Colony Term. The Traditional Term Life Insurance Solution. Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company,

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1 Producer Information I Colony Term I Life Insurance Colony Term The Traditional Term Life Insurance Solution Life insurance products underwritten by: Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company, Richmond, VA, /9/2 For producer/agent information only. Not to be reproduced or shown to the public.

2 Colony Term Life Insurance Colony Term life insurance provides affordable protection for a specific period of time 0, 5 or 20 years. The power of two policies Combine the protection of a $500,000, 0-year Colony Term policy with a $200,000, 20-year Colony Term policy to ladder coverage as needed. For a 45-year old male, the annual premium for the first 0 years, when both policies are in force, is $500, and it decreases to $374 per year when only one policy is in force for the next 0 years. Key Advantages: Household Expenses First 0 Years In 20 Years Most coverage for the lowest premium Guaranteed death benefit for the specified duration Predictable premiums during the initial period Easy to understand Simple to Sell: Less paperwork Life Quick Request SM lets you gather basic information and Genworth does the rest Remaining mortgage $40,000 $0 College fund $40,000 N/A Final expenses (burial, credit card debt, etc.) Partial income replacement $20,000 $30,000 $500,000 $70,000 Total $700,000 $200,000 All annual premiums shown are based on individuals who qualify for the Preferred No Nicotine Use underwriting classification. Expenses Continue Even If Income Stops 360ºLifeView SM Underwriting Offers clients the best ratings possible Underwriting Sweet Spots Clients with mild forms of some medical conditions may qualify as preferred Loss of a primary wage earner or stay-at-home parent can be the biggest challenge a family will ever face. The U.S. Department of Agriculture estimates the cost of raising a child to age 7 to be nearly $300,000, not including college tuition. United States Department of Agriculture, Expenditures on Children by Families, 20 Subject to state variations.

3 Colony Term Facts at-a-glance: Issue Ages (In Oregon, the youngest issue age begins at 8.) Coverage Durations Product 0-Year 5-Year 20-Year 0, 5 and 20 years Issue Ages Minimum Specified Amount $50,000 at issue; $50,000 minimum in force (after decrease) Premium Bands Band : $50,000 - $99, Band 2: $00,000 - $99, Band 3: $200,000 - $499, Band 4: $500,000 - $999, Band 5: >= $,000,000 Underwriting Classes Preferred Best No Nicotine Use Preferred No Nicotine Use Select No Nicotine Use Standard No Nicotine Use Preferred Nicotine Use Standard Nicotine Use Payment Options We will send notices for annual, semi-annual and quarterly planned premiums. The yearly cost will be higher if premiums are paid semi-annually, quarterly, or monthly. Monthly planned premiums can only be paid via electronic funds transfer. Annual Policy Fee $50 Riders Enhance the Value of Colony Term With three available riders, you can tailor and enhance the value of Colony Term 0, 5 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 disability period. Rates change when the policy s premiums change. Rider coverage ends on the policy anniversary nearest the insured s 60th birthday. 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 5 days 23 years). Up to $0,000 coverage may be purchased in $,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 With the addition of this rider, Genworth will provide a lump sum benefit if your insured client is diagnosed with a terminal illness that reduces life expectancy to 6 months or less in most states. The maximum benefit under this rider is $500,000 and there is no initial cost. Interest will be charged at the time of payment and an administrative fee will be deducted when the option is exercised. Availability varies by legal entity. Subject to state variations.

4 Processing & Underwriting Reinvented Life Quick Request SM Life Quick Request streamlines the application process by allowing you to collect basic information from your client and then delegate the rest of the administrative tasks to Genworth. It s a better, faster, more effective process. You get paid more: Placement ratios increase by up to 8% You are paid faster: Reduced cycle times mean expedited commission payments You receive full commissions without the administrative hassles You have more time to devote to selling Consider the time savings of Life Quick Request compared to taking a paper application, in the chart to the right. Using Life Quick Request, you could save enough time during one interview to conduct a second one or prospect for new clients! Experience the positive, productive difference. Go to your agency s website and submit a ticket or ask for more information. Paper Application Life Quick Request Ticket Drive to/from client s home 30 minutes 30 minutes Needs analysis 20 minutes 20 minutes Complete application with client Review application, complete agent information, copy and mail application to agency 30 minutes N/A 30 minutes N/A Complete online form N/A 5 minutes Schedule client paramedical exam Underwriting follow up: requests for additional information, voic s, phone messages, callbacks, etc. Time spent: Interview to policy issue 0 minutes N/A 45 minutes N/A 2 hours, 45 minutes hour, 5 minutes Time saved hour, 40 minutes 360 LifeView SM Underwriting Genworth s target market is Main Street America, including 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. Top 0 Sweet Spots With 360ºLifeView SM Underwriting, we have redefined healthy so that in many cases, clients can get preferred rate classes for a wide variety of medical conditions, including: Build Total Cholesterol Blood Pressure Depression and Anxiety Sleep Apnea Ulcerative Colitis Asthma Arthritis Aviation Recreational Scuba Diving As of February 27, 202, cases processed through Life Quick Request had a median cycle time of 3 days from the day New Business receives the case to the day the policy is mailed and an 8% increase in placement ratio over paper applications (rolling 2-month average).

5 Genworth s Life Insurance Product Suite Client Profile Colony Term GenGuard UL Life Ready SM UL II Total Living Coverage The Traditional Term Life Insurance Solution The Short & Level-Pay Solution The Current Assumption Solution The Linked Benefits Solution Duration-specific needs traditionally met by term life insurance Lifetime coverage and dial-down coverage Willing to accept interest rate and cost of insurance rate risk in exchange for an affordable combination of death benefit protection, competitive cash value accumulation and adaptability Combination of life insurance and long term care protection Most Competitive Planned Premium Scenarios Level-pay scenario for 0, 5 and 20 years Single-pay, short-pay, and level-pay scenario, up to age 2 Minimum premium to carry to age 2, coverage to age 00 also available Single pay with lifetime guarantee Most Competitive Guaranteed Death Benefit 0, 5 and 20 years Based on client needs, dials down to any duration/age Target premiums are the same for all death benefit options Through lifetime Minimum Specified Amount $50,000 $25,000 $50,000 $50,000 Cash Value No Cash Value Focus on deathbenefit guarantees 2 Cash Value growth without a long-term secondary guarantee Strong current Cash Value with lifetime return-of-premium after policy year 2 Issue Ages 0-year: year: year: No Nicotine Use: 0-90 Nicotine Use: Signed Illustration Required Accepts 035 Exchanges Accepts 035 Exchanges with Loan No No Yes Yes No Yes Yes Yes No No No No Impact of 035 Exchanges None Strengthens cash value and allows for lower planned premiums or longer deathbenefit guarantee None Strengthens cash value and allows for a lower initial premium Target/ Commissions Competitive commissionable premiums Competitive rolling target Competitive target No rolling target Competitive commission on entire premium Subject to state variations. Minimum issue age on Nicotine Use rates is 6. 2 Death-benefit guarantee refers to a conditional guarantee that, if the conditions are met, can keep the policy in force even if policy values do not. Certain policy rights, if exercised, can end the guarantee.

6 About Genworth Financial A leading insurance holding company in the United States Strong history: Our roots go back to 87 with the founding of The Life Insurance Company of Virginia; our insurers, Genworth Life and Annuity Insurance Company and Genworth Life Insurance Company, have over $582 billion of life insurance in force (2/3/) Product innovation: Genworth Life & Annuity and Genworth Life are industry leaders in the development of universal life insurance products We ll be here when your family needs us the most For over 40 years we ve built our reputation on life insurance paying benefits to families at the most critical moments of their lives. That s when they ll know you made the right choice to rely on the Genworth Financial companies to help provide for them when you no longer can. Providing sound financial security We re dedicated to giving you one thing that is appreciated the power of choice. By giving you the flexibility to decide what s best for you, you ll find the solutions that can help ensure your family can achieve their dreams. The Genworth Financial companies 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. Colony Term is a traditional term life insurance policy. 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 SM Term is subject to Form No. 420 (96) et al. or 42 et al. (Genworth Life & Annuity) or Form No. GE-420 et al. (Genworth Life). Total Living Coverage is underwritten by Genworth Life Insurance Company, Richmond, VA. Total Living Coverage universal life insurance with long term care benefits is subject to Policy Form No. ICC2-GL5000 and Rider Form Nos. ICC2-GL500R, ICC2-GL50R, ICC2-GL502R, and ICC2-GL503R or Policy Form No. GL et al. and Rider Form Nos. GL500R 022 et al., GL50R 022 et al., GL502R 022 et al., and GL503R 022 et al. Life Ready SM UL II is a flexible-premium, adjustable life insurance policies (commonly known as universal life insurance) subject to Policy Form No. GLAULLRII0807 et al. (Genworth Life & Annuity) or GLIULLRII0807 et al. (Genworth Life). GenGuard UL is a flexible-premium, adjustable life insurance policies (commonly known as universal life insurance) subject to Policy Form No. GA et al. or ICC09GA000 (Genworth Life & Annuity) or Policy Form No. GL et al. or ICC09GL000 (Genworth Life). All guarantees are based on the claims-paying ability of the issuing insurance company. The name Colony used with life insurance products is a Genworth service mark. 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. 202 Genworth Financial, Inc. All rights reserved. Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc.