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    • VOYA Insurance and Annuity Company (ING)


    Guarantee Choice 5

       (RETIRED)

    A MYGA with a -year fixed rate and a 9-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Fitch:  A   Moody's:  A2   Standard & Poor's:  A  

    Rates
    Surrender charges last 9 years
    		 Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @companyName@'s @annuityname@ i --[ subscription required to view full text ]--
    *** @***********@'* @***********@ ** * ****** ******* ******** ******* ******** * @*******************@-**** **** ********* **** * @*******@-**** ********* ****** ****** *** ****** ***** ********** *********.

    **** **********
    @*****************@

    ******* ********
    *** ** **** ********* *** *** ** * ********* ******, *** *** ***** ** ***** *** *** **** ********* ****** ** *** *** ***** ********* ****** **** ** ********* ** *** **** ** *******. ** ** ******** ** ****, *** ******* **** ************* ***** **** ******* *** *** **** ********* ******. ** ** ***** **** *** ******** **** ** **** **** @****@%, *** *********** ********** ******* ******** ****.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    MVA Explanation
    Not available in MN OR WA

    Market Value Adjustment Formula
    Market Value Adjustment = [(1 + a)n/(1 + b)n --[ subscription required to view full text ]--
    ****** ***** ********** *******
    ****** ***** ********** = [(* + *)*/(* + *)* -*]

    * = ***** ****, ********** ** *** ********* ** *** ******* ********** ******, (***** ** *** ******** ******** ******** ****** ********* ** *** ******* *******) *** * ******** **** **** ** ******** ***** ** *** ******* ********** ****** (*.*., *.**)

    * = ***** **** ********** ** *** **** ** ********* ** **********, (***** ** *** ******** ******** ******** ****** ********* ** *** ******* *******) *** * ******** **** **** ** ******** ***** ** *** ******* ********* ******.

    * = ****** ** ******** ****** **** *** **** ** ********* ** ********** ** *** *** ** *** ******* ********** ****** ******* ** ****** (*.*., ** ****** ******* ** ** = *)

    ** *** ***** ******* ***** * *% ******** ** *** ***** ****, *** *** ** ********** ** *******:

    ****** ***** ********** = [(* + *.** )* / ( * + *.** )* -*] = *.****
    ***** *** *** *** **** ****, * ********* ****** ** *******. ** *** *******, ** *** ********* ***** ***** ** *** ***** *** ** *** ****** ******** ****, *** ******* **** ****** *% (*, *, *, *, *, *%) ** *** ************ *****:

    ** *** *-**** ******** ***** ******* **** *% **:
    *.*% *.*%
    ************ ***** ****** *** $***,***$***,***
    ****** ***** ********** + *,***- *,***
    ************ ***** **** *** ***,******,***
    ********* ****** (*%) - *,***- *,***
    **** ********* *****$***,***$***,***

    Commissions
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    Guarantee Choice 5
    (All approved states)
    		 All permitted ages  
    Initial Premium: ****

    Option B

    Guarantee Choice 5
    (All approved states)
    		 Up to age 80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    GENERAL PROVISIONS AFFECTING COMMISSIONS:
    1. Payment of commission is subject to the provisions of the Agent’s/Broker’s Contract and the rules of the Companies as amended from time to time.
    2. Unless otherwise identified, commissions are payable on each contract on which premium has been applied, issued and is in force.
    3. Commission reduction may apply to special interest rate offerings.
    4. For trail commissions percentage noted is an annual percentage paid q --[ subscription required to view full text ]--
    ******* ********** ********* ***********:
    *. ******* ** ********** ** ******* ** *** ********** ** *** *****’*/******’* ******** *** *** ***** ** *** ********* ** ******* **** **** ** ****.
    *. ****** ********* **********, *********** *** ******* ** **** ******** ** ***** ******* *** **** *******, ****** *** ** ** *****.
    *. ********** ********* *** ***** ** ******* ******** **** *********.
    *. *** ***** *********** ********** ***** ** ** ****** ********** **** *********. ****** *** **** ** *** ************ ***** ** *** ******** ********* ** *** **** *****. *** ************ ******** ** ** ***** **/**/**, ****** **** ** **** ** *** ***** ** ****** ** *** **** ** *** *****. *** ******* *** ****** *** ********** ***** ******* ** ****** *** ********* ******* ***** ** *** *****.
    *. *********** **** ******* ** * ******** ****** **** ** *********** ******** ** ** ***** **/**/** ***** ** **** ** *** **** *** ** **** ** *** *** ***** ** ****** ** **** ********. *********** *** ****** **** **** ** *** *******.
    *. *** *** *** ******* *********** ** *** ******* ** * ******** ************ **** *** *** ********** ********** ********.
    ******* ***** ***** *** ** ******** ** *** **** ************ **** ** ****** ** * ***-*****.

    ********** *********:
    *. *********** ***** **** ** ******* ** *** ****** ** *** *********** ****/******** ** ******/******* ********* ** ***.
    *. ******** *********** *** ********* ******* ** **** ******** ***** *** **** ******, ***** ** ** *****, *** ** ***** ******* *** **** *******. ** ******* ******, ******** *********** *** *** ******* ****** *** *** ********** *** ********* **** *** *******. *** * **** ** ***** ******, ****** ** ** *** *** *********** *******, ***.************.***.
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    ********** ***********:
    *. **, ****** *** ** *** ******** ****, *** ***** ********** *** ******* ********, ** ***** * ******* **********, *********** **** ** ******** ****** **** ** *** ******** **** **** ** ******* **** *** *** ******** ***** *****.
    *. ** *** ***** ********** *** ******* ******** ****** *** ***** ******** **** (**** ********), *********** ** *** ******** **** ****** *** ***** ******** **** **** ** ******* **** *** *** ******** ***** *****.
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      ********* **** ****** ** ******* ***** ("***") ****.
    ******** ****** ********** ******** ****** **********
    * - * ***% * - ** ***%
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    **+ *% **+ *%


    *. *** *** ****** ***** ************* **** *** *** ****** ***** ******* ***** **** ** * **% ********** ** *** ***** ********** ** *** ***** ** *** *****'* ***** ** *** ***** ******** ****. *** *** ***** ********, ** ********** ********** ** *** ***** **** * ***** ******* ** ******* ****** *** ***** ******** ****.
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    *. *********** **** ***** ** *** ***** *** ********* *** ******** *** ***********.

    ********** **** *********:
    ** ******** ** ***** ****** ***** ******* ******** ******** ** *** *****, ******** ******** *** **** ******** **** *** ******* ******* *** * ******** ********* * ********** ******* **** $**,***. *** ******* ** *** ********** ******* ** * ******** **** ******* $**,*** **** ** ******** ****** (**) **** ***** *** *** ****** ************** ****** ******** *** ****** ******** *******.

    ******** ***********:
    ** ******* *** ***** ** ****** ** *** *** *********** ** ******** *********, ********* ** *** ********** ******* ************.


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