ReliaStar Life Insurance Company Information

Name:	ReliaStar Life Insurance Company
Description:	ReliaStar Life Insurance Company is an ING company.
Website:	http://www.ing-usa.com/
Customer Service:	1-800-654-5375
Address:	20 Washington Avenue South Minneapolis, MN 55401
Offered by QuickQuote in:	All states except for NY
Year Founded:	1885
AM Best Rating:	A+ as of 2007
S&P Rating:	AA
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 1177R, varies by state and may not be available in every state; and ING Return of Premium Term, Policy Form Number 1309 11/06, varies by state and may not be available in every state, are issued by ReliaStar Life Insurance Company, a member of the ING family of companies. All guarantees are based on the financial strength and claims paying ability of ReliaStar Life Insurance Company, who is solely responsible for the obligations under its own policies. ReliaStar Life Insurance Company is a member of ING.

COMPANY PLANS(back to top)

TermSmart-10 200+ View Brochure	10-year term life insurance with rates guaranteed for 10 years.
TermSmart-15 200+ View Brochure	15-year term life insurance with rates guaranteed for 15 years.
TermSmart-20 200+ View Brochure	20-year term life insurance with rates guaranteed for 20 years.
TermSmart-30 200+ View Brochure	30-year term life insurance with rates guaranteed for 30 years.
ING ROP Term - 15 View Brochure	15-year term life insurance with rates guaranteed for 15 years. The plan returns all premiums paid by the policy owner minus any flat extra charges the end of the 15-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.
ING ROP Term - 20 View Brochure	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.
ING ROP Term - 30 View Brochure	30-year term life insurance with rates guaranteed for 30 years. The plan returns all premiums paid by the policy owner minus any flat extra charges the end of the 30-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.
TermSmart-10 100-199 View Brochure	10-year term life insurance with rates guaranteed for 10 years.
TermSmart-15 100-199 View Brochure	15-year term life insurance with rates guaranteed for 15 years.
TermSmart-20 100-199 View Brochure	20-year term life insurance with rates guaranteed for 20 years.
TermSmart-30 100-199 View Brochure	30-year term life insurance with rates guaranteed for 30 years.

COMPANY UNDERWRITING GUIDELINES(back to top)

Below is a table showing the rating class you would most likely fit into based on an answer to an underwriting guideline question. Remember this is only a guide and actual underwriting guidelines and class are determined at the time of underwriting. If you are classified as a tobacco/nicotine user, the classes available to you will be Preferred Tobacco and Standard Tobacco.
	Super Preferred	Preferred	Select	Standard	Preferred Tobacco	Standard Tobacco
Did either of your natural parents have a history of cardiovascular disease (heart attack, stroke, hypertension, etc.) prior to age 65?	No
Did either of your natural parents die of cardiovascular disease (heart attack, stroke, hypertension, etc.) prior to age 65?	No		Yes - one parent	Yes - both parents
Did either of your natural parents have a history of cancer prior to age 65?	No
Did either of your natural parents die of cancer prior to age 65?	No
Are you currently being treated for hypertension (high blood pressure)?	No	Yes
What is your current blood pressure reading (if you are not currently being treated)?	Age 61+: <150/90	Age 18-60: <145/90	Age 61+: <155/92	Age 61+: >155/92
What is your current blood pressure reading (if you are currently being treated)?		Age 61+: <150/90	Age 61+: <155/92	Age 61+: >155/92
What is your current cholesterol level?	Chol/HDL ratio <5.0 and chol <220	Chol/HDL ratio <5.5 and chol <240	Chol/HDL ratio <6.5 and chol <250	Chol/HDL ratio >6.5 and chol >250
What is your history of tobacco/nicotine usage?	None in last 5 years	None in last 3 years	None in last 2 years	None in last 1 year	Current User
Are you an occasional cigar smoker?	No				Yes
Do you have a history of alcohol or substance abuse within the past 10 years?	No			Yes
Have you had any instances of DWI/DUI or reckless driving within the past 5 years?	No			Yes
Do you have any recent motor vehicle driving violations?	2 in past 3 yrs			3 in past 3 yrs
Do you participate in private aviation?	No
Do you participate in hazardous activities (e.g. scuba diving, rock climbing, etc.)?	No	Yes

* - Tobacco classes depend on current or past tobacco use. See the table below for specific tobacco usage policies for ReliaStar Life Insurance Company.
None in last 5 years	You may qualify for		Super Preferred
None in last 4 years	You may qualify for		Preferred
None in last 3 years	You may qualify for		Preferred
None in last 2 years	You may qualify for		Standard
None in last 1 year	You may qualify for		Standard
Never	You may qualify for		Super Preferred
Current User	You may qualify for		Preferred Tobacco

Legal Information ING TermSmart, Policy Form Number 1177R, varies by state and may not be available in every state; and ING Return of Premium Term, Policy Form Number 1309 11/06, varies by state and may not be available in every state, are issued by ReliaStar Life Insurance Company, a member of the ING family of companies. All guarantees are based on the financial strength and claims paying ability of ReliaStar Life Insurance Company, who is solely responsible for the obligations under its own policies. ReliaStar Life Insurance Company is a member of ING.

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