P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Variable Accumulation Design Average Annual Total Returns as of: 09/30/2013 (shown in percentages) The following variable investment options are available through the variable universal life insurance policy identified above and this performance update illustrates their performance. Variable universal life insurance combines the protection and tax efficiencies of life insurance with the investment potential of a comprehensive selection of variable investment options. The insurance component provides the death benefit coverage and the variable component provides the flexibility to potentially increase the policy's cash value. The performance data quoted represents past performance. Past performance does not guarantee future results. Actual investment returns and principal value will fluctuate so that shares and\or units, at redemption, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. For performance data current to the most recent month-end please call 877-886-5050. The returns shown assume reinvestment of all dividends and reflect the deduction of all portfolio fees and expenses, including investment management fees, distribution (12b-1) fees and other expenses. Returns do not reflect the deduction of the variable universal life insurance policy's fees and charges, including the fees and charges for the cost of insurance, mortality and expense risks, taxes, sales, policy administration, transaction processing and any optional benefits. If these fees and charges were deducted, the performance shown would be significantly lower. Contact your registered representative to obtain a personalized policy illustration, which will show performance reflecting all applicable variable universal life insurance policy fees and charges. This material must be preceded or accompanied by a prospectus for the variable universal life insurance policy. Before investing, carefully consider the investment objectives, risks, and charges, and expenses of the variable universal life insurance policy and each underlying variable investment option. This and other information contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. Obtain these prospectuses from you registered representative or call and read them carefully before investing. Returns less than one year are not annualized. is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product. Variable Accumulation Design which may vary by state and may not be available in all states, is issued by ReliaStar Life Insurance Company distributed by ING America Equities, Inc., 1290 Broadway, Denver, CO 80203 and any other companies with which it has a selling agreement. Both are members of the ING family of companies. Stability of Principal Money Market ING Liquid Assets Portfolio - Initial Class (1)(2) 0.00 0.02 0.02 0.04 0.06 0.24 1.77 01/24/1989 The 7-day annualized yield as of 09/30/2013 is 0.00%, which more closely reflects current earnings. (14) Bonds High Yield Bond ING Pioneer High Yield Portfolio - Initial Class 1.99 3.31 8.56 11.98 10.73 14.56 9.37 01/03/2006 Intermediate-Term Bond Fidelity VIP Investment Grade Bond Portfolio- Initial Class (3) 1.34 0.79-1.76-1.34 3.47 6.59 4.67 12/05/1988 ING Intermediate Bond Portfolio - Class I 1.02 0.86-0.93 0.60 5.04 6.69 4.66 05/23/1973 ING PIMCO Total Return Bond Portfolio - Institutional Class 1.69 1.38-1.44-0.71 3.22 7.64 6.99 04/28/2006 ING PIMCO Total Return Portfolio - Initial Class (3) 1.84 1.55-1.66-1.02 2.87 7.10 5.10 05/01/2002 ING U.S. Bond Index Portfolio - Class I 1.06 0.61-2.17-2.19 2.46 5.04 4.35 03/04/2008 Short-Term Bond ING Limited Maturity Bond Portfolio - Service Class 0.30 0.51 0.51 0.61 1.02 2.78 2.59 01/24/1989 World Bond Page 1 of 5
ING Global Bond Portfolio - Service Class 2.47 1.81-5.28-4.45 2.16 5.77 4.64 11/08/2004 Asset Allocation Lifestyle ING Retirement Growth Portfolio - Institutional Class (4) 4.07 6.01 12.73 15.06 10.71 7.23 5.42 05/03/2004 ING Retirement Moderate Growth Portfolio - Institutional (5) 3.60 5.08 10.58 12.45 9.66 7.36 5.49 05/03/2004 ING Retirement Moderate Portfolio - Institutional Class 3.06 3.96 6.62 8.19 7.98 6.75 5.20 05/03/2004 ING Strategic Allocation Conservative Portfolio - Class I (3) 2.46 3.74 7.41 9.07 8.31 6.87 5.26 07/05/1995 ING Strategic Allocation Growth Portfolio - Class I (3) 4.13 6.65 14.35 16.47 11.15 7.55 6.08 07/05/1995 ING Strategic Allocation Moderate Portfolio - Class I (3) 3.29 5.20 10.31 12.24 9.51 7.14 5.63 07/05/1995 Balanced Aggressive Allocation ING Franklin Templeton Founding Strategy Port - Inst 3.34 6.58 16.01 19.71 12.49 9.52 5.12 04/24/2008 Moderate Allocation ING Balanced Portfolio - Class I 3.36 5.42 10.30 12.12 9.04 7.22 5.58 04/03/1989 ING Invesco Equity and Income Portfolio - Initial Class 2.45 4.01 17.29 17.93 12.41 9.52 8.01 12/10/2001 ING MFS Total Return Portfolio - Institutional Class (6) 2.44 3.34 11.99 13.05 10.24 7.80 6.37 08/14/1998 ING T. Rowe Price Capital Appreciation Portfolio - Inst (7) 2.20 4.49 15.17 17.29 14.16 11.01 9.97 01/24/1989 Large Cap Value Large Blend American s Insurance Series Growth-Income - Class 2 4.07 8.10 20.80 23.06 15.15 9.71 7.23 02/08/1984 Fidelity VIP Contrafund Portfolio - Initial Class 3.79 6.99 19.21 19.12 14.96 10.61 9.36 01/03/1995 ING Growth and Income Portfolio - Class I 3.03 6.68 19.24 17.87 14.93 9.90 7.56 12/31/1979 ING Index Plus LargeCap Portfolio - Class I 3.01 5.65 20.39 19.15 14.71 8.94 6.66 09/16/1996 ING Multi-Manager Large Cap Core Port - Institutional Class 2.40 4.40 19.40 19.61 12.24 7.24 6.00 04/29/2005 ING Russell Large Cap Index Portfolio - Class I 2.95 5.13 18.97 17.70 15.89 9.21 6.60 03/04/2008 ING U.S. Stock Index Portfolio - Institutional Class 3.10 5.20 19.56 19.10 15.97 9.78 6.47 05/03/2004 Large Value Fidelity VIP Equity-Income Portfolio - Initial Class 2.77 4.17 19.43 20.42 16.47 9.92 7.21 10/09/1986 ING Invesco Comstock Portfolio - Initial Class 2.25 4.33 22.27 25.43 16.58 10.25 7.61 05/01/2002 ING Invesco Growth and Income Portfolio - Service Class 2.80 4.69 23.07 23.43 15.45 9.13 8.24 10/04/1993 ING Large Cap Value Portfolio - Institutional Class 2.08 4.09 19.76 19.76 16.17 8.66 3.47 05/11/2007 ING Russell Large Cap Value Index Portfolio - Class I 1.84 3.10 18.97 19.55 15.31 16.57 05/01/2009 ING T. Rowe Price Equity Income Portfolio - Institutional (8) 2.96 4.59 19.48 21.87 15.73 9.47 8.05 01/24/1989 Large Cap Growth Large Growth American s Insurance Series Growth - Class 2 5.79 9.07 20.17 22.51 14.99 10.66 8.62 02/08/1984 ING BlackRock Large Cap Growth Portfolio - Institutional 4.50 8.27 18.15 15.41 14.32 9.54 6.61 05/01/2002 ING Large Cap Growth Portfolio - Institutional Class 4.45 8.13 19.02 17.20 16.88 13.78 8.90 05/03/2004 ING Marsico Growth Portfolio - Institutional Class (9) 5.49 8.53 23.47 21.93 16.16 10.82 7.49 08/14/1998 ING Russell Large Cap Growth Index Portfolio - Class I 4.20 7.40 18.57 15.54 16.19 17.64 05/01/2009 Neuberger Berman AMT Socially Responsive Portfolio - I Class 4.77 7.47 25.87 28.08 15.18 9.79 8.33 02/18/1999 Small/Mid/Specialty Mid-Cap Blend ING Index Plus MidCap Portfolio - Class I 5.48 8.10 23.91 27.13 17.40 11.74 9.33 12/16/1997 Mid-Cap Growth ING Baron Growth Portfolio - Initial Class 6.79 11.43 28.66 33.02 22.62 14.69 11.62 05/01/2002 ING FMR SM Diversified Mid Cap Portfolio - Institutional 5.66 10.29 23.70 26.51 11.59 11.81 11.45 10/02/2000 ING MidCap Opportunities Portfolio - Class I (3) 5.35 9.53 23.81 24.13 17.00 14.73 11.66 05/05/2000 ING Russell Mid Cap Growth Index Portfolio - Class I 4.94 9.22 25.07 27.07 17.36 21.38 05/01/2009 ING T. Rowe Price Diversified Mid Cap Growth Port - Initial 5.36 10.34 25.08 26.84 17.08 13.75 9.56 12/10/2001 Mid-Cap Value Page 2 of 5
ING American Century Small-Mid Cap Value Portfolio - Initial (3) 4.04 5.44 21.10 25.56 15.61 12.69 11.03 05/01/2002 ING JPMorgan Mid Cap Value Portfolio - Initial Class 3.36 5.39 21.40 24.75 18.62 12.68 10.55 05/01/2002 Small Blend ING Index Plus SmallCap Portfolio - Class I 6.19 11.23 29.97 32.54 18.86 10.64 8.98 12/19/1997 ING JPMorgan Small Cap Core Equity Portfolio - Institutional (10) 5.41 9.04 26.63 29.75 19.83 13.20 11.30 05/01/2002 ING Russell Small Cap Index Portfolio - Class I 6.42 10.26 27.69 29.91 18.23 10.98 10.95 03/04/2008 ING Small Company Portfolio - Class I 5.74 10.22 26.63 28.59 17.22 11.37 10.35 12/27/1996 Small Growth ING SmallCap Opportunities Portfolio - Class I 6.19 12.20 30.09 30.74 20.76 14.39 11.04 05/06/1994 Small Value ING Columbia Small Cap Value II Portfolio - Initial Class 6.20 10.25 29.31 33.72 18.91 11.45 6.30 04/28/2006 Specialty - Health ING BlackRock Health Sciences Opportunities Portfolio - Inst 5.50 11.82 33.97 34.27 20.64 11.73 8.26 05/03/2004 Specialty - Natural Resources ING Global Resources Portfolio - Institutional Class (11) 2.94 10.06 8.90 5.43 5.58 3.91 10.93 01/24/1989 Specialty - Real Estate ING Clarion Global Real Estate Portfolio - Service Class 5.97 2.21 3.04 9.66 9.09 6.11 4.65 01/03/2006 ING Clarion Real Estate Portfolio - Institutional Class (3)(12) 3.05-3.05 1.93 4.04 11.78 7.09 10.80 01/24/1989 Specialty - Utilities ING MFS Utilities Portfolio - Service Class 4.23 4.93 14.93 17.04 14.50 11.80 11.49 05/02/2005 Global / International Diversified Emerging Mkts ING JPMorgan Emerging Markets Equity Portfolio - Inst (13) 7.61 2.59-6.28 0.69-1.12 6.88 12.42 02/18/1998 Foreign Large Blend American s Insurance Series International - Class 2 7.09 9.10 12.73 18.75 6.23 6.78 9.19 05/01/1990 ING International Index Portfolio - Class S 7.40 11.19 14.66 23.31 8.13 5.56 1.12 03/04/2008 Foreign Large Growth ING T. Rowe Price International Stock Portfolio - Inst 7.45 10.03 9.66 15.77 7.40 5.75 6.69 04/29/2005 Foreign Large Value ING International Value Portfolio - Class I (3) 7.91 12.09 14.34 23.46 6.67 3.51 6.28 08/08/1997 ING Templeton Foreign Equity Portfolio - Initial Class 6.92 12.20 13.91 22.83 7.88 6.57 4.71 01/03/2006 World Allocation BlackRock Global Allocation V.I. - Class III Shares 2.99 4.47 8.99 10.52 6.89 7.26 8.83 02/28/1992 World Stock ING DFA World Equity Portfolio - Institutional Class 5.88 9.18 16.59 21.96 11.51 7.28 2.25 08/20/2007 ING Global Perspectives Portfolio - Class I 3.98 5.06 1.80 04/25/2013 ING Oppenheimer Global Portfolio - Initial Class 7.02 9.33 18.04 26.79 12.87 10.96 9.07 05/01/2002 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. Some of the s invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the s are not insured nor guaranteed. High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. (1)An investment in the ING Liquid Assets Portfolio - Service Class is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, there is no assurance it will be able to do so. While the fund's objective includes the preservation of capital, it is possible to lose money Page 3 of 5
by investing in the fund. See Performance Introduction Page for Important Information (2)The ING Liquid Assets Portfolio - Inst. Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund. The performance information for the ING Liquid Assets Portfolio - Inst. Class prior to May 1, 2003 is based upon the Service Class performance, NOT (3) closed to new investments. (4)The ING Retirement Growth Portfolio - Institutional Class commenced operations on October 23, 2009. The performance information above, prior to October 23, 2009, is based upon the ING LifeStyle Growth Portfolio - Institutional Class performance. (5)The ING Retirement Moderate Growth Portfolio - Institutional Class commenced operations on October 23, 2009. The performance information above, prior to October 23, 2009, is based upon the ING LifeStyle Moderate Growth Portfolio - Institutional Class performance. (6)The ING MFS Total Return Portfolio - Inst. Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund. The performance information for the ING MFS Total Return Portfolio - Inst. Class prior to May 1, 2003 is based upon the Service Class performance, NOT (7)The ING T. Rowe Price Capital Appreciation - Inst. Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund. The performance information for the ING T.Rowe Price Capital Appreciation Portfolio - Inst. Class prior to May 1, 2003 is based upon the Service Class performance, NOT (8)ING T. Rowe Price Equity Income Portfolio - Class I commenced operations on May 1, 2003. Class I has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class S. The performance information above prior to May 1, 2003 is based upon the Class S performance not adjusted by the fee differences between classes. (9)The ING Marsico Growth Portfolio - Inst. Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund. The performance information for the ING Marsico Growth Portfolio - Inst. Class prior to May 1, 2003 is based upon the Service Class performance, NOT (10)The ING JPMorgan Small Cap Core Equity Portfolio - Inst Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund.the performance information for the ING JPMorgan Small Cap Core Equity Portfolio - Inst Class prior to May 1, 2003 is based upon the Service Class performance, NOT (11)The ING Global Resources Portfolio - Inst. Class commenced operations on May 1, 2003. The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class of this fund.the performance information for the ING Global Resources Portfolio - Inst. Class prior to May 1, 2003 is based upon the Service Class performance, NOT (12)ING Clarion Real Estate Portfolio - Class I commenced operations on May 19, 2003. Class I has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class S. The performance information above prior to May 19, 2003 is based upon the Class S performance not adjusted by the fee differences between classes. (13)ING JPMorgan Emerging Markets Equity Portfolio - Institutional Class commenced operations on April 29, 2005. The Institutional Class has the identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class. The performance information shown above prior to April 29, 2005 is based upon the Service Class performance adjusted by the fee differences between classes. The returns shown are after the deduction of all fund fees and charges including investment management fees, distribution (12b-1) fees and other expenses. The returns do not reflect the deduction of other charges including mortality risk charges, premium or administration charges; therefore, only "gross" or "NAV" returns are shown and actual returns will be significantly lower as a result of these other charges. Please contact your agent to obtain an updated personalized policy illustration which will reflect all applicable fees and charges, including the cost of insurance. (14)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown. Investment Options are listed in asset class order, each of which has unique risk characteristics. The chart shows the performance for each investment option for the time periods shown here. Separate Account charges may be lower for your account and a Maintenance Fee may or may not apply to your account. A DSC may or may not apply to your account. Page 4 of 5
The chart shows the performance for each investment option for the time periods shown. Variable insurance products are issued by ReliaStar Life Insurance Company and distributed by ING America Equities, Inc., 1290 Broadway, Denver, CO 80203. Both are members of ING. Securities offered through ING America Equities or other broker-dealers with which it has a selling agreement. The variable investment options are available only as investment options in variable insurance products sold by life insurance companies. They are not made available to the general public. Creation : Tuesday, October 01, 2013 Page 5 of 5