Genworth Financial Simplified Issue Life Insurance

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GenGuard UL and Colony Term UL Update

In 2009, the Genworth Financial companies introduced several new products to the marketplace. In the second quarter, they launched the new GenGuardSM suite of guaranteed universal life insurance products, which includes GenGuard ULSM and GenGuardSM SUL. On November 16, they introduced an innovative new product to the marketplace: ColonySM Term UL.

Effective December 14, 2009, GenGuard UL will be available in both California and Nevada. GenGuard UL replaces our popular Lifetime FlexPlus® II product and is priced to be most competitive for death-benefit guarantees* lasting to age 105. GenGuard UL retains several features of Lifetime FlexPlus II, including the customer-friendly secondary guarantee administration and 1035 process. Learn more about GenGuard UL here.

Additionally, as of December 14, 2009, Colony Term UL NY is now available in New York. Colony Term UL NY is an affordable, flexible-premium adjustable universal life insurance product. As with term life insurance, it offers the ability to choose a pattern of planned premiums comparable to term life insurance premiums that can maintain the death benefit for a particular period while providing the flexibility of universal life insurance. Colony Term UL NY allows you to continue to serve the term marketplace with a product that is as attractively priced as - or better than - the Term series. Find out more about Colony Term UL NY .



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Genworth Life and Annuity Insurance Company
Address1 700 Main Street
Address2 -
City Lynchburg
State VA
Zip 24504
Phone Number -
Fax Number -

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Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

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Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


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