ING Guaranteed Death Benefit Universal Life II - The Brokers Network

ING
GDBUL II
MODIFIED
WITH
MUSCLE!
For Sales Traction
ING Guaranteed Death Benefit Universal Life II
Issued by Security Life of Denver Insurance Company
For agent use only. Not for public distribution.
LIFE
Your future. Made easier. SM

Supercharge
your Sales
FULLY COMMISSIONABLE
New Adjustable Term Rider
to enhance competitiveness with scheduled
death benefit increases that are underwritten
at issue for anticipated future needs
Exclusive
ING GDBUL II
American General ContinUL Extend
AXA Athena UL LPR
John Hancock Protection UL-G 07
Lincoln Life LifeGuarantee UL
Pacific Life Versa Flex VI
Genworth Lifetime Flex Plus
Hartford Advanced UL
Lincoln Benefit Legacy Secure (2007)
MetLife Guaranteed Advantage
Nationwide Ultimate UL
Principal UL Protector III (2007)
COMMISSIONABLE
Rider to Schedule
Death Benefit Increases
Yes
No
No
No
No
No
No
No
No
No
No
No
Powerfully Competitive Premiums
• For lifetime guaranteed death benefit protection
• Reduced premiums for less than lifetime guarantee periods
• Strong single-and short-pay scenarios
DOWN FROM 25%
Reduced impaired risk pricing
to 20% per table
Premiums for Guaranteed
Death Benefit to age 100
Full Pay
Standard No Tobacco
Male, $1,000,000 stated death benefit Age 45 Age 55 Age 65 Age 75
ING GDBUL II 8,600 14,450 25,262 46,150
American General ContinUL Extend 8,677 14,457 25,176 46,420
AXA Athena UL LPR 9,144 14,798 25,497 48,209
John Hancock Protection UL-G 07 9,934 15,724 26,863 51,330
Lincoln LifeGuarantee UL 9,223 14,882 25,359 45,632
Pacific Life Versa Flex VI * 8,898 15,089 25,943 47,638
Ranks #1 #1 #2 #2
* blended to match ING GDBUL II target premium
Premiums for Guaranteed
Lifetime Death Benefit
Single Pay
Best Class
Male, $1,000,000 stated death benefit Age 35 Age 45 Age 55 Age 65
ING GDBUL II 73,883 114,767 171,959 262,777
American General ContinUL Extend 86,835 130,583 186,664 292,444
AXA Athena UL LPR 88,823 131,294 184,956 304,243
John Hancock Protection UL-G 07 99,954 147,964 184,812 277,276
Lincoln LifeGuarantee UL 81,033 121,121 185,741 290,640
Pacific Life Versa Flex VI * 78,326 124,962 195,728 302,055
Ranks #1 #1 #1 #1
* blended to match ING GDBUL II target premium
Premiums for Guaranteed
Lifetime Death Benefit
Full Pay
Standard No Tobacco
Male, $1,000,000 stated death benefit Age 45 Age 55 Age 65 Age 75
ING GDBUL II 1 9,100 15,101 26,000 47,897
American General ContinUL Extend 1 9,144 15,150 26,332 47,999
AXA Athena UL LPR 3 9,144 14,798 25,497 48,209
John Hancock Protection UL-G 07 3 10,215 15,830 26,885 51,330
Lincoln LifeGuarantee UL 2 9,474 15,350 26,290 47,675
Pacific Life Versa Flex VI 2* 9,252 15,593 27,217 50,888
1
pay to age 121; 2 pay to age 120; 3 pay to age 100
* blended to match ING GDBUL II target premium
Ranks #1 #2 #2 #2
These figures are for illustrative purposes only. Rates current as of 12/5/07 and are subject to change. The
information is from public sources deemed to be reliable from peer group companies. Although every attempt
has been made to ensure the accuracy of this information, it cannot be guaranteed. There may be differences
in products compared that are not reflected in the figures. Policies vary by state, and may not be available in
every state. All factors such as policy features, riders, fees and expenses should be taken into consideration
when your client purchases a life insurance product.
All guarantees are based on the financial strength and claims-paying ability of Security Life of Denver
Insurance Company who is solely responsible for the obligations under its own policies.
For agent use only. Not for public distribution.

Get Sales Traction
with ING GDBUL II
Death Benefit
Protection
Short Term
Long Term
ING GDBUL II
Accumulation
Adjustable Term Rider (ATR)
ATR lets your clients schedule future death benefit increases for foreseeable personal, estate or business needs.
Rules and ATR Underwriting Conditions:
• Increases are underwritten. The highest future death benefit determines the medical and financial underwriting
requirements. The underlying assumptions and the pattern of scheduled increases must be reasonable.
• No ATR is allowed in year one.
• Scheduled increases are allowed beginning in policy year two.
• Scheduled decreases and unscheduled increases are not allowed.
• No scheduled increases are available to substandard risks.
• The highest future ATR amount must be less than or equal to two times the stated death benefit on the
policy date and cannot exceed $10,000,000.
• In any year the ATR increase must be less than or equal to 25% of the stated death benefit at policy issue.
• The first increase must be scheduled within five years after policy issue, and subsequent increases must
be within five years of the immediately preceding increase.
• Any scheduled increase must occur before the later of attained age 75 or five years after the policy date.
• Each increase must be greater than or equal to 2% of the stated death benefit on the policy date.
• No increase can be greater than two times the amount of the immediately preceding scheduled increase.
This is a summary of the Adjustable Term Rider. See rider for details.
For Guaranteed Long Term
Death Benefit Protection
Call us at 800-749-9900
Not FDIC/NCUA Insured
Not A Deposit Of A Bank
Not Bank Guaranteed
May Lose Value
Not Insured By Any Federal Government Agency
For agent use only. Not for public distribution.
ING Guaranteed Death Benefit Universal Life II, policy form series #1174, may vary by state and may not be available in all states, is issued by Security Life of Denver
Insurance Company (Denver, CO), a member of the ING family of companies. Not available in New York.
© 2007 ING North America Insurance Corporation. cn58917122008
146334 12/17/2007