For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

Introducing…ING Guaranteed Death Benefit Universal Life IIING Guaranteed Death Benefit Universal Life II NY

ING Guaranteed Death Benefit Universal Life II (ING GDBUL II), policy form series #1174, and ING Guaranteed Death Benefit Universal Life policy form series 1172 (guaranteed issue only) may vary by state and may not be available in all states, are issued by Security Life of Denver Insurance Company, a member of the ING family of companies. Not available in New York. ING Guaranteed Death Benefit Universal Life II NY (ING GDBUL II NY), policy form series #3000, not available outside of New York, is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY), a member of the ING family of companies. Within the state of New York only ReliaStar Life Insurance Company of New York is admitted and its products issued.

All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company, who is solely responsible for the obligations under its own policies.

Neither ING or its affiliated companies or representatives offer legal or tax advice. Clients should consult with their tax and legal advisors regarding their individual situation.

(ING GDBUL II & ING GDBUL II NY)

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

Product Highlights

Key Features * Competitive premiums for:

- Lifetime guaranteed death benefit protection

- Single payment scenarios• Adjustable Term Insurance Rider – commissionable (not available in NY)• Reduced impaired risk pricing to 20% per table• Ratings drop off after 20 years

* Catch up ability to extend guarantee period

Issue Ages & Underwriting Classes*

SPNT: 18-80

PNT: 18-85

SNT: 0-90*

PT: 18-85

ST: 16-90*

*86-90 require special attention

DescriptionCompetitive universal life insurance offering flexible death benefit protection with death benefit guarantees that can last up to a lifetime for all issue ages. Target ages: 45-65

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

Product Highlights

Issue Requirements

Minimum Policy Size

$50,000

Compensation Heaped

Primary Sales Applications

Family Protection and Basic Life Insurance needs, Estate Planning, Wealth Transfer, Business Planning, Charitable Giving

Riders Accelerated Death Benefit

Adjustable Term Insurance (not available in NY)

• Allows for scheduled increases for growing needs!

• Avoid delays and problems!

Additional Insured

Waiver of Specified Premium

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

How does it work?

Client ProfileSituation: Peter is 60 years old and has owned a Universal Life insurance policy on his life for 20 years. He is frustrated because he feels his existing policy has underperformed over the years. He would like to move the $185,000 of accumulated cash value from his current policy to a new policy that will guarantee a death benefit for the rest of his life. As Peter is retiring, he would rather not pay any additional premiums for his new policy.

Possible Solution: Peter’s financial professional suggested ING Guaranteed Death Benefit Universal Life II from Security Life of Denver Insurance Company. Peter applies for, and is approved Preferred Non Tobacco for an ING GDBUL II policy. His accumulated cash value is transferred via 1035 exchange to his new policy with no additional premium necessary. The exchange purchases a policy with a death benefit of $793,543 with the death benefit guaranteed for life.

Underwriting Class: Preferred Non Tobacco

Annual Premium: $0*

Death Benefit: $793,543

*Annual premiums for life for Male, age 60, Preferred No Tobacco underwriting class, Option 1; $185,000 1035 premium. Face solve. GL:$30,504 TP: $14,355. All guarantees are based on the financial strength and claims paying ability of Security Life of Denver Insurance Company, who is solely responsible for obligations under its own policies.

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

How does it work?

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

Sales Promotion Materials

Product Guide #146332

Competitive Flyer #155987

Product Flyer #156022

Consumer Brochure #146335

Consumer Facts at a Glance #148089 (NY #153012)

Order Kit #156058

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

A product fit for:• Family Financial Protection

• Individual Estate Planning

• Wealth Transfer

• Charitable Giving

• Business Planning

Key Advantages:• Competitive premiums for

- Lifetime, and less than lifetime death benefit guarantees

- Single pay scenarios

• Adjustable Term Insurance Rider (ATR) available for scheduled death benefit increases (not available in NY)

• Reduced impaired risk pricing to 20% per table

• Full compensation on conversions from any term policy issued by an ING life insurance company

• Very flexible death benefit protection

Product Recap

For agent use only. Not for public distribution. cn65527062012 © 2010 ING North America Insurance Corporation

ING GDBUL II & ING GDBUL II NY - Next Steps?

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(866) ING–SELL 866-464-7355