Insurer / Investor Disclosure

Insurance and annuity products are issued by the following ING life insurance companies. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

ReliaStar Life Insurance Company1,2

ReliaStar Life Insurance Company of New York*2,3

Security Life of Denver Insurance Company2

ING Life Insurance and Annuity Company1*

ING USA Annuity and Life Insurance Company3

For additional information about the ING life insurance companies listed above (including addresses, NAIC number, state of incorporation and license status) please click here.

* Within the state of New York, only ReliaStar Life Insurance Company of New York and ING Life Insurance and Annuity Company are admitted and their products issued.

1 Variable annuity products are distributed by ING Financial Advisers, LLC, (member SIPC), One Orange Way, Windsor, CT 06095-4774. Securities may also be distributed through other broker-dealers with which ING Financial Advisers, LLC has selling agreements.

2 Variable universal life insurance products are distributed by ING America Equities, Inc., 1290 Broadway, Denver CO 80203.

3 Variable annuities are distributed by Directed Services, Inc., 1475 Dunwoody Drive, West Chester, PA, 19380.

Mutual Funds:

Mutual Funds are offered by ING Funds Distributor, LLC., member FINRA/SIPC, 7337 E Doubletree Ranch Road, Scottsdale AZ 85258 (800) 992-0180.

Variable insurance products and mutual funds are sold by prospectus only. Before investing, carefully consider the investment objectives, risks, and charges and expenses of mutual funds and variable insurance products and their underlying variable investment options. This and other information is contained in the prospectuses for mutual funds and variable insurance products and the underlying variable investment options. Obtain these prospectuses from your agent/registered representative or contact the appropriate distributor listed above. You should read the prospectus carefully before investing.

 Investments are not guaranteed and are subject to investment risk including the possible loss of principal. The investment return and principal value of the security will fluctuate so that when redeemed, may be worth more or less than the original investment.

Variable insurance products are subject to investment risk, are not guaranteed and will fluctuate in value. In addition, there is no guarantee that any variable investment option will meet its stated objective.