Product Center - Annuity Advisors

May 21, 2013

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Product Center - Multi-Year Guarantee Annuities

Multi-Year Guarantee	Fixed Indexed	Traditional	Immediate

Company	ING-USA
Plan Name	Gtee Choice $75k
AM Best Rating	A
1st Year Rate	2.50% (1.50% under $75k)
Rate Thereafter	1.50% (1.50% under $75k)
Guarantee Period	10 years
Avg. Annual Yield	1.60% (1.50% under $75k)
Minimum Premium	$15,000.00
Flexible/Single Premium	Single
Minimum Additions	N/A
Max Issue Age	80 Qualified 80 Non-Qualified
Free Withdrawals	Interest-only year 1; 10% starting year 2
Surrender Schedule	9 %, 8 %, 7 %, 6 %, 5 %, 4 %, 3 %, 2 %, 1 %, 0 % %
Market Value Adjustment	Yes
Action at end of guarantee
Return of Principal Guarantee	No
Waiver Options
Annual Fees	N/A
States NOT approved	NY
Days held on Transfers	45
Interest Rate History on New Premiums	12/10/2008 - 4.70% 5/12/2010 - 4.50% 8/9/2010 - 4.00% 9/1/2010 - 3.75% 12/22/2010 - 4.00% 2/17/2011 - 4.60% 5/11/2011 - 4.10% 8/22/2011 - 3.90% 8/22/2011 - 3.25% 1/18/2012 - 3.00% 1/30/2013 - 2.50%

Commission*

3.25% (0 - 80)

*Commission may vary depending on payout option, premium amount, state, age, and type of policy.

Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals, issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or premium. All information is meant as a representation, not an advertisement or warrantee. Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales presentations. Each company/product may have state specific requirements where approved.

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