The amount of information that an independent agent needs to know in the financial services industry is mind boggling!!! The amount of time spent trying to familiarize yourselves with each of your carriers’ paperwork, operations and products is quite substantial. This is why simplicity is so important in the Financial Services Industry. ING Fixed Annuities has mastered the art of simplicity. ING understands that if you spend a large piece of your time trying to learn the complications of a company’s forms, sales tools, products, etc. that you are losing time that you could otherwise be doing what you do best: selling! ING Fixed Annuity’s forms, products and sales tools are a testament to our "Clean and Simple" stance. For example, take a look at our two top selling Fixed Index Annuities. Our #1 selling Fixed Index Annuity is the Secure Index Opportunities Plus, which provides a 5% premium bonus on the initial premium along with 4 interest crediting methods for the client to choose from. It also provides an 8.5% MGAII commission to you, the agent. We also have the Secure Index 7 Annuity, which is our #2 selling fixed index annuity. This clean and simple contract offers a 3% minimum guarantee on 100% of premium, 7-year surrender schedule, full accumulation value death benefit and only one moving part (the cap). With this product, you can tell your clients that they will be guaranteed 3% per year regardless of market conditions(less withdrawals, surrender charges and premium taxes, if any)!! Considering the low interest rate environment we are currently experiencing, the market for a Fixed Index Annuity with a 3% minimum guarantee is substantial!!

To help with the sales process, ING Fixed Annuities has developed a ground breaking sales tool which can be acquired by calling FSD Financial Services at 800-373-9697. It is a CD ROM presentation approved for use with clients. You just pop this CD ROM into your laptop or the clients’ computer, and let them take it in. This 15 minute "movie" explains how the annuity works in an easy-to-understand language. It goes over market examples and explains the benefits of the premium bonus, minimum guarantee, the four interest crediting strategies, etc. The high quality graphics keep the viewer engaged and informed. We have been told by producers on several occasions this CD has greatly simplified their client appointments and many times has helped lead to a sale. These CD ROMS are product specific and are available for both the Secure Index Opportunities Plus and the Secure Index 7.

Another benefit of doing business with ING is, the brand. ING’s marketing campaigns over the last four years have taken ING’s brand recognition from 11% in 2001 to 77% in 2005*! ING’s purchase consideration went from 3% in 2001 to 23% in 2005*! Purchase consideration is the percentage of people that would consider doing business with ING. This means ING producers are finding their clients are more willing to listen to them because they are talking about a company the client is familiar with. Because the ING brand is so powerful, clients feel a sense of security. In an industry full of volatility, making the client feel secure is half the battle and that is why ING Fixed Annuities strives to be "Clean and Simple" to do business with!!!!

Agent Use Only. Contracts issued by ING USA Annuity and Life Insurance Company, 909 Locust Street, Des Moines, IA 50309. Interest Rates/Participation Rates/Interest Caps/Interest Spreads subject to change. Products/features not available in all states. Neither the company nor its agents and representatives can provide tax, legal or accounting advice. Clients should consult their own attorney or tax advisor about their specific circumstances. Withdrawals do not participate in index interest. IRAs and other qualified plans already provide tax deferral like that provided by the annuity. For an additional cost, the annuity provides additional features and benefits, including death benefits and the ability to receive a lifetime income. If other options are available, clients should not purchase a qualified annuity unless clients want these additional features and benefits, taking into account their cost. Products offering a bonus may offer lower credited interest rates and/or caps, than products not offering a bonus. Over time, and under certain circumstances, the amount of the bonus may be more than offset by the lower credited interest rate and/or caps. The Fixed Rate Strategy’s Minimum Guaranteed Interest Rate is 1.5% and is not tied to the Minimum Guaranteed Contract Rate. The Initial Minimum Guaranteed Contract Rate for, ING Secure Index Seven Annuity and ING Secure Index Opportunities Plus Annuity is set at contract issue and will not change for seven years for ING Secure Index Seven Annuity and for ten years for ING Secure Index Opportunities Plus Annuity (subject to change annually thereafter). Guarantees based on claims paying ability of the insurer.