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ING Annuity and Asset Sales

Guarantee Choice 10

A MYGA with a 10-year fixed rate and a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Fitch: A-		Moody's: A2		Standard & Poor's: A

Rates
The interest rate is guaranteed for 10 years Surrender charges last 10 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 15,000+	****	*****	*****	****	*****	*****
Band 75,000+	****	*****	*****	****	*****	*****

Policy Notes

The @companyName@'s @annuityname@ --[ subscription required to view full text ]--
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Product Riders
No Riders Available

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation
Not available in MN OR WA

Market Value Adjustment Formula
Market Value Adjustment = [(1 + a) --[ subscription required to view full text ]--

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****** ***** ********** = [(* + *)*/(* + *)* -*]

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* = ***** **** ********** ** *** **** ** ********* ** **********, (***** ** *** ******** ******** ******** ****** ********* ** *** ******* *******) *** * ******** **** **** ** ******** ***** ** *** ******* ********* ******.

* = ****** ** ******** ****** **** *** **** ** ********* ** ********** ** *** *** ** *** ******* ********** ****** ******* ** ****** (*.*., ** ****** ******* ** ** = *)

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****** ***** ********** = [(* + *.** )* / ( * + *.** )* -*] = *.****
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Commissions
Effective date of commission schedule: 01/15/2012
Commissions are ***** *** * *** * *** * ** ***** ***.

Option A

Guarantee Choice 10

(All approved states)

Up to age 80

Initial Premium:

****

Option B

Guarantee Choice 10

(All approved states)

Up to age 80

Initial Premium:

****

Trail:

Trail years ***+ is *****

Option C

Guarantee Choice 10

(All approved states)

All permitted ages

Initial Premium:

****

Trail:

Trail years ***+ is *****

Option D

Guarantee Choice 10

(All approved states)

All permitted ages

Initial Premium:

****

Trail:

Trail years ***+ is *****

GENERAL PROVISIONS AFFECTING COMMISSIONS:
1. Payment of commission is subject to the provisions of the Agent’s/Broker’s Contract and the rules of the Companies as amended from time to time.
2. Unless otherwise identified, commissions are payable on each contract on which premium has been applied, issued and is in force.
3. Commission reduction may apply to special interest rate offerings.
4. For trail commissions percentage noted is an annual percentage paid quar --[ subscription required to view full text ]--
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Related Information

Other ING Annuity and Asset Sales Products

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Guarantee Choice 7

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ING Envoy Nine Fixed Index Annuity
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Additional Information

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