| ING USA |
|
Guarantee Choice 7 |
| A |
| 7 Year(s) |
| $75K+ |
$15K+ |
|
|
| 2.75% |
1.75% |
|
|
| 1.75% |
1.75% |
|
|
| 1.89% |
1.75% |
|
|
| 1.00% |
N/A |
|
|
| 1% bonus is added in the first year for premium $75K plus. |
| 45 Days from date transfer paperwork sent out from ING. For transfers only, does not apply to cash with app |
| |
| $15,000 |
| Single |
| N/A |
| N/A |
| 1.50% |
| 80 Qualified & Non-Q |
| 7 years
9,8,7,6,5,4,3% W 2,1,0% |
There is a 30 day window after the initial guarantee period, during which the client may renew for the same or different periods at the then current rate or withdraw their funds with no surrender charges. If the contract is renewed, the surrender charges will continue, but will not reset.
Owner Driven. The greater of the Accumulation Value and the Minimum Guaranteed Contract Value is payable to the primary beneficiary as a lump sum or paid out under a payment option upon death of the Owner. Surrender charge and MVA is waived. |
| Yes |
| Yes |
| After 30 days, owner may withdraw interest earned (and not previously withdrawn in the prior 12 months) without an MVA or surrender charge. After 1st contract year, 10% of accumulation value can be withdrawn. State variations may apply. |
| No |
| Surrender charges will be waived if the owner is confined to a qualified nursing home for at least 45 days during any continuous 60 day period. Not available in MA or PA. |
| If diagnosed with a terminal illness (life expectancy of 12 months or less) anytime on or after the first contract anniversary. Not available in MA or PA. |
| N/A |
| No: Annuitization will be based on cash surrender value prior to 9th contract anniversary. Minimum annuitization is 10 years. |
| There is a 30 day window after the initial guarantee period, during which the client may renew for the same or different periods at the then current rate or withdraw their funds with no surrender charges. If the contract is renewed, the surrender charges will continue thru year 9, but will not reset. The surrender charges are 4,3,2,1% for years 6 thru 9. At the end of the 9 years no new surrender charges will be added |
| |
2.50%
1.50%
0.25%
|
A0 - 80
B 1stYr
B Trail
|
|
Trail Commission Options:
Option A: 2.50% upfront and no annual trail
Option B: 1.50% upfront and .25% annual trail
|
| Not Available in NY |
| ING USA has Incentive Promotions to View |
| Click Here |
| Click Here |
| Guarantee Choice 7 Client Sales Literature |
Guarantee Choice 7 Agent Sales Literature |
Click Here  |
|
| Click Here |
Click Here  |
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