ING Life Insurance - Trusted American Insurance Companies
Based in Amsterdam, ING Group is and international family of companies that specialized in financial services. The ING Group is ranked by Fortune Magazine as eighth in the global 500 category. The ING Group employs approximately 10, 000 people in the United States and serves over 29 million customers. Ing Life Insurance provides life insurance products from three companies: Security Life of Denver Insurance Company, ReliaStar Life Insurance Company, and ReliaStar Life Insurance Company of New York. Security Life of Denver was established in 1928 and acquired by ING in 1977. ReliaStar (originally Northwestern National Life Insurance Company) was founded in 1885 and was acquired by ING in 2000.
All three life insurance providing companies with ING have the same excellent ratings with the primary insurance industry rating agencies. Ing Life Insurance companies earned an A from A.M. Best, A- from Fitch, A2 from Moody's, and A+ from Standard and Poor's. These are ratings designed to assess financial strength or the ability to pay out claims now and in the future. They are based upon analysis of company history, management, cash flow, investments, capital, surplus, and more. These specific organizations routinely rate companies in the life-health insurance field. ING has also won a Green Power Leadership award from the Environmental Protection Agency (EPA).
The ING group provides financial products in all areas and stages of life. In the area of life insurance, they offer Ing Life Insurance in term life insurance, universal life insurance, and variable universal life insurance. Term life insurance is an inexpensive policy that is for a limited amount of time (up to 30 years). This is usually used to replace income during mortgage or high debt years by young families or individuals. Some of the ING term life insurance products are convertible to universal life at the close of the term.
Universal life insurance is flexible, permanent insurance that builds cash value. These policies are flexible because, within certain minimums and maximums, the consumer can choose when and how much to pay for the premium and because the consumer can change the amount of the death benefit as life circumstances change. Variable Universal Life insurance is a flexible, permanent insurance product like universal life that builds cash value. However, the variable term is added because the policyholder can choose an investment vehicle to help the cash value grow quicker. These policies have an element of risk because the consumer also assumes the risk of the investment, meaning the policy can lose cash value as well.
Mark Prip recommends checking out this unique site on ING Life Insurance for more information.
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WHich of these companies should I start a 403 b in ?
I trying to decided which of these companies would be the best choice for starting a 403 B in and why? Here is the list you help is greatly needed.
Acacia Life Insurance Company
AIG Annuity Insurance Company
AIG VALIC
American Century Investments
American Fidelity Assurance Company
"American Funds Distributors, Inc. (AFD)"
American United Life (AUL)
Americo Financial Life & Annuity Insurance Cmpy
Ameriprise Financial Inc.
Ameritas Life Insurance Company
Annuity Investors Life Insurance Company
"AXA Advisors, LLC"
AXA Equitable Life Insurance Company
CalSTRS
Cambridge Investment Research
Conseco Insurance Company
Fidelity Investments Institutional Services Com.
First Investors Corporation (TDS Umbrella)
First Investors General Authorization Form
Franklin Templeton Investments
"FTJ FundChoice, LLC"
"Great American Advisors, Inc., Member NASD"
Great American Life Insurance Company
Great Southern Life Insurance Company
"GWN Securities, Inc"
Horace Mann Companies
"Industrial-Alliance Pacific Life Ins Co, US Branch"
ING Life Insurance & Annuity Company
ING-ReliaStar Life Insurance Company
Jackson National Life Ins. Co.
"Legend Group, Inc., The"
Life Investors Company
Life Insurance Company of the Southwest
"Lincoln Nat'l Life Ins Co (Lincoln Fin Grp), The"
MetLife Insurance Company of Connecticut
Metropolitan Life Insurance
Midland National
Modern Woodmen of America
National Health Insurance Co (NHIC)
New York Life Ins. & Annuity Corp.
North American Company for Life and Health
"Oppenheimer Funds Distributor, Inc"
Pacific Life Insurance Company
PFS Investments Inc
PlanMember Services Corp
Principal Mutual Funds
Putnam Investments
RSG Securities
Security Benefit Group
State Farm
Symetra Life Insurance Company
Thrivent Financial for Lutherans
Thrivent Investment Management Inc.
Transamerica Financial Life Insurance Company
"Transamerica Fund Services, Inc."
United Teacher Associates Insurance Company
USAA Investment Management Company
USAA Life Insurance Company
Vanguard ISA
Vanguard Plan Authorization
"Veritrust® Financial, L.L.C."
"Waddell & Reed, Inc"
Washington National Insurance Company
Western Reserve Life Assurance Co. of Ohio
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What vendor should I use for my wife's 403b?
She is in her 3rd year of teaching, and has put off for too long setting up her 403b. I am currently trying to set it up for her, but am not sure what vendor to use. For me, I have a 401k which i have through Fidelity and Standard Investments, both of which are not options through her district. Any advice on which of the following companies would be best to go with, I would appreciate it. It also has the option to go with multiple vendors, but not sure why or if i should do that. Thank you so much. Here is the list:
-Oppenheimer Funds
-ING Life Insurance & Annuity
-The Variable Annuity Life Insurance Company
-Horace Mann Companies
-Galic Disbursing Company
-Ameriprise Financial Services Inc.
-Metropolitan Life Insurance Company
-The Legend Group - ADSERV
-Lincoln Investment Planning Inc.
-First Investors Corporation
-Commonwealth Annuity and Life Insurance Company, for itself, Protective Life & Kemper Investors Life
-Thrivent Financial for Lutherans
-Waddell & Reed Financial Services
-AXA Equitable
-Security Benefit Group of Companies
-Securities America
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Which is the best 403b mutual fund to invest in?
Of these....
Enter a percent (%) of 100 to indicate which provider(s) your contribution will be directed:
Investment ProviderCurrent %New %
Americo/Great Southern Life0%
Ameriprise Financial Services, Inc0%
Axa Equitable Life Insurance Company0%
CalStrs(Annuity)0%
CalStrs(Mutual Fund)0%
GALIC/United Teachers/National Health0%
Horace Mann Life Insurance Co0%
ING Life Insurance and Annuity Co0%
ING Reliastar/Northern Life Insurance Co0%
Industrial Alliance Pacific0%
John Alden Life Insurance0%
Life Insurance of the Southwest0%
Lincoln Financial0%
Massachusetts Mutual Life0%
Metropolitan Life Insurance Company0%
Midland National Life Insurance0%
North American Co for Life & Health Ins0%
Oppenheimer Funds Services0%
Paul Revere Insurance Group0%
Plan Member Services0%
Security Benefit Ins Co0%
The Legend Group0%
Tiaa-Cref0%
USAA Insurance Company(Annuity)0%
USAA Investment Management(Mutual Fund)0%
VALIC0%
Western National Life0%
TOTAL0%0%
The above are mutual funds offered through my employer, and so contributing to the above would reduce my taxable income.
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