Genworth continues to refine our underwriting processes to make doing business with us easier for you and your clients.
On May 23, the HIV form will no longer be an automatic requirement. Our claims experience shows so little activity for HIV patients, that the incidence of HIV does not warrant this testing for the large majority of our applicants.
We will only ask for HIV forms and testing on an as needed basis which will be determined during the underwriting process. Between January and April, we enhanced underwriting with the expansion of allowable impairments, introduced a Counter Offer Program, reduced automatic requirements and implemented an interview with an experienced Genworth underwriter. This new change is just one more way we can improve the new business experience for you and your clients.