Why Voya IUL-Protector NY? Because it’s Competitive. Voya Indexed Universal Life – Protector NY – Issued by ReliaStar Life Insurance Company of New York Key Highlights • Lower fixed-expense structure • Multiple Guarantees • 0% Indexed Strategy guaranteed minimum interest rate • 2% policy guarantee upon surrender or death • 2% Fixed Strategy guaranteed minimum interest rate • 12% Index Cap provides opportunity for greater returns … Competitive even when minimally funded Male Age 55, Best Risk Class, $750,000 Level Death Benefit, 6% Interest (100% elected to the Indexed Strategy), Death Benefit solve to age 100 Wow! Cash value is over 100% of premiums paid. Annual Premium1 Year 20 Cash Values Cash Value as a Percentage of Premiums Paid Target Premium Rolling Target? Voya IUL-Protector NY 8,840 188,489 107% 10,927 No Prudential Index Advantage UL 10,740 212,222 99% 10,343 No United States Life (AG) Elite Index 7,242 135,464 94% 11,550 No AXA BrightLifeSM Protect2 7,563 130,765 86% 10,312 No Values as of 2/28/14 and are subject to change. 1 Premiums are rounded to the nearest dollar. 2 Maximum illustrated rate of 5.54% was used. For agent use only. Not for public distribution. continued on back So get competitive with Voya IUL-Protector NY  Call: 866-464-7355  Click: Voya™ for Professionals at voyaprofessionals.com Voya IUL-Protector NY is a flexible premium adjustable universal life insurance policy that offers a death benefit to the beneficiaries of the policy and may be purchased to meet your client’s life insurance needs. While the policy cash values may be determined by reference to an index-linked crediting strategy, such cash values support the death benefit offered under the policy. This policy is not a variable contract or investment contract. Voya IUL-Protector NY, policy form series #3007-07/13, only available in New York, has an equity indexed feature and is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY), a member of the Voya™ family of companies. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. The Index Cap and Index Participation Rate are subject to change for new Index Blocks. All guarantees are based on the financial strength and claims paying ability of ReliaStar Life Insurance Company of New York who is solely responsible for the obligations under its own policies. The data shown is taken from company illustrations. Products shown are The United States Life Insurance Company in the City of New York Elite Index®, form 08326N; AXA Equitable Life Insurance Co. (AXA Equitable) NY, BrightLife Protect, Series 155, form 12-100; PruCo Life Insurance Company of New Jersey PruLife® Index Advantage UL, form IUL-2011. State variations may apply. Products actual features and benefits, expenses, loads and charges, may vary from company to company and will impact the values shown. Products are not identical, and the product’s specific features and the client’s use of those features will impact long term policy performance. Not FDIC/NCUA Insured | Not A Deposit Of A Bank | Not Bank Guaranteed | May Lose Value | Not Insured By Any Federal Government Agency For agent use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0103-14656-0116 169009 09/01/2014 Voya.com