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  ING is a Dutch origin company offering banking, investments, life insurance and retirement services.  

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ING is a global financial institution of Dutch origin offering banking, investments, life insurance and retirement services. ING serves more than 85 million private, corporate and institutional customers in Europe, North and Latin America, Asia and Australia. ING draws on experience and expertise, commitment to excellent service and global scale to meet the needs of a broad customer base, comprising individuals, families, small businesses, large corporations, institutions and governments.

Insurance Americas Operations
Provides insurance, investment, retirement and asset management products and services in the region. ING is ranked third in the defined contribution segment of the US retirement services market as measured by assets. ING is also a leading pension company in a number of Latin American countries.

In the U.S., ING has a strong presence and a solid reputation in its core business lines:

  • Life Insurance
  • Annuities
  • Mutual Funds
  • Retirement Plans
  • Employee Benefits
  • Direct Banking
  • Financial Planning

Top 10 Underwriting Guideline Advantages

  ING Life Companies do not exclude treatment for cholesterol from our Super Preferred rate class.
  Total cholesterol and cholesterol ratio are tiered by age and relationship of total cholesterol to the cholesterol ratio for all preferred rate classes.
Family History
  Family history of cancer is not considered in either the applicant's parents or siblings in any of our preferred rate classes.
  Family history of cardiovascular disease is only considered for parents, not siblings. Our preferred criteria considers death in parents from cardiovascular disease, not disease onset, which is different than some of our competitors.
  Family history of Preferred qualifications applies if the proposed insured is age 59 or less
APS Guidelines
  Our APS guidelines for ages 18-60 do not include routine Age and Amount APS ordering. APS's are ordered for cause only.
Mortality Credit Profile
  If your clients show indicators of a healthy lifestyle, they may earn credits that offset the risk of some medical impairments! The new parameters apply to cash value life insurance applications with a face amount of $5 million for applicants age 18-75, and $3 million for applicants 76-80.
  Occasional cigar use is considered for non tobacco rates (even Super Preferred) if applicant smokes no more than one cigar a week with a negative urine specimen.
  Non tobacco usage is considered for our Select rate class with 24 months of non tobacco usage and for our Standard rate class at 12 months of non tobacco usage.
Standard to Preferred Philosophy
  If your client receives a Standard risk assessment without applying credits, then they will be eligible to receive any of the Preferred rate classes if they meet the criteria.

ING Insurance Brokerage Products And Services
  ING offers a wide range of products and services designed to fit your client.

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Want tax advantages or an income stream for your clients?
life insurance
employee benefits
Want to provide employee benefits to your clients?
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Life and Accidental Death & Dismemberment (AD&D) Insurance
  • Universal Life
  • Whole Life
  • Term Life
  • Personal Accident Insurance

Disability Income Insurance

  • Disability Income Management
  • Disability Income Products

Health-Related-limited benefit insurance

  • Accident
  • Critical Illness
Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the ING family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.
retirement plans
mutual funds
We have mutual funds sure to fit you like a glove.
Help your clients keep what's theirs and pass it on when and how they might want to.
learn more 

Insurer Disclosure
Insurance and annuity products are issued by the following ING life insurance companies. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

ReliaStar Life Insurance Company1,2
ReliaStar Life Insurance Company of New York*2,3
Security Life of Denver Insurance Company2
ING Life Insurance and Annuity Company1*
ING USA Annuity and Life Insurance Company3

For additional information about the ING life insurance companies listed above (including addresses, NAIC number, state of incorporation and license status) please
click here.

*Only Reliastar Life Insurance Company of New York and ING Life Insurance and Annuity Company are admitted, and their products issued, within the state of New York
Variable annuity products are distributed by ING Financial Advisers, LLC, (member SIPC), One Orange Way, Windsor, CT 06095-4774
Variable universal life insurance products are distributed by ING America Equities, Inc., member FINRA, 1290 Broadway, Denver CO 80203
Variable annuities are distributed by Directed Services, Inc., member FINRA, 1475 Dunwoody Drive, West Chester, PA, 19380
Mutual Funds:
Mutual Funds are offered by ING Funds Distributor, Inc., member FINRA/SIPC, 7337 E Doubletree Ranch Road, Scottsdale AZ 85258 (800) 992-0180

Variable insurance products and mutual funds are sold by prospectus only. Before investing, carefully consider the investment objectives, risks, and charges and expenses of mutual funds and variable insurance products and their underlying variable investment options. This and other information is contained in the prospectuses for mutual funds and variable insurance products and the underlying variable investment options. Obtain these prospectuses from your agent/registered representative or contact the appropriate distributor listed above. You should read the prospectus carefully before investing.

ReliaStar Life Insurance Company (ING)
Address1 20 Washington Ave, South
Address2 -
City Minneapolis
State MN
Zip 55401
Phone Number  
Fax Number  

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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