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ING Annuity and Asset Sales

ING SPIA

A SPIA
This product is not available in *** *** *** *** *** *** *** *** ***

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

Policy Notes

There are several advantages to choosing a Single Premium Immediate Annuity. You have the ability to convert rollovers and qualified plan payouts into a guaranteed income source fo --[ 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:		*****	*****
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Payout Options

Life Options
Life Only for:	Single Only
Installment Refund:	Yes
Cash Refund:	Yes
Survivor Benefit:	50% 60% 66.6% 75% 100%

Period Certain Options
Period Certain Terms:	5 to 30 Years
Survivor Benefit:	50% 60% 66.6% 75% 100%

Life Plus Period Certain
Life plus Certain:	Not Available
Life +Certain Terms:	5 to 20 Years

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
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Commissions
Effective date of commission schedule: 09/09/2011
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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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