ING U.S. Join us on the journey.
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1 ING U.S. Join us on the journey. Helping Americans build financial security. RETIREMENT. INVESTMENTS. INSURANCE
2 On the path to financial independence. It helps to have a plan. [ ] As a leading provider of retirement, investment and insurance solutions, we help millions of Americans prepare for their financial futures. 1
3 Our vision is clear. We aspire to be America s Retirement Company TM making a secure financial future possible, one person, one family, one institution at a time. Who we are Where we lead We take pride in our leadership rankings and recognition: What we do The ING U.S. family of companies works directly with clients and through a broad group of financial intermediaries, independent producers, affiliated advisors and dedicates sales specialists to provide a comprehensive portfolio of asset-accumulation, asset-protection and asset-distribution products and services, including: What we believe in ING U.S. creates shared value for our company and the community by conducting business in a way that is socially, environmentally, economically and ethically responsible. ING U.S. is a premier retirement, investment and insurance company serving the financial needs of approximately 13 million individual and institutional customers in the United States. Our vision is to be America s Retirement Company TM, and we have a clear mission to make a secure financial future possible one person, one family and one institution at a time. Investments ING U.S. Insurance Access to approximately 13 million customers through approximately 200,000 points of distribution More than $494 billion in total AUM and AUA (as of September 30, 2013) A top-five U.S. retirement plan provider based on number of plans, participants and assets 1 A multi-investment-platform asset manager with 85% of our funds beating their 10-year Morningstar category average 2 A top-tier independent broker-dealer network in the United States with a broad distribution footprint of approximately 2,400 independent advisors 3 ING U.S. holds a top-10 industry ranking in medical stop loss coverage 4 Human Rights Campaign, Corporate Equality Index Perfect Score 2013 Retirement plans Holistic financial planning and advice Individual Retirement Accounts (IRAs) Stable value investment options Fixed and fixed-indexed annuities Institutional investment management Mutual funds Alternative Investments Life insurance Employee benefits The four pillars of our corporate responsibility commitment drive investment in the communities where we work and live, support diversity in the workplace and our customer and community outreach, ensure environmental sustainability and uphold our business ethics and principles. Retirement 1 Pensions & Investments Defined Contribution Record Keepers Survey, March Asset-weighted basis. Includes mutual funds and variable portfolios. Past performance does not guarantee future results. The calculation is based on the performance of actively managed mutual funds and variable portfolios that are currently sub-advised by ING Investment Management Co. LLC. Performance may not be entirely attributable to the current sub-adviser. Based on cumulative total return of 97 ING Funds in their 10-year Morningstar category average for period ending September 30, With 56% (574 funds), 61% (490 funds) and 59% (401 funds) for their 1-, 3-, and 5-year periods ending September 30, 2013, respectively (source: Morningstar, Inc.). For additional disclosure, please refer to the back cover. 3 InvestmentNews, BD Data Center, Based on premiums in force as of October ING U.S. 2
4 Retirement Are you ready? [ ] With economic certainties growing less predictable all the time, Americans are shouldering more responsibility for retirement than ever before. 3
5 ING U.S. Retirement Solutions working with our plan sponsors, business partners and financial professionals helps millions of individuals gain control of their financial futures. Today s retirement is fundamentally different from that of past generations. Economic uncertainty requires individuals to take more personal responsibility for their future financial security. More than ever, Americans need a plan, and many need help in creating and maintaining it. Making a stand As a long-time advocate for retirement savers, ING U.S. has strong convictions about what a plan that helps lead to financial security should look like. We believe that everyone, regardless of wealth or income level, should have access to financial guidance and advice when needed; that good financial planning centers on a person s individual situation, takes all sources of income into consideration and lays out a well-defined action plan. Delivering solutions At work or at home in-person, on the Web, or over the phone our customers are offered a proven, consistent process. Our approach is designed to provide a workable, individualized plan with investment solutions for living with financial security in retirement. In the workplace, we partner with plan sponsors to provide comprehensive retirement- and income-planning education, guidance and advice to employees. Beyond the workplace, a dedicated team of ING U.S. financial professionals provides phone-based support. We also field a network of approximately 2,400 independent financial advisors at work across the country to help individual investors. Our investment solutions are structured to address the need for tax-advantaged savings, retirement-income and wealthprotection objectives. Connecting insight to innovation Through the ING Retirement Research Institute ( we are committed to gaining greater insight into the emotional and psychological factors that affect how people prepare for and make decisions about their financial futures. The Institute s goal is to turn research into action and develop solutions and tools that encourage more positive savings behaviors for investors. [ ING U.S. 1 is a top provider of retirement products and services with: More than $350 billion in AUA/AUM Nearly 48,000 institutional clients Approximately 5 million individual retirement plan investors More than 417,000 retail fixed annuity customers [ We also offer dynamic, comprehensive support to our business partners as they grow their practices and demonstrate value to their clients. 1 Statistics as of September 30, ING U.S. 4
6 Investments Setting the pace for the journey to the future. [ ] Investors have more choice than ever before, but also less clarity. 5
7 ING U.S. Investment Management is focused on earning the trust of our clients and partners through responsiveness, transparency and a fiduciary mindset that always looks to put their interests first. We are a reliable partner committed to reliable investing. We help guide investors through changing conditions with investment insights and comprehensive strategies to help them grow, protect and distribute their wealth. Our disciplined investment processes aim to maximize the probability of repeatable performance. Our intensive research finds unrecognized value ahead of consensus, while our disciplined portfolio construction ensures that risk exposures are diversified and adequately rewarded given prevailing market conditions. We focus on core capabilities where we can deliver strong, sustainable results for our clients: Equities Fixed Income Multi-Asset Strategies and Solutions Service every step along the way At ING U.S. Investment Management we never forget why we invest. Guided by our understanding of clients needs, we focus on delivering exceptional service and long-term results that exceed expectations. We offer investment services to a variety of institutional clients including public, corporate and union retirement plans; sub-advisory; outsourced chief investment officer (OCIO) service providers; endowments and foundations; and insurance companies. We are also accessible to individual investors via intermediary partners such as banks, broker/dealers and independent financial advisors. Our diverse set of products and services includes mutual funds, separate accounts, collective trusts, offshore funds, liability-driven investing and pension risk management services. 1 Walking the line between opportunity and risk With many years experience meeting diverse client needs, we are well positioned to deliver investment solutions that help clients grow, protect and distribute their assets. [ ING U.S. Investment Management has a long-term commitment to reliable investing: Over 40 years of history in asset management $201 billion of assets under management 2 $115 billion managed for external clients 2 $59 billion in defined contribution assets 2 Top 20 U.S. manager of institutional tax-exempt assets 3 [ 1 Investment products offered through ING Investments Distributor, LLC member FINRA. 2 As of September 30, 2013, ING U.S. Investment Management assets of $201 billion include proprietary insurance general account assets of approximately $86 billion calculated on a market value basis. ING U.S. Investment Management assets, as reported in ING U.S. SEC managed filings, include general account assets valued on a statutory book value basis and total approximately $196 billion. Both totals include $7 billion in Private Equity assets managed by Pomona Capital, approximately $7 billion in Real Estate and $1 billion in other assets. 3 Pensions & Investments Magazine, Money Manager Directory as of December 31, ING U.S. 6
8 Insurance Protecting the ones we love. [ ] Numerous studies indicate that millions of Americans are either uninsured or under-insured. 7
9 By year-end 2012, millions of Americans were covered by one or more employee benefits or owned a life insurance policy offered through the ING U.S. family of insurance companies. More than four out of 10 U.S. adults are not covered by life insurance, leaving some 95 million adults without an important financial safety net 1. Yet, almost eight of ten 2 of the respondents to an ING U.S.-sponsored study noted that life insurance is an important part of their overall financial and estate planning. ING U.S. Insurance helps individuals and families plan for their retirement readiness by protecting their financial futures with a wide array of employee benefits available through their employers and a host of individual life insurance solutions for individuals and businesses. Employee benefits Our employee benefits offerings include group life, disability and medical stop loss and voluntary products offered through benefits brokers and consultants to companies and organizations looking to provide their employees with top-notch benefits. Voluntary benefits include critical illness, hospital indemnity and accident insurance; universal life, whole life and disability insurance. ING U.S. holds a top-10 industry ranking in medical stop loss coverage (based on premium in force) and also recently introduced an innovative suite of true group-voluntary products. Individual life insurance Choices range from the pure protection of term insurance to a variety of cashvalue-universal (including indexed universal) and variable universal life offerings. These life insurance products help meet a broad range of needs from the accumulation of tax-advantaged supplemental income that can be used for retirement distributions to basic death benefit protection. High-end financial strategies such as estate planning, deferred compensation, buy-sell agreements and executive bonus plans often incorporate life insurance in their development. [ Each of the ING U.S. Insurance companies receives high marks for our ability to meet obligations to our policyholders: A.M. Best A Excellent (3rd highest of its 15 categories) Moody s A3 Good (7th highest of its 21 categories) S&P A- Strong (7th highest of its 20 categories) Fitch A- Strong (7th highest of its 19 categories) [ 1 LOMA Resource, August 2013, p Praxis Research, A.M. Best Company assigns ratings from A++ to F based on a company s financial strength and ability to meet obligations to contract holders. A (Excellent) is the 3rd highest of 15 ratings. Moody s Investor Service (Moody s) assigns ratings from Aaa to C based on a company s financial security. A3 (Good) is the 7th highest of 21 ratings. Standard & Poor s assigns ratings from AAA to CC based on a company s financial security. A- (Strong) is the 7th highest of 20 ratings. Independent rating services evaluate insurance company financial strength. Fitch assigns ratings from AAA to C based on company s financial strength. A- (Strong) is the 7th highest of 19 ratings. The ratings relate to an insurance company s ability to meet its claims and guarantees. The ratings do not apply to the safety or performance of any specific insurance product or any obligations of the variable investment option. The ratings are as of December 15, 2013 and are subject to change. ING Employee Benefits products are underwritten by ReliaStar Life Insurance Company, Minneapolis, MN. Some products may be underwritten by ReliaStar Life Insurance Company of New York, Woodbury, NY. ING Employee Benefits is a division of ReliaStar Life Insurance Company. Benefit provisions and product availability may vary by state. Individual life insurance products are issued by ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York and Security Life of Denver Insurance Company (Denver, CO). All are members of the ING U.S. family of companies. ING U.S. 8
10 Our vison is clear. To become America s Retirement Company TM [ ] Making a secure financial future possible, one person, one family, one institution at a time. 9
11 ING U.S. is committed to removing the mystery of the financial planning process and serving our customers with care and integrity. We are squarely positioned to deliver on this commitment, with proven expertise in retirement, investments and insurance. These competencies make it possible for us to serve the lifetime financial needs of Americans with comprehensive, personalized, actionable and lifelong financial solutions, delivered in collaboration with business partners, financial professionals and institutional clients. ING U.S. plans to rebrand in 2014 as Voya Financial TM. Voya, coined from the word voyage, reflects momentum and optimism, while bringing to mind a view towards the future. It also closely aligns with what we are known for and will continue to focus on proactively and optimistically guiding customers on their journey towards retirement readiness and empowering them to take control along the way. [ ] ING U.S. Your partner on the journey to greater financial security. Let s get started. Visit us today at ING U.S. 10
12 An investor should consider the investment objectives, risks, charges and expenses of the Fund(s) carefully before investing. For a free copy of the Funds prospectus, which contains this and other information, call your financial advisor, visit us at or call ING Funds at Becoming Voya Financial in ING North America Insurance Corporation CN ID# 8160
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