ING TermSmart and ING TermSmart*NY:

A Competitive level term product, 10-15-20-30 year level premium guarantees renewable to age 95*, four No Tobacco underwriting classes, convertible to a cash value policy without evidence of insurability**, can prepay*** up to 10 years.

*All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.
**Certain restrictions and/or limitations may apply; refer to ING Term Conversion Rules.
***Prepay option is not available in all states. Prepayment deposits are held in a separate fund earning a guaranteed rate of interest. All interest earnings are income taxable to the policy owner.

ING TermSmart and ING TermSmart NY, policy form series 1177R and 1177R NY, vary by state and may not be available in every state, and are issued by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York, members of the ING family of companies.