Carrier Name: ING

Does Carrier Provide online eApplications? – No.

Life Insurance Products:

1). Term Life

• Death benefit is income tax free
• Premiums and coverage remain the same for the length of the term
• Provides affordable security to younger people and families.
• Gives you the option to convert into a cash value policy should your needs change

2). Universal Life

• Offers protection designed to last your entire life
• Provides income tax-free death benefit to beneficiaries
• Competitive fixed interest rate credited to cash value each month
• Cash-deferred tax value
• Allows you to access your policy’s cash value through income tax-free loans and withdrawals.
• Offers flexible premium payments that can be adjusted to meet your needs
• Death benefit can be increased or decreased (with evidence of insurability)

3). Indexed Universal Life

• Offers you death benefit protection
• Money within your policy grows income tax-deferred in fixed and indexed strategies
• Holds a greater growth potential than traditional universal life
• No negative index crediting rate – guaranteed – even in a down market
• Provides premium flexibility

4). Variable Universal Life

• Provides an income tax-free death benefit
• Gives beneficiaries the opportunity to let their money grow tax-deferred with variable investment options
• Offers over 55 variable investment options to choose from
• Allows policy loans
• Provides a number of solid asset allocation solutions – with each diversified to match your risk tolerance
• Offers automatic rebalancing
• Dollar cost averaging – offers you the advantage of market fluctuations

5). Survivorship Life

• Provides tax-free death benefit to beneficiaries after second insured dies
• Helps cash value grow tax-deferred
• The cheaper route to go – survivorship life insurance is generally less expensive than buying two individual life policies with similar coverage
• Death benefit proceeds can provide immediate cash to cover estate taxes
• Allows policy loans