ING FixedDesign

1. ING FixedDesign Kerry Rossiter Northeastern Relationship Manager

2. Today we are going to Introduce you to an exciting new concept in Indexed Annuities, The ING USA Income Outcome Annuity. Today we will cover several areas that will show why the product is so unique and refreshing to the industry. We will discuss why the product was created, who the product is geared towards and, how this product will help clients in planning for retirement and also show you the amazing tools that support this product.Today we are going to Introduce you to an exciting new concept in Indexed Annuities, The ING USA Income Outcome Annuity. Today we will cover several areas that will show why the product is so unique and refreshing to the industry. We will discuss why the product was created, who the product is geared towards and, how this product will help clients in planning for retirement and also show you the amazing tools that support this product.

3. How to Become a Retirement Specialist

4. �Right now I have enough money to last me the rest of my life � unless I buy something.� Jackie Mason

13. ...choosing the right safe money vehicle is the key... We think the key to this is choosing the right safe money vehicle. We think that your solution to This ever increasing retirement income crisis is: We think the key to this is choosing the right safe money vehicle. We think that your solution to This ever increasing retirement income crisis is:

14. The ING USA Income Outcome Annuity, we like to think of it more as a concept then a product. Lets take a like at some of the features, and how the product will work.The ING USA Income Outcome Annuity, we like to think of it more as a concept then a product. Lets take a like at some of the features, and how the product will work.

15. Annual Reset Index Annuity with fixed option No averaging Two Tracks for crediting index performance One moving part - Cap 1. This product is an equity indexed annuity with 2 investment choices. You have a fixed rate strategy. This rate is locked in for 1 year and will renew annually. You also have an index strategy called the Retirement Index Strategy or RIS. This is a true annual reset point to point with no averaging (2). Gains can be realized annually. Keep in mind that in zero or negative years with the S&P, your account value remains flat, there is no loss. The advantage of the annual rest point to point is that if there is a bad year in the S&P, you have a low starting point to begin the next year. All you need is a positive gain in the S&P to realize gains in the product, you do not have to get back to the original point of the S&P upon your issue date. 3. We have 2 tracks for crediting index performance. Track 1 or Accumulation Value and Track 2 for Income or Annuitization Value. As we go through the example of the product in a few minutes, these will be explained in great detail, but it is the track to value that will allow a client to supercharge their income. 4. The only moving part on the contract is the cap. The cap is locked in for a year and can change, but up to this point we have always renewed caps at what they were issued at. 5. The participation rate is 100% and that is locked in for the duration of the contract. 6. This product is a true 10 year walkaway, and we do not have rolling surrenders. All money put in at anytime, is available to be surrendered after the 10th contract year.7. The minimum Guarantee on the product is 3% on 87.5 of premium. So, if you put in $100,000 and the S&P is zero or negative for 10 years, you would be able to walk away with $117,593 if you did not take any withdrawals. Keep in mind that this never reflects in your cash value. 1. This product is an equity indexed annuity with 2 investment choices. You have a fixed rate strategy. This rate is locked in for 1 year and will renew annually. You also have an index strategy called the Retirement Index Strategy or RIS. This is a true annual reset point to point with no averaging (2). Gains can be realized annually. Keep in mind that in zero or negative years with the S&P, your account value remains flat, there is no loss. The advantage of the annual rest point to point is that if there is a bad year in the S&P, you have a low starting point to begin the next year. All you need is a positive gain in the S&P to realize gains in the product, you do not have to get back to the original point of the S&P upon your issue date. 3. We have 2 tracks for crediting index performance. Track 1 or Accumulation Value and Track 2 for Income or Annuitization Value. As we go through the example of the product in a few minutes, these will be explained in great detail, but it is the track to value that will allow a client to supercharge their income. 4. The only moving part on the contract is the cap. The cap is locked in for a year and can change, but up to this point we have always renewed caps at what they were issued at. 5. The participation rate is 100% and that is locked in for the duration of the contract. 6. This product is a true 10 year walkaway, and we do not have rolling surrenders. All money put in at anytime, is available to be surrendered after the 10th contract year.7. The minimum Guarantee on the product is 3% on 87.5 of premium. So, if you put in $100,000 and the S&P is zero or negative for 10 years, you would be able to walk away with $117,593 if you did not take any withdrawals. Keep in mind that this never reflects in your cash value.

16. Let�s take a look at how the product works�. To Illustrate how the product works, we are going to view a segment of a CD that is available, and client approved, that explains exactly how the product works in great detail. We will take a look at Bob, he is 55 years old and is 10 years away from retiring. He has $125,000 that he has decided to invest in the ING USA Income Outcome Annuity. Bob has decided to split his money between the 2 strategies. He will place $25,000 in the FIS and $100,000 in the RIS. Lets take a closer look at how Bobs money could grow. Keep in mind that this is a hypothetical example.To Illustrate how the product works, we are going to view a segment of a CD that is available, and client approved, that explains exactly how the product works in great detail. We will take a look at Bob, he is 55 years old and is 10 years away from retiring. He has $125,000 that he has decided to invest in the ING USA Income Outcome Annuity. Bob has decided to split his money between the 2 strategies. He will place $25,000 in the FIS and $100,000 in the RIS. Lets take a closer look at how Bobs money could grow. Keep in mind that this is a hypothetical example.

20. How would getting paid twice sound�? As you can see from the video, the example can be a very powerful tool to put in front of a client. Lets recap some of the highlights of the product. It is important to keep in mind that this is a true 10 year walkaway with no hidden fees or charges. Many times when people see an enhanced product, the think that the client is being hit somewhere within the product, that is not the case here, as I said, there are no hidden fees or cost, what you see is what you get. The death benefit on the product is very clean, you are entitled to accumulation value as of the date of death. We like to think that we have the best nursing home waiver in the industry. As long as an individual is confined to an approved facility for at least 30 consecutive days, they have full access to the accumulation value of the contract. Keep I mind that taxes and IRS penalties for individuals under 59.5 may still apply. The contract is available for issue up to age 75. The contract minimums are $1500 or $50 a month qualified or $5000, $200 a month Non Qualified. It is important to remember that each payment made to the RIS strategy will take 365 days to realize gains, so what you see a lot of clients do is to allocate additional payments to the fixed account and then move all of the money on the contract anniversary to keep things consistent.This is a flex premium contract and there are no rolling surrenders, this is a 10 year surrender schedule from the date of issue.As you can see from the video, the example can be a very powerful tool to put in front of a client. Lets recap some of the highlights of the product. It is important to keep in mind that this is a true 10 year walkaway with no hidden fees or charges. Many times when people see an enhanced product, the think that the client is being hit somewhere within the product, that is not the case here, as I said, there are no hidden fees or cost, what you see is what you get. The death benefit on the product is very clean, you are entitled to accumulation value as of the date of death. We like to think that we have the best nursing home waiver in the industry. As long as an individual is confined to an approved facility for at least 30 consecutive days, they have full access to the accumulation value of the contract. Keep I mind that taxes and IRS penalties for individuals under 59.5 may still apply. The contract is available for issue up to age 75. The contract minimums are $1500 or $50 a month qualified or $5000, $200 a month Non Qualified. It is important to remember that each payment made to the RIS strategy will take 365 days to realize gains, so what you see a lot of clients do is to allocate additional payments to the fixed account and then move all of the money on the contract anniversary to keep things consistent.This is a flex premium contract and there are no rolling surrenders, this is a 10 year surrender schedule from the date of issue.

21. Indexed MYGA

22. ING Secure Index Annuity� SIMPLE DESIGN! SHORT TERM! STRONG GUARANTEES! 3 Accumulation Strategies! Interest Rate Guarantees! Index Guarantees! And Much More!

23. Funded plans under ERISA may not be used with EIAs or annuities with more than a 10 year surrender charge. IRAs and other qualified plans are already tax deferred; consider other annuity features. Assumes no withdrawals, premium taxes, or surrender charge. Guarantees are based on the claims paying ability of the insurer. Neither the company nor its agents can provide tax or legal advice. Clients should consult their tax advisor or attorney. Product/features not available in all states. Flexible Premium Contract Form Series #1890, #FA-2013.

24. ING Secure Index Annuity Traditional Index Strategy Annual Reset Point-to-Point with a Cap No Spread 100% Participation Rate

25. ING Secure Index Annuity Guarantees 3% on 100% of Premiums Received (Less any Withdrawals, Surrender Charges and Premium Taxes)

26. ING Secure Index Annuity  1996 Betty Martin was 7 years away from retiring with: 401(k) Plan Pension $100,000 Betty allocated $100,000 to the Traditional Index Strategy in the ING Secure Index Annuity from 6/30/1997 through 6/30/2004. Participation Rate: 100% Cap: 7.0%

27. ING Secure Index Annuity  Beginning Value: $100,000 Ending Value: $138,586

28. ING Secure Index Annuity Consumer Case Study: John(Hypothetical case study of a fictitious consumer)

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