Classic Select Privileged Choice. New Business

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1 (IFG, ISG, JFG, JSG, I New Business Appeals to Underwriting Decisions Request must be sent in writing by applicant's physician addressing all reasons for the declination decision or denial of Preferred Health and if reconsideration is approved, will follow normal application processing through issue. Conditional Insurance Agreement (CIA) Credit Card for Initial Premium Effective date will be the application sign date, requires only one (1) month premium. Effective date CANNOT be changed. Effective date will be the application sign date, requires 3 months or the modal premium selected (CA & NH applicants over 65, requires only one month premium). Effective date CANNOT be changed. The credit card option is accepted for new business only at the time of application submission; the credit card charge is made upon receipt in the home office. A credit card request CANNOT be accepted after the policy is issued; Not available in CA, AK, MD, NJ, NY, NC, PA. Any refunds are issued by a Genworth check and cannot be credited back to the credit card account originally charged. Discounts Couples/Spouse 20% Spousal 25% Spousal (2 must apply together, only one has to be issued) 40% Spousal/Couple (2 applied/2 issued); 25% Spousal discount (2 applied/1 issued). If second spouse's application is received at the Home Office within 12 months of the date the 1st spouse's application was received and is approved, both will get the full discount retroactively. Need: CCR or call Home Office for original policy discount to be applied. If second applicant applies after 1 year from the Home Office received date of the first applicant and is approved, the second applicant will receive a 40% Spousal/Couple discount. *NY Maximum discount is 35%. See state variations. 35% Both Apply, one or both issued. Need: CCR or call to Home Office for discount to be applied to the original policy. *NY see state variations 40% Spousal (2 applied/2 issued); 25% issued discount (2 applied/1 issued). If second spouse's application is received at the Home Office within 12 months of the date the 1st spouse's application was received and is approved, both will get the full discount retroactively. Need: CCR or call Home Office for original policy discount to be applied. If second applicant applies after 1 year from the Home Office received date of the first applicant and is approved, the second applicant will receive a 40% Spousal/Couple discount. *NY Maximum discount is 35%. See state variations. 35% Both Apply, one or both issued. Need: CCR or call to Home Office for discount to be applied to the original policy. 40% Spousal (2 applied/2 issued); 25% issued discount (2 applied/1 issued). If second spouse's application is received at the Home Office within 12 months of the date the 1st spouse's application was received and is approved, both will get the full discount retroactively. Need: CCR or call Home Office for original policy discount to be applied. If second applicant applies after 1 year from the Home Office received date of the first applicant and is approved, the second applicant will receive a 40% Spousal/Couple discount. *NY Maximum discount is 35%. See state variations. Discounts Criteria to meet Couples/Spousal Discount Two people who, at the time of application are: A are named in a valid Certificate or License of Civil Union issued by your state or B are and have been living together for the past three consecutive years in a committed relationship as partners or family members; and are committed to sharing basic living expenses; and are not married to each other or to anyone else; and if related, must belong to the same generation of the same family (i.e. brothers, sisters, cousins). State variations may apply. Note: The information provided is subject to review and verification. Any discrepancy could result in an increase in premiums. Discounts Preferred 10% if eligible for spousal discount; 20% if not eligible for Health 10% spousal discount. *NY see state variations. 15% available 10% if eligible for spousal discount; 20% if not eligible for spousal discount. *NYsee state variations. 15% available 10% if eligible for spousal discount; 20% if not eligible for spousal discount. *NYsee state variations. Internal Replacements Over 60 Days from Issue Need: New application, replacement form, state forms, current underwriting at attained age. Note: Prior file must be paid current, any unearned premium will be applied to the new policy. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

2 Within 60 Day Changes to Different Product. Current Product Line Only (IFG, ISG, JFG, JSG, I Need: Coverage Selection Page and CCR within same Company Note: Policy will be reissued and bill for balance of premium. Changing from Partnership to Non Partnership or vice versa (NY, CA, IN, CT): New application, state forms, CCR; Note: Underwriting rate is the same, effective date same as original, same discounts apply Need: Coverage Selection Page and CCR. Note: Policy will be reissued and bill for balance of premium. Changing from Partnership to Non Partnership or vice versa: Need: Coverage Selection Page and CCR within same Company Note: Policy will be reissued and bill for balance of premium. Changing from Partnership to Non Partnership or vice versa (NY, CA, IN, CT): New application, state forms, CCR; Note: Underwriting rate is the same, effective date same as original, same discounts apply Mode Changes Prior to Policy Issue New Business Premium Refunds Need: Updated Coverage Selection Page noting the modal change; Completed EFT form required for monthly mode Refund is made payable to the issuer of the original premium check. Note: When only one check is received to cover 2 individual policies, the money is applied as directed, or split equally if the amount is insufficient to cover both policies. If one applicant is declined/withdrawn, the refund will only be for the balance of the unapplied premium. Closed Applications Due to Agent Licensing Reopen Requests Declined Applicants Reopen Requests Withdrawal/Incomplet e Original application is closed. Need: After the outstanding licensing items have been resolved, a newly solicited application and paperwork dated after the licensing requirement completion date is required. Note: If initial premium was returned, the Applicant can return the uncashed refund check to be applied to the new policy file. Will reopen within 120 days of Decline decision date; Need: Favorable appeal information for underwriting; If approved, Policy will follow normal issue process. Will reopen within 120 days of the incomplete/withdrawal date. Need: Missing/incomplete items to reopen file. Note: Application will follow normal issue/underwriting process. If initial premium was returned, Applicant can return the uncashed refund check to be reapplied to the policy file. Return of Premium Rider Need: Designation of Beneficiary Form to designate anyone other than the Estate and in some states, the additional Coverage Selection page is required. 10 year or Decreasing after age 65 options available at an additional cost. Note: Not available on Shared plans. Need: Designation of Beneficiary Form to designate anyone other than the Estate and in some states, the additional Coverage Selection page is required. 10 year or Decreasing after age 65 options avialable at an additional cost. Note: Not available on Shared plans. Graded Return of Premium is included in the base policy. Need: Designation of Beneficiary Form to designate anyone other than the Estate. 10 year and Graded options available at an additional cost. Save Age Guideline: 30 day window to save age after an applicant's date of birth, and the applicant's birthday counts as day 1. The application signed date must be within the 30 day window for the save age guidelines to apply. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

3 (IFG, ISG, JFG, JSG, I Split Decisions (One applicant approved and one declined) Shared Applications If one applicant is declined and one is approved, the policy will be issued based on the contingent benefits reflected on the Coverage Selection page. If no contingent selections were made on the application, the policy for the approved applicant will be issued with half of the benefit multiplier submitted for the shared plan. When premium is submitted, the modal premium for the approved applicant will be applied and the balance of the overpayment from the declined applicant will be refunded. In the event the next premium is due based on the policy effective date, we will retain this premium rather than refunding. If one applicant is declined and one is approved, the policy will be issued based on the contingent benefits reflected on the Coverage Selection page. If no contingent selections were made on the application, the policy for the approved applicant will be issued with half of the benefit multiplier submitted for the shared plan. When premium is submitted, the modal premium for the approved applicant will be applied and the balance of the overpayment from the declined applicant will be refunded. In the event the next premium is due based on the policy effective date, we will retain this premium rather than refunding. If one applicant is declined and one is approved, the approved applicant will be issued a policy without the Shared Rider. Split Decisions (One applicant approved and one declined) Survivorship Rider If one applicant is approved and one declined, the policy will keep the built in 10 year survivorship benefit. If one applicant is approved and one declined, the policy will keep the built in 10 year survivorship benefit. If one applicant is declined and one is approved, the approved applicant will be issued a policy without the Survivorship Rider. Exception: My 10 year is included and can not be removed. If the declined applicant re applies and is issued a policy within one year from the effective date of the first applicant's policy, survivorship rider can be purchased. The first insured submits a CCR (form provided by the company). The second policy will be issued with Survivorship and the first policy will have Survivorship added as of the original effective date and premium for the Survivorship Rider on Reconsideration Survivorship the first policy will be pro rated to the second effective date. Survivorship Benefit will be based on the later effective date in this case. If the declined applicant reapplies and is issued a policy within one year from the effective date of the first applicant's policy, survivorship rider can be purchased. The first insured submits a CCR (form provided by the company). The second policy will be issued with Survivorship and the first policy will have Survivorship added as of the original effective date and premium for the Survivorship Rider on the first policy will be pro rated to the second effective date. Survivorship Benefit will be based on the later effective date in this case. If the declined applicant reapplies and is issued a policy within one year from the effective date of the first applicant's policy, survivorship rider can be purchased. The first insured submits a CCR (form provided by the company). The second policy will be issued with Survivorship and the first policy will have Survivorship added as of the original effective date and premium for the Survivorship Rider on the first policy will be pro rated to the second effective date. Survivorship Benefit will be based on the later effective date in this case. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

4 (IFG, ISG, JFG, JSG, I Reconsideration Shared Rider If the declined applicant re applies and is issued a policy within 60 days from the effective date of the first applicant's policy, shared rider can be purchased. The second applicant names the first insured at time of application and the first insured submits a Coverage Change Request (form provided by the company). The second policy will be issued with Shared Rider and the first policy will have Shared Rider added. The first policy will be reissued with a current effective date to match the second policy. Note: Both applicants must select identical benefits to be eligible for Shared Rider. Customer Service Address Change Return Mail EFT/Bank Changes Refunds Can be taken over the phone, written request or web service. If notified by Post Office via return mail that a policyholder's or Third Party Designee's address has changed, we will update address and resend the item. Note: If return mail is received with no updated address label for the policyholder, we will research to locate an address and resend the item to the updated address. If return mail is received with no updated address label for the Third Party Designee, we will send a letter to the policyholder requesting the updated information. If already on EFT, to change draft date, call or send a CCR. EFT draft dates cannot be set between the 28th and 31st of the month. To establish EFT or change banking information, submit an updated EFT form 5 days prior to the next scheduled draft. You may also call Customer Service or visit our website to update the information. Note: EFT can only be from a checking account, NOT a savings or investment account. Premiums will be drafted from the account one month after the premium due date. When processing refunds for ANY reason, refunds will be held for 21 days from premium receipt. Benefit Decreases Over 60 Days Need: CCR; Note: Benefits cannot be decreased below current partnership minimums where applicable. Changes will be effective the next monthly anniversary; No refunds are issued. Client will receive an amendment with the updated information, a new policy will not be issued. Need: CCR; Note: Benefits cannot be decreased below current partnership minimums where applicable. Changes will be effective the next monthly anniversary; No refunds are issued. Client will receive an amendment with the updated information, a new policy will not be issued. Benefits must be identical on two individual policies with Shared Rider. Benefit Decreases Within 60 Days Need: CCR Note: Benefits cannot be decreased below current partnership minumums where applicable. Changes will be made as of the orginal policy effective date. Premium overpayment can be refunded or credited towards future premiums based on policyholder request. If premium is due we will process the changes and send a bill for the balance due. Client will receive an amendment with the updated information. Need: CCR Note: Benefits cannot be decreased below current partnership minumums where applicable. Changes will be made as of the orginal policy effective date. Premium overpayment can be refunded or credited towards future premiums based on policyholder request. If premium is due we will process the changes and send a bill for the balance due. Client will receive an amendment with the updated information. Benefits must be identical on two policies with Shared Rider. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

5 (IFG, ISG, JFG, JSG, I Benefit Increases Over 60 Days in any state except CA. For CAsee guidelines listed under California If stated in contract that policyholder has the right to increase daily benefit or benefit period, we will process the increase at attained age with full Underwriting required. Increase is added to the policy effective the next policy anniversary date. Need: CA Cover sheet, completed application received within 90 days of the policy anniversary date. Note: If UW decision is made using only a Prescription Drug Report, we will not allow increases to an Unlimited benefit multiplier. If stated in contract that policyholder has the right to increase daily benefit or benefit period, we will process the increase at attained age with full Underwriting required. Increase is added to the policy effective the next monthly anniversary date. Need: Completed application for increase Note: If UW decision is made using only a Prescription Drug Report, we will not allow increases to an Unlimited benefit multiplier. Benefit Increases Within 60 Days If CIA mail date of policy; If no CIAeffective date of policy Need: CCR with Eligibility questions answered No; Note: Premium balance must be paid before increase is effective, bill is mailed once CCR is processed; Client will receive an amendment with the updated information. If riders added or changes made that will affect the contract language a new policy will be issued. Benefits must be identical on two individual policies with Shared Rider. Need: CCR with Eligibility questions answered No; Note: Premium balance must be paid before increase is effective, bill is mailed once CCR is processed; Note: If UW decision is made using only a Prescription Client will receive an amendment with the updated information. If riders added or changes made that will affect the contract language a new policy will be Drug Report, we will not allow increases to an Unlimited issued. Note: If UW decision is made using only a Prescription Drug Report, we will not allow increases to an Unlimited benefit multiplier. benefit multiplier. Billing Anniversary Changes Call the Home Office Cancellation of Inforce Policy Need: Signed written request or CCR form from Insured. Note: Refund is prorated from date request is received in the Home Office. If policy is affected by Rate Increase, the cancellation is effective the date of the rate increase. If request received from the policyholder, we will allow a 10 day conservation period. Need: Signed written request or CCR form from the Insured. Note: Refund is prorated from date request is received in the Home Office. If request received from the policyholder, we will allow a 10 day conservation period. Date of Birth Change Death Refunds Need: A copy of drivers license or other legal documentation confirming correct information. Need: Either a death certificate or notification from SSA. Note: Refunds prorated from date of death and issued to the estate. If there is no estate, need letter stating absence of estate, new payee, address of payee, signed/dated by payee up to $5,000. Over $5,000 letter of testamentary, sma estate affidavit or letter of representation required as proof of requested payees rights to the refund. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

6 (IFG, ISG, JFG, JSG, I Death Shared Plans/Shared Rider Two Options: A Remove deceased spouse and keep policy as is. Premium is 125%(122% in FL) of surviving insureds premium. Need the death certificate. B Remove deceased spouse and reduce benefits. Premium is 125%(122% in FL) of new premium for surviving insured. Need the death certificate and CCR; There is no refund of premium any excess premium is credited to the policy. Two Options: A Remove deceased spouse and keep policy as is. Premium is 125% of surviving insureds premium. Need death certificate. Premium reduces on next bill due date. B Remove deceased spouse and reduce benefits. Premium is 125% of new premium for surviving insured. Need death certificate and CCR. There is no refund of premium any excess premium is credited to the policy. Two Options: A Need death certificate. Remove deceased insured, and keep the contract as is. The premium will be 125% of survivor's portion of premium. B Need death certificate and CCR. Keep the contract, but reduce the benefits and premium. Changes will become effective the monthly anniversary after the request is received at the Home Office. Two Options: A Need death certificate. Remove deceased insured, and keep the contract as is. The premium will be 125% of survivor's portion of premium. B Need death certificate and CCR. Keep the contract, but reduce the benefits and premium. Changes will become effective the monthly anniversary after the request is received at the Home Office. There is no refund of premium any excess premium is credited to the policy. Two Options: A Need death certificate. Remove deceased insured, and keep the contract as is. The premium will be 125% of survivor's portion of premium. B Need death certificate and CCR. Keep the contract, but reduce the benefits and premium. Changes will become effective the monthly anniversary after the request is received at the Home Office. There is no refund of premium any excess premium is credited to the policy. If one policyholder dies while both insureds have Shared Coverage Riders in force, upon written notification of death, the remaining coverage If one policyholder dies while the rider is in force and the partner/spouse is sharing coverage under the policy, the survivor may continue coverage under the deceased person's policy. If one policyholder dies while this rider is in force the survivor has the option to increase their coverage maximum by the amount of the unused coverage of their spouse's certificate on the date of maximum will be added to the coverage maximum of death. Note: If this option is the survivor's policy. If one selected, the premium will be policyholder dies while the the surviving partner's rider is in force and the certificate premium in effect partner/spouse is sharing on the date their policy coverage under the policy, exhausted, less the cost of the survivor may continue the joint rider, increased by coverage under the 25%. Need: Death deceased person's policy. certificate Divorce Shared Plans/Shared Rider Two Options: A Keep policy as is; B Remove one person. Requires a request signed by the primary insured only. Three Options: A Keep policy as is. B Cancel policy and each person applies for individual coverage at their current age. Must receive request signed by the Primary insured to cancel. C Remove either person. Premium is 125% (122% in FL) of remaining insured. Must receive request signed by the Primary Insured only. Premium reduces on the next bill due date. Note: NO OPTION TO SPLIT POLICY DUE TO DIVORCE, There is no premium refund. Three Options: A Keep policy as is. B Cancel policy and each person applies for individual coverage at their current age. Must receive request signed by both insureds to cancel. C Remove either person. Premium is 125% (122% in FL) of remaining insured. Must receive request signed by both insureds. Premium reduces on the next bill due date. Note: NO OPTION TO SPLIT POLICY DUE TO DIVORCE, There is no premium refund. Two Options: A Keep policy as is. B Convert to 2 individual policies with each policy only having 1/2 of the benefits. Need CCR signed by both. CCR must state reason for split of policy. Coverage Selection page is not required. If any additional benefits are required, contact home office for instructions. There is no option to remove either insured. Two Options: A Keep policy as is. B Convert to 2 individual policies with each policy only having 1/2 of the benefits. Need CCR signed by both. CCR must state reason for split of policy. Coverage Selection page is not required. If any additional benefits are required, contact home office for instructions. There is no option to remove either insured. Two Options: A Keep policies as are. B Remove Joint Coverage Rider. Need: CCR requesting to remove rider Effective Date Changes With CIA, cannot change at any time. Without CIA, must receive request within 60 days from later of mail date or effective date. Need: CCR (if changing due to an external replacement, we also require proof of replacement). Effective date can not advance more than 60 days from the Underwriting approval date. Effective dates must be identical on two individual policies with Shared Rider. Inflation Protection Changes Changing from compound to simple or from 5% simple to 3% compound recalculates the current benefit as if the selected BIO was on the policy at issue date (current benefit is decreased), premium is changed to reflect the changed BIO going forward. Removing the BIO completely (requires signed acknowledgement) the current benefit amount will be reset to the original issue benefit amount, premium is charged to relect no BIO going forward. Limited Pay Changing from Lifetime to Limited or vise versa; Within 12 months of effective date, policy will be changed as of original effective date. Need: CCR and back premium as of original effective date; Note: Over 12 months contact Home Office. Changing from Lifetime to Limited or vise versa; Within 12 months of effective date, policy will be changed as of original effective date. Need: CCR and back premium as of original effective date; Note: Over 12 months contact Home Office. Mode Changes After Policy Issue Name Change Non Forfeiture Rider Not Taken (NTO) Only applies to currently sold products Mode Changes can be made via: Phone call to home office; CCR to home office; EFT where applicable (web available) Due to marriage or divorce, submit a written request. Divorce decree or marriage license is not required. For any other reason, legal documentation is required. State specific; Contact Home Office or Product brochure for details. Need: Schedule page (with NTO indicated) or written/signed request from insured or or phone call from the agent within 30 days of delivery date to obtain full refund. If request received is from the policyholder, we will allow a 10 day conservation period. Note: State variations may apply. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7

7 (IFG, ISG, JFG, JSG, I Reinstatements Cognitive Need Cognitive Need supporting supporting documentation documentation within 9 months of within 7 months of premium due date; premium due date; Functional Need Functional Need supporting supporting documentation documentation within 5 months of within 7 months of premium due date; premium due date; Hardship can only Hardship can only be be 90 days from 90 days from premium due date premium due date Cognitive Need supporting documentation within 7 months of premium due date; Functional Need supporting documentation within 7 months of premium due date; Hardship can only be 90 days from premium due date. Restoration of Benefit Rider Benefits vary by state; Contact Home Office or Product brochure for details. Benefits vary by state; Contact Home Office or Product Guide. Return Drafts Mode is changed to quarterly and a check must be received to cover entire quarterly premium before changing back to EFT. A letter is sent to the insured in all instances. Notes: 10 or 7 year, both insured must have identical rider. Upon reciept of a death certificate the policy will be in a paid up status if requirements are met. 10 concurrent years from effective date the first date benefits are paid or payable beyond Survivorship Rider 10 Year Only Note: State variations may apply 10 Year Only the elimination period. Note: State variations may apply. Notes: 10 or 7 year, both insured must have identical rider. Upon reciept of a death certificate the policy will be in a paid up status if requirements are met. 10 concurrent years from effective date the first date benefits are paid or payable beyond the elimination period. Note: State variations may apply. My : 10 year included with optional 7 year enhanced available. If 7 year enhanced is selected and later removed, the policy will default back to 10 year which is included. My Select: 7 year enhanced available. If removed, the policy will have no Survivorship benefit. My Base: 7 year enhanced available. If removed, the policy will have no Survivorship benefit. Note: Both insured must have identical benefit/rider. Upon death certificate the policy will be in a paid up status if requirements are met. Note: State variations may apply. Third Party Notification Waiver of Premium 1035 Exchanges Ability to add or delete a third party, an insured can have up to four (4) third party notifiers. Any changes can be made by phone, CCR or written request. If only one notifier is present, a waiver form must be signed before we can remove. Policies are put on waiver only at the direction of the Claims Department. If Tax Qualified, Refund of premium occurs only if full modal premium, any excess is held until waiver ends. If Non Tax Qualified, refund of excess premium occurs once placed on waiver. Available for tax qualified LTC policies. The annuity must be non qualified. Policy mode must be set and remain as annual. Exchanges must be like for like, meaning an individual annuity to pay an individual LTC or shared Annuity to pay a shared LTC. Mailing Address: 3100 Albert Lankford Drive., Lynchburg, VA of 7