What's Important to You?

annual report 2007 report annual what’s important to you? what’s genworth financial, Inc. annual report 2007 best friend personal best perfect harmony life’s pleasures great ideas tomorrow’s masterpieces The things you keep and hold dear are a good indication of what’s important – what you want to protect and nurture, and what inspires you to dream. Jason Macdonald, Tralee Neville and their best friend, Kaine. Ontario, Canada home, sweet home Jason Macdonald, Tralee Neville and Kaine were enjoying life in their first home. Then a tragic highway accident forced Jason to go on disability. Fortunately, they were able to keep their home, thanks in part to Genworth’s homeowner assistance program. “After my accident, we were worried we wouldn’t be able to pay our mortgage anymore. Thanks to the help of our bank and Genworth, we were able to make the payments more affordable. It was a big help for Tralee and me, and Kaine.” A first home – a joy, a celebration. And a dream for so many people. We help make that dream a reality around the world. 8 3,772,000 Home loans insured by Genworth (policies in force as of 12/31/07) 333,600 Europe and Other Markets 982,300 1,390,000 United States of America Australia 1,066,100 Canada Making HoMeownersHip possible Mortgage insurance – a safe, secure way to buy a home and begin to achieve financial security. A global leader in mortgage insurance, Genworth Financial has a track record of developing innovative and affordable products that help people achieve the dream of homeownership. And through our homeowner assistance program, we help people keep their homes through tough times. 9 Eeva Kaartinen, aiming to compete at the London 2012 Olympic games. Helsinki, Finland olympic hopes Eeva Kaartinen is an accomplished equestrienne in Finland, living a childhood dream that looked out of reach just seven years ago. That’s when her right leg was amputated below the knee due to cancer. “I feared riding would be taken away forever. Fortunately, I got my life back on track, thanks to my Genworth critical illness policy. I was able to move from a fifth floor apartment to a ground floor apartment, and get a car equipped for my needs. And after a while, I was able to start riding again, and to compete in equestrian events. I even made the Finnish National Equestrian Team of disabled riders!” Life, despite all our planning, is unpredictable. A sudden setback or illness is tough enough without some sense of financial security. Our products provide security at critical times to help people and their families cope with the unexpected. 12 13million Payment protection insurance and life insurance policyholders worldwide (as of 12/31/07) providing security at critical tiMes Payment protection insurance and life insurance from Genworth help more than 13 million people deal with life’s uncertainties, including illness, accidents, disability, loss of life or involuntary unemployment. We are a leader in payment protection insurance, serving 17 countries worldwide and we are expanding into new regions. We work with nearly 200 financial institutions to offer this important protection to their customers. In the United States, we distribute a wide range of life insurance products through a diverse network of more than 200 brokerage and marketing organizations. 13 Dr. and Mrs. Robert Poole consulting with their financial advisor, Al Gibbons. Newtown Square, Pennsylvania working in harmony Dr. and Mrs. Robert Poole love playing the piano, singing in a choir and spending time with their four daughters and five grandchildren. “The grandchildren are important reasons for us to plan and manage our finances so that we can take care of ourselves and help them get a head start,” says Dr. Poole, who retired from his medical practice in 1995. “Al Gibbons, our financial advisor, has been a huge help to us.” Al adds, “After many years of saving, the Pooles are focused on managing their money well in retirement and transferring some of that wealth to charity and future generations. They are the perfect client partners in so many ways. They communicate their needs and dreams. They carefully consider my advice and ideas. And we work together in harmony, leveraging the Genworth investment approach to create a successful financial strategy.” Building a nest egg to fund your dreams can be challenging. It requires smart investment decisions. And sound advice. We help people – and their advisors – manage money better with a proven investment process and effective tools. 16 $21.6 billion Assets Under Management – Wealth Management business (as of 12/31/07) The Six-Step Investment Process financial analysis 1 Accurate, in-depth review asset allocation 2 Align with the market portfolio strategist selection 3 Institutional vision investMent Manager firM selection 4 Security selection Monitoring and rebalancing 5 Staying on track reporting 6 Keep informed taking wealtH ManageMent to tHe next level Investors too frequently buy and sell at the wrong times, which can result in lower returns than the market. For example, from 1987 to 2006, the s&p 500 Index had an annualized return of 11.9 percent while the average equity fund investor had a return of 3.9 percent.* While no one can guarantee a specific rate of return, Genworth Financial Wealth Management offers a disciplined approach to investing, which features a proven six-step process that supports financial advisors in their work with clients. A team of industry-leading investment experts helps advisors and their clients implement an effective investment plan. *Source: Dalbar, Inc. 17 Tyone Savage and her daughter, Kimora, taking pleasure in baking together. Wilson, North Carolina ClearCourse is a group variable annuity issued by Genworth Life and Annuity Insurance Company, Richmond, VA and is subject to policy form numbers Mp7164 (2/06), p5329 (2/06) and p53411 (1/07). All product guarantees are based on the claims-paying ability of Genworth Life & Annuity. sweet dreams Employees at Smithfield Foods, Inc., like Tyone Savage, now have a simple way to lock in guaranteed income for life. By signing up for Genworth’s ClearCourse® Group Variable Annuity in their 401(k) plan, their guaranteed lifetime income grows with each payroll contribution. And if they change jobs, their ClearCourse benefits can move with them. “I am not retiring anytime soon,” Tyone says. “But I am glad I am starting to save with ClearCourse. My dream is to open a restaurant when I retire, and I want to have the financial freedom to do that. Meanwhile, I have a two-year- old cook to teach.” Retirements now span decades. So should retirement planning and investing. Our products make it easier for people to save for retirement and to start saving earlier. 20 Genworth annuities providing guaranteed benefits to policyholders (as of 12/31/07) creating a new retireMent Model Genworth wants to help people create streams of retirement income they can’t outlive. This is particularly important as the responsibility for saving for retirement shifts from corporations and the government to individuals. We offer a range of products that help provide a financially secure retirement with guaranteed income. In addition to offering individual annuities, we work with employers to offer innovative products such as ClearCourse® – a group variable annuity – which lets people create guaranteed retirement income through their employers’ 401(k) plans. 21 Dr. William Clovis, psychiatrist, whose career inspiration came from a book. Philadelphia, Pennsylvania ideas at work Fifty-seven years ago, Eric Fromm’s Escape from Freedom inspired Dr. William Clovis to become a psychiatrist and help people live better lives. Now in his seventies, Dr. Clovis plans to treat his patients for another five years. A health screening program, offered to our long term care insurance policyholders, identified a potentially serious stroke risk that could have threatened his plans. “Genworth steered me in the right direction. I went and got the screening, which detected a health problem. I was able to get preventive surgery that was very successful. I want to be independent for as long as possible. Buying long term care insurance was one step toward that goal. And getting the screening offered through Genworth was life-saving.” Independence – what people want, what seniors want. To remain vital. Not to be a burden. Not to be worried. We help provide peace of mind through innovative solutions – insurance products, wellness programs and care coordination – that can help make long term care more affordable and manageable for seniors and their families. 24 1 million + Long term care insurance policyholders 150,000+ Health screenings 10,000+ Critical or significant health issues identified $4 billion Long term care claims paid since 1974 (data as of 12/31/07) Helping seniors live better and longer The need for long term care insurance is real and growing: healthcare costs are rising, company benefits are declining, people are living longer – and they are underestimating how much they’ll need to fund their potential long term care costs. Our solutions go beyond the financial safety net of long term care insurance. We offer programs to help people stay healthy longer and prevent health problems before they have a disabling and costly outcome. With education, wellness and screening programs, Genworth has helped thousands of people live better, healthier and longer lives. 25 painting the future Mark Sheehan was a member of a Boys and Girls Club as a child. As Executive Director of the Boys and Girls Club of Greater Lynchburg, he’s now leading one into the future. “The club helped me, and I’m really happy to be back here – I know what a difference it can make.

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