Ing secure index opportunities plus

Your investment elections are used only for purposes of determining your ultimate account balance in the Plan at the time you are eligible to receive a benefit payment. Trails are paid on the accumulation value of the contract beginning in the 15th month. Not for use with the More information. Subject to state approval. Neither the company nor its agents or representatives can provide tax, legal or accounting advice. In those states we may defer collection of the premium taxes from your accumulation value and deduct it when you surrender the contract or on the income phase start date.

Paycheck, salary, livelihood More information. Made easier. In return More information. With the ING IncomeProtector Withdrawal Benefit, your clients can start or stop taking withdrawals at any time until the contract is annuitized. Over time, and under certain circumstances, the amount of the bonus may be more than offset by the lower crediting rate.

Below is a table that will help determine the Maximum Annual Withdrawal as a percentage of the guaranteed withdrawal base your client can take from the accumulation value each year. Just the facts about the New York Life Past performance is no guarantee of future results. In today s financial world, some More information. And now because we re living longer, healthier. Business Finance Marketing.

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Retain Control of Your Money. As you enter retirement, More information. For a list of these states, please go to the ING distributor website, www. The surrender charge is a percentage of the excess amount surrendered associated with the premium after the application of any market value adjustment. A bonus recapture will be applied to the bonus and associated index credits for surrenders and partial withdrawals in excess of the free amount during the surrender charge period. It is not possible to invest directly in such an index.
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Unless otherwise identified, commissions are payable on each contract on which premium has been applied, issued and is in force. As you enter retirement,. As a result of inflation, the illustrated values have more purchasing power today than in the future. Any and all amounts contributed by the Company to a deferred compensation plan are not considered commission payments. Oh, the possibilities. In certain states, override commissions are not payable unless you are contracted and appointed with the company.
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In those states where it is available, certain provisions may vary or may not be available. If the accumulation value is higher than the guaranteed withdrawal base at the contract anniversary, the guaranteed withdrawal base will be automatically reset to the higher value. We are always happy to assist you. The amount of the MVA applied positive or negative is dependent on whether the interest rates in the market at the time of the surrender or withdrawal are higher or lower than when the applicable purchase payment was applied to your annuity contract. For index strategies during a contract year, the accumulation value associated with a given premium payment is equal to the accumulation value on the previous anniversary, less any withdrawals. If you qualify and enroll in the Plan for 6 consecutive years, in year 7, ING USA will make an additional contribution of 1 percent of your eligible earnings for the first 6 years of Plan participation. A prudent plan shouldn.
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In those states we may defer collection of the premium taxes from your accumulation value and deduct it when you surrender the contract or on the income phase start date. What if you don t qualify one year? Such surrender must be made within 90 days of the last day of the qualifying period of confinement. Your investment elections are used only for purposes of determining your ultimate account balance in the Plan at the time you are eligible to receive a benefit payment. Where will retirement take you? Tax laws change frequently. Strategy accumulation value is based on premiums paid plus any bonus available, elections to the strategies plus any interest credited on fixed rate strategies and index credits on index strategies, less any withdrawals and elections from the strategies.
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The surrender value will not be less than the minimum guaranteed contract value. Purchasing the optional Death Benefit. Annuity contracts are products of the insurance industry and are not guaranteed by More information. It is declared by the company in advance, is guaranteed for one year and may change annually. The MAW percentage is based on your client s attained age or the youngest spouse s attained age for the joint rider at the time of the first withdrawal under the rider.
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