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ING
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ING is a Dutch origin company
offering banking, investments, life insurance and
retirement services. |
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See What Our ING Insurance Brokerage System Has To Offer
You!
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ING is a global financial institution of Dutch origin
offering banking, investments, life insurance and retirement
services. ING serves more than 85 million private, corporate and
institutional customers in Europe, North and Latin America, Asia and
Australia. ING draws on experience and expertise, commitment to
excellent service and global scale to meet the needs of a broad
customer base, comprising individuals, families, small businesses,
large corporations, institutions and governments.
Insurance Americas Operations
Provides insurance, investment, retirement and asset management
products and services in the region. ING is ranked third in the
defined contribution segment of the US retirement services market as
measured by assets. ING is also a leading pension company in a
number of Latin American countries.
In the U.S., ING has a strong presence and a solid reputation in its
core business lines:
- Life Insurance
- Annuities
- Mutual Funds
- Retirement Plans
- Employee Benefits
- Direct Banking
- Financial Planning
Top 10 Underwriting Guideline
Advantages
Cholesterol |
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ING Life Companies do
not exclude treatment for cholesterol from our Super
Preferred rate class. |
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Total cholesterol and
cholesterol ratio are tiered by age and relationship
of total cholesterol to the cholesterol ratio for
all
preferred rate classes. |
Family History |
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Family history of
cancer is not considered in either the applicant's
parents or siblings in any of our preferred rate
classes. |
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Family history of
cardiovascular disease is only considered for
parents, not siblings. Our preferred criteria
considers death in parents from cardiovascular
disease, not disease onset, which is different than
some of our competitors. |
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Family history of
Preferred qualifications applies if the proposed
insured is age 59 or less |
APS
Guidelines |
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Our APS guidelines for
ages 18-60 do not include routine Age and Amount APS
ordering. APS's are ordered for cause only. |
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Mortality Credit Profile |
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If your clients show
indicators of a healthy lifestyle, they may earn
credits that offset the risk of some medical
impairments! The new parameters apply to cash value
life insurance applications with a face amount of $5
million for applicants age 18-75, and $3 million for
applicants 76-80. |
Tobacco |
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Occasional cigar use is
considered for non tobacco rates (even Super
Preferred) if applicant smokes no more than
one cigar a
week with a negative urine specimen. |
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Non tobacco usage is
considered for our Select rate class with 24 months
of non tobacco usage and for our Standard rate class
at 12 months of non tobacco usage. |
Standard to Preferred Philosophy |
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If your client receives
a Standard risk assessment without applying credits,
then they will be eligible to receive any of the
Preferred rate classes if they meet the criteria. |
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ING Insurance Brokerage Products
And Services
annuities
Want tax advantages or an income stream for
your clients?
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life insurance
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employee benefits
Want to provide employee benefits to your
clients?
learn more
Life and Accidental Death & Dismemberment
(AD&D) Insurance
- Universal Life
- Whole Life
- Term Life
- Personal Accident Insurance
Disability Income Insurance
- Disability Income Management
- Disability Income Products
Health-Related-limited benefit insurance
- Accident
- Critical Illness
Employee
Benefits insurance products and services in
the U.S. are provided by ReliaStar Life
Insurance Company (Minneapolis, MN) and
ReliaStar Life Insurance Company of New York
(Woodbury, NY). Within the State of New
York, only ReliaStar Life Insurance Company
of New York is admitted, and its products
issued. Both are members of the ING family
of companies. Product availability and
specific provisions may vary by state. Each
insurer is solely responsible for the
financial obligations under the policies or
contracts it issues.
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retirement plans
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mutual funds
We have mutual funds sure to fit you like a
glove.
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trusts
Help your clients keep what's theirs and pass it
on when and how they might want to.
learn more
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Insurer Disclosure
Insurance and annuity products are issued by the
following ING life insurance companies. All
guarantees are based on the financial strength and
claims paying ability of the issuing insurance
company, who is solely responsible for all
obligations under its policies.
ReliaStar Life Insurance Company1,2
ReliaStar Life Insurance Company of New York*2,3
Security Life of Denver Insurance Company2
ING Life Insurance and Annuity Company1*
ING USA Annuity and Life Insurance Company3
For additional information about the ING life
insurance companies listed above (including
addresses, NAIC number, state of incorporation and
license status) please
click here.
*Only Reliastar Life Insurance Company of New York
and ING Life Insurance and Annuity Company are
admitted, and their products issued, within the
state of New York
1 Variable annuity products are distributed by
ING Financial Advisers, LLC, (member
SIPC), One Orange Way, Windsor, CT 06095-4774
2 Variable universal life insurance products
are distributed by ING America Equities, Inc.,
member
FINRA, 1290 Broadway, Denver CO 80203
3 Variable annuities are distributed by
Directed Services, Inc., member
FINRA, 1475 Dunwoody Drive, West Chester, PA,
19380
Mutual Funds:
Mutual Funds are offered by ING Funds Distributor,
Inc., member
FINRA/SIPC,
7337 E Doubletree Ranch Road, Scottsdale AZ 85258
(800) 992-0180
Variable
insurance products and mutual funds are sold by
prospectus only. Before investing, carefully
consider the investment objectives, risks, and
charges and expenses of mutual funds and variable
insurance products and their underlying variable
investment options. This and other information is
contained in the prospectuses for mutual funds and
variable insurance products and the underlying
variable investment options. Obtain these
prospectuses from your agent/registered
representative or contact the appropriate
distributor listed above. You should read the
prospectus carefully before investing.
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ReliaStar Life Insurance
Company (ING) |
Address1 |
20 Washington Ave, South |
Address2 |
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City |
Minneapolis |
State |
MN |
Zip |
55401 |
Phone Number |
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Fax Number |
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WebPage |
http://ing.us |
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Start Here!!
Get The Best Term Life Quote
For Your Client-
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Our brokerage spreadsheet quoting system allows you to
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Get appointed with the
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Get a state specific term
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Request
state specific brokerage life application forms-
Mail completed forms to -
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National Marketing P.O. Box 30248
Charleston, SC 29417 800-406-6303
843-769-9804 fax
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A Tale Of Two Agents
Captive Agent
An agent
working exclusively for a single firm. He or she is obliged to submit
business only to that firm, or at least give that firm first rights of
refusal on the case.
Captive agents that are non-established are
usually paid on a combination of salary and commissions earned from selling
the policy contract. Also, the firm usually provides its captive agents
with an allowance for office expenses as well as employee benefits such as
pensions, life insurance, and health insurance.
The
established captive agent is usually paid exclusively on a commission
basis. This type of agent will tend to have more in-depth knowledge of
that firm's policies, however, he or she will hardly ever be equipped
to offer the industries' best price on any particular product
offering.
Independent
Agent Broker
Simply said, independent agents are appointed to sell
policies from many insurers. The agent is independent from all
insurers thus, the independent brokerage agent's responsibility is solely focused
on evaluating the client's needs and the pricing of the product
chosen.
While searching for the
brokerage market's best place for a
client's business, independent agents pay all their own expenses and
keep their own records and earn their income from brokerage commissions on the
policies they sell.
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