Modern Solutions for Today's Modern Families

Modern Solutions for Today's
Modern Families

People form many different types of committed relationships and many of them do not involve a marriage contract.

Some committed couples decide to marry. Others may not be eligible to marry under state law or may have decided that marriage is not an important priority. Legally married couples have access to a number of valuable tax and legal benefits under state and federal laws. These benefits generally aren't available to unmarried couples. Despite this legal discrimination, there are a number of effective planning tools and strategies unmarried couples can use to accomplish their retirement and wealth transfer objectives.

The ING Life Companies have created several new consumer brochures to help you work in the unmarried partners market. Each brochure has been printed in three separate versions – one each for unmarried male prospects/clients, unmarried female prospects/clients, and unmarried heterosexual prospects/clients. The language in each version of the related brochures is the same; the pictures have been changed to enhance their appeal. They can be ordered on ING for Professionals and are available for personalization on the Life PromoCenter:


Retirement Planning for Unmarried Partners Female Partners #164665 Male Partners #164664 Heterosexual Partners #164666	Wealth Transfer Planning for Unmarried Partners Female Partners #164648 Male Partners #164647 Heterosexual Partners #164581	Creating a Virtual Marital Deduction with Life Insurance Female Partners #164527 Male Partners #164086 Heterosexual Partners #164528	Partner's Lifetime Access Trust Same Gender Partners #166157 Heterosexual Partners #166158


Producer Materials Producer Flyer >> Treasury and the Internal Revenue Service (IRS) Release Guidance on Same-Sex Marriage: Revenue Ruling 2013-17 Summary >> AALU Washington Report: DOMA - Practical Implications for Same-Sex Couples >> AALU Washington Report: DOMA Impact on Employee Benefit plans>>		Consumer Materials New! Supreme Court Rules on DOMA consumer brochure (lesbian) >> New! Supreme Court Rules on DOMA consumer brochure (gay) >> New! New Insurance and Annuity Options for Same Sex Spouses >>

For more information contact your ING Life Companies' representative or ING Insurance Sales Support at 866-ING-SELL (866-464-7355).

These materials are not intended to and cannot be used to avoid tax penalties and they were prepared to support the promotion or marketing of the matters addressed in this document. Each taxpayer should seek advice from an independent tax advisor.

The ING Life Companies and their agents and representatives do not give tax or legal advice. This information is general in nature and not comprehensive, the applicable laws may change and the strategies suggested may not be suitable for everyone. Clients should seek advice from their tax and legal advisors regarding their individual situation.

Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the ING family of companies.

For agent use only. Not for public distribution.
© 2013 ING North America Insurance Corporation
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