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    VOYA Insurance and Annuity Company (ING)


    Voya Secure Index Opportunities Plus

       (RETIRED)

    A Fixed Indexed Annuity with 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
      Current Rates
    xx/xx/xxxx
    Guaranteed
    Minimum Values
     Band $15,000+  Cap Spread Cap Spread
    Monthly Average Index Strategy   ***    ***   ***   *** 
    Monthly Cap Index Strategy (MCI)   ***    ***   ***   *** 
    Performance Trigger Index Strategy (PPT) Trigger: 1.10
     ***   ***   *** 
    Point-to-Point Cap Index Strategy (PCI)   ***    ***   ***   *** 
    Point-to-Point Volatility Control Strategy (PVC)   ***    ***   ***   *** 
    Fixed Rate Strategy   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $75,000+  Cap Spread Cap Spread
    Monthly Average Index Strategy   ***    ***   ***   *** 
    Monthly Cap Index Strategy (MCI)   ***    ***   ***   *** 
    Performance Trigger Index Strategy (PPT) Trigger: 1.55
     ***   ***   *** 
    Point-to-Point Cap Index Strategy (PCI)   ***    ***   ***   *** 
    Point-to-Point Volatility Control Strategy (PVC)   ***    ***   ***   *** 
    Fixed Rate Strategy   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
     Year: 1
    Bonus Rate: ****

    Policy Notes

    The @annuity --[ subscription required to view full text ]--
    *** @***********@ ** * ****** ******* ****** ***** ******* ******** ******** ******** ********* ******* *** **** * ***** **** ******* ***** ** @************@ *** *** * @*******@-**** ********* ****** ****** **** * ****** ***** ********** *********.

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

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


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

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

    MVA Explanation
    Not available in LA MD MN MO NJ OR PA WA TX UT

    The MVA may incr --[ subscription required to view full text ]--
    *** *** *** ******** ** ******** *** ************ ***** ** **** ******* ** **** **** *** **** ********** ****** ** *********** ****** *** *** ** *** @*******@** ******** ****. *** ****** ** *** *** ** ********** ** * ************ ******* **** ******** ******* ** *** ******** **** *********** ***** *** ******** *** *********.

    Commissions
    Effective date of commission schedule: 08/15/2016
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    Voya Secure Index Opportunities Plus
    (All approved states except those listed below)
    Up to age 75  
    Initial Premium: ****
    Ages 76-80  
    Initial Premium: ****
    MN NJ OR WA
    Up to age 75  
    Initial Premium: ****
    Ages 76-90  
    Initial Premium: ****

    Option B

    Voya Secure Index Opportunities Plus
    (All approved states except those listed below)
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    MN NJ OR WA
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Option C

    Voya Secure Index Opportunities Plus
    (All approved states except those listed below)
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    MN NJ OR WA
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Option D

    Voya Secure Index Opportunities Plus
    (All approved states except those listed below)
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    MN NJ OR WA
    Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    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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    *. *** *** *** ******* *********** ** *** ******* ** * ******** ************ **** *** *** ********** ********** ********.
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    ******** ****** ********** ******** ****** **********
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    ********** **** *********:
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    ******** ***********:
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    Related Information

    Available Subscriptions

    This information is available with any of these subscriptions:

    Single-User Edition

    An affordable, full access subscription, for the individual broker

    Office Edition

    Multiple users with administrative control over the products, features and content displayed

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    Web Edition -Retailers

    A special edition for retailers, just the right amount of information for the consumer, plus the ability collect and manage leads.

    Additional Information

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