Colony Term. I Colony Term I Life Insurance. The Traditional Term Solution

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1 Producer Information I Colony Term I Life Insurance Colony Term The Traditional Term Solution Life insurance products underwritten by: Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company, Richmond, VA /13/13 For producer/agent information only. Not to be reproduced or shown to the public.

2 2 Colony Term Life Insurance Easier to Sell Competitively priced Most coverage for the premium Multiple uses to meet client needs Guaranteed death benefit for the specified duration Predictable premiums during the initial period Simple to explain Easy to understand Quicker to Close Colony Term life insurance provides affordable protection with an initial level-premium period of 10, 15, or 20 years. After the initial period, premiums increase annually. 1 Free Yourself from Paperwork Life Quick Request SM is our short-form ticket process. This innovation frees you from tracking down underwriting requirements increasing placement rates while decreasing cycle time. Cut Cycle Delivery Time epolicy Delivery is the fast, easy way to electronically manage the entire policy delivery process reducing cycle delivery time from weeks to days. Offer a Better Premium Class We redefined healthy to offer the best premium class for a variety of common conditions. Our 360 LifeView SM Credit Program views conditions such as depression, high blood pressure, obesity, asthma, anxiety and sleep apnea in a more advantageous way. 1 Please see last page for policy definitions and details.

3 3 The Power of Two Policies We depend on others. They depend on us. That s why the loss of a primary wage-earner, second income provider, stay-at-home parent or caregiver can impair a family s financial future. In many cases, this protection need reduces over time. For example, the need is greatest as children grow and are educated. The U.S. Department of Agriculture estimates it costs an average of $300,000 to raise a child to age 17, not including college tuition. 2 After the children are grown, a smaller amount of protection may still be needed to pay a mortgage or protect a spouse for example. That s why a family might require two levels of protection, and the power of two Colony Term policies can be a powerful solution. Here s How It Works A family needs protection for the next 20 years. In 10 years, the last child will finish college. Then, 10 years later, the parents expect to retire and pay off their mortgage. The challenge is to affordably provide a larger death benefit for the first 10 years, and reduce their protection for the next 10 years. Laddering two Colony Term policies is the answer. With Colony Term, you can ladder a $200,000, 20-year level premium period policy with a $500,000, 10-year level premium period policy. This arrangement answers their needs with $700,000 of term life insurance protection for the first 10 years, and $200,000 of protection for the next 10 years. The cost? For a 45-year-old male, the annual premium for the first 10 years, when both polices are in force is $770. Then, the annual premium decreases to $330 when only one policy is in force. 3 Laddering Coverage with Two Policies Over 20 Years Example: 45-Year old Male Potential Expenses First 10 Years Remaining mortgage $140,000 $0 College fund $40,000 N/A Final expenses (burial, credit card debt, etc.) Partial income replacement Second 10 Years $20,000 $30,000 $500,000 $170,000 Total Potential Need $700,000 $200,000 Annual Premium $770 $ Year Premium Total $7,700 $3,300 Total Premium Paid $11,000 over 20 years 2 United States Department of Agriculture, Expenditures on Children by Families, All annual premiums shown are based on individuals who qualify for the Preferred No Nicotine Use premium class. After the level premium period, premiums are not guaranteed and increase annually. Includes $50 annual policy fee. Rates for other underwriting classifications are higher. No Nicotine Use excludes use of nicotine and nicotine substitutes. For non-annual payments spread throughout the year, we adjust the premium by a modal factor consistent with an annual percentage rate of 8.2% (semi-annual), 10.8% (quarterly) or 10.8% (monthly pre-arranged withdrawals only). The yearly premium cost will be higher if your client pays semi-annually, quarterly or monthly. In certain cases, your client may be able to obtain more coverage for the same or lower premium. Please confirm that your client is obtaining the most coverage for the premium paid.

4 4 Colony Term Facts at-a-glance: Coverage Durations 10, 15 and 20 years 1 Minimum Specified Amount $50,000 at issue; $50,000 minimum in force (after decrease) Premium Bands Band 1: $50,000 - $99, Band 2: $100,000 - $199, Band 3: $200,000 - $499, Premium Classes Payment Options Annual Policy Fee $50 Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Band 4: $500,000 - $999, Band 5: >= $1,000,000 Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use We will send notices for annual, semi-annual and quarterly premiums. The yearly cost will be higher if premiums are paid semi-annually, quarterly, or monthly. For non-annual payments spread throughout the year, we adjust the premium by a modal factor consistent with an annual percentage rate of 8.2% (semi-annual), 10.8% (quarterly) or 10.8% (monthly pre-arranged withdrawals only). Monthly premiums can only be paid via electronic funds transfer. Maximum Issue Ages: Product Colony Term 10 Colony Term 15 Colony Term 20 All States (except those below) Male Female Male Female Male Female Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use Pennsylvania, Texas & Mississippi Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use

5 5 Product Colony Term 10 Colony Term 15 Colony Term 20 Maryland Male Female Male Female Male Female Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use New Jersey Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use Washington Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use

6 6 Riders Enhance the Value of Colony Term With three available riders, you can tailor and enhance the value of Colony Term 10, 15 and 20 protection. As individual situations require, your clients can benefit from the additional coverage provided by: Waiver of Premium Rider With this coverage, if your insured client becomes totally disabled, Genworth will waive premium payments that are due during the period of total disability. Rates change when the policy s premiums change. Rider coverage ends on the policy anniversary nearest the insured s 60th birthday. Children s Level Term Insurance Rider This rider provides the opportunity for your client to obtain term life insurance coverage for each dependent child (ages 15 days 23 years). Up to $10,000 coverage may be purchased in $1,000 increments. This additional coverage on a dependent child will end on the earlier of the child s 25th birthday or the policy anniversary nearest the insured s 65th birthday. This rider is not available in Vermont. Accelerated Death Benefit Rider With the addition of this rider, Genworth will provide a lump sum benefit if your insured client is diagnosed with a terminal illness that reduces life expectancy to 6 months or less in most states. There is a maximum benefit specified in the rider and there is no initial cost. Interest will be charged at the time of payment and an administrative fee will be deducted when the option is exercised. Availability varies by state.

7 7 Easier to Sell. Quicker to Close. Offer a Better Premium Class Genworth s target market is Main Street America, including prospects age 65 and below, with household incomes from $50,000 to $250,000. We can offer those prospects the best ratings possible because our 360 LifeView SM underwriting uses a clear, consistent methodology that focuses on the risk factors that are most meaningful in determining a client s underwriting class. 360 LifeView SM Credit Program We automatically evaluate the cases to see whether they are eligible for the 360 LifeView Credit Program. For cases that are Standard or better this can result in an applicant achieving an improvement of one premium class if they meet certain laboratory requirements. Top 10 Sweet Spots With 360ºLifeView SM Underwriting, we have redefined healthy so that in many cases, clients can get preferred premium classes for a wide variety of medical conditions, including: Life Quick Request SM Eliminate the need to track down underwriting requirements 50% reduction in cycle times 8% increase in placement rates 4 Faster paid commissions Fewer Attending Physician Statements Currently available via agency websites, ipipeline, Aplifi and WinFlex Web. epolicy Delivery Cut delivery time in half Easily approve and track every step of the process Stop chasing down delivery requirements Significantly reduce policy reissue time Build Total Cholesterol Blood Pressure Depression and Anxiety Sleep Apnea Ulcerative Colitis Asthma Arthritis Aviation Recreational Scuba Diving 4 As of February 27, 2012, cases processed through Life Quick Request had a median cycle time of 13 days from the day New Business receives the case to the day the policy is mailed and an 8% increase in placement ratio over paper applications (rolling 12-month average).

8 8 Genworth s Life Insurance Product Suite Colony Term The Traditional Term Solution GenGuard UL The No-Lapse Guarantee Solution Client Profile Duration-specific needs traditionally met by term life insurance Lifetime coverage and dial-down coverage Type of Insurance Term life insurance Universal life insurance Competitive Planned Premium Scenarios Level-pay scenario for 10, 15 and 20 years Single-pay, short-pay, and level-pay scenario, up to age 121 (policy will continue through insured s lifetime if policy in-force at age 121) Competitive Guaranteed Death Benefit 10, 15 and 20 years Based on client needs, dials down to any duration/age Minimum Specified Amount $50,000 $25,000 Cash Value No cash value Focus on death-benefit guarantees 5 Issue Ages 6 10-year: year: year: Signed Illustration Required No No Available on Life Quick Request SM Yes Yes 360 LifeView SM Underwriting Yes Yes Accepts 1035 Exchanges 7 No Yes Accepts 1035 Exchanges with Loan No No Available Riders Accelerated Death Benefit Rider Children s Level Term Insurance Rider Waiver of Premium Rider Accelerated Death Benefit Rider Accidental Death Benefit Rider Children s Level Term Insurance Rider Waiver of Specified Premium Rider Target/Commissions Competitive commissionable premiums Competitive rolling target 5 Death-benefit guarantee refers to a conditional guarantee that, if the conditions are met, can keep the policy in force even if policy values do not. Certain policy rights, if exercised, can end the guarantee. 6 Subject to state variations. Issue ages are age nearest birthday (Total Living Coverage is age last birthday) and may be limited by underwriting in certain states. Minimum issue age in OR is 18. Minimum issue age for Nicotine Use premium classes is 16.

9 9 Life Ready SM UL II Asset Builder Index UL Total Living Coverage The Current Assumption Solution The Protection and Accumulation Solution The Linked Benefits Solution Willing to accept interest rate and cost of insurance rate risk in exchange for an affordable combination of death benefit protection, competitive cash value accumulation and adaptability Universal life insurance Minimum planned premium to carry to age 121, coverage to age 100 also available (policy will continue through insured s lifetime if policy in-force at age 121) Clients seeking death benefit protection plus a source of tax-free supplemental income in later years Universal life insurance (with optional index interest crediting) Overfund to optimize policy value accumulation Combination of life insurance and long term care protection Universal life insurance (with long term care benefits) Single pay with lifetime guarantee 8 10 years for ages 25-84, otherwise varies by age 15 years Through lifetime Residual death benefit $50,000 $100,000 $50,000 Cash value growth without a long-term secondary guarantee Opportunity for significant cash value accumulation through multiple interestcrediting options Strong current cash value with lifetime return-of-premium after policy year 2 No Nicotine Use: 0-90 Nicotine Use: (18-80 in Oregon) Yes Yes Yes No Yes TLC Quick Request Yes Yes Yes Yes Yes Yes No No No Accelerated Death Benefit Rider Accidental Death Benefit Rider Children s Level Term Insurance Rider Waiver of Monthly Deduction Rider Competitive target No rolling target Accelerated Benefit Rider for Long Term Care Services Accelerated Death Benefit Rider for Terminal Illness Accidental Death Benefit Rider Children s Level Term Insurance Rider Overloan Protection Rider Waiver of Monthly Deduction Rider Competitive commission on base policy and long term care rider rolling targets Accelerated Benefit Rider for Long Term Care Services Extension of Benefits Rider for Long Term Care Services Guaranteed Minimum Benefit Rider Return of Premium Rider Competitive commission on entire premium 7 Signed guaranteed projection is required with 1035 exchange exchanges with loans are not accepted. 8 If no policy loans or partial withdrawals have been taken, and none are taken in the future, we will guarantee that the policy will not lapse. The Total Living Coverage built-in Guaranteed Minimum Benefit Rider (GMBR) helps protect your client from falling interest rates and rising costs of insurance by guaranteeing that a death benefit and long term care benefits are available. GMBR benefit levels automatically become effective if the net cash surrender value is insufficient to pay the cost of insurance and sufficient premium is not paid by the end of the grace period.

10 10 Notes

11 11 Trust our Experience and Expertise When it comes to buying life and long term care insurance, you have options. Here are reasons to consider Genworth: History Our roots go back to 1871 with the founding of The Life Insurance Company of Virginia. We pioneered long term care insurance in the early 1970s. Size and Strength Genworth Life and Annuity Insurance Company and Genworth Life Insurance Company have over $728 billion of life insurance in force as of December 2012 Innovation Genworth is an industry leader in the development of universal life insurance and long term care insurance products. Our years of experience have allowed us to design products and services to fit our customers needs and budgets, and help protect them and their loved ones. Service In 2012, Genworth won DALBAR s Annuity Service Award for the seventh consecutive year and its Life Service Award for the second consecutive year. The DALBAR Award signifies achievement of the highest tier of service to customers within the financial services industry. Genworth scored higher than all other life insurance firms tested.

12 Genworth and their representatives and distributors do not provide tax or legal advice. Your client should ask their independent tax and legal advisors for advice based on their particular situation. Examples and quotes are hypothetical and used only to help you understand the ideas. They may not reflect your client s particular circumstances. Refer to the policy for definitions and more details regarding coverage and its features. This brochure is only a summary of coverage. Policy terms and provisions will prevail. All products, their riders, and benefits are subject to the terms and conditions of their policy forms and to state availability and issue limitations. Colony Term has guaranteed level premiums for the selected periods of 10, 15 and 20 years. After the level premium period, premiums are not guaranteed and increase annually subject to maximums stated in the policies. Benefits for all policies cease at the policy anniversary nearest the insured s 98th birthday (in MD, the insured s 95th birthday). Colony Term is subject to Policy Form No (96) et al. or 1421 et al. (Genworth Life & Annuity) or Policy Form No. GE-1420 et al. (Genworth Life). The name Colony used with life insurance products is a Genworth service mark. Total Living Coverage is underwritten by Genworth Life Insurance Company, Richmond, VA. Total Living Coverage universal life insurance with long term care benefits is subject to Policy Form No. ICC12-GL5000 and Rider Form Nos. ICC12-GL500R, ICC12-GL501R, ICC12-GL502R, and ICC12- GL503R or Policy Form No. GL et al. and Rider Form Nos. GL500R 0212 et al., GL501R 0212 et al., GL502R 0212 et al., and GL503R 0212 et al. This applies to the new Total Living Coverage product launched in Life Ready SM UL II is a flexible-premium, adjustable life insurance policy (commonly known as universal life insurance) subject to Policy Form No. GLAULLRII0807 et al. (Genworth Life & Annuity) or GLIULLRII0807 et al. (Genworth Life). GenGuard UL is a flexible-premium, adjustable life insurance policy (commonly known as universal life insurance) subject to Policy Form No. GA et al. or ICC09GA1000 (Genworth Life & Annuity) or Policy Form No. GL et al. or ICC09GL1000 (Genworth Life). Asset Builder Index UL is flexible premium adjustable life insurance (commonly called universal life insurance) with optional index crediting. Asset Builder Index UL is subject to Policy Form No. ICC12GA1004, ICC12GA1005, GA et al., or GA et al. Rider Form Nos. ICC12GA108R or GA108R-1012 et al.; ICC12GA109R or GA109R-1212 et al.; ICC12GA111R or GA111R-1012 et al.; ONE-ADB et al.; ONE-CIR-100 et al.; ONE-WP-TL et al. (Genworth Life & Annuity) or Policy Form No. ICC12GL1004, ICC12GL1005, GL et al., or GL et al. Rider Form Nos. ICC12GL108R or GL108R-1012 et al.; ICC12GL109R or GL109R-1212 et al.; ICC12GL111R or GL111R-1012 et al.; GE-ONE-ADB et al.; GE-ONE- CIR-100 et al.; GE-ONE-WP-TL et al. (Genworth Life). All guarantees are based on the claims-paying ability of the issuing insurance company. Insurance and Are not deposits. Are not insured by the FDIC or any other federal government agency. annuity products: May decrease in value. Are not guaranteed by a bank or its affiliates Genworth Financial, Inc. All rights reserved.