ING Fixed Annuities

Interest Rates and Features

Effective Date: 05/08/2013

Rates in Orange indicate a change from previous rate.

ING Fixed Annuities Sales Desk:

800-369-5301

ING Lifetime Income

(Single Premium Deferred Fixed Annuity with indexed withdrawal benefit)

  • "Boosts" to the benefit base in years five and ten1
    • 5-year deferral = 150% boost
    • 10-year deferral = 225% boost
    • Potential index-linked increases to the benefit base subject to a 6% cap1
  • Provides an income stream that lasts a lifetime
  • Built in withdrawal benefit

LEARN MORE at INGLIFETIMEINCOME.COM passcode: lifetime

Please use ING Presents illustration software or contact the Sales Desk for quotes.

ING Secure Series

ING Secure Index Opportunities Plus Annuity (Single Premium)

Immediate 5% Premium Bonus Available2 $15,000 Band   $75,000 Band
Interest Rate Benchmark Strategy:*

10.00%

2.25

cap

multiplier

10.00%

4.00
Point-to-Point Cap Index Strategy: 2.00% cap 2.75%
Performance Trigger Index Strategy: 1.50%   2.25%
Monthly Cap Index Strategy: 0.75% monthly cap 1.15%
Fixed Rate Strategy: 1.00%   1.00%

* The maximum annual index credit for the Interest Rate Benchmark Strategy is 10% and subject to change without notice.

ING Secure Index Seven Annuity (Flexible Premium)

  $15,000 Band   $75,000 Band
Interest Rate Benchmark Strategy:*

10.00%

4.00

cap

multiplier

10.00%

5.50
Point-to-Point Cap Index Strategy: 2.75% cap 3.75%
Performance Trigger Index Strategy: 2.55%   3.00%
Monthly Cap Index Strategy: 1.05% monthly cap 1.45%
Fixed Rate Strategy: 1.10%   1.10%

* The maximum annual index credit for the Interest Rate Benchmark Strategy is 10% and subject to change without notice.

ING Secure Index Five Annuity (Flexible Premium)

  $15,000 Band
  With ROP**   Without ROP
Interest Rate Benchmark Strategy:*

10.00%

1.25

cap

multiplier

10.00%

2.00
Point-to-Point Cap Index Strategy: 1.50% cap 2.00%
Performance Trigger Index Strategy: 1.00%   1.50%
Monthly Cap Index Strategy: 0.55% monthly cap 0.65%
Fixed Rate Strategy: 1.00%   1.00%

NJ: Call the Sales Desk for Monthly Average Index Strategy rates
* The maximum annual index credit for the Interest Rate Benchmark Strategy is 10% and subject to change without notice.

  $75,000 Band
  With ROP**   Without ROP
Interest Rate Benchmark Strategy:*

10.00%

2.75

cap

multiplier

10.00%

3.50
Point-to-Point Cap Index Strategy: 2.00% cap 2.50%
Performance Trigger Index Strategy: 1.50%   2.00%
Monthly Cap Index Strategy: 0.95% monthly cap 1.05%
Fixed Rate Strategy: 1.00%   1.00%

NJ: Call the Sales Desk for Monthly Average Index Strategy rates
* The maximum annual index credit for the Interest Rate Benchmark Strategy is 10% and subject to change without notice.

ING Secure Index Outlook Annuity (Single Premium)

Immediate 3% Premium Bonus Available2 $15,000 Band   $75,000 Band
Interest Rate Benchmark Strategy:*

10.00%

2.25

cap

multiplier

10.00%

4.00
Point-to-Point Cap Index Strategy: 2.00% cap 2.75%
Performance Trigger Index Strategy: 1.50%   2.25%
Monthly Cap Index Strategy: 0.75% monthly cap 1.15%
Fixed Rate Strategy: 1.00%   1.00%

* The maximum annual index credit for the Interest Rate Benchmark Strategy is 10% and subject to change without notice.

ING Envoy Fixed Index Annuity

Envoy 9 $15,000 Band***   $75,000 Band
Point-to-Point Cap Index Strategy: 2.50%   3.25%
Fixed Rate Strategy: 1.25%   1.25%

FL & OR: Call the Sales Desk for Point-to-Point Participation Index Strategy rates

ING Guarantee Choice Annuity (Single Premium)3

$15,000 Band $75,000 Band
10 Year Guarantee Period: 1.50% 1st Year: 2.50%   Years 2-10: 1.50%
7 Year Guarantee Period: 1.50% 1st Year: 2.50%   Years 2-7: 1.50%

ING Single Premium Immediate Annuity

ING Single Premium Immediate Annuity Please Use ING Presents Illustration Software or Contact Sales Desk for Quotes

All guarantees are based on the financial strength and claims paying ability of ING USA Annuity and Life Insurance Company, who is solely responsible for all obligations under its policies.

Annuities are long-term investments designed for retirement planning. They are a contract between your client and an insurance company, under which the insurer agrees to make periodic payments to your client.

*The maximum annual index credit and participation multiplier for the ING Interest Rate Benchmark Strategy are subject to change without notice.

**Return of Premium Rider, IU-RA-3058. Return of Premium rider offers lower interest crediting potential in return for enhanced guarantees.

***$10,000 for qualified money

11Benefit base boosts to 150% of premium in year five and 225% in year ten, less withdrawals, subject to deferring lifetime income withdrawals. Boost percentage and index cap are subject to change at any time.

2Products offering a bonus may offer lower credited interest rates, index caps, monthly caps, participation rates, and/or participation multipliers than products not offering a bonus. Over time, and under certain circumstances, the amount of the bonus may be more than offset by the lower credited interest rates, index caps, monthly caps, participation rates, and/or multipliers.

3The surrender charge on ING Guarantee Choice is waived for 30 days following the end of an interest rate guarantee period. Surrender charge will then continue, but will not reset.

Contracts issued by ING USA Annuity and Life Insurance Company, 909 Locust Street, Des Moines, IA 50309. Contract Form Series: IU-IA-3050 (07/11), IU-IA-3034 (07/11), IU-IA-3033 (07/11), IU-RA-3058, IU-IA-3038 (07/11), IU-IA-3067, IU-IA-3064, IU-IA-3036, 1823, IU-IA-3119, IU-RA-3120, IU-RA-3121, IU-RA-3122, IU-RA-3123. Interest rates, participation rates, index caps, monthly caps, multipliers and index spreads subject to change. Products and features not available in all states. IRAs and other qualified plans already provide tax-deferral like that provided by an annuity. Additional features and benefits such as contract guarantees, death benefits and the ability to receive a lifetime income are contained within the annuity for a cost. Please be sure the features and costs of the annuity are right for you when considering the purchase of the annuity. Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59 1/2, an additional 10% Federal penalty tax. Neither the company nor its agents or representatives can provide tax, legal or accounting advice. Guarantees based on claims-paying ability of the insurer.

The 45-day rate lock period for any contract begins the day its application is received unless: (i) an application signed prior to the effective date of a rate change is received on or after the aforementioned effective date; and (ii) said application is received by close of business no more than seven days after the aforementioned effective period begins. In this case, the 45-day rate lock period begins on the effective date of the rate change.

Visit www.INGAnnuities.com for state approvals.

CN0312-8640-0415
124375 - 05/08/2013
© 2013 ING North America Insurance Corporation
For agent use only. Not for public distribution.