The document discusses several financial challenges facing Americans, including rising healthcare costs, increased longevity, challenges with Social Security and Medicare funding, and large federal budget deficits. It argues that individuals need to take a proactive approach to planning for retirement and protecting their savings, rather than relying only on "safe" low-yield investments or reacting to short-term concerns. Accumulating supplemental retirement income and choosing products that can help protect savings, such as life insurance or annuities, are presented as ways for individuals to better prepare for retirement and unexpected expenses.

1. Your future. Made easier.®
LIFE INSURANCE
We the people....
Charting a New CourseBOLD

2. T
HOSE THREE WORDS that begin the
Preamble to the nation’s Constitution set a
tone for an experiment in government that
has endured to this day. The words convey that we
are all in this together. Then and now….and as we
head to tomorrow.
We live in a nation that has grown, by most standards,
to be the most powerful and prosperous on earth, yet
still with its better days ahead. From great advances in
medical science and healthcare, to various social nets
that seek to provide some measure of relief for those
less fortunate, from a military that protects us abroad
to a domestic infrastructure of roads, highways,
bridges and tunnels that keeps us and our goods
moving every day, we are fortunate to live in the U.S.
Yes, we are reminded on a daily basis we can do
better. And we are aware that the success of this
country has not come without challenges. Inherent
in those are a series of financial challenges that one
could argue are the price of success. And with
good reason. Because advances in healthcare have
led to people living longer, which has put greater
strain on our social nets, which has put pressure on
the government’s ability to remain fiscally sound…
…Which ultimately affects your ability to plan for a
sound financial future for you and yours. Let us take
a look at some of the nation’s financial challenges –
some of the realities we face – and offer some initial
thoughts as to how you can better plan for a future
that includes a retirement you deserve.

3. The realities we
The Healthcare Challenge
Advances in medical research and technology have helped
to create one of the world’s most modern healthcare
systems. As the dialogue for how to pay for it all plays
across the front pages of our newspapers and over the
network airwaves, one thing is certain: as the chart notes,
we will pay more and more for our healthcare costs.
$0
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
$5,000 $10,000 $15,000 $20,000
$4,208
$11,759
$4,575
$5,026
$5,434
$5,875
$6,297
$6,724
$7,187
$7,682
$8,199
$8,659
$9,140
$9,648
$10,192
$10,755
$11,250
Yearly Health Care
Costs in Retirement
Retirement Health Care Expenses by Age
http://www.hvsfinancial.com/2011/02/calculate-your-health-care-costs-in-retirement
The Longevity Challenge
As a result of our medical advances, we are, as a nation, living
longer. And more power to us. So long as we remember that
with a longer life comes the responsibility to pay for it.
Are we really living longer? The attached chart proves
the point.
Will that continue? We surely hope so. Here is where we
stand at this point in history.
80%
70%
60%
50%
40%
30%
20%
10%
0%
50-54 55-59
Age
60-65
72%
67%
51%
Young Boomers Most Concerned About
Medical Costs in Retirement
Source: Health Care Expenses and Retirement Income: How Escalating Costs Impact Retirement Savings,” IRI
# of People
700,000
600,000
500,000
400,000
300,000
200,000
100,000
0
1950 2010 Projected
in 2050
2,300
80,000
600,000
people
Chance of living to age 100 has gone up dramatically.
What are the chances you can afford to live to 100?
Source: U.S. Census Bureau. February 2012
More people are living to 100 Christian Mortensen (1882-1998, 115 years, 252 days): the oldest man.
Jeanne Calment (1875–1997, 122 years, 164 days): the oldest woman.
Citation: Disabled World News - Information on life span including health physical and diet factors
that may increase human life expectancy in the future:
http://www.disabled-world.com/fitness/longevity/#ixzz2HgWCpuxR
Bronze Age and Iron Age
Classical Rome
Medieval Britain
Early 20th Century
2010 World Average
2012 US Average
26
28
30
31
67
78
Life Expectancy Changes

4. face.
For agent/registered representative use only. Not for public distribution.
The Social Security Challenge
If we are living longer it stands to reason we are spending
more on Social Security, our most powerful national social
net. This is not the forum for a discussion on what to do
about Social Security. But it is simply a fact that the Social
Security we know needs some fixes to remain solvent long
into the future.
A chief reason for the challenge is there will be fewer
payers into the system down the road.
The Federal Budget Challenge
And so we are left with our ballooning federal budget and
record deficits. Over time, decisions are made about the
budget that ultimately affect your life today and
tomorrow. Do we need to raise or lower taxes? How do
we best provide for the safety of our citizens? What about
our social nets? The answers to these questions are, of
course, outside the scope of this piece…outside the scope
of planning for your financial future.
What is in your scope? What can you control? Read on.
$100
$50
$0
-$50
-$100
-$150
-$200
-$250
-$300
-$350
1987 1990 1995 2000 2005
2010 2015 2020 2025 2030 2035
Billions of Dollars (2011)
Surplus
Deficit
2010: $48.9 billion deficit
2035: $344 billion deficit18 3638 heritage.org
35%
30%
25%
20%
15%
10%
5%
0%
PercentageofGDP
2012 2025 2030 2035 203720202015
Entitlements and Interest Driving Future Spending Surge
2025: 18.5%
Tax Revenue, Historical
Average (1959-2008): 18.1%
23.4%
35.7%
Medicare
Medicaid,
CHIP, Obamacare
Social Security
Net Interest
All Other
Source: Congressional Budget Office, 2012 Long-Term
Budget Outlook, Alternative Fiscal Scenario, June 5, 2012,
http://www.cbo.gov/publication/43288 (accessed June 5, 2012).
Federal Spending by the Numbers 2012 heritage.org
$300
$0
-$300
-$600
-$900
-$1,200
-1,500
1987
The Federal Budget Is Recording Chronic Deficits
1980 1990 2010 2020 2030
2000
Sources: Office of Management and Budget, Budget of the U.S. Government, FY 2013: Historical Tables,
Table 1.1, February 2012, http://www.whitehouse.gov/omb/budget/Historicals (accessedAugust 8, 2012), and
Congressional Budget Office, An update to the Budget and Economic Outlook: Fiscal Years 2012 to
2022, Alternative Fiscal Scenario, August 22, 2012, http://www.cbo.gov/publication/43543
(accessedAugust 23, 2012). Federal Spending by the Numbers 2012 heritage.org
In Billions of Inflation-Adjusted Dollars (2012) 2000: $307 billion
2022:
-$1.14 trillion
2009: -$1.48 trillion
2010: -$1.34 trillion
2011: -$1.32 trillion
2012: -$1.13 trillion
6
5
4
3
2
1
0
1960 1970 1980 1990 2000 2010 2020 2030 2040 2050 2060 2070 2080
4.9
3.6
3.1
3.3 3.3
2.8
2.4
1.9 1.9 1.9 1.8 1.8 1.7
The number of workers for each Social Security
beneficiary fell from 4.9 in 1960 to 2.8 in 2010
(Congressional Budget Office)
CBO projects that by 2035
there will be 1.9 workers for
each Social Security beneficiary

5. The Challenge to the Challenges
Faced with these challenges, millions of Americans the past few years have followed this financial strategy: “duck and cover.”
That works well inside a boxing ring. Not so much when planning for a future that starts with a retirement you deserve.
Others call the strategy “going broke safely,” which loosely translated means keeping a significant portion of your
retirement money in “safe” investments such as certificates of deposit and money market funds. While they are “safe”
from market forces their value will erode over time against the hidden forces of taxes and inflation. As of 12/21/12 the
aggregate rate on a one-year CD stood at 0.71%.*
*Bankrate.com
That is a long road to retirement. You need to avoid:
n Short-term decisions that lead to long-term financial mediocrity.
n Retirement that leaves you wanting for more while living on less.
n Planning that accounts for the expected while ignoring the potential for the unexpected.
Accumulate and Protect
By year-end 2011, millions of individuals owned a life insurance policy or annuity product or were covered
by one or more employee benefits offered through one of the ING U.S. family of companies.
The ING Life Companies have some thoughts on how you can better plan for that retirement you deserve
while knowing that the unexpected too often rears its ugly head. Review the ideas with your financial
professional. Ask good questions. Learn as much as you can. Then you will be better equipped to manage
the financial realities we all face and the financial challenges we all need to overcome.
Better equipped with the potential to build supplemental retirement income and having the means to protect it.
It’s time for you to chart that bold new course.

6. Not Insured ByAny Federal GovernmentAgencyNot FDIC/NCUA Insured Not Bank GuaranteedNotA Deposit OfA Bank May LoseValue
166193 05/24/2013
Life insurance products issued by ReliaStar Life Insurance Company (Minneapolis,MN),ReliaStar Life Insurance Company of NewYork (Woodbury,NY) and Security Life of Denver Insurance Company
(Denver,CO)Within the state of NewYork,only ReliaStar Life Insurance Company of NewYork is admitted and its products issued.All are members of the ING U.S.family of companies.
©2013 ING North America Insurance Corporation CN1224-6728-1214
About ING U.S.
ING U.S. (NYSE: VOYA), which plans to rebrand in the future as Voya Financial, serves the financial needs of
approximately 13 million individual and institutional customers with a comprehensive array of retirement,
investment and insurance products and services, including retirement plans, IRA rollovers and transfers, stable
value, institutional investment management, mutual funds, alternative investments, life insurance, employee
benefits, fixed and indexed annuities and financial planning. Our dedicated workforce of more than 7,000
employees is focused on ING U.S.’s mission to guide Americans on their journey to greater retirement readiness
and to make a secure financial future possible — one person, one family and one institution at a time. ING U.S.’s
vision is to be America’s Retirement CompanyTM
.
For more information, visit http://ing.us.