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Since writing our first policy in 1871 as The Life Insurance Company of Virginia, we’ve been committed to helping people effectively protect and achieve the comfort of financial security. Today, even in this challenging environment, Genworth Financial is strategically focused and positioned to provide the stability, confidence and support our policyholders, customers and distributors can rely on now and in the future.

Solid Foundation

We are a publicly traded global financial security company with more than $100 billion in assets and a presence in more than 25 countries. We’re recognized in Standard & Poor’s 500 Index of Leading U.S. companies and ranked in the Fortune 500.

Trusted Solutions

Working with our distribution partners, we help people at key stages in their life through a wide-array of innovative products and financial services. From protecting and growing retirement income, to creating security through life, long term care and Medicare supplement insurance, to wealth management offerings and financial advisory services, to providing a safer, more secure path to homeownership, Genworth will be here to help provide financial security solutions.

Dedicated Employees

We’re proud of our worldwide employees who apply their diverse talents and dedication to make a positive difference in people’s lives while helping to protect against life’s uncertainties. They bring a special knowledge of what’s important to help millions of people experience the joys and security of financial freedom. This same level of caring inspires their commitment to enhance the quality of life in the communities in which we live and work through a combination of volunteerism, community partnerships and charitable contributions. That’s why we work hard to support our employees by fostering a motivating, challenging and dynamic environment.

Your Own Home

Mortgage Insurance

We help make dreams come true for families by providing mortgage insurance in many countries. Mortgage insurance helps people secure low down-payment loans to purchase their own homes – many for the first time.

Your Family’s Peace of Mind

Life Insurance

A sound financial plan includes life insurance to help protect your loved ones. Term life insurance helps provide foundational financial security. One feature of universal life insurance allows you to build cash value to help meet unexpected future financial needs. Life insurance can also be useful in business succession plans, wealth transfer strategies and estate planning.

Total Living Coverage SM – Universal Life and Long Term Care Insurance

Total Living Coverage includes two types of protection – long term care and universal life insurance, all rolled into one package. Total Living Coverage provides a pool of benefit dollars for covered long term care expenses, a death benefit for beneficiaries, or both.

Lifestyle Protection

We provide Lifestyle Protection to customers throughout Europe. Lifestyle Protection customers meet their payment obligations on outstanding financial commitments, such as mortgages, personal loans or credit cards, in the event of a misfortune such as illness, involuntary unemployment, temporary incapacity, permanent disability or death.

Your Aspirations


Genworth Financial companies offer a variety of annuity options for those who want to build a future using tax-deferred products. Annuities allow you the opportunity to build wealth and receive regular income at a later date of your choosing. We offer innovative individual and group annuities that provide people with paychecks they can’t outlive.

Group Variable Annuity – ClearCourseSM

ClearCourse is an investment option within a company’s 401(k) plan that is designed to help people enjoy a more carefree retirement by providing income that is guaranteed for life. All guarantees are based on the claims-paying ability of Genworth Life and Annuity Insurance Company.

Investment Products

As investment advisors, we work with investment professionals nationwide to provide clients with innovative investment solutions, comprehensive and flexible enough to meet their needs today as well as in the future.

Your Independence

Long Term Care Insurance

As we reach retirement years, many of us may require extended care either in a hospital or at home. Long term care insurance can help make sure you have the financial resources to cover the extra associated costs. We offer a variety of options to individuals and groups, so you won’t have to rely on family and friends when an unexpected illness strikes or the need for at-home assistance arises.

Medicare Supplement Insurance

Medicare Supplement Insurance (also called Medigap) is a health insurance policy sold by a private insurance company to help fill the “gaps” in the original Medicare plan. While Medicare provides valuable coverage for health related expenses, it leaves holes that you will either pay for out-of-pocket or with private insurance.

Our Ratings

Financial strength ratings provided by independent organizations.

Company Ratings

A.M. Best, S&P, Moody’s, Fitch and DBRS review their ratings periodically and we cannot assure you that we will maintain our current ratings in the future.  These and other agencies may also rate our company or our insurance subsidiaries on a solicited or an unsolicited basis.  Ratings are not designed to be, and do not serve as, measures of protection or valuation offered to investors.  These financial strength ratings should not be relied on with respect to making an investment in our securities.  Each of the following organizations use a different ranking system to rate insurers; they are not equivalent to one another. See the information below about Rating Categories to learn more.

Ratings current as of 2/2/2011

Industry Ratings

Our principal life insurance subsidiaries are rated by A.M. Best, Standard and Poor’s, Moody’s and Fitch as follows:

Company A.M. Best Standard & Poor’s Moody’s Fitch
Genworth Life Insurance CompanyAAA2A-
Genworth Life Insurance Company
(Short-term Rating)
Genworth Life and Annuity Insurance CompanyAAA2A-
Genworth Life and Annuity Insurance Company
(Short-term Rating)
Genworth Life Insurance Company of New YorkAAA2A-
Continental Life Insurance Company of Brentwood, TennesseeA-N/AN/AA-
American Continental Insurance CompanyA-N/AN/AN/A

Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company and Genworth Life Insurance Company of New York ratings do not apply to the safety or performance of underlying portfolios of variable products, which will fluctuate and could lose value.

Our principal Lifestyle Protection insurance subsidiaries are rated by Standard and Poor’s as follows:

Company Standard & Poor’s
Financial Assurance Company LimitedA-
Financial Insurance Company LimitedA-

Our mortgage insurance subsidiaries are rated by Standard and Poor’s and Moody’s as follows:

CompanyStandard & Poor’sMoody’s
Genworth Mortgage Insurance CorporationBB+Baa2
Genworth Financial Mortgage Insurance Pty Limited (Australia)AA-A1
Genworth Financial Mortgage Insurance Limited (Europe)BBBBaa3
Genworth Residential Mortgage Insurance Corporation of NCBB+Baa2
Genworth Financial Mortgage Insurance Company Canada (1)AA-N/A
Genworth Seguros de Credito a la Vivienda S.A. de

(1)Genworth Financial Mortgage Insurance Company Canada is also rated by Dominion Bond Rating Services (DBRS). The DBRS rating is “AA”.

A.M. Best states that its “A” (Excellent) and “A-” (Excellent) ratings are assigned to companies that have, in its opinion, an excellent ability to meet their ongoing insurance obligations. The “A” (Excellent) and “A-” (Excellent) ratings are the third- and fourth-highest of fifteen ratings assigned by A.M. Best, which range from “A++” to “F.”

S&P states that an insurer rated “AA” (Very Strong) has very strong financial security characteristics that outweigh any vulnerabilities, and is highly likely to have the ability to meet financial commitments. Insurers rated “A” (Strong), “BBB” (Good), or “BB” (Marginal) have strong, good, or marginal financial security characteristics, respectively. The “AA”, “A”, “BBB” and “BB” ranges are the second-, third-, fourth- and fifth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing in a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “AA-“, “A”, “A-“, “BBB” and “BB+” ratings are the fourth-, sixth-, seventh-, ninth- and eleventh-highest of S&P’s 21 ratings categories. The short-term “A-1” rating is the highest rating and shows the capacity to meet financial commitments is strong. An obligor rated “mxAA” has a very strong capacity to meet its financial commitments relative to that of other Mexican obligors. The “mxAA” rating is the second-highest enterprise credit rating assigned on S&P’s CaVal national scale.

Moody’s states that insurance companies rated “A” (Good) offer good financial security and those rated “Baa” (Adequate) offer adequate financial security. The “A”  (Good) and “Baa” (Adequate) ranges are the third- and fourth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the groups, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A1”, “A2”, “Baa2”, and “Baa3″ ratings are the fifth-, sixth-, ninth-, and tenth-highest, respectively, of Moody’s 21 ratings categories. Short-term rating “P-1” is the highest rating and shows superior ability for repayment of short-term debt obligations. Issuers or issues rated “” demonstrate very strong creditworthiness relative to other issuers in Mexico.

Fitch states that “A” (Strong) rated insurance companies are viewed as possessing strong capacity to meet policyholder and contract obligations. The “A” rating category is the third-highest of eight financial strength rating categories, which range from “AAA” to “C.” The symbol (+) or (-) may be appended to a rating to indicate the relative position of a credit within a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “A-” rating is the seventh-highest of Fitch’s 21 ratings categories.

DBRS states that long-term obligations rated “AA” are of superior credit quality. Given the restrictive definition DBRS has for the “AAA” category, entities rated “AA” are also considered to be strong credits, typically exemplifying above-average strength in key areas of consideration and unlikely to be significantly affected by reasonably foreseeable events.

Rating Categories

The rating categories in any given rank are not equivalent to one another.

Rank A.M. Best Standard & Poor’s Moody’s Fitch
1A++ = SuperiorAAA = Extremely StrongAaa = ExceptionalAAA = Exceptionally Strong
2A+ = SuperiorAA+ = Very StrongAa1 = ExcellentAA+ = Very Strong
3A = ExcellentAA = Very StrongAa2 = ExcellentAA = Very Strong
4A- = ExcellentAA- = Very StrongAa3 = ExcellentAA- = Very Strong
5B++ = GoodA+ = StrongA1 = GoodA+ = Strong
6B+ = GoodA = StrongA2 = GoodA = Strong
7B = FairA- = StrongA3 = GoodA- = Strong
8B- = FairBBB+ = GoodBaa1 = AdequateBBB+ = Good
9C++ = MarginalBBB = GoodBaa2 = AdequateBBB = Good
10C+ = MarginalBBB- = GoodBaa3 = AdequateBBB- = Good
11C = WeakBB+ = MarginalBa1 = QuestionableBB+ = Moderately Weak
12C- = WeakBB = MarginalBa2 = QuestionableBB = Moderately Weak
13D = PoorBB- = MarginalBa3 = QuestionableBB- = Moderately Weak
14E = SupervisionB+ = WeakB1 = PoorB+ = Weak
15F = In LiquidationB = WeakB2 = PoorB = Weak
16S = SuspendedB- = WeakB3 = PoorB- = Weak
17CCC+ = Very WeakCaa1 = Very PoorCCC+ = Very Weak
18CCC = Very WeakCaa2 = Very PoorCCC = Very Weak
19CCC- = Very WeakCaa3 = Very PoorCCC- = Very Weak
20CC = Extremely WeakCa = Extremely PoorCC = Distressed
21R = SupervisionC = LowestC = Distressed

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