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ING Annuity and Asset Sales

ING Envoy Six Fixed Index Annuity

(RETIRED)

A Fixed Indexed Annuity with a 9-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

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

Rates

	Current Rates xx/xx/xxxx	Guaranteed Minimum Values
Band $15,000+	Cap	Cap
1-Year Point-to-Point Cap Index Strategy	***	***
Fixed Rate Strategy (Rate guaranteed for 1 Year)	.* %	.* %
Band $75,000+	Cap	Cap
1-Year Point-to-Point Cap Index Strategy	***	***
Fixed Rate Strategy (Rate guaranteed for 1 Year)	.* %	.* %

State Specified Minimum Interest Rate: ****

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:		*****	*****
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Systematic Withdrawals

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

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MVA Explanation
Not available in DE MN MO MT PA VT

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

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Commissions
Effective date of commission schedule: 01/03/2011
Commissions are ***** *** * *** * *** * ** ***** ***.

Option A

ING Envoy Six Fixed Index Annuity

(All approved states)

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Option B

ING Envoy Six Fixed Index Annuity

(All approved states)

Up to age 79

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Option C

ING Envoy Six Fixed Index Annuity

(All approved states)

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Option D

ING Envoy Six Fixed Index Annuity

(All approved states)

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

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 q --[ subscription required to view full text ]--
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