(ING GDBUL II & ING GDBUL II NY)

1. Introducing… ING Guaranteed Death Benefit Universal Life IIING Guaranteed Death Benefit Universal Life II NY (ING GDBUL II & ING GDBUL II NY) ING Guaranteed Death Benefit Universal Life II (ING GDBUL II), policy form series #1174, and ING Guaranteed Death Benefit Universal Life policy form series 1172 (guaranteed issue only) may vary by state and may not be available in all states, are issued by Security Life of Denver Insurance Company, a member of the ING family of companies. Not available in New York. ING Guaranteed Death Benefit Universal Life II NY (ING GDBUL II NY), policy form series #3000, not available outside of New York, is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY), a member of the ING family of companies. Within the state of New York only ReliaStar Life Insurance Company of New York is admitted and its products issued. All guarantees are based on the financial strength and claims-paying ability of the issuing insurance company, who is solely responsible for the obligations under its own policies. Neither ING or its affiliated companies or representatives offer legal or tax advice. Clients should consult with their tax and legal advisors regarding their individual situation.

2. Product Highlights Competitive universal life insurance offering flexible death benefit protection with death benefit guarantees that can last up to a lifetime for all issue ages. Target ages: 45-65 Description • * Competitive premiums for: • - Lifetime guaranteed death benefit protection • - Single payment scenarios • Adjustable Term Insurance Rider – commissionable (not available in NY) • Reduced impaired risk pricing to 20% per table • Ratings drop off after 20 years • * Catch up ability to extend guarantee period Key Features SPNT: 18-80 PNT: 18-85 SNT: 0-90* PT: 18-85 ST: 16-90* *86-90 require special attention Issue Ages & Underwriting Classes*

3. Product Highlights Issue Requirements Minimum Policy Size $50,000 Compensation Heaped Family Protection and Basic Life Insurance needs, Estate Planning, Wealth Transfer, Business Planning, Charitable Giving Primary Sales Applications • Accelerated Death Benefit • Adjustable Term Insurance (not available in NY) • Allows for scheduled increases for growing needs! • Avoid delays and problems! • Additional Insured • Waiver of Specified Premium Riders

4. How does it work? Client Profile Situation: Peter is 60 years old and has owned a Universal Life insurance policy on his life for 20 years. He is frustrated because he feels his existing policy has underperformed over the years. He would like to move the $185,000 of accumulated cash value from his current policy to a new policy that will guarantee a death benefit for the rest of his life. As Peter is retiring, he would rather not pay any additional premiums for his new policy. Possible Solution: Peter’s financial professional suggested ING Guaranteed Death Benefit Universal Life II from Security Life of Denver Insurance Company. Peter applies for, and is approved Preferred Non Tobacco for an ING GDBUL II policy. His accumulated cash value is transferred via 1035 exchange to his new policy with no additional premium necessary. The exchange purchases a policy with a death benefit of $793,543 with the death benefit guaranteed for life. Underwriting Class: Preferred Non Tobacco Annual Premium: $0* Death Benefit: $793,543 *Annual premiums for life for Male, age 60, Preferred No Tobacco underwriting class, Option 1; $185,000 1035 premium. Face solve. GL:$30,504 TP: $14,355. All guarantees are based on the financial strength and claims paying ability of Security Life of Denver Insurance Company, who is solely responsible for obligations under its own policies.

5. How does it work?

6. Sales Promotion Materials Order Kit #156058 Consumer Facts at a Glance #148089 (NY #153012) Product Guide #146332 Competitive Flyer #155987 Product Flyer #156022 Consumer Brochure #146335

7. Product Recap • A product fit for: • Family Financial Protection • Individual Estate Planning • Wealth Transfer • Charitable Giving • Business Planning • Key Advantages: • Competitive premiums for • - Lifetime, and less than lifetime death benefit guarantees • - Single pay scenarios • Adjustable Term Insurance Rider (ATR) available for scheduled death benefit increases (not available in NY) • Reduced impaired risk pricing to 20% per table • Full compensation on conversions from any term policy issued by an ING life insurance company • Very flexible death benefit protection

8. ING GDBUL II & ING GDBUL II NY - Next Steps? Right now. . . ■ Who do you know? ■ Write them down! ■ Call your office ■ Call. . . ING Life Sales Support Team! (866) ING–SELL 866-464-7355