Training Guide. Quick App. <Name> <Date> Genworth Life Insurance Company, Lynchburg, VA
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1 Quick App <Name> Training Guide <Date> Genworth Life Insurance Company, Lynchburg, VA 2PP FOR PRODUCER/AGENT USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC Genworth Financial, Inc. All rights reserved.
2 What is Quick App? Makes Application Process Easier for Consumers and Agents Online tool Quotes premium rates Quotes up to three different face amounts at one time Choice of term or universal life insurance Stores information for many applicants during one online session Submits life insurance coverage request We check to see if agent is licensed and appointed in pre-appointment states.* Helps ensure life insurance application parts 1 and 2 are fully completed Gathers correct forms for client signature Schedules paramedical exam * Option to check that agent is appointed to sell insurance products for the Genworth Financial companies in all other states, if requested. 1
3 Benefits of Quick App Benefits of Quick App Web Tool If entering multiple leads, Quick App can store information throughout the session Ensures restricted products and durations are not sold Ensures application is properly completed Benefits of Fulfillment Services Completes Applications Part I and Part II Schedules Paramedical Exam Scrubs completed app package before sending it electronically to Genworth Automatically gathers statespecific application and forms 2
4 How To Use Quick App Agent Quick App Agent Quick App Log on through Firm s intranet site. Provides up to three quotes Enter client contact information Assigns reference number for tracking Enter client underwriting information, including nicotine use, and product desired. Submit Insurance Request Form Will receive reference number for tracking Submits data electronically to: -- Firm -- Genworth Fulfillment Center 3
5 Quick App Fulfillment Services Contacts Client Completes interview Application Parts 1, 2 completed Mails Application Package to Client to Sign & Return Schedules Paramedical Exam Client Signs Forms in App package and returns it. Ensures App package is complete. Sends images to Genworth Contacts within 24 hours Makes 10 tries within 5 days Agent is notified after 5 days if cannot reach client. Mailed via 2-day air express Client is provided with return air express envelope You ll know the status of the application Fulfillment Center s you at key milestones. 4
6 Quick App Term Life Insurance Sure Term 5/10/15/20/30 Guaranteed level premium term life for 5, 10, 15, 20 or 30 years. Level Maximum issue ages are different in NJ. MD, PA, TX and WA limit the maximum issue age for certain underwriting classes. 5
7 Materials for Consumers What Happens Next brochure 2SB Term Life Insurance flier 2RB When do you need term life insurance reply mailer 2RM
8 Quick App Universal Life Insurance Lifetime FlexPlus SM No maturity age monthly deductions stop after age 100 Current interest rates credited to policy cash values Minimum interest rate credited will be 3% annual effective rate 7
9 Quick App Universal Life Insurance Lifetime Guarantee 1 Satisfying the Designated Monthly Premium requirement provides a lifetime guarantee that the policy will not lapse. Death Benefit Option 1 only. 10-Year Minimum Monthly Premium Guarantee Paying the Minimum Monthly Premium guarantees the death benefit for 10 years from the policy date (five years for issue ages 81-90). Unlimited Rolling Target Premiums Higher than planned level premiums for lifetime guarantee in most cases. 8
10 Quick App Universal Life Insurance How Lifetime Guarantee Works: Guarantee is active when: actual accumulated premiums paid equals or exceeds required accumulated premiums. The guarantee terminates if: Specified amount is increased or Death Benefit Option is changed or Policy terminates in accordance with policy provisions. Policy loans and partial withdrawals put status in jeopardy The lifetime guarantee cannot be reinstated, even if the policy is reinstated. 9
11 Quick App Universal Life Insurance Lifetime guarantee and policy values calculations are separate, providing extra flexibility: Late payment advantage Premiums are treated as if they are received on 1 st day of policy month, no matter when they arrive during the policy month Helps clients avoid having to catch up 2 Backdating Before putting a backdated policy in force, we request payment of the portion of the illustrated premium that applies to the backdated period. That payment, if paid before the policy is put in force, will count toward the lifetime guarantee from the first day of the policy. Premium payments are credited to policy values on the date received. 10
12 Quick App Universal Life Insurance Unlimited catch-up 2 protects the Lifetime Guarantee Unrestricted period of time in which to catch up Can catch up any number of times Amount needed to catch up is easy to determine Catch-up cost increases at a faster rate as time goes on Available as long as the lifetime guarantee has not terminated 11
13 Materials for Consumers What Happens Next brochure 2SB Flexible, Affordable Lifetime Coverage brochure 1SB Lifetime Protection reply mailer 1RM
14 Contact Information Internal Sales Support Team , x5555, option 1 Available Monday-Friday 8:30 AM-6:00 PM EST Helps You Navigate Quick App Web Tool Quotes, Product Questions, Rates, Sales Ideas In Force Policy Questions , x5100, option 3 Mailing Address: Genworth Financial 3100 Albert Lankford Drive Lynchburg, VA
15 Quick App Online Application Tool 14
16 Get A Quote 15
17 Get A Quote screen continues 16
18 Quote Results 17
19 Quote Results screen continues 18
20 Submit Request first screen 19
21 Submit Request second screen 20
22 Submit Request second screen continues 21
23 Request Agency Name name 22
24 Request screen continues 23
25 Request screen pop-up 24
26 Confirmation Screen Agency Name 25
27 Confirmation Screen screen continues 26
28 What Happens Next 27
29 Important Information Genworth Life Insurance Company underwrites Sure Term 5/10/15/20/30 (Policy Form No. GE-1420 et al.) and Lifetime FlexPlus (ULGE02SP et al.) To accurately present the product you must fully understand its features, benefits and limitations, which are in the product s latest feature guide. All products, their riders and benefits are subject to their policy forms and to state availability and issue limitations. For Sure Term, after the guaranteed level premium period, premiums are not guaranteed and increase annually. In certain instances, face amounts near the upper part of a band may have higher premiums than the minimum face amount of the next higher band. 1. Lifetime Guarantee refers to the policy s Designated Monthly Premium Guarantee, which is a conditional guarantee that keeps the policy in force when policy values are too small to do so. Certain policy rights, if exercised by the Owner, will end this guarantee. In addition, an unpaid loan may terminate coverage. 2. Catch Up includes an accumulation factor equivalent to an annual effective rate of 15%. This factor will significantly increase the catch-up cost over time. 28
30 29
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