ING Life Insurance and Annuity

People have many reasons for taking out a life insurance policy. Primarily, life insurance protects family members from financial hardship after someone - often the major earner - dies. However, life insurance policies also serve as investment vehicles that can provide financial flexibility down the road. ING life insurance and annuities offers consumers both kinds of life insurance benefits.

Policy Types

Life insurance comes in two main forms, term and permanent, otherwise known as universal, both of which are available from ING. Term policies cover a finite period of time, typically suited for young families to offer coverage while children are young or until major obligations, such as mortgages, are paid. By design, universal policies offer ongoing coverage - not limited to a specific time frame - to dependents in the event that the insured passes away. At ING, these policies cover the insured until the time of death, as long as premium payment remains current.

Annuities are a somewhat different product. Their intent is to offer tax advantages or savings, as well as an income stream. Annuities may be taken at any age, and come in four forms: Fixed, Variable, Indexed, and Immediate. It is important to consult a financial advisor to discuss the ways in which insurance and annuities complement your current financial portfolio.

Who is ING

ING is a financial service brand known throughout the world. The company started with the 1991 merger of two Dutch companies and now employs over 130,000 people and serves more than 85 million clients in over 50 countries. ING offers a variety of services across all facets of money management: retirement plans, financial planning, annuities, life insurance, alternative investments, mutual funds, employee benefits, direct banking, managed accounts, institutional investment management, and reinsurance.

Ratings

ING is one of the top three providers of insurance in the United States, and consistently wins accolades for its ranking as one of the largest financial companies in the world by publications such as Forbes and BusinessWeek.

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