This page is provided to show you the amount of detailed information we provide to our subscribers, the content has been masked.  To see full details, please register.
  • See unprotected sample products
  • More products from this carrier and other related links


    • VOYA Insurance and Annuity Company (ING)


    ING Envoy Three Fixed Index Annuity

       (RETIRED)

    A Fixed Indexed Annuity with 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

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

    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 DE HI MN MO MT VT WA

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

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

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

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

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

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

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

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

    Potion A

    ING Envoy Three Fixed Index Annuity
    (All approved states)
    		 All permitted ages Year 1 Year 2 Year 3 Year 4 Year 5
    Initial Premium: **** **** **** **** ****
    Renewal Premiums: **** **** **** **** ****
    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 ]--
    ******* ********** ********* ***********:
    *. ******* ** ********** ** ******* ** *** ********** ** *** *****’*/******’* ******** *** *** ***** ** *** ********* ** ******* **** **** ** ****.
    *. ****** ********* **********, *********** *** ******* ** **** ******** ** ***** ******* *** **** *******, ****** *** ** ** *****.
    *. ********** ********* *** ***** ** ******* ******** **** *********.
    *. *** ***** *********** ********** ***** ** ** ****** ********** **** *********. ****** *** **** ** *** ************ ***** ** *** ******** ********* ** *** **** *****. *** ************ ******** ** ** ***** **/**/**, ****** **** ** **** ** *** ***** ** ****** ** *** **** ** *** *****. *** ******* *** ****** *** ********** ***** ******* ** ****** *** ********* ******* ***** ** *** *****.
    *. *********** **** ******* ** * ******** ****** **** ** *********** ******** ** ** ***** **/**/** ***** ** **** ** *** **** *** ** **** ** *** *** ***** ** ****** ** **** ********. *********** *** ****** **** **** ** *** *******.
    *. *** *** *** ******* *********** ** *** ******* ** * ******** ************ **** *** *** ********** ********** ********.
    ******* ***** ***** *** ** ******** ** *** **** ************ **** ** ****** ** * ***-*****.

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

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

    ********** ******** *** ********** *** ******* ***********
    ********* **** ****** ** ******* ***** ("***") ****.
    ******** ****** ********** ******** ****** **********
    * - * ***% * - ** ***%
    * - ** **% ** - ** **%
    **+ *% **+ *%


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

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

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


    Related Information

    Available Subscriptions

    This information is available with any of these subscriptions:

    Single-User Edition

    An affordable, full access subscription, for the individual broker

    Carrier Edition

    Multiple users with administrative control over the products, features and content displayed

    Web Edition

    Put our product grids, detail and tools on your website instantly!

    Additional Information

    See what else we offer:

    Upcoming Rate Changes

    We track rate changes and can notify you before they take effect!

    Annuity Illustrations

    The illustration system carriers prefer

    Rider Comparisons

    Compare multiple income riders, side-by-side

    Product Videos

    Access the Brainshark training videos right from our product lists


    2071