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 /16/14 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 is our short-form ticket process. This innovation frees you from tracking down most 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 one 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: Competitive Planned Premium Scenarios Minimum Specified Amount Level-pay scenario 10, 15 and 20 years 1 $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 Vermont 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. This rider needs to be elected at the time of application, and cannot be added later. 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 This rider is automatically included and cannot be removed. Genworth will provide a lump sum benefit if your insured client is diagnosed with a terminal illness that reduces life expectancy to six months or less in most states. There is a maximum benefit specified in the rider and there is no initial cost. The benefit payment becomes a lien against the policy. Interest accrues on the lien amount, 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 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 Eliminate the need to track down most 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 1, 2014, cases processed through Life Quick Request had a median cycle time of 13 days for term life insurance and 16 days for universal life insurance cases from the day New Business receives the case to the day the policy is mailed. Term cases with face amounts greater than $100,000 have an 8% increase in placement ratio over paper applications (rolling 12-month average).
8 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 $707 billion of life insurance in force as of December Innovation Genworth is an industry leader in the development of 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 2013, Genworth won DALBAR s Annuity Service Award for the eighth consecutive year and its Life Service Award for the third 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. 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 provides 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. 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.
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