INCOME SECURED. Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones.

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1 Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones. Assured income for family for 60 months* Assured income for family for 60 months* SECURED INCOME Insurance Plus Family Income Benefit Limited Premium Payment Term 10% Guaranteed Addition + SMS SIP TO

2 What is all about? We all wish to save money for many financial goals like buying a car, building a house, child s education and marriage, retirement, etc. With multiple saving channels available, it is often confusing to assess which is really the best way to save. Any ideal savings plan must have the following essentials: A - Systematic and disciplined method of saving B - Safe returns C - Protection against any emergency or unavoidable circumstance D - Flexibility to customize the plan as per individual need brings all of the essentials to you in one package. This plan is your ideal savings tool for long term financial goals. In addition to ensuring systematic savings it also ensures financial protection for your family in case of any unfortunate and unforeseeable event. This is a participating endowment assurance plan which means that ING Life will invest money on your behalf and you will have share in the profits of company s participatory fund which comes to you through bonuses declared by the Company. Bonuses are not guaranteed and will depend on the fund s performance. This plan is best suited for anyone who wants moderate but steady and guaranteed returns and is generally of risk averse nature. Key benefits Double Death Benefit: Sum Assured + vested bonus, if any + terminal bonus, if any + Family Income Benefit Maturity Benefit: Sum Assured + vested bonus, if any + terminal bonus, if any + 10% of Sum Assured as guaranteed addition Flexibility to choose the number of years you want to pay premiums How the plan works Step 1 Step 2 Benefits Choose the Policy Term, Premium Paying Term, Sum Assured, riders and premium payment frequency Based on the chosen parameters and your age, the premium will be arrived at In case of unfortunate demise, Death Benefit will be paid. In case of maturity of the policy, Maturity Benefit will be paid. Eligibility Conditions Minimum / Maximum Maturity Age Minimum / Maximum Maturity Age 0 years - 60 years age last birthday 18 years - 70 years age last birthday Policy Term Premium Paying Term (PPT) Minimum Premium (`) Maximum Premium (`) 10-20, 25 and 30 years 5, 7 or 10 years* PPT / Mode Annual Semi Annual Quarterly Monthly 10 12,000 6,000 3,000 1, ,000 9,000 4,500 1, ,000 12,000 6,000 2,000 Limited to amount covering maximum sum assured of `50,00,000 *For Policy Term of 10 years, 10 years PPT is not available

3 Plan Benefits: Death Benefit: This plan ensures that in case of death of the life assured, the family not just gets the Sum Assured but also gets an assured income for next 5 years equal to 120% of Sum Assured (which is payable on a monthly basis). Thus, the death benefit is Sum Assured + Family Income Benefit + Vested Bonus, if any + Terminal Bonus, if any. Family Income Benefit: We understand that in case of unfortunate demise of the bread earner, the family can face financial difficulties. A regular income at this stage can really provide much needed security to your family. If the Life Assured has completed 18 years of age as at the date of death, ING Life will pay 2% of Sum Assured every month for the 5 years following the death of the life assured. This means a total payout of 120% of Sum Assured (2% for 60 months). This comes in addition to the Sum Assured, Vested Bonus and Terminal Bonus, if any, that are paid in lump sum on death. The first installment of Family Income Benefit will be paid immediately on death. In case of death of the life assured at age less than 18 years, instead of a monthly income, the Family Income Benefit will be payable in lump sum and the amount would be equal to 100% of the Sum Assured. This amount will be in addition to Sum Assured, vested bonus and terminal bonus, if any. Maturity Benefit: ING Life values the faith that you have put in to us and to demonstrate the same, provides 10% additional guaranteed Sum Assured on maturity of the policy. The total maturity benefit is as follows: Sum Assured (Guaranteed) + 10% of Sum Assured (Guaranteed) + Vested Bonus, if any (Non-Guaranteed)* + Terminal Bonus, if any (Non-Guaranteed)* *Bonuses are not guaranteed and will depend on fund s performance. Flexibility to pay premiums for a shorter duration while enjoying benefits for longer duration: For those who have cyclical income or would like to make commitment for a shorter time while enjoying the plan benefits for the full duration, provides limited Premium Paying Terms. You can choose to pay premium for 5, 7 or 10 years as per your convenience. While paying the premium only for the premium payment term chosen, your plan benefits will continue for the entire policy term which could be 10 to 20 or 25 or 30 years. Additional Riders to choose from: Riders are optional benefits that you can buy for little extra premium. These benefits generally provide you a higher protection cover on life. Riders can be added and deleted, thereby providing you the flexibility to manage your protection level. ING Life provides extra cover through riders for the following incidents: 1) Protection against accident: Especially at young ages, the chances of death are higher through an accident than any other way. With this benefit, in case of death, disability or dismemberment of Life Assured due to accident, additional sum assured is paid. 2) Additional life cover: This benefit provides an extra sum assured in the event of death of life assured over and above the base sum assured under the policy.

4 3) Protection against Critical Illness: This benefit payout ensures that family is not burdened with high medical expenses, thereby allowing them to maintain their standard of living. Critical Illness riders provide protection against 25 critical disease and pay a lump sum benefit in case the policy holder is diagnosed with any of the listed illness like Heart Attack, Cancer, Paralysis, Kidney failure, Coma, etc. Further details of all these riders are available separately through rider brochure and Terms and Conditions. ADB Rider UIN: 114C003V01, ADDDB Rider UIN: 114C002V01, Term Rider UIN: 114B007V01, ING Critical Illness Rider UIN No. 114B009V01, ING Critical Illness Limited Pay Rider UIN No. 114B008V01. Other Benefits: Bonus: Bonuses represent your share in the profits of company s participating fund. Bonus is calculated on the Sum Assured in the policy. Bonuses are therefore not guaranteed and are based on the fund s performance. ING Secured Income Insurance Plus provides two kinds of bonuses: Simple reversionary bonus: ING Life may declare bonus as a percentage of Sum Assured which will be attached to your policy and will be paid at death or maturity of the policy whichever is earlier. Terminal Bonus: ING Life may also declare a terminal bonus from 10th policy year and is payable at maturity of policy or death of the life assured. ING Life has declared stable bonuses in the past and will endeavor to do so in the future. The same is available for reference on the Company website. However, past track record of bonus does not in any way indicate its future prospect or returns. Loan Benefit: A life insurance policy should be handy for you in case of any adverse financial emergencies and this policy is designed to avail of a policy loan under such circumstances, whereby you are eligible after paying the premium for two full years and after completion of two policy years. Income Tax Benefit: A Policyholder may be eligible for tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961, subject to provisions contained therein. U/s 80C of the Income Tax Act 1961 on your premiums U/s 10(10D) of the Income Tax Act 1961 on the maturity proceeds of your policy* *If the amount of premium paid in any year(s) for the policy is in excess of 20% of the actual capital sum assured, the tax benefits under section 10(10D) will not be available. The aforesaid tax benefits are subject to change in tax laws and to the terms set out in the said sections. We therefore urge you to carefully analyze in consultation with your tax advisor the tax benefits/tax implications, if any that may arise on investing in this policy. Discount for High Premiums: With, we reward you with a premium discount if you pay higher premium. The applicable premium slabs and discount rates are mentioned below: Annualised Premium (`) Discount Rate Less than % to less than % to less than % to less than % and above 6%

5 Benefit Illustration: This is an indicative Illustration of how your money could grow with. Age at Policy Premium Annual Sum Maturity Value (`) Maturity Value (`) Entry Term Paying Term Premium Assured assuming investment assuming investment (Yrs) (Yrs) (Yrs) (`) (`) return of 6% return of 10% ,000 1,98,528 3,92,291 6,65, ,000 1,54,052 3,04,407 5,16, ,000 1,21,507 2,40,098 4,07,535 Please Note: Service tax and education cess shall be charged extra as per applicable rates. Terms and Conditions: Grace Period: Grace Period is an extra time period after the premium payment due date which is provided to you for your convenience in paying the premium. Grace Period is 30 days for all premium payment frequencies. Lapse: If at least two years premium is not being paid, the policy will lapse on the date of expiry of grace period. Once the policy lapses, all benefits under the policy will cease. A lapsed policy will not be eligible for bonus. All rider benefits, if any, will cease once the policy lapses. Reduced Paid - up: If at least two years premium has been paid and further premiums are unpaid, the policy will acquire a Reduced Paid - up state on the date of expiry of grace period. Once the policy becomes Reduced Paid - up, the sum assured will be reduced as per the formula mentioned below: Reduced paid - up Sum Assured = Number of premiums paid Total number of premiums payable x (Sum Assured of basic policy) + Accumulated bonuses, if any For calculation of maturity benefit, if the policy is in the Reduced Paid - up state, 10% additional guarantee will be calculated on reduced paid - up Sum Assured. A reduced paid - up policy will not be eligible for bonus. All rider benefits if any will cease once the policy attains Reduced Paid - up status. If the policy is in reduced paid - up state and life assured dies, family income benefit will not be paid. Reinstatement: Policy can be reinstated during the policy term but within a period of five years from the date of first unpaid premium by submitting the proof of continued insurability to the satisfaction of the company and making the payment of all due premiums together with payment of reinstatement charge at such rate as may be prevailing at the time of the payment. Surrender: If at least two full years premiums have been paid and after two policy years have been completed, this policy may be surrendered for a special surrender value, which is determined by the company from time to time.

6 The amount payable on surrender is higher of the Special Surrender Value or the Guaranteed Surrender Value, after deduction of any loans under the Policy. Guaranteed Surrender Value equals Guaranteed Surrender Value Factor times the total amount of premiums paid excluding the premiums paid for the first policy year and premium for extra mortality rating, if any. The Guaranteed Surrender Value Factors increase with the policy duration and are provided in the table below. Policy Year Guaranteed Surrender Value Factor % % % % % % % % % % % % 13 Onwards 80.00% Lien: If the age of the life assured is less than 12 years, the insurance cover including Family Income Benefit under the policy will commence from age 5 or two years from the policy commencement date, whichever is later. If the life assured dies before commencement of insurance cover, all premiums paid will be refunded without any interest. Free Look Period: In case you disagree with any of the terms and conditions of the policy, you have the option to cancel the policy by writing to the company stating the reasons for disagreement with the policy terms and conditions and return the original policy document to the company within 15 days of the receipt of the Policy Document. In case of such cancellation, the premiums you have paid will be refunded after deducting the medical examination fees (if any), stamp duty charges and proportional charges towards Insurance risk cover. Suicide: If the Life Assured commits suicide for any reason whether sane or insane within one year from the Risk Commencement Date or within one year from the date of revival of the policy, the policy shall terminate and no benefits under the policy will be paid. However, in case of suicide within one year from the date of revival of policy, special surrender value if any will be paid. Risk Factors: is a Non-Linked, Participating Life Insurance Product. ING Vysya Life Insurance Company Limited is only the name of the Insurance Company and ING Secured Income Insurance Plus is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns. This product guarantees the maturity benefit and death benefit. However the benefits are subject to all premiums being paid on time and bonuses are not guaranteed and depend on fund s performance.

7 The purpose of this brochure is to provide a general overview about this policy. The information herein is indicative of the terms, conditions, warranties and exceptions contained in the policy terms and conditions of ING Secured Income Insurance Plus. Please refer to the policy terms and conditions / rider terms and conditions to understand in detail the associated risks, benefits, etc. In the event of any inconsistency / ambiguity between the terms contained herein and the policy terms and conditions, the policy terms and conditions will prevail. Section 41: Prohibition of Rebate: Under the provisions of Section 41 of the Insurance Act, ) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: 2) Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. Section 45: Non-Disclosure: Under the provisions of Section 45 of the Insurance Act, 1938, the company is entitled to repudiate the policy on the ground that a statement made in the proposal or in any report of a medical officer or referee or friend of the insured or any other document leading to the issue of the policy was inaccurate or false, before the expiry of 2 years from the effective date of the policy, and thereafter that if such false or inaccurate statement was related to a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder and that the policy-holder knew at the time of making it that the statement was false or material to disclose. About ING Group ING is a global financial institution of Dutch origin offering banking, investments, life insurance and retirement services. As of 30 June 2010, ING served more than 85 million private, corporate and institutional clients in more than 40 countries. With a diverse workforce of about 105,000 people, ING is dedicated to setting the standard in helping our clients manage their financial future. About ING Life (As on Nov 2011) ING Life India, in its 10th year of operations, is a part of the ING Group. ING Life entered the private life insurance industry in India in September The company has issued over 1.2 million policies and is staffed by over 6000 employees. Headquartered in Bangalore, ING Life India is currently present in 190 cities. In addition, the company distributes its products in several parts of the country through its partner's presence. ING Life India distributes its products through two channels, the Tied Agency Force and the Alternate Channel. The Tied Agency force comprises over 30,000 ING Life Advisors, spread across the country. The Alternate Channels business within ING Life India is a fast growing distribution channel, and includes the Banc assurance partner (ING Vysya Bank), Referral Partners, Corporate Agents and Brokers. Mission: To set the standard in helping our customers manage their financial future.

8 Calculate your Premium and Sum Assured via SMS instantly To calculate annual premium for desired sum assured: SMS: SIP <space> AP <space> Age <space> PT <space> PPT <space> SA For example, send SIP AP to if you are 35 years old and you want to calculate the annual premium you will need to pay in 7 years for a desired sum assured of `5,00,000 in 20 years.. To calculate the desired sum assured: SMS: SIP <space> SA <space> Age <space> PT <space> PPT <space> AP For example, send SIP SA to if you are 35 years old and you want to calculate the desired sum assured in 20 years by paying Annual premium of `24,000 for 7 years. Key word reference: Age = Your current age in years; PT = Policy Term you choose; PPT = Premium Payment Term you choose; AP = Annual Premium (inclusive of service tax) you plan to pay in `; SA = Desired Sum Assured To know more about this product, please contact our nearest Branch Office. Or call us at or SMS SIP to or visit: Insurance is the subject matter of the solicitation. *Available as death benefit only; + Available with only, as maturity benefit. UIN: 114N061V01; Accidental Death Benefit Rider (ADB) UIN: 114C003V01; Accidental Death Disability and Dismemberment Benefit Rider (ADDDB): 114C002V01; ING Term Life Rider: UIN 114B007V01; URN: ILI/COLL/2011/323; ING Critical Illness Rider UIN No. 114B009V01, ING Critical Illness Limited Pay Rider UIN No. 114B008V01; ING Vysya Life Insurance Co. Ltd., Registration No.114, Regd. and Corporate Office: ING Vysya House, 5th Floor, No.22, M G Road, Bangalore , India. Tel: Fax :

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