While the competition is placing clients in a Standard rate class,

you have the opportunity to place them in an ING Preferred Class

with our Top 10 Underwriting Guideline Advantages!

Top 10 Underwriting Guideline Advantages

Cholesterol

1  ING Life Companies do not exclude treatment for cholesterol from our Super

Preferred rate class

2  Total cholesterol and cholesterol ratio are tiered by age and relationship of total

cholesterol to the cholesterol ratio for all preferred rate classes.

Family History

3  Family history of cancer is not considered in either the applicant's parents or siblings in

any of our preferred rate classes.

4  Only family history of deaths from cardiovascular disease in our Super Preferred rate

class is considered.  Not occurrences like some competitors!

5  Family history of cardiovascular disease in siblings is not considered for any of our

preferred rate classes.

6  Family history preferred qualifications apply only if the proposed insured is 59 or

less.

Tobacco

7  Occasional cigar use is considered for non-tobacco rates if applicant smokes no more

than one cigar a week with a negative urine specimen.

8  Non-tobacco usage is considered for our Select rate class with 24 months of non

tobacco usage for our Standard rate class at 12 months of non tobacco usage

Private Pilots

9  Private pilots may qualify for Super Preferred or Preferred class rates plus a $0.48/M

flat extra, depending on their flying history and the product applied for.

APS Guidelines

10  Our APS guidelines for ages 18-60 do not include routine Age and Amount APS