TAKE A FRESH LOOK AT TOTAL LIVING COVERAGE

Making a few simple changes to TLC's secondary guarantee, our Guaranteed Minimum Benefit Rider (GMBR), have not only provided additional protection for the customer, it also puts TLC on par with MoneyGuard Reserve UL.

What we did:

What that means:

• You can offer 30-40% upside on benefits received due to the current 4.8% interest crediting rate, and
• The potential downside is comparable to the competition's fixed rate
• The change does not impact the best-in-class long term care (LTC) benefits and features modeled after those of Privileged Choice, one of the nation's top-selling individual LTCI products.
• A product with a strong secondary guarantee, plus full-featured LTC benefits
• Your client can retain control of assets, pass the proceeds along generally income tax free at death if coverage is not needed, and, most importantly, turn one dollar of premium into six dollars or more of LTC protection.

Take a look at the numbers:

Hypothetical example - Female, age 65, Preferred, Couples discount, $100,000 initial premium, 2-year Accelerated Benefit Rider (ABR) period, 4-year Extension of Benefit Rider (EBR) period, 4.8% current crediting rate, Return of Premium (ROP), no infation.

Note the advantages of TLC's full underwriting as compared to simplified underwriting. With simplified underwriting, most insurers use drug databases to determine which medications the clients are using without asking what the medications are being used for.

30-40% upside, very little downside - show your clients a little TLC!

Total Living Coverage is underwritten by Genworth Life Insurance Company, Lynchburg, VA

Total Living Coverage universal life insurance with long term care benefits is subject to the terms, issue limitations and conditions of Policy Form No. ULPLTCIPGLI (11/05) et al. and Rider Form Nos. ULRABRIPGLI (11/05) et al., ULREBRIPGLI (11/05) et al., ULRROPIPGLI (11/05) et al. and ULRGMBRIPGLI (11/05) et al. Policy, benefits and riders may not all be available in all states. Terms and conditions may vary by state.

MoneyGuardReserve UL is underwritten by Lincoln National Life and is subject to Policy Form No. LN850 (8/05).

All guarantees are based on the claims-paying ability of the issuing insurance company.

Competitive charts are based on industry research conducted by the Genworth Financial companies. To the best of our knowledge, all figures are believed to be accurate as of 10/08. The figures shown are for illustration purposes only and the client should carefully consider all policy features before purchasing life insurance.

2008 Genworth Financial, Inc. All rights reserved.

FOR PRODUCER USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC.