ING TermSmart, policy form series 1177R, and ING ROP Term may vary by state and may not be available in all states and are issued by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the ING family of companies. ING ROP Term consists of a base term policy, policy form #1309 11/06 and a Return of Premium Rider form #R1347 11/06. The base policy cannot be issued without the Return of Premium Rider. All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company who is solely responsible for obligations under its own policies.

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© 2009 ING North America Insurance Corporation

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154240 10/16/2009