Genworth Financial Inc. has released the VantagePoint term life insurance policy.[@@]

Policy premiums will stay level for a term of 15, 20 or 30 years.

Once the term expires, customers who keep their policies can get a return of all premiums, including riders and table ratings but excluding flat extras and outstanding loans, according to Genworth, Richmond, Va.

Holders of the policies can ask for policy loans, including automatic premium loans, Genworth says.