Effective August 31, 2015, a Functional Cognitive Assessment (FCA) is required on all TLC applicants with an insured age of 60 and older. This FCA is used to evaluate a proposed insured’s physical health, independence, functionality and cognition. Click here for the original Genworth bulletin on this action with complete details.
The FCA is completed at the time of the paramedical exam. Our paramedical vendors have been notified and will coordinate the requirement changes on their end.
If you have any questions, please contact your underwriting team.
Transition Rules
This change will not affect applications received prior to 8/31/2015.
Below is a summary of the Underwriting Requirements for TLC (applies to all states).
Click here for the updated Underwriting Guidelines brochure for all states except CA, HI and NY.
Click here for the updated New York Underwriting Guidelines.
Click here for the updated Underwriting Guidelines for California and Hawaii.