Genworth LPI

Company Confidential ©2014 Genworth Financial, Inc. All rights reserved.

About Genworth LPI

Corporate Overview

NOTICE: This document contains confidential, non-public company information. Further distribution of this document is strictly prohibited.

Lifestyle ProtectionCompany Confidential

Genworth Financial

We are A Fortune 500® global company that specialises in:

Global Mortgage Insurance

International Lifestyle Protection Insurance

Life and Long Term Care Insurance


Genworth Financial

MORE THAN $100 BILLION

IN ASSETS

MORE THAN 15 MILLION

CUSTOMERS

DATING BACK

TO 1871 WITH

143 YEARS UNDERWRITING

EXPERIENCE

A FORTUNE 500

COMPANY

TOTAL REVENUE

MORE THAN $9 BILLION

MORE THAN 5000 EMPLOYEES

MORE THAN

25 COUNTRIES

LIFESTYLE PROTECTION AND MORTGAGE

INSURANCE EXPERTS

DISTRIBUTION THROUGH

MORE THAN

600 INSTITUTIONS


Genworth LPI

To protect people when life’s

uncertainties happen

Our Mission

To protect people when life’s uncertainties

happen

Our Vision

To be the leading provider of specialist Lifestyle Protection

insurance products and services globally

Managing $800m in revenues

Financial Strength Rating A- by Standard

& Poor’s

Over 9 million customers

$2 billion in assets

$$

Independent provider of Lifestyle Protection products

Headquartered in London

International Service Centres in Ireland, Finland and Mexico

Operating across Europe, Latin America and Asia Pacific


Standard & Poor’s Rating A- Stable*

* June 2014

Our Capital and Earnings are categorised as

“Very Strong” and referenced as being “above

our requirements for the ‘AAA’ rating level”

Our Liquidity is also referenced as “Exceptional”

Outstanding financial strength of our entities

Financial Assurance Company Limited and

Financial Insurance Company Limited


Our people are central to our success

Deliver outstanding service to our clients and customers

Our People

We invest in training and

development so we deliver the

best service

Our volunteering and foundation help to make a

difference for those in need

Our values

Heart ExcellenceIntegrity

=


Official partner with WILLIAMS MARTINI RACING

Historically one of the most successful teams on the Formula 1® grid

Precision innovation and excellence are values at the heart of Williams which resonate strongly with our products and services

Sponsorship


Our Markets

EUROPE

LAUNCH DATE

1972 UK 1986 France1986 Ireland1986 Spain 1989 Portugal 1993 Finland 1994 Sweden1995 Netherlands1995 Norway1996 Denmark1996 Germany1996 Italy1998 Switzerland2004 Greece2005 Poland 2006 Turkey 2007 Austria2007 Belgium2007 Latvia 2007 Lithuania 2007 Estonia 2008 Hungary 2008 Slovakia


Our Markets

ASIA PACIFIC

CURRENT

Hong Kong

China

Korea

2015/16

Singapore

Japan

Malaysia

Taiwan

Thailand

Indonesia

Vietnam

Philippines


Our Markets

LATIN AMERICA

CURRENT

Mexico

Colombia

Peru

2014/15

Chile

Brazil


Our Capabilities

End-to-end marketing capabilities Technology

Customer experience

Industry and regulation Reinsurance

Product development

Local client & customer service

Pricing expertise


Our Value Proposition

Listen and learn

Understanding what you and your customers need

Can do culture

Endeavouring to do more than other insurance companies

Investment in people

Delivering customer service excellence

Improve and innovate

Evolving solutions as the market, industry & customer needs change

Investment in technology

Ensuring cutting edge solutions to meet your needs

Commitment to research

Sharing our insight and experience

Voice of the customer

Implementing customer centric processes and communications

Identifying opportunities and developing propositions

Market leading products & services

Committed to Client Care


Client Servicing

Delivering Customer service excellence

Optimising Customer Value

Driving Revenue Growth

Customer Servicing

In-CountryClaims

Management

CustomerService

Excellence

Multi-LingualServicing

Capabilities

OnlineClaims

Product and Marketing

CampaignManagement

Customer Insight & Data

Analytics

ChannelDistribution

Product Acquisition

Flexible Operating

Model

GR and PR

Single IT Platform

ClientPortal

Client Servicing


Our Products

Creditor

• Credit Card

• Overdraft

• Personal Loan

• Auto Loan

• Critical Illness

• Serious Illness

• Cancer Cover

• Family Income Plan

• Life

• Personal Accident

Life Protection Insurances

• Waiver of Premium

• Monthly Expenses

• Income

Insurance

Living ExpensesGAP and Commercial

• Auto GAP

• Commercial GAP

• Commercial

Finance


Our Products - Reinsurance

Our Reinsurance

programmes are designed

specifically for you and your requirements

We provide both traditional and

structured solutions

We also provide third-party

administrative services and

administer non-risk premium with some

relationships in Europe

Additionally, we manage structured

portfolio transactions

covering risks in Canada, Europe

and Asia


Marketing Expertise

Deepening relationships with existing customersReaching customers through new channels

Diversifying your product offeringEngaging new customer segments and markets

Actionable customer insight - driving increased partner profitability

Right Channel

Select the channels that offer maximum access to ‘omni channel’

customers

+

Right Message

Our insight and profiling allows us

to develop engaging customer messages

+

Right Time

And data analytics ensure we reach

the right customer at the right time

+

Right Price

Predictive modelling

allows us to suggest risk

based pricing solutions

+

Right Product

Segmentation identifies the right products

across the customer lifecycle


Client Servicing




Customer Servicing

In-CountryClaims

Management

CustomerService

Excellence

Multi-lingualServicing

Capabilities

OnlineClaims


CampaignManagement


Analytics

ChannelDistribution

Product Acquisition

Flexible Operating

Model

GR and PR

Single IT Platform

ClientPortal

Client Servicing


Client Servicing

Fast and adaptable

Flexible operational model

Rapid product launch capabilities

Adaptable and controlled premiums underwriting process

Multiple payment and collections options

Single IT platform with experienced change team

Protecting your brand

Partner protect service - ongoing monitor of book performance

Treating customers fairly embedded in everything we do

OCIF – operational controls integrated framework

Dedicated customer experience team

Government relations team

Continually innovating

Dedicated business transformation team driving innovation

Client portal

Data analytics

Migration solutions


Corporate SystemsOracle General Ledger Oracle AP/AR

Single Global IT Platform

TIA – Premiums & Claims Processes

FileNet – Image & Workflow

Avaya - Telecoms

Client InterfacesGIS File TransferClient Reporting Actuarial &

ModellingAlgo (Forecasting)

SAS (Analytics)

Data WarehouseKalido Warehouse

Qlikview Business Intelligence

Web ServicesOnline ClaimsPoint of SalePolicy ServicesClient Portal

A single IT platform across all markets providing you with faster launch times, reduced operational risk and increased data insight

Core OperatingPlatform


Client Portal

Online single source for

key information

Immediate access to

your information - protected by industry level

security


Regulation and Government Relations

Expertise

Pan-European expertise in regulatory developments

Close monitoring of emerging policy and regulatory thinking, and proactive engagement

Support Dedicated, ‘on the ground’ Legal,

Compliance & Government Relations team

Strong relationships and lines of communication with EU and national stakeholders

Government RelationsResearch-based insight to Clients, Regulators

and Policy Makers e.g. consumer research to demonstrate a product need


Client Servicing




Customer Servicing

In-CountryClaims

Management

CustomerService

Excellence

Multi-lingualServicing

Capabilities

OnlineClaims

Flexible Operating

Model

GR and PR

Single IT Platform

ClientPortal

Client Servicing


CampaignManagement


Analytics

ChannelDistribution

Product Acquisition


Flexible Operations Model

Local voice

Claims assessment expertise

Quality assurance

Complaints management

Employee tenure average 7 years

Local Operations

Operational resilience

Centralised claims management model in Shannon Ireland, Helsinki Finland and Léon Mexico

Product configuration and policy administration

Leading process improvement

Operational excellence, best practice sharing

International Service Centres

17 COUNTRY OFFICES IN EUROPE &

LATAM

3INTERNATIONAL

SERVICE CENTRES

225,000+ CLAIM

PAYMENTS P.A.

9 MILLION + POLICY

HOLDERS

400+ OPERATIONS AND IT TEAM

17 LANGUAGES

INTERNATIONAL SERVICE CENTRE KEY FACTS

Our operational model is fully adaptable to best meet your requirements


Unique Customer Experience

Unique customer

experience solution

Customer Survey

Industry Benchmarking

Call & ClaimsAssessment

Complaints Learning

DataAnalytics

Root CauseAnalysis

Deploy Improvement

Using Voice of the Customer to enhance

the services we offer every day

Continually evolving customer

journey driven by your

customers feedback

We go beyond transactional measurement

and we focus on measuring your

customer’s journey with

Genworth


Web ClaimsOur online service

provides customers with:

24/7 availability

Instant registration

Support and guidance online

Claims tracking

Privacy

Customer choice

Award-winning online claims tool to allow customers to register and

track their claims easily online


Legal Disclaimer

CM501.AS.11-14.1

DISCLAIMER: Genworth and Genworth Financial are the trading names of Financial Insurance Company Limited (Company No.1515187. FCA & PRA No.202639), Financial Assurance Company Limited (Company No.4873014. FCA & PRA No.229586), both authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and Financial Insurance Group Services Limited (Company No.1670707. FCA No.313219.) which is authorised and regulated by the Financial Conduct Authority.

The information, including any financial information, contained in this presentation is confidential and is provided solely for information purposes only and is not designed for use with policyholders or potential policyholders. It is furnished for your private information with the express understanding, which the recipient acknowledges, that it does not constitute an offer to sell (or the solicitation of an offer to purchase) any product or security, nor does it constitute investment advice and should not be relied on in making any investment decision. This presentation is not an invitation nor is it intended to be an inducement to engage in investment activity for the purpose of section 21 of the Financial Services and Markets Act 2000 (“FSMA”).

While the information contained in this presentation has been compiled in good faith, no representation is made as to its completeness or accuracy. Genworth does not accept any liability for the accuracy, adequacy or completeness of any information and is not responsible for any error or omissions or the result obtained from the use of such information. None of Genworth, its affiliates, directors, officers or employees shall have any liability whatsoever for any indirect or consequential loss or damage (including, without limitations, damage for loss of profits, business interruption or loss of information) arising out of the use of the information contained in this presentation. The recommendations contained in this presentation are statements of opinion and not statements of fact. Genworth makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission in any information contained in this presentation. Genworth reserves the right to add, modify or delete information in this presentation at any time.

Nothing in this presentation constitutes legal, accounting, regulatory or tax advice. This presentation has no regard to the specific investment objectives, financial situation or needs of any specific recipient. Recipients should make their own decisions based upon their own financial objectives and financial resources. If in doubt, prior to taking any decision, recipients should contact appropriately qualified advisors.

Genworth LPI

Business

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