My mother paid in for 20 years and is in early stages of Alzheimers. She stopped paying her inusrance bill because she thought she had already paid it. We tried to get them to reinstate it (within the allowable period), we had her doctor's verify that she had Alzheimers at the time but Genworth would not reinstate the policy stating that she was not incapacitated "enough", to get it reinstated.
So, essentially, she paid in for 20 years only to be cheated with a Catch 22 type of rule.
Do not waste your money on this... Buy an annuity instead... At least they can't cheat you like Genworth does.
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