Genworth Long Term Care Quote 07182012

PRIVILEGED CHOICE FLEX Offered by Genworth Life Insurance Company To be Issued in: Kentucky
INDIVIDUAL SUMMARY for Valued Client Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Modal Premium Payment Options Payment Mode Annual: Semi-Annual: Quarterly: Monthly (EFT only): Modal Factor 1.00 0.51 0.26 0.09 Modal Premium $3,166.03 $3,229.36 $3,292.68 $3,419.28 Yearly Total Payment ($3,166.03 x 1) ($1,614.68 x 2) ($823.17 x 4) ($284.94 x 12)
Modal Premium Disclosure: Although premiums are calculated on an annual basis, premiums may be shown on a monthly, quarterly or semi-annual basis. Annual premiums may be paid in advance at the beginning of each coverage year. However, your premiums may be paid on a more frequent basis throughout your coverage year. If you pay your premiums more frequently than annually (e.g. monthly, quarterly or semi-annually), there will be additional charges that apply. The more frequent the premium payment mode, the more charges you will incur. For example, the total annual premium paid on a monthly basis will be more than the total premium paid on a quarterly basis. As a result, the total annual premiums paid will be higher for Monthly, Quarterly or SemiAnnual payment modes than if you paid premiums on an Annual mode. For more information, please refer to the Modal Premium Disclosure in your Policy or Certificate. IMPORTANT NOTES: The Covered Percentage for the Home and Community Care Benefit and Assisted Living Facility Benefit are a percentage of the Monthly Maximum. Calculation of Compound increases due to inflation is not affected by benefit payments driven by claims offset.
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Long Term Care Insurance Underwritten by Genworth Life Insurance Company, Richmond, VA
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BENEFIT OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Premium differences illustrated below are based on changing A SINGLE OPTION from the illustrated Plan Design and are not cumulative. This data is intended to show how selecting a different benefit option would affect an annual premium. To see MULTIPLE OPTION changes, refer to the Plan Option Comparison page.
Benefit Option Monthly Maximum:
Change Benefit To $3,000 Per Month $3,500 Per Month $4,500 Per Month $5,000 Per Month
New Annual Premium $2,374.52 $2,770.28 $3,561.79 $3,957.54 $1,724.40 $2,221.59 $2,500.88 $2,926.49 $3,410.41 $3,649.74 $4,469.00
Amount of Change ($791.51) ($395.75) $395.76 $791.51 ($1,441.63) ($944.44) ($665.15) ($239.54) $244.38 $483.71 $1,302.97
Benefit Multiplier:
24 Months 36 Months 48 Months 60 Months 96 Months 120 Months Unlimited
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BENEFIT OPTIONS COMPARISON(Continued)
Benefit Option Elimination Period:
Change Benefit To 30 Calendar Days 180 Calendar Days 365 Calendar Days
Amount of Change $428.13 ($159.36) ($541.87) ($713.84) ($654.83) ($1,455.29) ($1,528.95) $131.55 $365.43 $1,344.76 $362.50
Benefit Increase Option:
3% Compound 5% Equal 5% FPO every 3 years None
Survivorship Benefit:
10 Year* 7 Year Enhanced**
Refund of Premium Benefit: Shared Coverage Option: Assumes Identical Coverage Home Care Percentage: Assisted Living Facility Percentage: Premium Payment Period: Restoration Benefit: Nonforfeiture Benefit: 1st Day Home Care Elimination Period:
10 Year Included with Joint Waiver of Premium
50% 50% 10 Pay Included Included None
$3,013.09 $2,976.38 $6,110.44 $3,312.20 $3,779.95 $2,984.78
($152.94) ($189.65) $2,944.41 $146.17 $613.92 ($181.25)
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BENEFIT INCREASE COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
This page is intended to show a comparison of possible Benefit Maximums based on the available Benefit Increase Options. Monthly Maximum assumes that each option is accepted. Coverage Maximum assumes that all Purchase Options for FPO have been accepted, and no benefits have been paid. Balance available in Coverage Maximum to pay for benefits will decrease as benefits are paid. 5% Compound Policy Year 1 5 10 15 20 25 Monthly Maximum $4,000.00 $4,862.03 $6,205.31 $7,919.73 $10,107.80 $12,900.40 Pool of Money $288,000.00 $350,065.80 $446,782.53 $570,220.30 $727,761.66 $928,828.78 3% Compound Monthly Maximum $4,000.00 $4,502.04 $5,219.09 $6,050.36 $7,014.02 $8,131.18 Pool of Money $288,000.00 $324,146.54 $375,774.68 $435,625.84 $505,009.74 $585,444.70 5% Equal Monthly Maximum $4,000.00 $4,800.00 $5,800.00 $6,800.00 $7,800.00 $8,800.00 Pool of Money $288,000.00 $345,600.00 $417,600.00 $489,600.00 $561,600.00 $633,600.00
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BENEFIT INCREASE COMPARISON(Continued) (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes 5% FPO every 3 years Policy Year 1 5 10 15 20 25 Monthly Maximum $4,000.00 $4,630.50 $6,205.31 $7,183.43 $9,626.48 $12,900.40 Pool of Money $288,000.00 $333,396.00 $446,782.53 $517,206.62 $693,106.34 $928,828.78 No Increases Monthly Maximum $4,000.00 $4,000.00 $4,000.00 $4,000.00 $4,000.00 $4,000.00 Pool of Money $288,000.00 $288,000.00 $288,000.00 $288,000.00 $288,000.00 $288,000.00
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PLAN OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Annual premiums shown below are based on originally selected Monthly Maximum, Optional Benefits and Discounts shown above. 5% Compound Benefit Multiplier Elimination Period 24 Months 36 Months 48 Months 60 Months 72 Months 96 Months 120 Months Unlimited 30 Calendar Days $1,957.58 $2,522.01 $2,839.06 $3,322.23 $3,594.16 $3,871.57 $4,143.27 $5,036.86 90 Calendar Days $1,724.40 $2,221.59 $2,500.88 $2,926.49 $3,166.03 $3,410.41 $3,649.74 $4,469.00 180 Calendar Days $1,637.60 $2,109.77 $2,375.00 $2,779.19 $3,006.67 $3,238.75 $3,466.03 $4,278.99 365 Calendar Days $1,429.27 $1,841.36 $2,072.85 $2,425.61 $2,624.16 $2,826.70 $3,025.07 $3,693.54
3% Compound Elimination Period 30 Calendar Days 90 Calendar Days 180 Calendar Days 365 Calendar Days Benefit Multiplier 24 Months 36 Months $1,500.88 $1,965.97 $1,322.10 $1,731.79 $1,255.55 $1,644.62 $1,095.82 $1,435.39 48 Months $2,198.93 $1,937.00 $1,839.50 $1,605.48 60 Months $2,573.18 $2,266.67 $2,152.58 $1,878.72 72 Months $2,783.78 $2,452.19 $2,328.77 $2,032.49 96 Months $2,959.46 $2,606.94 $2,475.73 $2,160.76 120 Months $3,110.75 $2,740.20 $2,602.28 $2,271.20 Unlimited $3,781.73 $3,355.38 $3,212.71 $2,773.15
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PLAN OPTIONS COMPARISON(Continued) (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes 5% Equal Benefit Multiplier Elimination Period 24 Months 36 Months 30 Calendar Days $1,624.25 $2,127.70 90 Calendar Days $1,446.17 $1,894.42 180 Calendar Days $1,390.09 $1,820.97 365 Calendar Days $1,205.83 $1,579.59 48 Months $2,379.94 $2,119.00 $2,036.84 $1,766.85 60 Months $2,644.07 $2,354.18 $2,262.90 $1,962.95 72 Months $2,820.44 $2,511.20 $2,413.83 $2,093.87 96 Months $3,103.43 $2,763.17 $2,656.03 $2,303.96 120 Months $3,359.95 $2,991.56 $2,875.55 $2,494.40 Unlimited $4,077.41 $3,630.37 $3,489.60 $3,027.05
5% FPO every 3 years Elimination Period 30 Calendar Days 90 Calendar Days 180 Calendar Days 365 Calendar Days Benefit Multiplier 24 Months 36 Months $1,156.18 $1,425.25 $1,025.54 $1,264.20 $991.67 $1,222.46 $861.94 $1,062.53 48 Months $1,567.15 $1,390.07 $1,344.17 $1,168.33 60 Months $1,778.00 $1,577.09 $1,525.02 $1,325.52 72 Months $1,928.68 $1,710.74 $1,654.25 $1,437.85 96 Months $2,144.11 $1,901.83 $1,839.03 $1,598.45 120 Months $2,286.14 $2,027.83 $1,960.86 $1,704.34 Unlimited $2,697.75 $2,392.91 $2,313.91 $2,011.19
No Benefit Increases Option Benefit Multiplier Elimination Period 24 Months 36 Months 30 Calendar Days $1,106.40 $1,363.87 90 Calendar Days $981.38 $1,209.76 180 Calendar Days $948.97 $1,169.81 365 Calendar Days $824.82 $1,016.78 48 Months $1,499.66 $1,330.21 $1,286.29 $1,118.01 60 Months $1,701.44 $1,509.18 $1,459.35 $1,268.44 72 Months $1,845.62 $1,637.08 $1,583.02 $1,375.92 96 Months $2,051.77 $1,819.93 $1,759.85 $1,529.62 120 Months $2,187.70 $1,940.50 $1,876.43 $1,630.95 Unlimited $2,581.58 $2,289.86 $2,214.26 $1,924.59
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COST OF WAITING for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Based on the options shown above, and assuming that your health would not affect available discounts, this table illustrates how much more you might pay, if you postpone purchasing this coverage. Values shown include increases in coverage based on your selected Benefit Increase Option, and do not take into consideration the time value of money, i.e., that due to inflation, a dollar in the future has less value than a dollar today. When Purchased Today In 1 Year In 5 Years In 10 Years Age Monthly Benefit Amount $4,000 $4,200 $5,105 $6,516 Annual Premium $3,166.03 $3,684.64 $6,017.36 $12,487.42 If Premium Paid To Age 85 of Proposed Insured $63,320.60 $70,008.16 $90,260.40 $124,874.20 Cost of Waiting
65 66 70 75
$0.00 $6,687.56 $26,939.80 $61,553.60
Reasons to Buy Long Term Care Insurance Now!

Each Year You Wait Means You... Have no long term care insurance should you need it. u May have to choose a higher benefit level to keep up with rising long term care costs. u Will pay higher premium rates for the same coverage due to your increased age. u Put yourself at risk of not being in good health and able to qualify for coverage. u Current plans and benefits may not be available. u
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BREAK EVEN ANALYSIS for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: Number of Years Premiums are Paid 2 5 10 15 20 u u $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Total Premium Paid $6,332.06 $15,830.15 $31,660.30 $47,490.45 $63,320.60 Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: Monthly Benefit $4,200.00 $4,862.03 $6,205.31 $7,919.73 $10,107.80 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94 Break Even Days 45 98 153 180 188
The "Break Even Analysis" illustrates the maximum number of days of care that you could pay for, assuming you use your full Monthly benefit amount for each month, if you were to use only the premiums paid for the coverage as depicted. Break Even Days is derived by dividing Total Premium PAID for your coverage over time by the Monthly benefit. All premium amounts shown are rounded to the nearest dollars.
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PAYMENT OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Lifetime
YEARS IN FORCE First Year After 10 Years After 20 Years u u u Age 65 75 85 Total Premium Paid $3,166.03 $31,660.30 $63,320.60 Policy Paid Up No No No
10-Pay
Total Premium Paid $6,110.44 $61,104.40 $61,104.40 Policy Paid Up No Yes Yes
Pay-To-65
Total Premium Paid N/A N/A N/A Policy Paid Up N/A N/A N/A
This page illustrates the total premiums paid at certain time intervals for the available Premium Payment Options. When you choose Limited Pay (10-Pay or Pay-To-65), Genworth Life has the right to increase premiums during the payment period. Premiums shown are not guaranteed.
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IMPORTANT NOTES: This is a solicitation of insurance and an insurance agent/producer will contact you. This is not a contract of insurance. Coverage is subject to the underwriting requirements of Genworth Life Insurance Company. Privileged Choice Flex is underwritten by Genworth Life Insurance Company, using policy form series 7052. State variations may apply. A Summary of Coverage, including benefits, limitations and exclusions are set forth in the accompanying Outline of Coverage. Policy Terms & Provisions will prevail. This Long Term Care Insurance quote is intended for illustrative purposes only and may be subject to change for any reason, including changes in premiums quoted. Dollar amounts may be rounded for purposes of Illustration. In the event coverage is issued, any difference between the premiums quoted in this illustration and the premiums shown in your Policy Schedule, the premiums shown in your Policy Schedule will govern. Premiums shown are subject to the terms and conditions of the Policy and may change in the future. While Genworth Life Insurance Company reserves the right to raise future premiums by class and state your premiums will never increase individually due to changes in your health status or your age. Certain eligibility requirements must be met to qualify for the preferred health, Multi-Life and couples discounts. Couples Discount is 25% if only one becomes insured. Policies qualifying for the Multi-Life Discount will have a 5% discount taken from the net premium after all other applicable discounts (i.e. preferred health, couples, etc.) have been applied. Coverage under the Policy is intended to be qualified long term care insurance under federal tax law (IRC 7702B). You should consult your tax advisor to determine the income tax implications of paying premiums and receiving benefit payments.
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INDIVIDUAL SUMMARY for Valued Client Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Modal Premium Payment Options Payment Mode Annual: Semi-Annual: Quarterly: Monthly (EFT only): Modal Factor 1.00 0.51 0.26 0.09 Modal Premium $3,166.03 $3,229.36 $3,292.68 $3,419.28 Yearly Total Payment ($3,166.03 x 1) ($1,614.68 x 2) ($823.17 x 4) ($284.94 x 12)
Modal Premium Disclosure: Although premiums are calculated on an annual basis, premiums may be shown on a monthly, quarterly or semi-annual basis. Annual premiums may be paid in advance at the beginning of each coverage year. However, your premiums may be paid on a more frequent basis throughout your coverage year. If you pay your premiums more frequently than annually (e.g. monthly, quarterly or semi-annually), there will be additional charges that apply. The more frequent the premium payment mode, the more charges you will incur. For example, the total annual premium paid on a monthly basis will be more than the total premium paid on a quarterly basis. As a result, the total annual premiums paid will be higher for Monthly, Quarterly or SemiAnnual payment modes than if you paid premiums on an Annual mode. For more information, please refer to the Modal Premium Disclosure in your Policy or Certificate. IMPORTANT NOTES: The Covered Percentage for the Home and Community Care Benefit and Assisted Living Facility Benefit are a percentage of the Monthly Maximum. Calculation of Compound increases due to inflation is not affected by benefit payments driven by claims offset.
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BENEFIT OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Premium differences illustrated below are based on changing A SINGLE OPTION from the illustrated Plan Design and are not cumulative. This data is intended to show how selecting a different benefit option would affect an annual premium. To see MULTIPLE OPTION changes, refer to the Plan Option Comparison page.
Benefit Option Monthly Maximum:
Change Benefit To $3,000 Per Month $3,500 Per Month $4,500 Per Month $5,000 Per Month
Amount of Change ($791.51) ($395.75) $395.76 $791.51 ($1,441.63) ($944.44) ($665.15) ($239.54) $244.38 $483.71 $1,302.97
Benefit Multiplier:
24 Months 36 Months 48 Months 60 Months 96 Months 120 Months Unlimited
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BENEFIT OPTIONS COMPARISON(Continued)
Benefit Option Elimination Period:
Change Benefit To 30 Calendar Days 180 Calendar Days 365 Calendar Days
Amount of Change $428.13 ($159.36) ($541.87) ($713.84) ($654.83) ($1,455.29) ($1,528.95) $131.55 $365.43 $1,344.76 $362.50
Benefit Increase Option:
3% Compound 5% Equal 5% FPO every 3 years None
Survivorship Benefit:
10 Year* 7 Year Enhanced**
Refund of Premium Benefit: Shared Coverage Option: Assumes Identical Coverage Home Care Percentage: Assisted Living Facility Percentage: Premium Payment Period: Restoration Benefit: Nonforfeiture Benefit: 1st Day Home Care Elimination Period:
10 Year Included with Joint Waiver of Premium
50% 50% 10 Pay Included Included None
$3,013.09 $2,976.38 $6,110.44 $3,312.20 $3,779.95 $2,984.78
($152.94) ($189.65) $2,944.41 $146.17 $613.92 ($181.25)
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BENEFIT INCREASE COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
This page is intended to show a comparison of possible Benefit Maximums based on the available Benefit Increase Options. Monthly Maximum assumes that each option is accepted. Coverage Maximum assumes that all Purchase Options for FPO have been accepted, and no benefits have been paid. Balance available in Coverage Maximum to pay for benefits will decrease as benefits are paid. 5% Compound Policy Year 1 5 10 15 20 25 Monthly Maximum $4,000.00 $4,862.03 $6,205.31 $7,919.73 $10,107.80 $12,900.40 Pool of Money $288,000.00 $350,065.80 $446,782.53 $570,220.30 $727,761.66 $928,828.78 3% Compound Monthly Maximum $4,000.00 $4,502.04 $5,219.09 $6,050.36 $7,014.02 $8,131.18 Pool of Money $288,000.00 $324,146.54 $375,774.68 $435,625.84 $505,009.74 $585,444.70 5% Equal Monthly Maximum $4,000.00 $4,800.00 $5,800.00 $6,800.00 $7,800.00 $8,800.00 Pool of Money $288,000.00 $345,600.00 $417,600.00 $489,600.00 $561,600.00 $633,600.00
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BENEFIT INCREASE COMPARISON(Continued) (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes 5% FPO every 3 years Policy Year 1 5 10 15 20 25 Monthly Maximum $4,000.00 $4,630.50 $6,205.31 $7,183.43 $9,626.48 $12,900.40 Pool of Money $288,000.00 $333,396.00 $446,782.53 $517,206.62 $693,106.34 $928,828.78 No Increases Monthly Maximum $4,000.00 $4,000.00 $4,000.00 $4,000.00 $4,000.00 $4,000.00 Pool of Money $288,000.00 $288,000.00 $288,000.00 $288,000.00 $288,000.00 $288,000.00
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PLAN OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Annual premiums shown below are based on originally selected Monthly Maximum, Optional Benefits and Discounts shown above. 5% Compound Benefit Multiplier Elimination Period 24 Months 36 Months 48 Months 60 Months 72 Months 96 Months 120 Months Unlimited 30 Calendar Days $1,957.58 $2,522.01 $2,839.06 $3,322.23 $3,594.16 $3,871.57 $4,143.27 $5,036.86 90 Calendar Days $1,724.40 $2,221.59 $2,500.88 $2,926.49 $3,166.03 $3,410.41 $3,649.74 $4,469.00 180 Calendar Days $1,637.60 $2,109.77 $2,375.00 $2,779.19 $3,006.67 $3,238.75 $3,466.03 $4,278.99 365 Calendar Days $1,429.27 $1,841.36 $2,072.85 $2,425.61 $2,624.16 $2,826.70 $3,025.07 $3,693.54
3% Compound Elimination Period 30 Calendar Days 90 Calendar Days 180 Calendar Days 365 Calendar Days Benefit Multiplier 24 Months 36 Months $1,500.88 $1,965.97 $1,322.10 $1,731.79 $1,255.55 $1,644.62 $1,095.82 $1,435.39 48 Months $2,198.93 $1,937.00 $1,839.50 $1,605.48 60 Months $2,573.18 $2,266.67 $2,152.58 $1,878.72 72 Months $2,783.78 $2,452.19 $2,328.77 $2,032.49 96 Months $2,959.46 $2,606.94 $2,475.73 $2,160.76 120 Months $3,110.75 $2,740.20 $2,602.28 $2,271.20 Unlimited $3,781.73 $3,355.38 $3,212.71 $2,773.15
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PLAN OPTIONS COMPARISON(Continued) (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes 5% Equal Benefit Multiplier Elimination Period 24 Months 36 Months 30 Calendar Days $1,624.25 $2,127.70 90 Calendar Days $1,446.17 $1,894.42 180 Calendar Days $1,390.09 $1,820.97 365 Calendar Days $1,205.83 $1,579.59 48 Months $2,379.94 $2,119.00 $2,036.84 $1,766.85 60 Months $2,644.07 $2,354.18 $2,262.90 $1,962.95 72 Months $2,820.44 $2,511.20 $2,413.83 $2,093.87 96 Months $3,103.43 $2,763.17 $2,656.03 $2,303.96 120 Months $3,359.95 $2,991.56 $2,875.55 $2,494.40 Unlimited $4,077.41 $3,630.37 $3,489.60 $3,027.05
5% FPO every 3 years Elimination Period 30 Calendar Days 90 Calendar Days 180 Calendar Days 365 Calendar Days Benefit Multiplier 24 Months 36 Months $1,156.18 $1,425.25 $1,025.54 $1,264.20 $991.67 $1,222.46 $861.94 $1,062.53 48 Months $1,567.15 $1,390.07 $1,344.17 $1,168.33 60 Months $1,778.00 $1,577.09 $1,525.02 $1,325.52 72 Months $1,928.68 $1,710.74 $1,654.25 $1,437.85 96 Months $2,144.11 $1,901.83 $1,839.03 $1,598.45 120 Months $2,286.14 $2,027.83 $1,960.86 $1,704.34 Unlimited $2,697.75 $2,392.91 $2,313.91 $2,011.19
No Benefit Increases Option Benefit Multiplier Elimination Period 24 Months 36 Months 30 Calendar Days $1,106.40 $1,363.87 90 Calendar Days $981.38 $1,209.76 180 Calendar Days $948.97 $1,169.81 365 Calendar Days $824.82 $1,016.78 48 Months $1,499.66 $1,330.21 $1,286.29 $1,118.01 60 Months $1,701.44 $1,509.18 $1,459.35 $1,268.44 72 Months $1,845.62 $1,637.08 $1,583.02 $1,375.92 96 Months $2,051.77 $1,819.93 $1,759.85 $1,529.62 120 Months $2,187.70 $1,940.50 $1,876.43 $1,630.95 Unlimited $2,581.58 $2,289.86 $2,214.26 $1,924.59
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COST OF WAITING for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Based on the options shown above, and assuming that your health would not affect available discounts, this table illustrates how much more you might pay, if you postpone purchasing this coverage. Values shown include increases in coverage based on your selected Benefit Increase Option, and do not take into consideration the time value of money, i.e., that due to inflation, a dollar in the future has less value than a dollar today. When Purchased Today In 1 Year In 5 Years In 10 Years Age Monthly Benefit Amount $4,000 $4,200 $5,105 $6,516 Annual Premium $3,166.03 $3,684.64 $6,017.36 $12,487.42 If Premium Paid To Age 85 of Proposed Insured $63,320.60 $70,008.16 $90,260.40 $124,874.20 Cost of Waiting
65 66 70 75
$0.00 $6,687.56 $26,939.80 $61,553.60
Reasons to Buy Long Term Care Insurance Now!

Each Year You Wait Means You... Have no long term care insurance should you need it. u May have to choose a higher benefit level to keep up with rising long term care costs. u Will pay higher premium rates for the same coverage due to your increased age. u Put yourself at risk of not being in good health and able to qualify for coverage. u Current plans and benefits may not be available. u
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BREAK EVEN ANALYSIS for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: Number of Years Premiums are Paid 2 5 10 15 20 u u $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Total Premium Paid $6,332.06 $15,830.15 $31,660.30 $47,490.45 $63,320.60 Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: Monthly Benefit $4,200.00 $4,862.03 $6,205.31 $7,919.73 $10,107.80 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94 Break Even Days 45 98 153 180 188
The "Break Even Analysis" illustrates the maximum number of days of care that you could pay for, assuming you use your full Monthly benefit amount for each month, if you were to use only the premiums paid for the coverage as depicted. Break Even Days is derived by dividing Total Premium PAID for your coverage over time by the Monthly benefit. All premium amounts shown are rounded to the nearest dollars.
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PAYMENT OPTIONS COMPARISON for Valued Client (Assumes Annual Premium Mode) Your total annual payments will be higher for other modes Plan Options Pool of Money: Monthly Maximum: Benefit Multiplier: Elimination Period: Benefit Increase Option: Restoration Benefit: Survivorship Benefit: Nonforfeiture Benefit: Refund of Premium Benefit: Premium Payment Period: Home Care Type: Home Care Percentage: Bed Reservation Benefit: International Coverage Benefit: Respite Care Benefit: Assisted Living Facility Benefit: $288,000.00 $4,000 Monthly 72 Months 90 Calendar Days 5% Compound None None None None Lifetime Formal and Informal 100% 60 Days Included 30 Days Includes Room Charges Assisted Living Facility Percentage: Waiver of Premium: Shared Coverage Option Assumes Identical Coverage: Transition Benefit: Covered Percentage: 1st Day Home Care Elimination Period: Premium Payment Mode: Age: Modal Premium: Preferred Health Discount (10%): Couple's Discount (40%): Total Modal Premium: Multi Life Discount (0%): Net Modal Premium: 100% Full Premium Waiver None None 100% Included Monthly 65 $474.90 $0.00 $189.96 $284.94 $0.00 $284.94
Lifetime
YEARS IN FORCE First Year After 10 Years After 20 Years u u u Age 65 75 85 Total Premium Paid $3,166.03 $31,660.30 $63,320.60 Policy Paid Up No No No
10-Pay
Total Premium Paid $6,110.44 $61,104.40 $61,104.40 Policy Paid Up No Yes Yes
Pay-To-65
Total Premium Paid N/A N/A N/A Policy Paid Up N/A N/A N/A
This page illustrates the total premiums paid at certain time intervals for the available Premium Payment Options. When you choose Limited Pay (10-Pay or Pay-To-65), Genworth Life has the right to increase premiums during the payment period. Premiums shown are not guaranteed.
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IMPORTANT NOTES: This is a solicitation of insurance and an insurance agent/producer will contact you. This is not a contract of insurance. Coverage is subject to the underwriting requirements of Genworth Life Insurance Company. Privileged Choice Flex is underwritten by Genworth Life Insurance Company, using policy form series 7052. State variations may apply. A Summary of Coverage, including benefits, limitations and exclusions are set forth in the accompanying Outline of Coverage. Policy Terms & Provisions will prevail. This Long Term Care Insurance quote is intended for illustrative purposes only and may be subject to change for any reason, including changes in premiums quoted. Dollar amounts may be rounded for purposes of Illustration. In the event coverage is issued, any difference between the premiums quoted in this illustration and the premiums shown in your Policy Schedule, the premiums shown in your Policy Schedule will govern. Premiums shown are subject to the terms and conditions of the Policy and may change in the future. While Genworth Life Insurance Company reserves the right to raise future premiums by class and state your premiums will never increase individually due to changes in your health status or your age. Certain eligibility requirements must be met to qualify for the preferred health, Multi-Life and couples discounts. Couples Discount is 25% if only one becomes insured. Policies qualifying for the Multi-Life Discount will have a 5% discount taken from the net premium after all other applicable discounts (i.e. preferred health, couples, etc.) have been applied. Coverage under the Policy is intended to be qualified long term care insurance under federal tax law (IRC 7702B). You should consult your tax advisor to determine the income tax implications of paying premiums and receiving benefit payments.
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Genworth Life Insurance Company Long Term Care Insurance Division Administrative Office: 3100 Albert Lankford Drive Lynchburg, VA 24501-4948
Please read carefully.
T H E K E N T UCKY LONG TERM CARE PARTNERSHIP I N S U R A N C E PROGRAM NOTICE

Introduction: In 2008, legislation was passed which allowed Kentucky to establish the Kentucky Long-term Care Partnership Insurance Program through a partnership among the Department for Medicaid Services (DMS), the Department of Insurance (DOI), and private long-term care (LTC) insurance companies. Under this program, special LTC insurance policies may be issued to encourage an individual to insure against the cost of providing for LTC needs without depleting all assets and assist in reducing the financial burden on the Kentucky Medicaid Program. These policies will be available beginning June 16, 2008 and must meet certain state and federal requirements. What is Long-Term Care and Why Do I Need Long-Term Care Insurance? LTC insurance is a form of health insurance that provides coverage for nursing home care for at least a year. A LTC insurance policy will pay for various services to maintain an individuals quality of life. Long-term care services refer to a wide range of medical and/or personal services for people who need hands-on or standby assistance with activities of daily living, including getting in and out of bed, toileting, bathing, dressing, and eating or medical care due to functional limitations, chronic health conditions or cognitive (thinking) impairments like Alzheimers disease. Someone with a cognitive impairment normally needs supervision, protection or verbal reminders to do everyday activities. LTC services might include skilled, intermediate or personal nursing care, home health care, adult day care, respite care, rehabilitation and assistance with activities of daily living. The majority of people will need some type of LTC in the future and Medicare and health insurance policies usually do not cover LTC services. Therefore, you may wish to purchase LTC insurance to cover these services. This decision should be based on your personal health and finances. As with any insurance policy, only you can decide if a LTC insurance policy is right for you. What is Medicaid? Medicaid is a Medical Assistance program for families and individuals who meet both technical and financial eligibility requirements. The guidelines and income standards are not the same in every state. The Department for Medicaid Services, which is part of the Cabinet for Health and Family Services, administers the Kentucky Medicaid Program (http://www.chfs.ky.gov/dms/). General Medicaid Eligibility Requirements and Information: The purchase of a LTC partnership insurance policy does not guarantee eligibility for Medicaid. Medicaid eligibility is complex and must be determined on a case by case basis by an eligibility specialist at your local Department for Community Based Services Office. Applicants must provide: - Proof of Income; - Evidence of Social Security Number; - Proof of Identity (Drivers License); - Proof of Citizenship (Birth Certificate); - Proof of Health Insurance, if applicable, including any LTC insurance information; - Documentation of all resources or assets currently owned and anything disposed of in the three to five years prior to application. Medicaid eligibility has special rules that relate to married couples, property where the Medicaid applicant resides, homes over a certain value, vehicles, and burial arrangements. Medicaid recipients of LTC assistance are subject to Medicaid estate recovery, which means that Medicaid has the right to recover any money spent on your behalf from your estate after your death. How Does the Kentucky Long-term Care Partnership Insurance Program Work? The DOI and DMS developed the requirements for LTC partnership insurance policies, which are consistent with federal law. These requirements are published as Kentucky administrative regulations. The insurance companies develop policies that follow these requirements and train their agents in order for the company to sell long-term care partnership insurance. Inflation protection also called inflation benefits helps a LTC policy keep up with the rising costs of LTC services by automatically increasing benefits each year. A LTC partnership insurance policy is required to include: For an individual who had not attained age 61 as of the original date of purchase, an annual inflation benefit of not less than three percent (3%) calculated on a compound basis; and For an individual who had attained age 61 to 75 as of the original date of purchase, an annual inflation benefit of not less than three percent (3%) calculated on a simple basis. Inflation protection is not required for individuals over age 76, but it is available for an additional cost. All LTC partnership insurance policies are federally tax qualified. This means that the benefits or claims you receive from the policy may not be considered taxable income. If you itemize your deductions, you may be able to deduct LTC insurance premiums as medical expenses up to the Internal Revenue Service limit. Many states, including Kentucky, may offer state tax incentives for individuals obtaining a LTC insurance policy. Please consult with your tax specialist for specific information regarding the tax treatment of LTC partnership insurance policies.
Long term care insurance is underwritten by Genworth Life Insurance Company.

LTCPIP-2 (2/2009) 40521KY 06/01/11
Medicaid eligibility is very complex and must be determined on a case by case basis by an eligibility specialist at your local Department for Community Based Services Office. If you apply for Medicaid benefits, a LTC partnership insurance policy allows you to keep assets equal to the amount of LTC partnership insurance benefits you received. For every dollar that a LTC partnership insurance policy pays in benefits, a dollar of personal assets may be protected (disregarded or not counted) by Medicaid during the eligibility review and, if approved, those protected assets would not be subject to estate recovery. Generally, an unmarried person utilizing LTC services may qualify for Medicaid when he or she has assets of $2,000 or less. For example, if you have $100,000 in assets (stocks, bank accounts, investments, etc), Medicaid could require you to spend down $98,000 in assets before you could be eligible for Medicaid benefits. However, if you have a LTC partnership insurance policy that has paid out $50,000 dollars in benefits, Medicaid could disregard $50,000 and you would be required to spend down $48,000 in assets before you could be eligible for Medicaid benefits. Kentucky has entered into a reciprocal agreement with the majority of states that offer LTC partnership programs. This means that if you buy a LTC partnership insurance policy in Kentucky and later move to another state with a LTC partnership insurance program, you may receive the same dollar for dollar asset protection benefit from the other states Medicaid program. Not all states participate in a reciprocal agreement; therefore, it is important to check before you move.
Partnership Insurance Policy Facts: Asset Protection (asset disregard or assets not counted for Medicaid eligibility) is based on the amount that the insurance company pays in benefits. Asset Protection is NOT based on the value of the policy or the amount of premiums paid. Existing LTC insurance policies will not automatically qualify as LTC partnership insurance policies. Contact your insurance company for information on exchanging an existing policy. Purchasing a partnership insurance policy does not guarantee eligibility for the Kentucky Medicaid Program; you must meet Medicaid eligibility requirements. Contact the Department for Medicaid Services if you have Medicaid eligibility questions. Additional Information. If you have questions regarding LTC partnership insurance policies please contact Genworth Life Insurance Company at 800-456-7766 and/ or the Kentucky Department of Insurance at 800-595-6053 or visit www. insurance.ky.gov. If you have questions regarding Medicaid eligibility, you can visit the Department for Medicaid Services Web site at http://chfs. ky.gov/dms/Eligibility.htm or contact the Medicaid Eligibility Policy Branch at 502-564-6204.
Long term care insurance is underwritten by Genworth Life Insurance Company.

LTCPIP-2 (2/2009) 40521KY 06/01/11

Genworth Long Term Care Quote 07182012

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Genworth Long Term Care Quote 07182012

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PRIVILEGED CHOICE FLEX Offered by Genworth Life Insurance Company To be Issued in: Kentucky

Benefit Option Monthly Maximum:

24 Months 36 Months 48 Months 60 Months 96 Months 120 Months Unlimited

Benefit Option Elimination Period:

Benefit Increase Option:

3% Compound 5% Equal 5% FPO every 3 years None

10 Year* 7 Year Enhanced**

10 Year Included with Joint Waiver of Premium

50% 50% 10 Pay Included Included None

$3,013.09 $2,976.38 $6,110.44 $3,312.20 $3,779.95 $2,984.78

($152.94) ($189.65) $2,944.41 $146.17 $613.92 ($181.25)

$0.00 $6,687.56 $26,939.80 $61,553.60

Reasons to Buy Long Term Care Insurance Now!

Benefit Option Monthly Maximum:

24 Months 36 Months 48 Months 60 Months 96 Months 120 Months Unlimited

Benefit Option Elimination Period:

Benefit Increase Option:

3% Compound 5% Equal 5% FPO every 3 years None

10 Year* 7 Year Enhanced**

10 Year Included with Joint Waiver of Premium

50% 50% 10 Pay Included Included None

$3,013.09 $2,976.38 $6,110.44 $3,312.20 $3,779.95 $2,984.78

($152.94) ($189.65) $2,944.41 $146.17 $613.92 ($181.25)

$0.00 $6,687.56 $26,939.80 $61,553.60

Reasons to Buy Long Term Care Insurance Now!

Please read carefully.

T H E K E N T UCKY LONG TERM CARE PARTNERSHIP I N S U R A N C E PROGRAM NOTICE

Long term care insurance is underwritten by Genworth Life Insurance Company.

Long term care insurance is underwritten by Genworth Life Insurance Company.

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