ING Employee Benefits offers individual universal life insurance plans (UL), which offer 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. Employees also appreciate the flexibility and portability of the plan and the simplicity of payroll deduction of premiums.

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.

This communication [and any attachments] is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that may be imposed on such person, and cannot be used or referred to, in promoting, marketing, or recommending to another party any transactions or matters addressed herein.

To learn more about services for agents/enrollers of voluntary benefits, visit www.ingemployeebenefits-us.com/payroll.