Product Overview. You choose with. ING Indexed Universal Life - Global Choice. Something for Everyone. NEW

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1 Somethig for Everyoe. Product Overview Updated September 0 Goba Ch ice You choose with ING Idexed Uiversa Life - Goba Choice Life Isurace issued by Security Life of Dever Isurace Compay LIFE INSURANCE For aget/registered represetative use oy. Not for pubic distributio. Your future. Made easier.

2 Easier Fexibe Competitive Product Overview: Updated September 0 ING Protector Uiversa Life poicy form # Death beefit orieted product - Five year miimum mothy premium o apse guaratee - Low miimum face amout of $50,000 ($5,000 for ages 0-0) ING UL-GDB ING Uiversa Life- Guarateed Death Beefit poicy form #87-06/ - Fexibe death beefit protectio offerig up to a ifetime guarateed death beefit for a issue ages (subject to requiremets) - Impaired risk pricig oy 0% per tabe Uiversa Life Isurace Sige Life Idexed Survivorship ING UL-CV ING Uiversa Life-CV poicy form #77-0/08 accumuatio potetia. - Works we for Premium Fiacig ad Suppemeta Retiremet Icome. - Waiver of Surreder Charge Rider avaiabe for Traditioa Premium Fiace cases ING UL-ECV ING IUL-GDB ING Uiversa Life-ECV ING Idexed Uiversa Lifepoicy form Guarateed Death Beefit #76-08/08 poicy form #85-09/ - Strog eary surreder vaue potetia - Surreder vaue - Strog performace i 05s ad short pays - Substatia og-term surreder vaue accumuatoi potetia - Idexed Strategy with a guarateed miimum iterest rate of % per year - Fexibe death beefit protectio offerig up to a ifetime guarateed death beefit for a issue ages ING IUL-Goba ING Idexed Uiversa Life-Goba poicy form #80-/09 - Oe Idexed Strategy with a guarateed miimum iterest rate of % per year - Five year poit-to-poit usig weighted average of three idexes - Fixed Strategy with guarateed miimum iterest rate of % per year ING IUL-Goba Choice ING Idexed Uiversa Life-Goba Choice poicy form #86-09/ ING SASUL ING Strategic Accumuator Survivorship Uiversa Life poicy form #7 - Choice of Fixed Strategy - Strog eary or Three Idexed Stragies surreder - Eary Cash Vaue Rider vaue potetia - Seect Loas avaiabe - High targets to sti aow idex - VUL coversio creditig potetia feature Death Beefit Protectio Saes ING SUL-GDB ING Survivorship Uiversa Life-Guarateed Death Beefit NY poicy form #84-0/ - Fexibe death beefit protectio with death beefit guaratees that ca ast up to a ifetime for a issue ages. Guarateed Death Beefit Up to Lifetime Up to Lifetime Up to Lifetime Eary Cash Vaue (ECV) Potetia (No Surreder Charge) with Rider Oy ING IUL - Goba Choice More idexed creditig strategies, home ad abroad. S&P 500 Year Poit to Poit Idexed Strategy Year Goba Idexed Strategy 5 Year Goba Idexed Strategy Or pick a bed of strategies! Log-Term Accumuatio Potetia High Net Worth Foreig Natioa Saes Guarateed or Simpified Issue 05 Loa Carryover Avaiabe for Fuded ERISA Pa Saes Choice of GPT or CVAT Heaped Cash accumuatio potetia o your ciet s schedue. Eary Cash Vaue Rider Log-term cash accumuatio potetia with the base poicy Leveized & Semi-heaped (with ECV Rider) Uimited Roig Targets (N/A with ECV Rider) Acceerated Beefit Rider Additioa Isured Rider Adjustabe Term Isurace Rider Eary Cash Vaue Rider Guarateed Miimum Accumuatio Beefit Rider Overoa Lapse Protectio Rider Waiver of Specified Premium Rider Attractive distributio optios. Traditioa Loas Seect Loas aow your ciet to sti ejoy idex creditig potetia Partia Withdrawas Poicy oas ad withdrawas may reduce or eimiate idex credits, geerate a icome tax iabiity, reduce avaiabe surreder vaue ad reduce the death beefit, or cause the poicy to apse. Waiver of Surreder Charge Rider 4 Issued by ReiaStar Life Isurace Compay Issued by ReiaStar Life Isurace Compay of New York Issued by Security Life of Dever Isurace Compay 4 Whe the Waiver of Surreder Charge Rider is used the heaped commissios are reduced ad there is a eveized optio. For aget/registered represetative use oy. Not for pubic distributio. For aget/registered represetative use oy. Not for pubic distributio.

3 Easier Fexibe Competitive Product Overview: Updated September 0 Variabe Uiversa Life Isurace Term Life Isurace Sige Life Survivorship Speciaty Term ING VUL-DB ING Variabe Uiversa Life-DB poicy form #5(VUL)-0/0 ING VUL-CV ING Variabe Uiversa Life-CV poicy form #57(VUL)-0/08 ING VUL-ECV ING Variabe Uiversa Life-ECV poicy form #58(VUL)-06/08 ING SVUL-CV ING Survivorship Variabe Uiversa Life-CV poicy form #59(JTVUL)-/08 ING Corporate VUL ING Corporate Variabe Uiversa Life poicy form #56(VUL)-09/07 ING TermSmart poicy form #5-0/0 ING ROP Edowmet Term poicy form #4-/09 ING Oe-Year Term poicy form # ING Sur vivorship Oe-Year Term poicy form # - Competitivey-priced for ower fudig, death beefit protectio-focused saes whie maitaiig og-term cash accumuatio potetia accumuatio potetia - No mortaity ad expese risk (M&E) charges (curret basis) - Strog eary surreder vaue potetia - Surreder vaue - Strog performace potetia i 05s ad short pays - Poicy Spit Optio accumuatio potetia - No mortaity ad expese risk (M&E) charges (curret basis) - Desiged for Executive Beefits market - Strog eary surreder vaue potetia - Surreder vaue - Guarateed eve premium term for 0-, 5-, 0-, 5- ad 0-years - Four rate bads - Expaded issue ages - Covertibe durig the iitia term period up to - $ miio rate bad - Guarateed eve premium term for 0, 5, or 0 years - Covertibe durig the iitia term period up to - Guarateed cash vaues with oa capabiity - For short-term protectio eeds - Covertibiity optio - Low miimum face amout of $50,000 Death Beefit Protectio Saes Lifetime Guarateed Death Beefit Limited Rider Limited ad Lifetime Rider Limited ad Lifetime Rider Eary Cash Vaue (ECV) Potetia (No Surreder Charge) Log-Term Accumuatio Potetia High Net Worth Foreig Natioa Saes Guarateed or Simpified Issue 05 Loa Carryover Avaiabe for Fuded ERISA Pa Saes Choice of GPT or CVAT Heaped Leveized & Semi-heaped Semi-heaped oy Uimited Roig Targets Acceerated Beefit Rider Additioa Isured Rider Adjustabe Term Isurace Rider Eary Cash Vaue Rider Guarateed Miimum Accumuatio Beefit Rider Overoa Lapse Protectio Rider Waiver of Specified Premium Rider Waiver of Surreder Charge Rider 4 Issued by ReiaStar Life Isurace Compay Issued by ReiaStar Life Isurace Compay of New York Issued by Security Life of Dever Isurace Compay 4 Whe the Waiver of Surreder Charge Rider is used the heaped commissios are reduced ad there is a eveized optio. For aget/registered represetative use oy. Not for pubic distributio. For aget/registered represetative use oy. Not for pubic distributio.

4 Easier Fexibe Competitive Product Overview: Updated September 0 ING TermSmartHNY poicy form #4-0/0 - Guarateed eve premium term for 0-, 5-, 0-, 5- ad 0-years. - Four rate bads - Expaded issue ages - Covertibe durig the iitia term period up to Avaiabe i New York NY Term NY Uiversa Life NY Idexed NY Survivorship ING ROP Edowmet Term NY poicy form #-/09 ING Oe-Year Term NY poicy form # ING Sur vivorship Oe-Year Term NY poicy form # - $ miio rate bad - For short-term - Guarateed eve protectio eeds premium term for 0, 5, - Covertibiity optio or 0 years - Low miimum face - Covertibe durig the amout of $50,000 iitia term period up to - Guarateed cash vaues with oa capabiity ING Protector Uiversa Life NY poicy form # Death beefit orieted product - Five year miimum mothy premium o apse guaratee - Low miimum face amout of $50,000 ($5,000 for ages 0-0) ING UL-CV NY ING Uiversa Life-CV NY poicy form #00-09/09 accumuatio potetia. - Works we for Premium Fiacig ad Suppemeta Retiremet Icome. - Waiver of Surreder Charge Rider avaiabe for Traditioa Premium Fiace cases. ING UL-GDB NY ING Uiversa Life-Guarateed Death Beefit NY po. #005-06/ - Fexibe death beefit protectio offerig up to a ifetime guarateed death beefit for a issue ages (subject to requiremets) - Impaired risk pricig oy 0% per tabe ING IUL-GDB NY ING Idexed Uiversa Life- Guarateed Death Beefit NY poicy form #00-0/ - Substatia og-term surreder vaue accumuatoi potetia - Idexed Strategy with a guarateed miimum iterest rate of % per year - Fexibe death beefit protectio offerig up to a ifetime guarateed death beefit for a issue ages ING SUL-GDB NY ING Survivorship Uiversa Life- Guarateed Death Beefit NY poicy form #00-0/ Death Beefit Protectio Saes - Fexibe death beefit protectio with death beefit guaratees that ca ast up to a ifetime for a issue ages. Guarateed Death Beefit Up to Lifetime Up to Lifetime Up to Lifetime Eary Cash Vaue (ECV) Potetia (No Surreder Charge) Log-Term Accumuatio Potetia High Net Worth Foreig Natioa Saes Guarateed or Simpified Issue 05 Loa Carryover Avaiabe for Fuded ERISA Pa Saes Choice of GPT or CVAT Heaped Leveized & Semi-heaped Uimited Roig Targets Acceerated Beefit Rider Additioa Isured Rider Adjustabe Term Isurace Rider Eary Cash Vaue Rider Guarateed Miimum Accumuatio Beefit Rider Overoa Lapse Protectio Rider Waiver of Specified Premium Rider Grow your saes with easy access to timey iformatio ad the atest saes ideas Access our Micro Sites for compete iformatio o our product ie as we as advaced saes cocepts that ca be used to hep meet a your ciets eeds: Life Product Aveue cotais a this product iformatio ad more, at your figertips whe you eed it! Premium Fiace icudes ive LIBOR feed ad Stadard Rates ad Leder program detais Executive Beefits icudes How to Se Executive Beefits series ad How to Iustrate o ING Presets Weath Trasfer/ Estate Paig icudes atest estate tax iformatio ad fexibe cocepts to use i ucertai times Retiremet Paig icudes Retiremet Extra ad other uses of ife isurace i retiremet paig Busiess Paig gives paig techiques for busiess owers to hep preserve the vaue of their busiess or to pass o the owership of their busiess. Beefit from these Micro Sites at ING for Professioas. Waiver of Surreder Charge Rider 4 Issued by ReiaStar Life Isurace Compay Issued by ReiaStar Life Isurace Compay of New York Issued by Security Life of Dever Isurace Compay 4 Whe the Waiver of Surreder Charge Rider is used the heaped commissios are reduced ad there is a eveized optio. For aget/registered represetative use oy. Not for pubic distributio. For aget/registered represetative use oy. Not for pubic distributio.

5 Our product. Your cocept. Their soutio. Matchig product with cocept to more fuy meet your ciet eeds. Cotact ING today! Term UL IUL SUL VUL NY Term NY UL Ca: Your ING Life Compaies Represetative or ING Life Saes Support at -866-ING SELL ( ) Cick: ING for Professioas at Estate Paig Charitabe Givig ING TermSmart ING ROP Edowmet Term ING Oe-Year Term ING Protector UL ING UL-GDB ING UL-CV ING UL-ECV ING IUL-GDB ING IUL-Goba ING IUL-Goba Choice ING SASUL ING SUL-GDB ING VUL-DB ING VUL-CV ING VUL-ECV ING SVUL-CV ING Corporate VUL ING TermSmartHNY ING ROP Edowmet Term NY ING Oe-Year Term NY ING Protector UL NY ING IUL GDB NY ING UL-CV NY ING UL-GDB NY ING SUL-GDB NY Credit Sheter Trusts Direct Gifts ILIT/TOLI Legacy Max SM Life Isurace as a Asset Cass Private Fiacig Private Spit Doar Stad-by Trusts Premium Fiacig Accouts Receivabe Fiacig Traditioa Premium Fiacig Executive Beefits 40(k) Look-Aike Pas Death Beefit Oy Pas Edorsemet Spit Doar Exec Bous/REBA/Bus. Ower Bous NQDC/SERP S.O.L.A.R. Isurace Arragemets Spit Doar Loa Arragemets Busiess Paig Buy-Se Key Perso Retiremet Paig Pesio Max Retiremet Extra Avaiabe product/cocept soutio ad easiy iustrated usig ING Presets Avaiabe product/cocept soutio but currety caot be iustrated usig ING Presets. Basic product iustratio is avaiabe. Life isurace products are issued by ReiaStar Life Isurace Compay (Mieapois, MN), ReiaStar Life Isurace Compay of New York (Woodbury, NY) ad Security Life of Dever Isurace Compay (Dever, CO). Variabe uiversa ife isurace products are distributed by ING America Equities, Ic. Withi the state of New York, oy ReiaStar Life Isurace Compay of New York is admitted ad its products issued. A are members of the ING famiy of compaies. Registered ad/or variabe isurace products are offered by prospectus oy. To soicit registered ad/or variabe isurace products you must be appoited with the issuig isurace compay ad be a registered represetative of a broker-deaer that has a curret seig agreemet with the issuig compay; variabe isurace products may aso require you to obtai a variabe isurace product ie o your isurace icese. A guaratees are based o the fiacia stregth ad caims payig abiity of the issuig isurace compay, who is soey resposibe for a obigatios uder its poicies. Poicy oas ad partia withdrawas may vary by state, geerate a icome tax iabiity, reduce avaiabe surreder vaue ad death beefit or cause the poicy to apse. 0 ING North America Isurace Corporatio CN /4/0 For aget/registered represetative use oy. Not for pubic distributio.