0.00% 

Minimum guaranteed interest rate is 1.0% on 100% of premiums. 

The cash surrender value will not be less than 100% of all premiums less withdrawals, surrender charges and premium taxes, if applicable, accumulated at the applicable minimum guaranteed strategy value rate for the first nine contract years. The initial minimum guaranteed strategy value rates are set at contract issue and will not change for nine years (subject to change annually thereafter).

 

• $15,000 minimum initial premium NQ, $10,000 Q
• $5,000 minimum subsequent premium
• No minimum premium per strategy
• $1 million maximum premium without prior home office approval

Additional premium payments are credited with their own separate interest rate, index cap and participation rate for their own indexing period. For each premium, interest is credited based on the new money rate in effect at the time the premium is received and is guaranteed for one year. 

9 

0 - 80 

9%, 9%, 9%, 9%, 8%, 7%, 6%, 5%, 4%, 0%

For TX & AK:
Ages 0-55
9%, 9%, 9%, 9%, 8%, 7%, 6%, 5%, 4%, 0%

Ages 56-80
9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%


Charges may differ for some states and for ages 56 plus. 

Beginning in the first contract year, the owner can withdraw up to 10% of the accumulation value each contract year without a surrender charge or market value adjustment. If the total withdrawals in any contract year exceed the free amount, surrender charges and/or market value adjustments will apply to the excess amount withdrawn in that contract year. Any withdrawal taken prior to the end of an index period will not be credited with index interest for that period.

Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59 1/2, an additional 10% Federal penalty tax. Federal law requires that withdrawals be taken first from interest credited. All distributions from qualified annuities may be taxable. State premium taxes may reduce the final value of the annuity.

The MVA may increase or decrease the accumulation value of your annuity if more than the free withdrawal amount is surrendered before the end of the 9th contract year. 

The amount of the MVA is determined by a mathematical formula that measures changes in the interest rate environment since the contract was purchased.

Death Benefit:
Upon death of the owner, the greater of the accumulation value or minimum guaranteed contract value is paid to the beneficiary, potentially avoiding the delay and expense of probate. 

Equity Linked Earnings to the blended annual increase using 70% of S&P 500® Index and 30% of Dow Jones EURO STOXX 50® Index

1)  Annual Pt-to-Pt with a cap - Annual reset; 100% Guaranteed Participation Rate 
2)  Fixed Interest Strategy – % current rate
 

ING_Rates.pdf 

Nursing Home Waiver and Terminal Illness Waiver:
The surrender charge is waived if the owner becomes
hospitalized or confined to an eligible nursing home for at least 45 days during any continuous 60-day period or
diagnosed with a terminal illness (life expectancy of 12 months or less) on or after the first contract anniversary.
(Not available in Massachusetts and Pennsylvania.)

IncomeProtector Withdrawal Benefit-
(Check state availability)  

Allows owner/annuitant to receive guaranteed income for life without annuitization. The income amount is a percentage of the Maximum Annual Withdrawal (MAW) value based on the age at time of election. MAW equals all 1st  year premiums plus 7% annual interest for generally up to 10 contract years. If the MAV is less than the Contract value, the MAV will step up to equal the Contract Value. There is an annual 0.40% charge for this rider, refundable to the beneficiary upon death of the owner/annuitant.

Owner/annuitant eligible to elect this benefit at age 50 and after the first contract year, after which income payments may be turned on or off at anytime.

Distribution choices:
1) Take normal withdrawals under the annuity without starting IncomeProtector Withdrawal benefit.
2) Elect IncomeProtector “Lifetime Income (LI)” and receive an annual payment guaranteed for your lifetime, per chart below.
			
O/A Age	            Single O/A	      Joint O/A
at election of LI      % of MAW	      % of MAW
50-54		4.0%	         3.5%
55-59		4.5%	         4.0%
60-64		5.0%	         4.5%
65-69		5.5%	         5.0%
70-74		6.0%	         5.5%
75-79		6.5%	         6.0%
80-84		7.0%	         6.5%
85-89		7.5%	         7.0%
90+		8.0%	         7.5% 

Commission*
Age       Years 1-3        Years 4-5         
0-80        6.50%              3.25%
    
*Applies to most states; may vary in some states. Consult your contract to confirm actual commission.   
 

New York
Puerto Rico