You should consider the investment objectives, risks, charges and expenses of the variable investment options carefully before investing. The prospectus containing this and other information can be obtained on the ING Educator's Direct website. Please read the information carefully before investing.

Insurance products, annuities, and retirement plan funding are issued by (third party administrative services may also be provided by) ING Life Insurance and Annuity Company. Securities are offered through ING Financial Advisers, LLC (member SIPC), One Orange Way, Windsor, CT 06095-4774, or other broker/dealers with which it has selling agreements. These companies are indirect, wholly owned subsidiaries of ING Groep N.V.

C09-0820-001R