1. ING Electronic Application ING’s Electronic Life Insurance Application Solution ING TermSmart & ING ROP Endowment Term
Welcome to the New Way of Doing Business
Fast. Straight-forward. Accurate

2. ING Electronic Application: What is ING Electronic Application?
ING’s electronic application platform for ING TermSmart and ING ROP Endowment Term life insurance products
Accessed via General Agency home page
“Smart” Application that facilitates an In Good Order Application at the time of submission
Intuitive tool that provides the agent with all required forms based on responses provided in the application process. (Replacement forms, Questionnaires, etc….)
Electronic Signature Pad and Submission process that will pass data and images directly into ING’s administrative engine
Print/wet signature submission method also available if client is hesitant to electronically sign (must submit via alternate method)
ING takes the data as it was entered by the Agent into the Electronic Application platform, reducing the risk of manual data entry errors
Increases efficiency of new business submissions and improves end-to-end process cycle times
Electronic Signatures via process coming soon

3. ING Electronic Application: System Requirements
Computer with internet access, Adobe 8.0 and Signature Pad
Electronic Application is compatible with IE (7.0 or higher), Google Chrome (12.0 or higher), Safari (5.0 or higher) and Firefox (4.0 or higher)

4. ING Electronic Application: Disclosures
ING TermSmart may vary by state and may not be available in all states, is issued by ReliaStar Life Insurance Company(Minneapolis, MN), a member of the ING family of companies.
ING TermSmart NY not available outside of New York, is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY), a member of the ING family of companies. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued.
All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.
ING ROP Endowment Term may vary by state and may not be available in every state (not available in New York). It is issued by ReliaStar Life Insurance Company (Minneapolis, MN). ING ROP Endowment Term NY (not available outside of New York), is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the ING family of companies.
For additional product details please visit

5. ING Electronic Application: Home Page
Status of Business - This screen allows you to view all of the applications you have created and the status of each application.
New Application – Used to create a new application.
(Reports and Management only viewable for super/administrative users)

6. ING Electronic Application: Status of Business
Search Options – Select search option by utilizing the drop down menu and input search criteria based on option selected. This allows you to narrow your search or find the desired information quickly.

7. ING Electronic Application: Additional Information
Fields which require dates give you the option of entering the date directly to include back slashes (mm/dd/yyyy) or selecting it from a pop-up calendar. Be sure to enter the proper year.
When entering a phone number, enter the digits without the dashes, it will be automatically formatted.
Certain fields which require a “yes” or “no” answer may require more detail, the screen expands to show additional required fields. These fields are hidden until needed for ease of navigation. You can add additional fields by clicking on the green “Add” button.
To advance through the Application you will select the “next” button on the lower right hand corner.
If all required fields are not completed you will be allowed to proceed with entering the application data; however, you will not see a green check mark next to the section summary in the navigation window on the left hand side of the screen. The missing information will be highlighted in yellow.

8. ING Electronic Application: New Application
To create a new application, click on the “New Application” tab across the top of the page.
The electronic application process functions as a wizard, prompting you to enter all the information needed. Every field with a red asterisk must be completed. Many fields have pull-down menus with the available choices. In the example below, the state must first be entered, so that the program can pull up the products available in that state.

9. ING Electronic Application: Product Selection
Product availability will be based on the solicitation state, product type, and carrier selected.
The agent’s social security number is for verification purposes only and cannot be viewed by the client.
To add additional agents click the “add” button and provide the additional agents information.

10. ING Electronic Application: Policy Configuration
You may now begin to enter client information. Please complete all required fields noted by an asterisk. Pull-down menus give you a choice of possible responses. If there is a Yes or No drop down selection, that may bring up additional fields you must complete.
Boxes that are pre-checked and are shaded gray indicate default choices. In the example above the Accelerated Benefit Rider is checked because it is automatically included with the product you have selected. The unchecked boxes represent available options. If information entered is incorrect an error message will display in red text.

11. ING Electronic Application: Policy Configuration-Owner
Be sure to select the correct ownership of the policy. Based on selection additional fields will populate. If business is selected for purpose of insurance, additional financial details are required.
Ownership by a Trust or Corporation may require additional documents which will be required to be sent to ING.

12. ING Electronic Application: Primary Insured – Basic Information
Please complete all primary insured information.
Non-US Birth or Citizenship
*If the citizenship is not the United States, additional required fields will populate.

13. ING Electronic Application: Primary Insured – Other Insurance
Replacement questions may generate additional state required forms based on the information entered.
ING requires the Company Name, Policy Number, and Amount of Insurance. If the existing coverage policy number is unknown, please enter “Unknown”.

14. ING Electronic Application: Primary Insured
Primary Insured Information:
Drivers License Number, Name and State of Issue need to be entered exactly as they appear on the Drivers License.

15. ING Electronic Application: Primary Insured
Based on the answers for the Primary Insured Life Activities, additional questionnaires may populate.
If you are submitting an exam completed for another company the Medical Transfer Statement is required.

16. ING Electronic Application: Financial Details
Please complete the financial details fully in order to prevent potential delays in processing.
If applicant is non income producing, please provide household financial details.

17. ING Electronic Application: Financial Details
If the death benefit amount is $3,000,000 or greater you will be required to complete the detailed financial information as illustrated below. Completing this portion in its entirety will prevent processing delays and/or additional requests for financial information.

18. ING Electronic Application: Beneficiaries
When completing the beneficiary information you can add additional beneficiaries by clicking the green “Add” button. You must also indicate whether the death benefit proceeds are to be shared equally among beneficiaries; if not shared equally you must enter the percentage to be dispersed to each beneficiary.

19. ING Electronic Application: Owner – Other than Insured
Information selected on the policy configuration screen will populate to the owner portion of the application. If the policy owner is different from the base insured you will need to complete all required fields.

20. ING Electronic Application: Payment
Initial Payment is the first policy payment can be used to bind coverage during underwriting and to place the policy in-force once all delivery requirements blocking placement are received. Initial payment option is determined by the payor and can be paid via Check, EFT Payment, or Credit/Debit Card based on state regulations.
Subsequent Payments are premiums paid throughout the life of the policy based on the mode (Monthly-EFT, Quarterly, Semi Annually, or Annually) selected by the payor. EFT billing is available for all premium modes and is required if paying on a monthly basis.
*If initial premium is paid via Credit/Debit Card and subsequent premiums are EFT you must supply EFT and Credit/Debit Card information. Credit/Debit Card payments are only allowed for initial premium payment.

21. ING Electronic Application: Payment – EFT Information
When EFT is selected for Initial and Subsequent payments it is critical that a valid routing and account number be entered.
When you enter the banking information the “Routing Number” will be verified automatically, and the “Bank Name” will automatically populate. Make sure to verify with the client that the bank name is correct before proceeding. You can only change the bank name by changing the routing number.
Bank Account Owner field must be entered exactly as printed on the check.

22. ING Electronic Application: User Guide
The Temporary Insurance Agreement is used to determine if ING can bind coverage during the underwriting process. All questions are required to be completed. If any questions are answered “yes” you are not authorized to collect premium at the time of application. If all questions are answered “no” the Temporary Insurance Agreement will be included in the completed application packet for all parties to sign.
(ING’s total liability per proposed insured will not exceed $1,000,000.)

23. ING Electronic Application: Agent Report
Agent Attestations must be completed in its entirety. Additional information may be required based on the answers provided.
Please use the comments section for additional information.

24. ING Electronic Application: Policy Verification
If you have not completed all required fields the next button will take you back to the first screen. Please use the navigation bar on the left hand side of the screen to verify which sections of the application remain incomplete. Completed items will be indicated by a green check mark. Based on the application corrections, if additional forms or information are required, these will populate for completion.

25. ING Electronic Application: Validate
Once all errors are corrected click the green “Validate” checkmark again. (Each time changes or corrections are made you must select the “Validate” checkmark.) If there are no additional errors, the program will indicate that the application is ready for submission.

26. ING Electronic Application: Submit
CAPTURE SIGNATURES:
Once validation is completed, click the yellow “Submit” and continue with your current signature process.

27. ING Electronic Application
CONGRATULATIONS!
After clicking “Submit,” you will be taken back to the Status of Business screen, showing that your application has been submitted
You have now completed the application process.