ING Fixed Design

ING USA Annuity & Life Insurance Company

PO Box 617, Des Moines, IA 50303-0617

Ratings: A Excellent (A.M. Best) 3^rd highest of 15

A+ Strong (S&P) 5^th highest of 15

A1 Good (Moody’s) 5^th highest of 21

AA- Very Strong (Fitch) 4^th highest of 19

Rates effective May 11, 2011

Plan Name	Current and Guaranteed Rates	Free Withdrawal	Surrender Charges		Issue Ages	State Availability
Secure Index Five, Seven & Opportunities Plus Annuity Contract value based on performance of S&P 500® Index 5 & 7 Yr. Flexible 10 Yr. SPDA $15,000 Min. Prem. $50 additions to the 5 & 7 year plans	5 Year Annual Reset NO ROP Option $15K Band $75K Band Pt.-to-Pt. Cap 3.00% 4.25% Mo. Cap 1.25% 1.70% Mo. Avg. Spread 7.50% 5.75% Fixed Rate 1.65% 1.65% 5 Year Annual Reset WITH ROP Option $15K Band $75K Band Pt.-to-Pt. Cap 2.50% 3.75% Mo. Cap 1.15% 1.60% Mo. Avg. Spread 8.00% 6.25% Fixed Rate 1.50% 1.50% 7 Year Annual Reset Option $15K Band $75K Band Pt.-to-Pt. Cap 4.75% 6.00% Mo. Cap 1.75% 2.15% Mo. Avg. Spread 4.75% 3.50% Fixed Rate 2.50% 2.50% Opportunities Plus 10 Year Annual Reset 5.00% 1^st Year Bonus – subject to recapture schedule Option $15K Band $75K Band Pt.-to-Pt. Cap 3.50% 4.50% Mo. Cap 1.35% 1.80% Mo. Avg. Spread 6.75% 5.00% Fixed Rate 1.70% 1.70% Income Protection Withdrawal Benefit Rider 6% rollup at a cost of .65%	10% of accumulated value after the first policy year Annuitization available: For 5 year plans is 1x10; For 7 & 10 year plans 5X10 cash surrender value paid if annuitized before maturity	5 Year – No MVA 8%,7.5,6.5,5.5,4.5,0 ROP available with 5 Yr. 7 Year – No MVA 10%,10,10,10,9,8,7,0 In HI, IL, IN,MD,MA, MT,NV, & VT 10 Year - +/- MVA 16%,15,14,13,12,11, 10,8,6,4,0 10 Year +/- MVA 10%,10,10,10,9,8, 7,6,5,4,0 Income Protection Withdrawal Benefit Available – contact our office for state approvals Nursing Home waiver available in most states after 45 days Terminal Illness waiver available in most states with life Expectancy of less than 12 months. Death Benefit Owner driven = greater of accumulation value or the minimum guaranteed value.		0-80 0-75 Opportunities Plus in IN, IA,MS	5 Yr. NOT approved in NY,OR 7 Yr. NOT Approved in NY,OR 10 Yr. NOT approved in AK,CT,DE, MN,NJ, NY,OR, WA
Guarantee Choice Annuity SPDA $15,000 Minimum Premium	DEPOSITS OVER $75,000 Term 1^st Yr. Yrs. 2-X Yield 5 Yr. Not currently available 7 Yr. 3.10% 2.10% 2.24% 10 Yr. 4.10% 3.10% 3.20% DEPOSITS $15,000 to $74,999 Term 1^st Yr. Yrs 2-X Yield 5 Yr. Not currently available 7 Yr. 2.10% 2.10% 2.10% 10 Yr. 3.10% 3.10% 3.10%	10% of Accum. Value after 1^st year Systematic Withdrawal Available after 30 days All or part available during 30 day window after guarantee period. Cash surrender value paid if plan annuitized prior to maturity	All +/- MVA 10 Yr. 9%,8,7,6,5,4,3,2,1,0 7 Yr. 9%,8,7,6,5,4,3,0 5 Yr. 9%,8,7,6,5,0 3 Yr. 9%,8,7,0 Surrender charge is waived for 30 days following the end of an interest rate guarantee period, Terminal Illness waiver available in most states with life expectancy of less than 12 months. Death Benefit Owner driven = greater of accumulation value or minimum guarantee value		0 – 80	Product NOT approved in NY
Envoy Index Annuity Contract value based on performance of 70% of the S&P 500® Index & 30% of the Dow Jones EURO STOXX 50® Flexible $15,000 Min. Prem. $5,000 additions	6 Yr. Option $15K Band $75K Band Pt.-to-Pt. Cap 2.50% 3.50% Fixed Rate 1.80% 1.80% 9 Yr. Option $15K Band $75K Band Pt.-to-Pt. Cap 4.00% 5.50% Fixed Rate 2.60% 2.60% Income Protection Withdrawal Benefit Rider Available	10% of accumulated value Annuitization available after the 1^st contract year for the 3 year Envoy		30 day windows at the end of the 6^th contract years for 6 Yr, Option 9 Years – +/- MVA 9%,9,9,9,8,7,6,5,4,0 Nursing Home waiver available in most states after 45 days Terminal Illness waiver available in most states with life Expectancy of less than 12 months Death Benefit = Greater of Accum. Value or min. guar. contract value	0-80	Product available in All Except NY
Secure Index Outlook SPDA Contract value based on performance of S&P 500® Index $15,000 Min. Prem.	ONLY Available in very few states please see State Approvals 10 Year Annual Reset 3.00% 1^st Year Bonus Option $15K Band $75K Band Pt.-to-Pt. Cap 3.50% 4.50% Mo. Cap 1.35% 1.80% Mo. Avg. Spread 6.75% 5.00% Fixed Rate 1.70% 1.70% Income Protection Withdrawal Benefit Rider Available	10% of Accumulated Value Annuitization available after year 1, the greater of the cash surrender value or minimum guaranteed contract value will be used		10 Year - +/- MVA 10%,9,8,7,6,5, 4,3,2,1,0 Terminal Illness and Nursing Home waiver available in most states after 45 days (Not in PA) Death Benefit Owner driven = greater of accumulation value or minimum guarantee value	0-80	ONLY AVAILABLE in AK,CT,DE, MN,NJ,PA UT & WA

“S&P500®” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by the company shown above.

The Products are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard and Poor’s makes no

representation regarding the advisability of purchasing the Products

Note: Index does not reflect dividends paid on underlying stocks.

“Dow Jones Euro STOXX 50®” is the intellectual property of (including registered trademarks) of STOXX Limited, Zurich, Switzerland
and/or Dow Jones & Company, Inc. a Delaware corporation, New York, USA, (the Licensors), which is used under license. 
The index strategies of the annuity contract based on the Dow Jones EURO STOXX 50® are in no way sponsored, endorsed, 
sold or promoted by the Licensors and neither of the Licensors shall have any liability with respect thereto.

Please call us to confirm provisions and product approval in your state. 
Interest Rates are Subject to change.
 
Withdrawals may be subject to federal income tax, and a 10% IRS penalty tax prior to age 59 ½. 
IRS/Qualified plans are already tax deferred. Consider other annuity features. 
Funded plans under ERISA cannot be used with index annuities.
 
McCORMICK FINANCIAL PRODUCTS, LLC

1-800-272-7181

(AD010368)