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2 Kick Start Your Clients Estate Planning by Taking Advantage of Low Interest Rates S A M P L E If you have clients who have been putting off their estate plans, now may be the time to move forward. Interest rates today are low. Historically low. And this presents an opportunity for you and your clients to take action on their estate plans. Take a look at how interest rates are today compared to this time in previous years. December 2008 December 2009 December 2010 December 2011 December 2012 December 2013 Short Term Rate 1.36% 0.69% 0.32%.20%.24%.25% Mid-Term Rate 2.85% 2.64% 1.53% 1.27%.95% 1.65% Long Term Rate 4.45% 4.17% 3.53% 2.8% 2.4% 3.32% 1 year LIBOR Rate 2.38% 0.99% 0.79% 1.1%.86%.58% Section 7520 Rate 3.40% 3.20% 1.80% 1.6% 1.2% 2.0% LIFE INSURANCE For agent use only. Not for public distribution.

3 No COBRANDING Summary Life insurance is a key financial product for funding a well-designed estate plan. ILITs are a key tool for keeping the death benefits from life insurance outside of the insured s estate. Private financing, premium financing, and GRATs are all strategies for funding ILITs that work best when interest rates are low. Today s interest rates are low. Historically low. If you have clients that have been putting off their estate planning, now may be the best time to talk to them about getting started. Where Can I Learn More? To learn more about private financing, premium financing, or GRATs, contact your ING Life Companies representative, or call ING Insurance Sales Support at 866-ING-SELL ( ). S A M P L E These materials are not intended to and cannot be used to avoid tax penalties and they were prepared to support the promotion or marketing of the matters addressed in this document. Each taxpayer should seek advice from an independent tax advisor. The ING Life Companies and their agents and representatives do not give tax or legal or lending advice. This information is general in nature and not comprehensive, the applicable laws may change and the strategies suggested may not be suitable for everyone. Clients should seek advice from their tax and legal advisors regarding their individual situation. Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the ING family of companies ING North America Insurance Corporation CN /19/2014 For agent use only. Not for public distribution.

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5 Financial Center Brokerage-NY 4201 Avenue of the Americas, Suite 1250 New York, NY At FCBNY we have built our business on long-term relationships. Since 1978 we have worked with Manhattan producers to create a reliable, flexible business model that allows us to adapt to changing market conditions. We have grown through recommendations and referrals and consistently strive to create and maintain lasting relationships. This is the type of sustainable business plan we believe will position us to continue to succeed, together with our partners over the long term. For more information contact: FCB-NY Website

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7 DJ Agency Serving Atlanta Brokers Since 1980 Doug Jewett, President When experienced professional sales support counts most Come to DJ Agency. We have among the most experienced underwriting, new business, product, and advanced sales teams in the state. Our staff members average over 15 years in the life brokerage business helping producers place their cases. Producers who use us can depend upon us for the best sales support around. Give Us a Try and You ll See Why!! Need Help? Call Today DJ Agency 111 South 1 st Street, Atlanta, GA DJ Agency Website

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9 Boston Bay Brokerage Serving Boston Area Brokers Since 1777 Building business with Boston area brokers the hard way by earning it Experience the difference our top-flight illustration support, advanced sales and underwriting teams can make in bringing even your toughest cases to a successful completion. We earn your business by making it easier & more profitable for you. For more information contact: Alex Hamilton alexh@bbbbma.com Dutch Settles dutch@bbbbma.com Boston Bay Brokerage 111 South Harbor Way, Boston, MA Boston Brokerager Website

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11 Path Financial Agency 500 North Ave, Suite 2 Burlington, VT Ph: Fax: Guide your business to and through the carrier with the product and undertwriting to give your client the best choice available requires decades of working with the top carriers in the brokerage business. Serving VT brokers since 1975, our almost 40 years experiience years helps ease your way Vermont s Pioneer in Life Brokerage Call Gloria Delfino at ext 222,or GloriaD@pfabvt.com Home

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13 Call us when Experience Counts Most! Many producers consider us their first choice for getting impaired risk clients the best quote possible. Finding that requires detailed knowledge of carrier underwriting niches AND product pricing! Our underwriting staff has been placing challenging from local producers for over 30 years and is the most experienced in town. For immediate help with your case, contact DJ Agency Atlanta s Landmark Agency Jack Daniels jack@dougjewett.com Hiram Walker hiram@dougjewett.com DJAgency 111 South 1 st Street Atlanta, GA Visit DougJewett.com