L O N G - T E R M C A R E C H O I C E

P A R T N E R S H I P I N S U R A N C E P L A N

Underwritten by Genworth Life Insurance Company

20283 04/14/10

YOUR CHOICE FOR LONG TERM CARE PROTECTION

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.

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.

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.

This long term care insurance plan is an approved California Partnership for Long-Term Care contract. It includes unique Asset Protection provided by the State of California. The benefits you receive under this insurance plan will count toward Asset Protection under California’s Medi-Cal. Protected assets are exempt from Medi-Cal’s “spend-down” requirements. Please read the accompanying booklet published by the California Partnership for Long-Term Care, entitled “Before You Buy” for a description of Medi-Cal Asset Protection and asset/income eligibility criteria under the California Partnership for Long-Term Care.

This Long-Term Care Choice Partnership Insurance Plan (Plan) is offered only to residents of California. Benefits under the Plan are available regardless of the state in which you receive covered care or services. However, in order for benefits under the Plan to apply toward Medi-Cal Asset Protection, you must be a resident of California when you buy your policy. If you need Medi-Cal to cover long-term

A B O U T L O N G - T E R M C A R E C H O I C E P A R T N E R S H I P

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care expenses when and if policy benefits under the Plan are exhausted, you must also be a resident of California. With Medi-Cal Asset protection, one dollar of assets is protected for every dollar paid out in benefits under the Plan. For example, if your lifetime maximum was $150,000 and that amount was exhausted, $150,000 of your assets will be protected if Medi-Cal must be utilized to cover further long-term care expenses.

When you think about long term care, you may only consider the cost. But money is just part of the long term care issue.

Ask yourself these questions: Can you stay in your home? How will you pay for your care? Who will oversee and coordinate your care?

The reality of long term care is that if the need arises, few people may know how to handle this potentially life-changing event. If you need long term care, you may need someone to help assure that you receive quality care, and maintain your independence and dignity. Just as a physician will coordinate your medical needs, a Privileged Care® Coordinator from a Care Management

C A R E C O O R D I N A T I O N B E N E F I T

Provider Agency will facilitate your long term care services.

Privileged Care Coordination includes:• Alicensedhealthcarepractitionerfrom

a Care Management Provider Agency selected by, but independent from us, and approved by the California Partnership for Long-Term Care, who can provide the certifications needed for benefit eligibility

• Aresourcefamiliarwithlocallongtermcare services

• Afacilitatorwhowillhelpensureyoursafety and comfort, in the setting that’s right for you, including your home

To qualify you for benefits, a Privileged Care Coordinator will:• Meetwithyouinyourhometohelp

assess your care needs and, with the assistance of your family and personal physician, develop a Plan of Care

• ModifyyourPlanofCareasyour needs change

If desired by you, a Privileged Care Coordinator will also:• ExplainyourPlanofCaretoyourcare

providers• Coordinateandhelpyouscheduleyour

care providers• Monitoryourprogressonanongoingbasis• Helpwithcompletionofformsrequired

to obtain claims reimbursement under the policy

We will pay for the expenses you incur for the above services and for a Privileged Care Coordinator to certify your eligibility for benefits. These expenses will not count against your Lifetime Payment Maximum.

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Your Plan of Care will outline the support and services you may need.For example:• Homehealthcareservicesprovided

by nurses, audiologists, and physical, occupational, respiratory, or speech therapists

• Personalcareandhomemakerservices,such as preparing meals, doing laundry and light housekeeping

• Adultdayhealth/socialcare,whichismedical 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

• Hospiceservicesareoutpatientservicesnot 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)

• Nursinghome/Residentialcarefacilities

Your home care services will be monitored on an ongoing basis, and your Plan of Care modified as your needs change.

A Privileged Care Coordinator will assist you by recommending care providers, but you are in control of the choice of provider. Personal care and homemaker providers can be independent, and do not need to be affiliated with a home health care agency.

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C A R E C O O R D I N A T I O N S E R V I C E S

H O W T O B E C O M E E L I G I B L E F O R B E N E F I T SYou 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 Privileged Care Coordinator, or a doctor, nurse or other licensed health care practitioner from a Care Management Provider Agency 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.

Benefits are available for care and services you receive in accordance with your Plan of Care. To

receive benefits, your Plan of Care must be prepared by a Privileged Care Coordinator from a Care Management Provider Agency selected by, but independent of us, who has been approved by the California Partnership for Long-Term Care.

Pre-existing conditions are coveredOnce your policy is in effect, there are no policy restrictions for pre-existing conditions. While coverage is provided for pre-existing conditions, 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 coverageMental illness and Alzheimer’s disease are covered subject to the same provisions, limitations and exclusions applicable to any other condition.

Activities of Daily Living:

BathingEating

DressingToileting

ContinenceTransferring

*Bed Reservation You may be in a nursing or residential care facility and need to leave temporarily (for example, to a stay in a hospital.) We will reimburse up to 50 days per year for the cost of assuring that your bed or room is reserved for your return.

*Other Care and Services You may request reimbursement for care and services not other-wise 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 reimbursablesubjecttothesameEliminationPeriod requirements applicable to similar care or services otherwise covered under the policy. Examplesinclude:home-deliveredmeals; in-homesafetydevices;additionalsupportiveequipment;staysinothertypesoffacilities.

*Equipment and Home Modification If you need items such as a ramp, special bed, or grab bars, which will allow you to stay in your home for at least 90 days, we will reimburse a lifetime maximum of up to 50 times the Maximum Daily Benefit.

*Caregiver Training If an informal, unpaid caregiver, such as a spouse, relative, or friend needs training to help care for you at home, we will reimburse a lifetime maximum of up to five times the Maximum Daily Benefit for this training.

*Respite Care If your primary, unpaid caregiver needs to take a break, we will reimburse temporary care for you in a nursing or residential care facility, in your home, or in a community-based program up to your maximum daily benefit for up to 21 days a year.

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

ADDITIONAL HOME CARE AND COMMUNITY CARE BENEFITS

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

We will reimburse for covered expenses incurred (up to the Daily or Monthly Maximum Benefit) for any level of covered care received while in:

• Yourhome(reimbursedat50%or100%of the daily maximum benefit)

• Adultdaycarefacilities• Nursingfacilities(includingprivateduty

nursing when you are confined in a nursing facility)

• Residentialcarefacilities(reimbursedupto70%unlessyouhaveelectedtheHighLimitResidentialCareRider)

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

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INCLUDED FEATURES AND BENEFITS

Guaranteed Renewable As long as your premiums are paid on time, your coverage is guaranteed renewable. We do retain the right to raise future premiums for all California Partnership policyholders in the same class and state but only upon prior approval from the California Insurance Department.

30-Day Free Look If you are not completely satisfied with your policy, simply return it within 30 days after you receive it, and we will give you a full refund.

Late Payment Protection To make sure your policy doesn’t lapse by mistake, you may designate another person for us to notify if we do not receive your premium payment on time.

Protection Against Policy Lapse If your policy lapses, we will retroactively reinstate your policy, if within seven months after lapse, we receive proof that you met benefit eligibility requirements, and provided you pay all past due premiums.

Waiver of Premium Benefit We will waive premium payments for each coverage month that begins while you are receiving benefits, either in a nursing or residential carefacilityaftersatisfyingtheEliminationPeriod;orathome.

Policy Upgrade Feature If we develop any long term care insurance with new benefits or benefit eligibility provisions for California residents in the future, 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.

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 Survivorship Benefit Rider which removes this benefit from your policy and will reduce your premium.

Optional 50% Home Care You may select this option which decreases the maximum amount reimbursed under the Home and Community Care Benefit to a Monthly Maximum of 15 times your Daily Maximum. This will reduce your premium.

Optional Nonforfeiture Benefit If your policy lapses after three years, this benefit provides you with a reduced paid-up Lifetime Payment Maximum. This reduced amount is the greater

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OPTIONAL BENEFITS

of all premiums paid to your policy, or 90 times your Maximum Daily Benefit at the time your policy lapsed. You will not be required to make further premium payments to maintain this benefit. (Available for an additional premium.)

Optional High Limit Residential Care This option increases the maximum amount reimbursedundertheResidentialCareFacilityBenefitfrom70%to100%ofyourDailyMaximum. (Available for an additional premium.)

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

Preferred Health DiscountIf you apply alone, are eligible and in good health,youcanreceivea20%discountonyour premiums for the life of your policy. The preferredhealthdiscountis10%ifyouqualifyfor the couples discount.

Discounts for Couples •Ifbothofyouareeligible,applyforandare

issued individual policies, both of you will receivea40%premiumdiscount.

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

•Thepreferredhealthdiscountof10%canbe combined with a couples discount, which means that your total discount could be as highas50%each(35%ifonlyoneisissued a policy).

NOTE: Applicants who are married are eligible for this discount, as are couples or unmarried family members of the same generation, who live together and share basic living expenses.

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-PayThis 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-65This 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.

Elimination Period This is the number of days covered long term care services must be received before your benefits begin, similar to a deductible. Once you have satisfied your selectedEliminationPeriod,youwillneveragainhavetosatisfyanotherEliminationPeriod.

Optional Revised Elimination Period Rider The Home and Community-Based Care Benefit alwayshasazero-dayEliminationPeriod.TheOptionalRevisedEliminationPeriodRiderappliestheEliminationPeriodtoHomeandCommunity-BasedCare.Noreimbursementwill be made under this Benefit for expenses incurredpriortothedatetheEliminationPeriodhas been satisfied. When this rider is selected, premiums are reduced.

Benefits are not available for care, stays, or other items:• ProvidedbyaFamilyMember,unless: - the Family Member is a regular employee

of the organization that is providing the services;and

- the organization receives payments for theservices;and

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

• ProvidedbyorinaVeteransAdministrationor 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.

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EXCLUSIONS AND LIMITATIONS

Automatic Compound Benefit Increase To help protect you against potential increases in the cost of long term care, your Daily Maximum, Monthly Maximum, and Lifetime Payment Maximum will automatically be increased annually starting with the second yearby5%ofthepreviousamounts(compoundincreases). The increase applies at every coverage anniversary date, even if claims are being reimbursed at the time and regardless of any claims that may have been reimbursed. Exception:Ifyouareage70orolderwhenyouapply, you may instead elect that your Daily Maximum, Monthly Maximum, and Lifetime PaymentMaximumincreaseannuallyby5%of their original amounts (equal increases).

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

Exampleofincreasingbenefitwitha$160dailymaximumandabenefitmultiplierof2,190(6years)

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 witha$160dailymaximum

$160

• Forwhichnochargeisnormallymadeintheabsence of insurance.

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

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

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 NAPPLICANT A APPLICANT B

Maximum Daily Benefit Choose a Daily Benefit from $160 to $400 a day. You have a choice of a 30 or 901 day Elimination Period. One day of your nursing/residential care facility Elimination Period will be satisfied for each day you receive covered Home Care benefits.1 Not available with 365 Benefit Multiplier.

$ _________ /day

_________ days

$ _________ /day

_________ days

Benefit MultiplierChoose a 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: 3652, 730, 1,095, 1,460, 2,190, or Unlimited. 2 Not available with 90 day Elimination Period.

X ______________ X ______________

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 Increases5% Compound - Mandatory unless 5% Equal applies.Optional 5% Equal (Must be age 70 or older)

Optional 5% Equal

Optional 5% Equal

Home Care Maximum Monthly BenefitYour Home Care Benefit is a monthly maximum equal to either 15 (50% Home Care) or 31(100% Home Care) times your Daily Maximum

50% Home Care 100% Home Care

50% Home Care 100% Home Care

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

Optional Benefits (for an Additional Premium) (See page 6.)

High Limit Residential Care Option Nonforfeiture Option

High Limit Residential Care Option Nonforfeiture Option

Discounts (See page 6.)

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 $ ____________ $ ____________

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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 7037C Rev 2009. All applications are subject to the underwriting requirements of Genworth Life Insurance Company.

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N O T E S

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

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

Medicaid/Medi-Calbenefits• youhavelimitedassetsandcan’taffordthe

premiums• youronlysourceofincomeisasocialsecurity

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.

Long-Term Care Choice Partnership Insurance Plan

is underwritten by Genworth Life

Insurance Company Long Term Care

Insurance Division 6620 West Broad Street

Building 4 Richmond, VA 23230

©2006-2010 Genworth Financial, Inc.

All rights reserved. Genworth,

Genworth Financial and the Genworth logo are registered service marks of

Genworth Financial, Inc.

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.

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.