ING ReliaStar Life Insurance Company

ING ReliaStar Life Insurance Company
Name: ING ReliaStar Life Insurance Company
Description: ReliaStar Life Insurance Company is an ING company. ING offers banking, investments, life insurance and retirement services to over 85 million private, corporate and institutional clients in more than 40 countries. With a diverse workforce of about 115,000 people, ING is dedicated to setting the standard in helping our clients manage their financial future. ING is recognized as one of the largest companies in the world. Based on market capitalization, ING is one of the 20th largest financial institutions worldwide. Fortune magazine ranked ING 8th on its 2009 Global 500 list.
Website: http://www.ing-usa.com/
Customer Service: 1-800-654-5375 
Address: 20 Washington Avenue South
Minneapolis,MN 55401
Offered by QuickQuote in: AK , AL , AR , AZ , CA , CO , CT , DC , DE , FL , GA , HI , IA , ID , IL , IN , KS , KY , LA , MA , MD , ME , MI , MN , MO , MS , MT , NC , ND , NE , NH , NJ , NM , NV , OH , OK , OR , PA , RI , SC , SD , TN , TX , UT , VA , VT , WA , WI , WV , WY
Year Founded: 1885
AM Best Rating: A as of 2013
S&P Rating: A-

Included Term Life Product Features

Accelerated Benefit Rider: Included with no extra premium, where approved, for eligible policies. Allows prepayment of a portion of the death benefit if the insured is terminally ill with a life expectancy of 12 months or less.

The policy owner can request payment of up to 25% of the eligible death benefit, not to exceed $250,000. Please call or email for details.
Conversion Option: Included with no extra premium. The policy may be converted to select cash value policies issued by an ING Life Insurance Company, without evidence of insurability during the guarantee period of the policy, not to exceed age 75 (age 80 for ING ROP Term).

Optional Term Life Product Features

Waiver of Premium: Available with extra premium. In the event of the total disability before the insured's age 60 and after a waiting period of six months, premiums will be waived retroactively from the beginning of the disability. Premiums will continue to be waived for the duration of the total disability.

The maximum face amount for a policy with this rider is $5,000,000. Issue ages are 18-55. Expires on the policy anniversary nearest the insured's 60th birthday. Please email or call for details and premium rates.
Accidental Death Benefit: Available with extra premium. Pays in addition to the base policy death benefit in the event of the accidental death of the insured. Benefit amount is up to the face amount of the base policy or a maximum of $300,000 on any one life (includes any ADB already in force). Issue ages are 18-60. Expires on the policy anniversary nearest the insured's 65th birthday. Please email or call for details or premium rates.
Children's Term Insurance: Available with extra premium. Provides level term insurance on each insured child to age 25. Each unit provides $1,000 in death benefit for each insured child. A minimum of 2 units and a maximum of 10 units are available. Cost per unit is $6.00 annually ($12.00 annually for ING ROP Term), regardless of the number of children covered.

Parent issue ages are 18-60 and child issue ages are 15 days to 18 years. Expires on the earlier of the insured's death, at the insured's age 65 or when the youngest child reaches age 25. Conversion is available. Please call or email for details.

Other Information

Legal Information ING TermSmart, Policy Form Number 1315-02/10, varies by state and may not be available in every state, is issued by ReliaStar Life Insurance Company, a member of the ING family of companies. All guarantees are based on the claims paying ability of ReliaStar Life Insurance Company, who is solely responsible for the obligations under its own policies.

ING ReliaStar Life Insurance Company Plans

TermSmart 10
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10-year term life insurance with rates guaranteed for 10 years.
TermSmart 10
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10-year term life insurance with rates guaranteed for 10 years.
TermSmart 15
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15-year term life insurance with rates guaranteed for 15 years.
TermSmart 15
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15-year term life insurance with rates guaranteed for 15 years.
TermSmart 20
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20-year term life insurance with rates guaranteed for 20 years.
TermSmart 20
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20-year term life insurance with rates guaranteed for 20 years.
ING Return of Premium Term - 20
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20-year term life insurance with rates guaranteed for 20 years. The plan returns all premiums paid by the policy owner minus any flat extra charges the end of the 20-year term if no claim has been made and all premiums have been paid on a timely basis. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.

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