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Fueling the value of your annuityFlexible PremiumThe amount of money that you put into the INGSecure Index Seven Annuity is called the premium.Multiple premiums may be paid into this annuity.This annuity requires a minimum initial premium ofat least $15,000 (subject to change withoutnotice.) Subsequent premiums must be a minimumof $50. 100 percent of your premium is put intothe contract.Interest Crediting StrategiesFixed Rate StrategyPremium placed in the Fixed Rate Strategy receivesinterest credited at a fixed rate that is declared atthe beginning of each election year by thecompany. This strategy may be ideal if you want toknow at the beginning of the year how muchinterest will be credited to your contract during theupcoming year.Choice of Five Index-Linked InterestCrediting StrategiesYou also have the choice of five strategies where theinterest credit to the contract is related to theincrease, if any, in the S&P 500 ® Index during thecontract year. The S&P 500 ® Index is widely regardedas the premier benchmark for U.S. stock marketperformance. The index contains stocks from 500large, leading companies in various industries. Thesefive interest crediting strategies may offer moreinterest crediting potential than the Fixed RateStrategy may in any given year, with the assurancethat your interest credit can never be less than zero.Interest Rate Benchmark StrategyWith this strategy, interest credit is related to theincrease, if any, in the 3-Month London Inter-BankOffered Rate (LIBOR) Interest Rate. The LIBOR is abenchmark for global short term interest rates. Itprovides an indication of the interest rate at whichbanks can borrow funds from other banks in theLondon interbank market, in a given currency, fora given period of time. The LIBOR is set on a dailybasis by the British Bankers' Association and isderived from an average of the rates submitted toit by the world's largest banks.This strategy is designed to provide interest credit inthe event that short term interest rates rise over theinterest rate benchmark period. If short term interestrates remain level or decrease over the period, thisstrategy will not provide interest credit. Movement offuture interest rates is unknown.How the Interest Crediting Strategies WorkWith the interest crediting strategies, interest iscredited annually at the end of the contract year.The interest credit is calculated over the contractyear, NOT the calendar year. Since the interestcredit is related, in part, to movements in the S&P500 ® Index or the 3-Month LIBOR Interest Rate,the interest your annuity will be credited at theend of the contract year cannot be known orpredicted prior to the end of the contract year.Once interest credits are made, they are protected.Neither your premium, nor any previously creditedamount can be diminished due to movements inthe Index or Benchmark.Look at the descriptions of the six interest creditingstrategies and the Fixed Rate Strategy on the pagesahead to see how collectively they help youpotentially maximize interest crediting potential.2
Strategy How It Works AdvantagePoint-to-Point ParticipationIndex Strategy}This strategy bases interest creditsupon a predetermined percentage(called the participation rate) of thepercentage change in the S&P 500 ®Index, as measured by comparingits value at the beginning and theend of the contract year. Theparticipation rate is declared inadvance, guaranteed for one yearand subject to change annually.This strategy has no limit on theannual interest credit. Becausethere is no annual cap on thecredit, this strategy tends to creditmore interest than the otherstrategies in years when the marketends significantly higher than thebeginning of the year.Point-to-Point Cap Index StrategyPerformance Trigger Index StrategyMonthly Average Index StrategyYear 0S&P 500 ® Index}Year 1Receive the percentagechange using 12 monthlyindex values, less anindex spread.This strategy bases interest creditsupon the entire percentage changein the S&P 500 ® Index, asmeasured by comparing its value atthe beginning and the end of thecontract year, not to exceed apredetermined annual index caprate. The index cap is declared inadvance, guaranteed for one yearand subject to change annually.This strategy bases interest creditson a predetermined rate (calledthe trigger rate) if the S&P 500Index value at the end of thecontract year is greater than orequal to the S&P 500 index valueat the beginning of the contractyear. The trigger rate is declared inadvance, guaranteed for one yearand subject to change annually.Instead of just comparing the S&P500 ® Index value on two dates, thisstrategy compares the index valueat the beginning of the contractyear to an average of 12 indexvalues occurring each monththroughout the contract year. Theinterest credit is the entire return bythis measurement, less apredetermined annual index spread.The index spread is declared inadvance, guaranteed for one yearand subject to change annually.This strategy provides 100% indexparticipation up to an annual indexcap. It tends to credit more interestthan the other strategies in yearswhen the market return is near orbelow the index cap.This strategy will credit the triggerrate if the percentage change of theS&P 500 ® Index during a contractyear is 0% or greater. It tends tocredit more interest than otherstrategies in years when the Indexpercentage change is below thetrigger rate, and is at least 0%.This strategy has no limit on theannual interest credit. It tends tocredit more interest than the otherstrategies in years when the S&P500 ® Index posts most of its gainsearly in the year or in years when theS&P 500 ® Index drops sharply late inthe year.3
Page 1: Mapping Your Retirement Destination
Page 6 and 7: Strategy How It Works AdvantageMont
Page 8 and 9: Point-to-Point Participation Index
Page 10 and 11: Performance Trigger Index StrategyT
Page 12 and 13: Monthly Cap Index StrategyThis stra
Page 14 and 15: Access to Your MoneyPenalty-Free Wi
Page 16: Client ServicesOur friendly Custome

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