DBA selections range from $274 or $275 to $300 (indexed yearly) Length of Benefit Period NHC: 2 years HCC & ALF: 2 years Nursing Home Care Benefit 100% DBA Home & Community Care and Assisted Living Facility Benefit 100% DBA Elimination Period 30 or 60 Days Inflation Protection 5% Compound5% or 3.5% Compound Waiver of Premium Benefit Available Underwriting Categories Standard Preferred Best, Preferred, Select, Standard AVAILABLE RIDERS Full Daily Maximum Benefits Rider Not Available Independent, Informal and Supplementary Benefits Rider Available Monthly Home Care Maximum Rider Available Nonforfeiture Benefit Rider Available Refund of Premium Benefit Riders Not Available

31 Total Asset Protection - Plan 3 (2/4/50) New Plan 30 For Agent/Producer use only. Not to be reproduced or shown to the public. Total Asset Protection – Plan 3 (2/4/50) (8000NYP) OPTIONS Benefit Payments DBA selections range from $274 or $275 to $300 (indexed yearly). Length of Benefit Period NHC: 2 years HCC & ALF: 4 years Nursing Home Care Benefit 100% DBA Home & Community Care and Assisted Living Facility Benefit 50% DBA Elimination Period 30 or 90 Days Inflation Protection 5% or 3.5% Compound Waiver of Premium Benefit Available Underwriting Categories Preferred Best, Preferred, Select, Standard AVAILABLE RIDERS Full Daily Maximum Benefits Rider Not Available Independent, Informal and Supplementary Benefits Rider Not Available Monthly Home Care Maximum Rider Not Available Nonforfeiture Benefit Rider Available Refund of Premium Benefit Riders Not Available

32 Total Asset Protection Plan Changes 31 For Agent/Producer use only. Not to be reproduced or shown to the public. Total Asset 50 (7052NYP) Total Asset Protection - Plan 4 (3/6/50) (8000NYP) OPTIONS Benefit Payments DBA selections range from $265 to $400 (indexed yearly) DBA selections are $274 or range from $275 to $300 (indexed yearly) Length of Benefit Period NHC: 3 years HCC & ALF: 6 years Nursing Home Care Benefit 100% DBA Home & Community Care and Assisted Living Facility Benefit 50% DBA. Rider Upgrade to 100% Available Elimination Period 30 or 90 Days Inflation Protection 5% Compound5% or 3.5% Compound Waiver of Premium Benefit Available Underwriting Categories Standard Preferred Best, Preferred, Select, Standard AVAILABLE RIDERS Full Daily Maximum Benefits Rider Available Independent, Informal and Supplementary Benefits Rider Available Monthly Home Care Maximum Rider Available Nonforfeiture Benefit Rider Available Refund of Premium Benefit Riders AvailableNot Available

33 Total Asset Protection Plan Changes 32 For Agent/Producer use only. Not to be reproduced or shown to the public. Total Asset 100 (7052NYP) Total Asset Protection - Plan 5 (4/4/100) (8000NYP) OPTIONS Benefit Payments DBA selections range from $265 to $400 (indexed yearly) DBA selections range from $274 or $275 to $300 (indexed yearly) Length of Benefit Period NHC: 4 years HCC & ALF: 4 years Nursing Home Care Benefit 100% DBA Home & Community Care and Assisted Living Facility Benefit 100% DBA Elimination Period 30 or 90 Days Inflation Protection 5% Compound5% or 3.5% Compound Waiver of Premium Benefit Available Underwriting Categories Standard Preferred Best, Preferred, Select, Standard AVAILABLE RIDERS Full Daily Maximum Benefits Rider Not Available Independent, Informal and Supplementary Benefits Rider Available Monthly Home Care Maximum Rider Available Nonforfeiture Benefit Rider Available Refund of Premium Benefit Riders AvailableNot Available

34 Why Genworth For Agent/Producer use only. Not to be reproduced or shown to the public. 33 Experience There is no substitute for experience. Genworth Life Insurance Company (Genworth Life) helped pioneer long term care insurance in Today Genworth Life leads the industry with more than 1,000,000 2 policyholders. Product Innovation Genworth Life is an industry leader in the development of long term care insurance products. Our years of experience have allowed us to design products and services to fit our customers’ needs and a range of budgets, and help protect them and their loved ones. Education and Awareness Genworth Life also leads when it comes to understanding the costs of long term care. To learn about these costs in your area, visit genworth.com/costofcare. Commitment Paying benefits to families at the most critical moments of their lives is a crucial part of what we do. To date we have paid more than $9.1 billion 3 in long term care insurance claims LIMRA Individual Long Term Care Report. Based on Genworth companies’ share of in-force lives. 3 As of 12/2012.

35 34 ©2013 Genworth Financial, Inc. All rights reserved. For Agent/Producer use only. Not to be reproduced or shown to the public. Insurance and annuity products: Are not deposits. Are not insured by the FDIC or any other federal government agency. May decrease in value. Are not guaranteed by the bank or its affiliates.


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