INScompanies Blog

Minneapolis, Minn. - August 2, 2006 - ING announced today that it has introduced a new universal life product with a no-lapse death benefit guarantee. Known as ING Guaranteed Death Benefit Universal Life (ING GDBUL), the product aims to be a highly competitive, death benefit-oriented universal life insurance product with flexible no-lapse death benefit guarantees up to a lifetime. The product (policy form1172) is offered through Security Life of Denver Insurance Company, a member of the ING family of companies.

No-lapse death benefit guarantee products are designed to provide policy owners a guarantee of life insurance coverage, if certain conditions are met, even if the policy’s net cash value falls below zero, regardless of changes in interest rates, expense charges or cost of insurance.

ING GDBUL offers the option to customize the duration of a no-lapse death benefit guarantee period up to one’s lifetime. The no-lapse death benefit guarantee is also available for all issue ages and, at any time, policy owners can utilize a catch-up feature that can extend the guarantee period.

“ING GDBUL offers producers and their clients a terrific all-around life insurance product,” said Jim Gelder, president of ING Life Distribution. “ING GDBUL combines extremely robust features, including flexible no-lapse death benefit guarantees, with very competitive pricing and underwriting. Individuals are also responding to the well-recognized ING brand, making it even easier for producers to offer this product.”

Other ING GDBUL highlights include:

Target premiums approximately equal to level pay Guaranteed Death Benefit premiums.
Expanded underwriting classes to include a Select No Tobacco Class.
No premiums due after age 100*.
Full compensation for ING term conversions to ING GDBUL during the first five policy years.

For more information about ING GDBUL, life insurance producers should contact their ING representative or ING’s National Sales Support Team at 866-ING-SELL.

*Current policy charges do not cease at age 100; only the Lapse Protection Value (LPV) charges. Premiums are not required (for policies with no loans, withdrawals or other changes) if the LPV or Cash Surrender Value is greater than $1.00 at age 100. Current monthly deductions cease at age 121.

All guarantees are based on the financial strength and claims-paying ability of Security Life of Denver Insurance Company, which is solely responsible for all obligations of its policies.

Press inquiries:
ING U.S. Financial Services
Philip Margolis, 860-723-4783, phil.margolis@us.ing.com

About ING

ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in over 50 countries. With a diverse workforce of about 115,000 people, ING comprises a broad spectrum of prominent companies that increasingly serve their clients under the ING brand.

In the U.S. (NYSE: ING), the ING family of companies offer a comprehensive array of financial services to retail and institutional clients, which includes life insurance, retirement plans, mutual funds, managed accounts, alternative investments, direct banking, institutional investment management, annuities, employee benefits, financial planning, and reinsurance. ING holds top-tier rankings in key U.S. markets and serves over 15 million customers across the nation. For more information, visit www.ing.com.

Easy communication is critical for employees to understand the Roth option in saving for retirement

Hartford, CT - March 28, 2006 - ING, a global financial services leader, today announced it is now offering the Roth 401(k) and Roth 403(b) to its clients. ING has also created two “education kits” for employers and employees to help explain the Roth option.

“The debate on the Roth option so far has centered around whether it’s beneficial for employers to offer the Roth to their employees and if employees should elect this option,” said Brian Haendiges, senior vice president, ING Defined Contribution. “The broader issue is improving retirement savings across the board. The Roth is one more option that employees can use to do that, and we want to make it easy for employers to add this feature if they choose.” He added, “This new option is also an opportunity to re-focus employees on all the reasons they should be participating in their employer-sponsored retirement plan, and to encourage saving more.”

The employer toolkit offers a balanced view of the various factors employers need to weigh to decide what’s best for their organization and its employees. The employee education kit is a multi-media kit comprised of a variety of action-oriented tools including an educational presentation and an online Roth calculator.

According to Haendiges, behavioral finance research shows that employees often feel overwhelmed with information. And too much information often leads to little action. ING’s goal is to make any communication on the Roth option easier to understand.

“In 2005, the savings rate among U.S. consumers dipped negative, to -0.5%, the lowest since the Depression,” said Haendiges. “We all have to do what we can to try to prevent the pending retirement funding crisis. The Roth is another way that employers can help their employees save for retirement. And encouraging that savings should be the goal of every employer and provider, and anyone else that can influence the decisions of the participant.”

Additional information, including the Roth online calculator, can be found at www.ingretirementplans.com.

Press inquiries:
Caroline Campbell, ING, 212-309-5931 or caroline.campbell@us.ing.com

About ING

ING Group is a global financial institution of Dutch origin offering banking, insurance and asset management to more than 60 million private, corporate and institutional clients in more than 50 countries. With a diverse workforce of more than 113,000 people, ING comprises a broad spectrum of prominent companies that increasingly serve their clients under the ING brand.

In the U.S., the ING family of companies offers a comprehensive array of financial services to retail and institutional clients, which include life insurance, retirement plans, mutual funds, managed accounts, alternative investments, direct banking, institutional investment management, annuities, employee benefits, financial planning and reinsurance. ING holds top-tier rankings in key U.S. markets and serves more than 15 million customers across the nation. For more information, visit www.ing.com.

Company significantly enhances its term pricing, launches advertising campaign, adds producer tools

Minneapolis, Minn. • November 28, 2005 - ING announced that it has revamped its approach to the term life insurance market. Among its initiatives, it has enhanced the pricing of its term products offered by its life companies to be consistently among the pricing leaders. In addition, the company introduced a new advertising campaign raising ING’s name in connection with term. ING also enhanced its tools for producers with a new quick calculator on its producer-focused web site.

“Term is a sizable segment of the life insurance marketplace. While we have always offered a term insurance, we haven’t emphasized that segment in a while,” said Jim Gelder, president of ING Life Distribution. “The message we’re sending is loud and clear. We’re back in the term market. Our term products are now so competitive, we not only moved forward, we took one giant leap to the front of the pack.”

ING’s advertising will feature individual customers and brokers who are “smiling” about ING term products. The ads about ING’s ultra competitive pricing and says that it is “poised to be among the leaders in the marketplace.” The ads will run in producer-focused trade publications and at conferences this fall.

ING’s term products, ING TermSmart and ING TermSmart*NY, are offered at 10, 15, 20 and 30-year terms.

Other features include:

Conversion options to select cash value policies issued by an ING life insurance company without evidence of insurability.

Eligible for the table rating drop program after policy year 20

Four different rate bands, including $3 million

Five underwriting classes

ING TermSmart (policy form# 1177R), which is not available in N.Y., is issued by ReliaStar Life Insurance Company (not admitted in NY). ING TermSmart NY (policy form# 1177R NY), which is only available in New York, is issued by ReliaStar Life Insurance Company of New York. Both companies are members of the ING family of companies. Term products are available for distribution by independent insurance producers.

For more information about ING TermSmart and ING TermSmart*NY, life insurance producers should contact their ING representative or ING’s National Sales Support Team at 1-866-ING-SELL.

Press Inquiries

Phil Margolis, ING U.S. Financial Services
860-723-4783, phil.margolis@us.ing.com