Most of the "Management", decision makers, etc. reside in the Richmond area for Genworth. Most of the administrative functions - processing claims, underwriting new business reside in Lynchburg. IT was split. This scenario is true for Life, Annuities, LTC. PMI for US is based in Raleigh area. This is from a former employee (long removed from Genworth so no recent info) who lives in the central VA area.