YOUR CHOICE FOR LONG TERM CARE PROTECTION

85196 03/10/10

YOUR CHOICE FOR LONG TERM CARE PROTECTIONL O N G T E R M C A R E C H O I C E

Underwritten by Genworth Life Insurance Company

For More Info....http://www.steveshorr.com/medi_gap_medicare_advantage/ltc.htm

[email protected] 310.519.1335

Genworth has suspended sales of LTC in CA...

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W H Y C H O O S E G E N W O R T H L I F E I N S U R A N C E C O M P A N Y ?

Enjoy life today.

Enjoy life tomorrow.

1 LifePlans 2008 Long Term Care Individual and Group Association Top Writers Survey Results. Based on number of individual policies sold in 2008 and policies inforce as of 12/31/08.

2 As of 12/31/09.

Selecting a long term care insurance company is an important decision. You want a company you can trust to help protect your lifestyle as you grow older, one that offers a portfolio of insurance plans with comprehensive benefits and a track record of reimbursing claims.

Genworth Life Insurance Company and our Long Term Care Insurance Division can give you all this — and more. Since we began offering long term care insurance in 1974,we have emerged as one of the nation’s largest long term care insurance providers.1 More than 1 million2 policyholders since then have relied on us to deliver the coverage and protection they need.

Genworth Life Insurance Company is a member of the Genworth Financial family of companies. You can depend on us to provide you with the same excellent service and quality long term care insurance plans.





Concerns about long term care affect people in a broad range of ages. Generally, the need for long term care arises when you are unable to perform basic activities of daily living, as described in this brochure. (See page 4.) That applies to anyone, at any age, suffering from a major accident, injury or a chronic debilitating illness. Because you may be at greater risk as you get older, exploring long term care insurance is one way to address long term care needs while helping to protect assets.

The time to start creating safeguards for yourself and your family is now. Take a look at what Long Term Care Choice has to offer. Insurance like this can help protect and preserve your independence and wealth. It can certainly contribute to your family’s financial security should the need for long term care arise.

IT’S NEVER TOO EARLY TO START THINKING ABOUT LONG TERM CARE INSURANCE

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Long Term Care Choice, a Comprehensive Long Term Care Insurance Policy, is aptly named. Having choices is crucial for anyone requiring long term care. If you’re facing a life-changing health event that includes the need for long term care, you’ll be making difficult decisions. That’s why we offer you as many choices as possible. You can receive any level of care in a wide variety of locations. Plus, you’ll be able to help preserve your own and your family’s financial independence and emotional well-being.

K E E P Y O U R O P T I O N S O P E N W I T H L O N G T E R M C A R E I N S U R A N C E

Who should consider long term care insurance coverage? The question is, who shouldn’t?The fact is, the younger you are when you set up an insurance plan, the lower your premiums may be. Long term care insurance coverage is something all adults should consider. With improved health care, more people are living well into old age. And, as they get older, they may require high levels of care.

Now is the time to ask yourself some tough questions. Would the person you live with have the physical and financial ability to take care of you? Your adult children may already be financially stretched, working and raising a family. Do they live close enough to give you daily care? Could they afford to provide you with institutional care?

If you don’t have coverage to pay for long term care needs, consider this: You may be surprised to learn that ordinary health insurance won’t cover most long term care expenses, and neither will Medicare. Medi-Cal will help — but only after you deplete your own resources to welfare eligibility levels.

So, how could you pay for long term care? Counting solely on your personal assets may be inadequate. A year in a nursing home can be expensive. Health care at home isn’t cheap, either. A well-designed long term care insurance plan can go a long way toward covering most of these costs.

Long Term Care Choice offers comprehensive long term care insurance benefits and features.

You can tailor your insurance plan to meet your needs.

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You really can’t assume that the person you live with, or a relative, will be able to take care of you either. If the time comes, he or she may not be able to afford the loss of income associated with providing care. Worse, that person may not be physically able to give you all the care you need.

Maintaining independence and protecting your hard-earned assets.For these and many other good reasons, long term care insurance has become an important option.

First and foremost, it can help you maintain your independence. A Comprehensive Long Term Care Insurance Policy gives you choices, such as how and where you and your family want care provided.

Also, you won’t have to be completely dependent on the person you live with, your children, or other members of your family — physically or financially.

Finally, long term care insurance helps protect your assets from being used to pay for increasingly high long term care costs over an extended period.

Make it part of your overall retirement plan.Long term care insurance coverage is something to consider when planning for retirement. As you manage your investments, build your wealth, and decide what standard of living you want to have, don’t forget to protect yourself. We believe our Comprehen-sive Long Term Care Insurance Policy offers flexibility and good value. You can:• Bettermaintainyourfinancial

independence and a comfortable lifestyle• Helpprotectyourhard-earnedassets• Haveaccesstohealthcareprofessionals

who will assist in determining the best care available when needed

In addition, you have the option to choose our Privileged Care® Coordination service. (See page 7.)

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You become eligible for benefits when:

1. You need help with at least two of six Activities of Daily Living. In addition, it is expected that you will need the help for at least 90 days.

-OR-

2. You need help because you have a severe cognitive impairment, which means generally that you have a deterioration or loss in your intellectual capacity.

A doctor, nurse or other licensed health care practitioner must certify from time to time that you need help for one of these two reasons. In determining eligibility, we will ask your doctor and your care providers for information that demonstrates your need.

Benefitsareavailableforcareandservices in accordance with a Plan of Care provided by a Privileged Care Coordinator or other licensed health care practitioner.

H O W T O Q U A L I F Y F O R B E N E F I T S

Pre-existing conditions are covered Once you are insured, there are no policy restrictions for pre-existing conditions. While coverage is provided for pre-existing conditions disclosed on your application, coverage can be rescinded and considered void if your application was not completed truthfully and accurately, including nondisclosure of a pre-existing condition. See policy for details.

Mental illness and Alzheimer’s coverage Mental illness and Alzheimer’s disease are covered subject to the same provisions, limitations and exclusions applicable to any other condition.

A hospital stay is never required for you to begin receiving benefits.

Activities of Daily Living:

BathingEating

DressingToileting

ContinenceTransferring





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W H E R E Y O U C A N R E C E I V E C A R E

When you choose our long term care insurance coverage, you keep your options open. That’s because we reimburse for covered expenses incurred (up to your Daily orMonthlyMaximumBenefit)foranylevelof care specified in your Plan of Care and received while in:• Yourhome• Nursingfacilities(includingprivateduty

nursing when you are confined in a nursing facility)

• Residentialcarefacilities• Adultdaycarefacilities

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What’s coveredWith Long Term Care Choice, a Compre-hen sive Long Term Care Insurance Policy, you have the support and services you need, consistent with your Plan of Care:• Home health care provided by nurses,

audiologists, and physical, occupational, respiratory or speech therapists

• Personal care and homemaker services, such as preparing meals, doing laundry and light housekeeping

• Adult day care, which is medical or non-medical care provided on a less than 24-hour basis in adult day care facilities, adult social day care, adult day health care facilities and day care resource centers for Alzheimer’s

• Hospice services are outpatient services not paid by Medicare (not including prescription drugs) that are designed to provide palliative care or to alleviate a person’s physical, emotional and spiritual discomforts because he or she is experiencing the last phases of life due to a terminal disease (diagnosed with 6 months or less to live).

Your care providers don’t need to come from a home health care agency—they can be independent caregivers of your choosing.

S E R V I C E S A N D B E N E F I T S





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* Equipment and home modification If you need items such as a ramp, a special bed, grab bars or other equipment that enables you to stay in your home for at least 90 days, you will be reimbursed a lifetime maximum of up to 50 times your MaximumDailyBenefit.

* Caregiver training If an informal, unpaid caregiver, such as the person you live with, a friend or relative needs training to help care for you at home, benefits are available for that training for a lifetime maximum of up to five times your MaximumDailyBenefit.

* Respite care If your primary, unpaid care giver needs to take a vacation or a few days off, you will be reimbursed for temporary care in a facility, in your home, or in a community-based program up to your maximum daily benefit for up to 21 days per year.

* Bed reservation If you are in a facility and need to leave temporarily — for a hospital stay or a family visit, for example, you will be reimbursed for up to 50 days per year for the cost of assuring that your bed or room is reserved for your return.

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I N C L U D E D F E A T U R E S A N D B E N E F I T S

* Other care and services You may request benefits for care and services not otherwise covered. At times, there may be long term care equipment, services, or treatment that provide cost-effective alternatives that are better for your individual needs than those specifically covered under your policy. If specified in your Plan of Care, we may determine that providing benefits for those expenses is appropriate and covered subject to the same Elimination Period requirements applicable to similar care or services otherwise covered under the policy. Examples include: home-delivered meals, in-home safety devices, additional supportive equipment, and stays in other types of facilities.

Elimination Period Once you’ve satisfied the Elimination Period (either 30 or 90 days), it no longer applies during the policy’s lifetime.

Waiver of Premium Benefit We will waive premium payments for each coverage month that begins while you are eligible to receive benefits for care in a nursing facility, residential care facility, or at home after the Elimination Period has been satisfied:

• If you qualify for home care benefits without the need to satisfy the Elimination Period, this waiver applies on the first day you receive home care benefits in accordance with a Privileged Care Coordinator’s Plan of Care or

• When any other Licensed Health Care Practitioner’s Plan of Care is used, after you have received covered nursing facility, residential care facility and home care for the number of days equal to your Elimination Period.

* These features and benefits are counted against the Lifetime Payment Maximum.





Policy Upgrade Feature If we develop any long term care insurance with new benefits or benefit eligibility provisions for California residents, we’ll notify you of its availability. You will then have the opportunity to upgrade this insurance plan to the new policy with appropriate consideration for your past insured status and at a possible additional cost.

Premium Stability While we reserve the right to raise future premiums for all policy-holders by class and state, your premiums will never increase due to changes in your health status or age.

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S P E C I A L F E A T U R E S

People you can call on from day one. In line with our commitment to your well-being, we are proud to include Privileged Care Coordination services as an optional feature of our long term care coverage.

A Privileged Care Coordinator is a trained professional, designated by us, who can provide the certifications needed for benefit eligibility. Of course, the use of a Privileged Care Coordinator to develop and implement your Plan of Care is optional. Each Privileged Care Coordinator is familiar with the long term care options and services available in your community. There is no charge to you for the services of a Privileged Care Coordinator.

A Privileged Care Coordinator will also:• Meetwithyouinyourhometohelp

assess your needs and, along with you, your family and personal physician, develop a Plan of Care

• Helpyoucompleteinitialclaimspaperwork• ExplainyourPlanofCaretoyourcare

providers• Helpschedulecareandservicesinthe

comfort of your home and community

In short, a Privileged Care Coordinator is available to help make sure you receive quality care, and maintain your independence and dignity. Of course, you are not required to use a Privileged Care Coordinator to develop and implement your required Plan of Care.

Survivorship Benefit If both you and the person you live with have owned our long term care insurance policies with survivorship benefits for at least 10 years, and one of you dies, no further premiums are required for the duration of the survivor’s policy. That is, of course, providing no benefits were available on either policy for the first 10 years of concurrent coverage.

You may also reject the SurvivorshipBenefitRider which removes this benefit from your policy and will reduce your premium.





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OPTIONAL B E N E F I T S

The following benefits are available for an additional premium:

Benefit Increases Should you purchase it, this benefit helps the value of your policy keep up with inflation. It allows for annual increasesinyourMaximumDailyBenefitand Lifetime Payment Maximum for as long as your coverage remains in force.

You can choose between:

• Compound increases, which increase yourMaximumDailyBenefitandLifetimePayment Maximum each year by 5 percent of the previous year’s amount.

OR

• Equal increases, which increase your MaximumDailyBenefitandLifetimePayment Maximum each year by 5 percent of the original year’s amount.

Your Lifetime Payment Maximum will be credited annually with the full benefit increase you have chosen, regardless of any claims that may have been reimbursed.

The illustrations assume the premiums are paid when due even if there is an increase in premiums.

Example of increasing benefit with a $160 daily maximum and a benefit multiplier of 2,190 (6 years)

POLICY YEAR ANNIVERSARY

MAXIMUM LIFETIME DAILY BENEFIT PAYMENT MAXIMUM

EQUAL COMPOUND EQUAL COMPOUND

--- $ 160 $ 160 $ 350,400 $ 350,400

5th $ 200 $ 204 $ 438,000 $ 445,760

10th $ 240 $ 260 $ 525,600 $ 569,400

15th $ 280 $ 332 $ 613,200 $ 727,080

20th $ 320 $ 424 $ 700,800 $ 928,560

25th $ 360 $ 542 $ 788,400 $ 1,186,980

30th $ 400 $ 691 $ 876,000 $ 1,513,290

$700

$600

$500

$400

$300

$200

$100

5 10 15 20 25 30

CompoundEqualNone

Comparison of inflation options with a $160 daily maximum

$160





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We’re always trying to provide affordable ways to help protect individuals from the high costs of long term care. When getting your quote, please be sure to ask about the following discounts:

Preferred Health DiscountIf you apply alone, are eligible and in good health, you can receive a 20% discount on your premiums for the life of your policy. The preferred health discount is 10% if you qualify for the couples discount.

Discounts for Couples •Ifbothofyouareeligible,applyforandare

issued individual policies, both of you will receive a 40% premium discount.

•Ifbothofyouareeligibleandapplyforindividual policies, but just one of you is issued a policy, he or she will receive a 25% premium discount.

•Thepreferredhealthdiscountof10%canbe combined with a couples discount, which means that your total discount could be as high as 50% each (35% if only one is issued a policy).

Note: In addition to married applicants, couples or unmarried family members of the same generation who live together and share basic living expenses are also eligible for this discount.

D I S C O U N T S A N D O T H E R H I G H L I G H T S

Guaranteed renewable Once you’re covered, as long as you pay your premiums on time, your policy is guaranteed renewable and cannot be canceled by us.

And, your premium will never increase due to individual circumstances, such as advancing age, declining health or dissolution of the qualifying relationship due to divorce, death or annulment. We do, however, retain the right to raise future premiums for all policyholders in the same class and state.

30-day free look If you’re not completely satisfied with your policy, simply return it within 30 days for a full refund.

Late payment protection To make sure your policy doesn’t lapse by mistake, you can designate another person for us to notify if we don’t receive your payment on time.

Protection against policy lapse Should your policy lapse, we’ll retroactively reinstate it, if within seven months after the lapse we receive proof that you met benefit eligibility requirements, and provided you pay all past due premiums.

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Restoration of Benefits Under this option, if you use benefits from your Lifetime Payment Maximum, and then recover and don’t need benefits for 180 days during which the policy is in force on a premium paying basis, your Lifetime Payment Maximum will be completely restored.

Nonforfeiture Benefit Under this option, if your policy lapses after three years, you’ll be provided with a reduced paid-up Lifetime Payment Maximum. This reduced amount is the greater of all premiums paid to your policy, or90timesyourMaximumDailyBenefitatthe time of the lapse. No further premium payments are required to maintain this benefit.





Maximum Daily Benefit This is the most your policy will reimburse on any one day for nursing/residential care facilities. Select an amount in $5 increments from $50 to $400.

Choose a Benefit Multiplier of: •730 (2 years) •1,095 (3 years) •1,460 (4 years) •2,190 (6 years) •Unlimited

Elimination Period Think of this as a deductible. This is the period of time that covered long term care services must be received before your policy begins to provide benefits. Choose a 30 or 90-day Elimination Period. Once a day of the Elimination Period is satisfied, it will never have to be satisfied again for the life of the policy.

Optional Revised Elimination Period Rider The Home and Community-Based Care Benefit always has a zero-day Elimination Period. The Optional Revised Elimination Period Rider applies the Elimination Period to Home and Community-Based Care. No reimbursementwillbemadeunderthisBenefitfor expenses incurred prior to the date the Elimination Period has been satisfied. When this Rider is selected, premiums are reduced.

Great value for your dollar A Long Term Care Choice insurance policy provides you with a Lifetime Payment Maximum. For example, if you purchase a policy with a MaximumDailyBenefitof$150andyourchosenBenefitMultiplieris1,460,yourLifetime Payment Maximum would be

TAILOR YOUR POLICY TO SUIT YOUR NEEDS

$219,000. If you use the whole $150 of benefits every day, your policy benefits will last four years. However, if you use only a portion of your daily benefit amount on a particular day, the balance remains available for future covered care services and may extend your benefits beyond the four years you selected.

Limited Pay Options You may pay for long term care insurance premiums over a limited period of time, rather than for the life of the policy. There are two specific options:

•10-Pay This option is available for those ages 18-79. It enables you to pay the premiums over a period of 10 years, at which time the policy is considered paid up.

– or –

• Pay-to-65 This option is available for those ages 18-55. It allows you to pay the premiums until the policyholder reaches age 65, at which time the policy is considered paid in full.

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D E S I G N I N G Y O U R I N S U R A N C E P L A N

APPLICANT A APPLICANT B

Maximum Daily Benefit/Elimination PeriodChoose a maximum Daily Benefit from $50 to $400 a day.

Choose an Elimination Period of 30 or 90 days.

Your home care benefit is calculated as a monthly maximum, and every month is considered to consist of 31 days. Your monthly maximum equals your Maximum Daily Benefit x 31.

$ _________ /day

_________ days

$ _______ /month

$ _________ /day

_________ days

$ _______ /month

Benefit MultiplierChoose a benefit multiplier. This allows you to approximate the number of days we would reimburse for incurred covered services up to your full Maximum Daily Benefit. Choose 730, 1,095, 1,460, 2,190 or Unlimited plan.

X _____________ X _____________

Home and Community-Based Care Elimination Period Home and Community-Based Care always has a zero-day Elimination Period unless you select the revised Elimination Period Rider which applies the Elimination Period to Home and Community-Based Care.

First Day Home Care

Revised Elimination Period for Home Care

First Day Home Care

Revised Elimination Period for Home Care

Survivorship BenefitYou may reject the standard survivorship benefit which removes it from your policy and will reduce your premium.

Reject Survivorship Benefit

Reject Survivorship Benefit

Maximum Daily Benefit x Benefit Multiplier = Lifetime Payment MaximumIf you use less than your full Maximum Daily Benefit amount on any given day, the unused funds will remain in your Lifetime Payment Maximum to extend the length of time your benefits will last.

$ _____________ $ _____________

Benefit IncreasesSelect the best option for your needs.

Compound Equal None

Compound Equal None

Optional Benefits (for an additional premium)

Restoration of Benefits

Nonforfeiture Option

Restoration of Benefits

Nonforfeiture Option

Discounts Preferred Health Couples

Preferred Health Couples

Annual Premium (Annual Mode)( Standard Pay to 65 10 Pay)

$ ___________

$ ___________

Modes/Factors Annual (1.0) Semi-annual (.51) Quarterly (.26) Monthly (.09)

X ___________

X ___________

Modal Premium (Annual Premium x Mode Factor) = $ ___________ = $ ___________

Number of Premium Payments per Year (1, 2, 4 or 12) X ___________ X ___________

Annual Total of Modal Premiums $ ___________ $ ___________





Benefitsarenotavailableforcare,stays,orother items:• ProvidedbyaFamilyMember,unless: - the Family Member is a regular employee

of the organization that is providing the services; and

- the organization receives payment for the services; and

- the Family Member receives no compensation other than the normal compensation for employees in her or his job category.

• ProvidedbyorinaVeteransAdministration or federal government facility, unless a valid charge is made to you or your estate.

• ProvidedoutsideoftheUnitedStatesofAmerica or its territories or possessions.

• Foralcoholismanddrugaddiction;but not addiction which results from the administration of those substances in accordance with the advice and written instructions of a duly licensed physician.

• Resulting,directlyorindirectly,fromwar or act of war, whether declared or not.

• Forwhichnochargeisnormallymadeinthe absence of insurance.

• Resulting,directlyorindirectly,fromattempted suicide or an intentionally self-inflicted injury.

E X C L U S I O N S A N D L I M I T A T I O N S

Be sure to review the accompanying Outline of Coverage for definitions and more details of this policy and its features. This brochure is only a summary of coverage. Policy terms and provisions will prevail. Coverage is provided under policy form 7035AX Rev 2009. All applications are subject to the underwriting requirements of Genworth Life Insurance Company.

This is not Medicare supplement insurance. Discuss with your insurance agent how long term care insurance would work relative to other coverage you currently have.You should not purchase any long term care insurance if:• Youcurrentlyreceiveormaysoonreceive

Medi-Cal benefits.• Youhavelimitedassetsandcan’tafford

the premiums.• Youronlysourceofincomeisasocial

security benefit or supplemental security income.

You should consult your tax advisor to determine whether or not your premiums are tax deductible.

As part of the underwriting process, we may obtain copies of medical records from your doctor. Delays in receiving the necessary information may cause the underwriting process to be extended beyond the usual 30 to 45 days.

W E W A N T Y O U T O K N O W

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N O T E S

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Long Term Care Choice is underwritten by

Genworth Life Insurance Company

Long Term Care Insurance Division

6620 West Broad Street Building 4

Richmond, VA 23230

©2006-2010Genworth Financial, Inc.

All rights reserved. Genworth,

Genworth Financial and the Genworth logo are registered service marks of

Genworth Financial, Inc.

This material was written to support the promotion or marketing of the transaction or matters addressed herein. It was not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Each taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.

Insurance and annuity products:• Are not deposits. • Are not insured by the FDIC or any other federal government agency.• May decrease in value. • Are not guaranteed by any bank or its affiliates.





YOUR CHOICE FOR LONG TERM CARE PROTECTION

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