Genworth Financial Term Life Insurance Products

Sure Term 5: 50-80
Sure Term 10: 0-80, except for
.....Male and Female Preferred Nicotine Use ages: 15-80
.....Male and Female Standard Plus Nicotine Use ages: 15–80
.....Male and Female Standard Nicotine Use ages: 15–80
Sure Term 15: 0-75, except for
.....Male and Female Preferred Nicotine Use ages: 15–75
.....Male Standard Plus Nicotine Use ages: 15–72
.....Female Standard Plus Nicotine Use ages: 15–75
.....Male Standard Nicotine Use ages: 15-70
.....Female Standard Nicotine Use ages: 15–73
Sure Term 20: 0-65, except for
.....Male and Female Preferred Nicotine Use ages: 15–65
.....Male Standard Plus Nicotine Use ages: 15–63
.....Female Standard Plus Nicotine Use ages: 15–65
.....Male Standard Nicotine Use ages: 15–62
.....Female Standard Nicotine Use ages: 15–65
Sure Term 30: 0-50, except for
.....Male and Female Preferred Nicotine Use ages: 15-50
.....Male Standard Plus Nicotine Use ages: 15-45
.....Female Standard Plus Nicotine Use ages: 15–50
.....Male Standard Nicotine Use ages: 15-45
.....Female Standard Nicotine Use ages: 15–50

For New Jersey:

Sure Term 5: 50-80
Sure Term 10: 0-77
Sure Term 15: 0-67
Sure Term 20: 0-60
Sure Term 30: 0-38

***See rate brochure for details on state variations and limitations on issue ages by underwriting classifications in PA, TX, & WA.

Waiver of Premium Rider (WP)* – Each premium payment which falls due while the insured is totally disabled will be waived. WP rates change when the policy’s premium changes. The rider terminates on the policy anniversary nearest the insured’s 60th birthday.

Issue Ages:
5-year term………….….50–55
10/15/20- year term……15–55
30-year term…………...15–50 (15–38 in New Jersey)
*Not available in New Jersey, Oklahoma, Pennsylvania, and Vermont.

Children’s Insurance Rider (CIR)* – CIR provides term life insurance for each dependent child age 15 days – 18 years. Up to $10,000 coverage may be purchased in $1,000 increments. Dependent child coverage terminates on the earlier of the child’s 21st birthday or the policy anniversary nearest the insured’s 65th birthday. CIR rate - $5.50 per $1,000 coverage.

Issue Ages:
5-year term………….….50–55
10/15/20- year term……18–55
30-year term……… …..18–50 (18–38 in New Jersey)

When both the Waiver of Premium and CIR riders are in force, an additional amount is added to the CIR rate shown above. This additional amount serves as a waiver of premium for the CIR rider and is determined by the insured’s age nearest birthday, as depicted below. This additional amount will remain level for all the years the WP rider is in effect.

Ages       Added annual charge (per $1,000 coverage)

18–29                      .06

30–39                      .11

40–49                      .18

50–55                      .27

Accelerated Death Benefit Rider (ADB)* – Provides a lump sum benefit upon diagnosis of a terminal illness that reduces life expectancy to 6 months or less (in most states). Maximum benefit is the difference between (1) and (2): (1) An amount equal to the lessor of (a) $500,000 and (b) the policy loan balance plus 75% of the difference between the death benefit and the policy loan balance. (2) The policy loan balance. The maximum aggregate amount of accelerated death benefit payment the company will make under all policies issued by the company on the insured’s life is $500,000. No initial cost. Interest is charged at the time of payment. An administration fee is deducted when the option is exercised.
*Not available in Alaska, Indiana, New Jersey, Oklahoma, Pennsylvania, Texas, and Vermont.

New Jersey Requalification Ages
5-year term: Ages 50–70
10-year term: Ages 0–67
15-year term: Ages 0–52
20-year term: Ages 0–40
30-year term: Not available

Ages 0-64
Impairments: No diseases, disorders or activities that would affect mortality.

Family History: No cardiovascular or cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60.

Cholesterol: (treated or untreated) Cholesterol 240 maximum.

CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 5.0.

Blood Pressure: No current, or history of, blood pressure treatment or medication. No current, or history of, blood pressure readings in excess of:
• 140/85 Age 60 or Younger
• 150/90 Age 61 or Older

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse.

Cancer History Preferred Best not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

Ages 65 and Older:
Impairments: No diseases, disorders or activities that would affect mortality.

Family History: For ages 65-74:
• No cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60.

For ages 75 or older:
• No family history limitation.

Cholesterol: (treated or untreated)
• Total cholesterol between 150 and 300 mg/dl.
• HDL greater than or equal to 45mg/dl.

Blood Pressure:
• No current, or history of, blood pressure treatment or medication.
• No current, or history of, blood pressure readings in excess of 150/90.

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse.

Cancer History: Preferred Best not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

Preferred Criteria:

Ages 0-64:

Impairments: No diseases, disorders or activities that would affect mortality.

Family History: For either parent, no cardiovascular or cancer death on or before age 60.

Cholesterol: (treated or untreated); Cholesterol 270 maximum.

CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 6.0.

Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed:
• 140/90 Age 60 or Younger
• 150/90 Age 61 or Older

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years.

Cancer History: Preferred not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

Ages 65 and Older:

Impairments: No diseases, disorders or activities that would affect mortality.

Family History:
For ages 65-74:
• No cancer death in either parent on or before age 60.

For ages 75 or older:
• No family history limitation.

Cholesterol: (treated or untreated)
• Total cholesterol between 150 and 300 mg/dl.
• HDL greater than or equal to 40mg/dl.

Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 150/90.

Driving History No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years.

Cancer History: Preferred not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

Select Criteria:

Ages 0-64

Impairments: No diseases, disorders or activities that would affect mortality.

Family History: Not more than one cardiovascular death in parents on or before age 60.

Cholesterol: (treated or untreated); Cholesterol 285 maximum.

CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 7.0.

Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed:
• 150/90 Age 60 or Younger
• 155/95 Age 61 or Older

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years.

Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation Coverage available; however, may require flat extra.

Ages 65 and Older

Impairments: No diseases, disorders or activities that would affect mortality.

Family History: For ages 65 and older:
• No family history limitation.

Cholesterol: (treated or untreated)
• Total cholesterol between 150 and 300 mg/dl.
• HDL greater than or equal to 35mg/dl.

Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 155/95.

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years.

Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma).

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation Coverage available; however, may require flat extra.

Standarad Plus Criteria:

Ages 0-64

Impairments: No diseases, disorders or activities that would affect mortality.

Family History: Not more than one cardiovascular death in parents on or before age 60.

Cholesterol (treated or untreated); Cholesterol 300 maximum.

CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 8.0.

Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed:
• 155/95 Age 60 or Younger
• 60/95 Age 61 or Older

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years.

Cancer History: Coverage may be available based on specific cancer history.

Aviation: Flat extra (available in most cases) or exclusion rider.

Ages 65 and Older

Impairments: No diseases, disorders or activities that would affect mortality.

Family History: For ages 65 and older:
• No family history limitation.

Cholesterol: (treated or untreated) • Total Cholesterol between 150 and 300 mg/dl.
• HDL greater than or equal to 35mg/dl.

Blood Pressure: Currently controlled (treated or untreated) and average reading last 2 years does not exceed 160/95.

Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in 7 years.

Cancer History: Coverage may be available based on specific cancer history.

Aviation: Flat extra (available in most cases) or exclusion rider.

Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.