LTC Insurance Carrier and Product News

Genworth Financial News Bulletin January 7th, 2011

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News Bulletin Sales & Marketing  | Compliance/Regulatory | Product Updates | Operations |  Rate Information | Materials & Forms January 7, 2011   Important Product Update from Buck Stinson Read more  Helping a Clients Use an HSA to Pay Long Term Care Insurance (LTCI) Premiums Read more No new information.   No rate change information for this week. Discontinued Documents Report Click here to view the Discontinued Documents Report 24/7. Genworth Financial companies include:  Genworth Life and Annuity Insurance Company, Richmond, VA  Genworth Life Insurance Company, Richmond, VA  Genworth Life Insurance Company of New York, 666 Third Avenue, 9th Floor, New York, NY 10017  Only Genworth Life Insurance Company of New York is licensed to conduct business in New York.  Variable products issued by Genworth Life and Annuity Insurance Company  and in New York by Genworth Life Insurance Company of New York.  Principal Underwriter: Capital Brokerage Corporation (dba Genworth Financial Brokerage Corporation in Indiana)  6620 West Broad Street, Building 2, Richmond, VA 23230, Member FINRA  Important Message: You have been designated to receive these communications on behalf of your agency. If you are not the current contact for this information, please share this communication with the appropriate individual at your agency. Receipt by you is deemed to be receipt by your agency. If you need to notify Genworth Financial of additional contacts, updated e-mail addresses, or any other changes related to these communications, please e-mail: BGASalesContracting@genworth.com FOR BROKER/AGENT USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC. © 2010 Genworth Financial, Inc. All Rights Reserved. Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc. 50555 02/05/10

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TLC interest rate adjustment

Genworth is reducing the interest crediting rate - please see the attached notice.

Download TLC Int Rate Reduction11-15 pdf

Genworth Total Living Coverage Annuity - new prospecting material

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Earlier this year, we launched Total Living Coverage® Annuity (TLCA). TLCA is a Linked Benefit product from Genworth Life Insurance Company that combines the safety and tax-deferred growth of a non-qualified Single Premium Deferred Annuity (SPDA) with a long term care insurance rider based on Genworth Life's Privileged Choice® long term care insurance (LTCI).* TLCA is a tax-efficient way to leverage clients' assets and add long term care protection to their retirement portfolios. Linked benefit products have seen unprecedented growth in the past year and will continue to grow as a great option for reallocating assets to create a pool of long term care benefits. Our prospecting letter is approved for consumer use in AL, AK, AR, CO, DE, DC, GA, IL, IN, IA, MN, MO, NM, ND, RI, SC, SD, TN, UT, WV, WY. It can help producers start the conversation with existing and prospective clients about the importance of having a financial security plan in place. The majority of clients and couples are self-insuring against the risks of needing long term care. TLCA can be an outstanding way for clients to maintain control of their assets but also leverage them to help protect against the financial and emotional burdens of long term care. Please forward this prospecting letter to your producers who are interested in helping their clients add long term care protection to their portfolios. We look forward to working with you to take advantage of the tremendous growth opportunities available with TLCA. Your Genworth Sales Team   P.S. Don't forget you can calculate an annuitant's coverage using the TLCA Express Quote calculation tool. *Based on Privileged Choice with claims offset and without survivorship. FOR PRODUCER USE ONLY.  NOT FOR PUBLIC USE OR DISTRIBUTION. ©2004 -- 2010 Genworth Financial, Inc. All rights reserved. 111980  10/04/10

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Genworth TLC - Take a Look at Total Living Coverage

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Take A Look at Total Living Coverage® (TLC)

1 Smart Move, 3 Distinct Options For Your Clients Their Care is Covered If they have a long term care (LTC) event, TLC leverages their initial premium on average 6 times, to pay covered long term care expenses.  Their Life is Covered If they don't need LTC insurance, TLC pays an income tax-free death benefit to their beneficiary, which averages 2 times their initial premium.  Their Decision is Covered If they have a change in plans and decide not to keep the TLC policy before the end of the 15th policy year, they will get back at least their initial premium (less any LTC benefits already received.) * Reposition your clients' assets into TLC and give them greater value.  Doing business with Genworth Life Insurance Company is easier than ever -- with improved illustrations and a new application.   Updated illustration with features and changes agents have been asking for: Added a summary of coverage options page to enhance the sales process Added an Internal Rate of Return page to better highlight TLC advantages versus the leading competitor Simplified the TLC summary chart    New application provides more value by: Combining the Life Part I application and the LTC Supplemental application to reduce redundancies Providing a more streamlined design making it more user friendly Improving the organization of the packets.  All signed forms are now separated from the "leave behind" forms -- no need to shuffle papers.  To learn more about TLC, please visit genworth.com/tlc.    Use these marketing materials to help you grow your business.  Consumer Materials                 Consumer Brochure 49557     Consumer Advantage Brochure 109406                 Producer Materials                 Sales & Features Brochure 49582     Quick Reference Guide 107247                     State Differences Matrix 49694     Repositioning for Greater Value CD Case Study 109983   Underwritten by Genworth Life Insurance Company, Richmond, VA    Total Living Coverage is universal life insurance with long term care benefits and 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. or ULRGMBRIPGLI (07/09) et al. Policy, benefits and riders may not all be available in all states. Terms and conditions may vary by state.   All Guarantees are based on the claims-paying ability of the issuing insurance company.   *With Genworth Life Insurance Company's Return of Premium Rider you are guaranteed, during the first 15 policy years, to receive at least your initial premium back. The return of premium feature guarantee exists as long as you haven't taken loans or partial withdrawals. If you've received any covered long term care benefits, the amount refunded is reduced by the total benefits paid. This optional rider requires a higher initial premium and is only available at application.     Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc. FOR PRODUCER/AGENT BROKER/DEALER USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC. 112583  09/23/10

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Genworth TLC New York

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Take A Look at Total Living Coverage® (TLC)

1 Smart Move, 3 Distinct Options For Your Clients Their Care is Covered If they have a long term care event, TLC leverages their initial premium on average 6 times, to pay covered nursing home and home care (NHHC) expenses.  Their Life is Covered If they don't need NHHC insurance, TLC pays an income tax-free death benefit to their beneficiary, which averages 2 times their initial premium.  Their Decision is Covered If they have a change in plans and decide not to keep the TLC policy before the end of the 15th policy year, they will get back at least their initial premium (less any NHHC benefits already received.) * Reposition your clients' assets into TLC and give them greater value.  Doing business with Genworth Life Insurance Company is easier than ever -- with improved illustrations and a new application.   Updated illustration with features and changes agents have been asking for: Added a summary of coverage options page to enhance the sales process Added an Internal Rate of Return page to better highlight TLC advantages versus the leading competitor Simplified the TLC summary chart    New application provides more value by: Combining the Life Part I application and the NHHC Supplemental application to reduce redundancies Providing a more streamlined design making it more user friendly Improving the organization of the packets.  All signed forms are now separated from the "leave behind" forms -- no need to shuffle papers.  To learn more about TLC, please visit genworth.com/tlc.    Use these marketing materials to help you grow your business.  Consumer Materials                 Consumer Brochure  49557NY     Consumer Advantage Brochure 109406NY                 Producer Materials                 Sales & Features Brochure 49582NY     Quick Reference Guide 107247 (NY version coming soon)                     State Differences Matrix 49694     Repositioning for Greater Value CD Case Study 109983 (NY version coming soon)   Underwritten by Genworth Life Insurance Company of New York, New York, NY  Total Living Coverage is universal life insurance with nursing home and home care benefits and is subject to the terms, issue limitations and conditions of Policy Form No. ULPLTCIPGLI NY (11/05) and Rider Form Nos. ULRABRIPGLI NY (11/05), ULREBRIPGLI NY (11/05) and ULRROPIPGLI NY (11/05) or ULRGMBRIPGLI NY (07/09).    All Guarantees are based on the claims-paying ability of the issuing insurance company.   *With Genworth Life Insurance Company of New York's Return of Premium Rider you are guaranteed, during the first 15 policy years, to receive at least your initial premium back. The return of premium feature guarantee exists as long as you haven't taken loans or partial withdrawals. If you've received any covered nursing home and home care benefits, the amount refunded is reduced by the total benefits paid.     Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc. FOR PRODUCER/AGENT BROKER/DEALER USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC. 112583NY  09/23/10

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New Genworth TLCA Tools Available

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New TLCA Sales Tools Now Available  We are pleased to introduce two more exciting sales resources to help you help more clients with Total Living Coverage® Annuity (TLCA)! Genworth now offers TLCA Express Quote, a simple, online tool that delivers a quick overview of TLCA benefits with a few keystrokes. You can access TLCA Express Quote directly at http://tlc.winflexweb.com/tlca.aspx. TLCA Express Quote and the TLCA ExpressApp help to provide a quick and convenient TLCA application process for producers and their clients. The second TLCA case study in our series features a couple who is conservative with their assets and wants to remain in control of their money. They consider TLCA, which offers the tax-deferred growth of a fixed single-premium annuity with the additional security of a long term care insurance rider. Click here for the full story. Contact your Genworth Sales Team if you have any questions.

Underwritten by Genworth Life Insurance Company, Richmond, VA   Total Living Coverage Annuity single premium deferred annuity with long term care benefits is subject to Policy Form No. SPDAPLTC 1108 et al. or SPDAPLTC 806 et. al. and Rider Form No. SPDARLTC 1108 et al or SPDARLTC 806 et. al.      Product may not be available in all states. Terms and conditions may vary by state.   Charges for the long term care insurance rider are deducted monthly from the Annuity Value. Covered claims are paid first from Annuity Value and then from company dollars.      Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc. FOR PRODUCER/AGENT BROKER/DEALER USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC. 108148html 08/11/10

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John Hancock LifeCare Life/LTC plan now approved in Minnesota

John Hancock LifeCare is now approved in 44 states.  Here is the notice of Minnesota approved:Download 11960 LifeCare simple route MN July 9

Genworth Total Living Coverage Annuity - Help Protect Your Future

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Turn Your Sales Volume Up With Total Living Coverage® Annuity   As you head into the second half of the year, now is a great time for helpful tools to crank up your sales to the next level.     Genworth Life Insurance Company has developed a marketing campaign for its newest Linked Benefit product, Total Living Coverage® Annuity (TLCA), designed to:  Help clients re-allocate assets to purchase TLCA Identify ways to use TLCA to solve for a variety of client needs Generate additional sales opportunities   Genworth Life will provide, over the next few months, a series of case studies outlining different TLCA sales opportunities to help you and your clients understand the value of TLCA.     Check out this first case study, which explains how a couple used a re-allocation strategy with TLCA to add long term protection to their financial strategy.     We look forward to partnering with you on this campaign and are confident that it will have lasting benefits for you, your producers and their clients.

Underwritten by Genworth Life Insurance Company, Richmond, VA   Total Living Coverage Annuity single premium deferred annuity with long term care benefits is subject to Policy Form No. SPDAPLTC 1108 et al. or SPDAPLTC 806 et. al. and Rider Form No. SPDARLTC 1108 et al or SPDARLTC 806 et. al.      Product may not be available in all states. Terms and conditions may vary by state.   Charges for the long term care insurance rider are deducted monthly from the Annuity Value. Covered claims are paid first from Annuity Value and then from company dollars.      Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc. FOR PRODUCER/AGENT BROKER/DEALER USE ONLY. NOT TO BE REPRODUCED OR SHOWN TO THE PUBLIC. 108148 06/17/2010

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8 Facts about MoneyGuard Reserve

Download 8 facts about Money Guard