Financial Ratings

Financial Strength Ratings for the ING Life Companies

Independent rating services evaluate insurance company financial strength. The ratings relate to an insurance company's ability to meet its claims and guarantees. The ratings do not apply to the safety or performance of any specific insurance product or any obligations of the variable investment option. The ratings are as of July 24, 2012 and are subject to change.

CompanyA.M. BestFitchMoody'sStandard & Poor's

ING Life Insurance and Annuity Company

A

A-

A3

A-

ING USA Annuity and Life Insurance

A

A-

A3

A-

Reliastar Life Insurance Company

A

A-

A3

A-

Reliastar Life Insurance Company of NY

A

A-

A3

A-

Security Life of Denver Insurance Company

A

A-

A3

A-

A.M. Best Company assigns ratings from A++ to F based on a company's financial strength and ability to meet obligations to contract holders. A (Excellent) is the 3rd highest of 15 ratings.
http://www.ambest.com

Fitch assigns ratings from AAA to C based on company’s financial strength. A- (Strong) is the 7th highest of 19 ratings.
http://fitchratings.com

Moody's Investor Service (Moody's) assigns ratings from Aaa to C based on a company’s financial security. A3 (Good) is the 7th highest of 21 ratings.
http://moodys.com

Standard & Poor's assigns ratings from AAA to CC based on a company's financial security. A- (Strong) is the 7th highest of 20 ratings.
http://www.standardandpoors.com

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