Genworth's SmartRate Optional ROP has been added to 3 more states -IN,MN and NJ

Effective Wednesday, October 23rd in all states.

News Image 10-21-2013

Effective Wednesday, October 23rd, the Return of Premium (ROP) feature on SecureLiving SmartRate will be optional in all states. If ROP is not selected at application, a higher interest crediting rate will apply during the initial guaratee period (amounts vary by term). See rate flyer for details. A new rate flyer for SecureLiving SmartRate with optional ROP will be available on 10/23.

In addition to the optional ROP, SmartRate will have the following changes in these states effective Wednesday:
-Minimum guaranteed interest rate increases from 1.0% to 1.5% during the firt seven years.
-7-year surrender schedule in NJ will now be
8%,8%,7%,6%,5%,4%,3%,0%
-An additioanl jumbo rate band has been added for premiums of $250k and higher.