ING Employee Benefits offers an individual universal life insurance plan (UL) that can be purchased independently, or with our portable and supplemental term insurance (term/UL). The term insurance portion provides affordable protection in the near term, while the UL offers continued life insurance coverage plus the potential for cash value accumulation* and tax-deferred growth, according to current tax laws, over the long term and into retirement. The cornerstone of this plan is the professional benefit communication and on-site individualized enrollment meetings with an enrollment specialist** to ensure employees have an opportunity to ask questions and make informed benefit decisions. Employees also appreciate the flexibility and portability of the plan and the simplicity of payroll deduction of premiums. And, because the program is completely voluntary, there is no additional benefit cost to the employer.

Most Products and services are provided by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York. Not all products and services are available in all states.

* Universal life insurance builds cash value, which accumulates at the current non-guaranteed interest rate. Changes in the current non-guaranteed interest rate, current cost of insurance rates, and current expense charges will affect the cash value. The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in the policy.

** Enrollment specialists are licensed insurance agents appointed by the insurer.