Genworth Life Insurance

About Genworth Financial

One of the most expansive insurance and financial companies in the US today, Genworth Financial has also established prominence in the worldwide market as well, with an overall customer base of over 15 million members. Established in 1871, Genworth today is part of the GE companies network, with assets totaling over $105 billion. Companies such as the American Mayflower Insurance Company of New York and First Colony Life Insurance are just two of Genworth's subdivisions.

Genworth Financial Life Insurance Plans

Genworth Financial offers a vast array of insurance options, including the standard term, whole, and fixed or variable universal life plans. With regards to term plans, they offer the following options:

• SureTerm Series: Allows for premiums to be paid through age 97, providing a level death benefit with a guaranteed level premium for a selected term..
• VantagePoint SM Series: Offers initial level premium periods of 15, 20 or 30-year terms. These premiums increase annually to age 95 once the term ends.
• Colony Series: Coverage extends to age 97. Terms in the range of 5, 10, 15, 20 or 30 years are available, with level premiums for a selected period, after which annual increases apply for the remainder of the policy.
• CorporateTerm SM: Specifically formulated for the workplace to insure key personnel. This product has a unique pricing structure available only through this Genworth.
• Optional Riders: includes a waiver of premium rider, a children's insurance rider, an accelerated death benefit rider, and differentiated cash value riders offering a return and can be borrowed against. Any insured who survive the term period will receive a sum equal to all premiums paid, minus any flat extra premium and outstanding loan amounts. The face value of the policy is paid at the time of the insured's death. In the event that the loan balance exceeds the rider cash value, the policy ends.

The plans listed above are available through the Genworth company or their subsidiaries.

Genworth Financial Ratings

A.M. Best: A+ (Superior)
Standard and Poor's: AA- (Very strong)
Moody's Investors Service: Aa3 (Excellent)

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