Product guide. Term Life Insurance. c o l o n y 1 0 / 1 5 / 2 0 / 3 0. Underwritten by. Lynchburg, VA. s u r e t e r m 1 0 / 1 5 / 2 0 / 3 0

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1SB1771 0307 For Producer/Agent inFormAtion only. not to be reProduced or shown to the Public.

Product guide

term Life insurance

c o l o n y 1 0 / 1 5 / 2 0 / 3 0 Underwritten by

Genworth Life and Annuity

Insurance Company

Lynchburg, VA s u r e t e r m® 1 0 / 1 5 / 2 0 / 3 0 Underwritten by

Genworth Life

Insurance Company

Lynchburg, VA t e r m 1 0 / 1 5 / 2 0 / 3 0

Underwritten by

Genworth Life

Insurance Company of New York

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P r o d u c t

F e a t u r e s

These policies have guaranteed level premiums for the selected period of 10, 15, 20, or 30 years. After the level period, premiums are not guaranteed and increase annually. Benefits for all policies cease at the policy anniversary date nearest the insured’s 98th birthday.*

* In MD, 95th birthday. In NY, 80th birthday. Minimum Policy

$50,000 face amount

Policy Fee

$50 annually In NY, $60 annually

Payment Frequency (Mode)

Apply these modal factors to the annual premium to determine the modal premium.

MODAL FACTOR APR Annual 1.00 0% Semiannual .51 8.2% Quarterly .26 10.8% Monthly .0875 10.8%

The yearly premium cost will be higher if premiums are paid semiannually, quarterly or monthly. Monthly premiums can only be paid by electronic funds transfer.

Underwriting Classes

Preferred Best No Nicotine Use (PBNN)

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Conversion or Exchange Option

The owner may convert or exchange the term life insurance policy for any life insurance policy we make available for this purpose. The face amount of the new life insurance policy cannot be more than the current policy’s and may not be less than the minimum for the type of policy selected. The new policy will be issued at the insured’s age at nearest birthday, without evidence of insurability. This option is available during the initial level period or until the policy anniversary date nearest the insured’s 75th birthday, whichever comes first. For policies issued at age 75 or older, conversion is available up to one year from the date of issue.

r i d e r s

all riders are subject to the base policy’s

issue age variations by underwriting class.

Waiver of Premium (WP)

Waivespremiums that fall due while the insured is totally disabled, provided the insured becomes totally disabled before the policy anniversary nearest age 60 and is totally disabled for at least 6 continuous months. WP rates are in the far right column of the rate charts and change when the policy’s premium changes. The rider terminates on the policy anniversary nearest the insured’s 60th birthday.

Issue Ages

10/15/20-year term 15-55

30-year term 15-50 (NJ: 15-45 )

Not available for Sure Term Series in MD, NJ, PA and VT.

Accelerated Death Benefit (ADB)

Provides a lump sum benefit if the insured is diagnosed with 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 lesser of (a) $500,000 and (b) the policy loan value plus 75% of the difference between the death benefit and the policy loan value.

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The maximum total accelerated death benefit we will pay under all policies we issue on the insured is $500,000.

The amount accelerated is treated as a lien against the policy death benefit1. This amount plus accrued interest is deducted from the death

benefit at the time of payment. Although there is no initial cost for the rider, an administrative fee is deducted when this option is exercised.

Not available for Colony Series in IN, MA and NJ.

Not available for Sure Term Series in AK, IN, MA, MD, NJ, OK, PA, TX and VT. Not available for Term Series in NY.

1TX and MS use a discount method to determine effect on death benefit.

Children’s Insurance Rider (CIR)

Provides term life insurance for each dependent child age 15 days – 18 years. Up to $10,000 may be purchased in $1,000 increments. Dependent children may be the insured’s natural children, stepchildren and legally adopted children. Coverage terminates on the child’s 21st birthday or the policy anniversary nearest the insured’s 65th birthday, whichever is earlier.

Issue Ages

10/15/20-year term 18-55

30-year term 18-50 (NJ: 18-45 )

The premium rate is $5.50 per $1,000 of coverage. If both Waiver of Premium and CIR are in force, there is an additional charge to cover the waiver of premium for the CIR rider. This additional amount will remain level the entire time the WP rider is in effect.

Age Added WP Charge

(per $1,000 coverage)

18-29 .06 30-39 .11 40-49 .18 50-55 .27

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1SB1771 0307 For Producer/Agent inFormAtion only. not to be reProduced or shown to the Public.

Product guide

term Life insurance

c o l o n y 1 0 / 1 5 / 2 0 / 3 0 Underwritten by

Genworth Life and Annuity

Insurance Company

Lynchburg, VA s u r e t e r m® 1 0 / 1 5 / 2 0 / 3 0 Underwritten by

Genworth Life

Insurance Company

Lynchburg, VA t e r m 1 0 / 1 5 / 2 0 / 3 0

Underwritten by

Genworth Life

Insurance Company of New York

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