Genworth Term Insurance

Genworth Term Insurance provides level term life products for customers who want larger amounts of term insurance coverage at very competitive rates.

These products are available to anyone between the ages of 18 and 80, depending on term product selection.

Note: Child riders are available to parent policies for children ages 15 days to 21 years. Applicant must have an active loan in order to originate the policy, but the policy is not limited to the loan amount. Secondary mortgage loan applicants are eligible as a "referral" application.

Applications administered through First Resource Group, Ltd.

Issue Ages	18-80, depending on term product selection
Child Rider Ages	15 days to 21 years
Minimum Amount	$50,000
Maximum Amount	None
Underwriting/Rates	Underwriting and rates are determined by applicant's age, gender, underwriting health classification, nicotine usage, policy plan and coverage amounts.
Discounts	Volume discount levels: 100,000 - 249,999 250,000 - 499,999 500,000 - 999,999 1,000,000 and over
Exclusions	Suicide during first two years of policy.
Beneficiary	Applicant can appoint any beneficiary. Note: GreenStone is not named as the policy beneficiary.
Plan Options	10, 15, 20, 30-year terms. Note: Plans offered may change frequently.
Accelerated Death Benefit	Allows for partial payment of death benefit if insured is terminally ill and not expected to survive more than 6 months.
Child Rider (small additional premium)	Child Riders - Up to $10,000 per child
Waiver of Premium (small additional premium)	Waiver of premium - Premium is waived if insured is disabled. Policy may be converted to permanent policy at any time prior to the end of the policy term.
Alternate Offer	If an applicant does not qualify for standard underwriting class, coverage may be offered as a "rated" policy at a higher premium rate.

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