TLC FACT SHEET
Initial Specified Amount
Total Living Coverage®
Total Living Coverage®
Leverage and the
Initial Specified Amount
Understand how to estimate the Initial Specified Amount
using Initial Premium and leverage factors.
The Initial Specified Amount determines how much your clients will
receive in long term care and death benefits. It can be estimated using
a leverage factor. This factor is based on the Initial Premium and your
client’s age, gender, and health.
Initial Premium x Leverage Factor = Initial Specified Amount
The Initial Specified Amount is also dependent upon riders and options
chosen, and on the current interest rate credited on the policy.
C A SE S T UDY
Meet Helen, a Total Living Coverage (TLC) owner
Age: 60 year-old female
Initial Premium: $100,000
Approximate Leverage Factor: 2.4x
$240,000 Initial Specified Amount
Initial Specified Amount: $240,000
The Initial Specified Amount is more than
twice the amount of Helen’s Initial Premium.

Age
50
55
60
65
70
75

Female 3.3x 2.7x 2.4x 1.9x 1.5x 1.2x
Male
3.0x 2.5x 2.2x 1.8x 1.5x 1.2x
Approximate Leverage Factors
$100,000 Initial Premium × 2.4 Leverage Factor = $240,000 Initial Specified Amount
This is a hypothetical example.
Underwritten by
Genworth Life Insurance Company, Richmond, VA
159690FSA 05/13/14 For Producer/Agent Use Only. Not to be reproduced or shown to the public.
Total Living Coverage® is underwritten by Genworth Life Insurance Company, Richmond, VA.
Total Living Coverage universal life insurance with long term care benefits is subject to state availability and the
terms, issue limitations and conditions of Policy Form No. ICC12-GL5000 and Rider Form Nos. ICC12-GL500R,
ICC12-GL501R, ICC12-GL502R, and ICC12-GL503R or Policy Form No. GL5000 0212 et al. and Rider Form Nos.
GL500R 0212 et al., GL501R 0212 et al., GL502R 0212 et al., and GL503R 0212 et al.
Policy, benefits and riders may not be available in all states. Terms and conditions may vary by state.
Refer to the policy for definitions and more details regarding coverage and its features. This flier provides
a summary of coverage. Policy terms and provisions will prevail.
All guarantees are based on the claims-paying ability of the issuing insurance company.
Insurance and annuity products:
May decrease in value.
Are not deposits.
Are not guaranteed by a bank or its affiliates.
Are not insured by the FDIC­­or any other federal government agency.
For Producer/Agent Use Only. Not to be reproduced or shown to the public.
©2014 Genworth Financial, Inc. All rights reserved.