1. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A protection and retirement strategy all in one. Accumulation and Protection Planning Combo (A.P.P. Combo)

2. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Important disclosures  Accumulation and Protection Planning Combo (A.P.P. Combo) is, first and foremost, a concept. It is not a product or contract.  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 Voya™ 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 change frequently and the strategies suggested may not be suitable for everyone. Each taxpayer should seek advice from his or her tax and legal advisors regarding their individual situation.  Voya TermSmart, policy form #1315-02/10, varies by state, and may not be available in all states, issued by ReliaStar Life Insurance Company (Minneapolis, MN), member of the Voya™ family of companies.

3. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Are your clients protecting their financial future? The challenges are clear. Your clients need to: 1.Protect more for a secure future 2.Save more for retirement ! Show them Voya’s… Accumulation & Protection Planning Combo

4. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 The realities we face: Social security and federal spending Entitlements and interest driving future spending surge Source: Congressional Budget Office, 2012 Long-Term Budget Outlook, Alternative Fiscal Scenario, June 5, 2012, http://www.cbo.gov/publication/43288 (accessed June 5, 2012). Federal Spending by the Numbers 2012 heritage.org

5. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 We the People PowerPoint We the People Brochure #166193 The realities we face: Social security and federal spending

6. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617  Premature Death: If your client’s income stopped at death, how would their family cope? A comprehensive financial strategy helps plan for these events and provides peace of mind.  Disability: Disability is something most people do not like to think about. However, the chances that your clients will become disabled are probably greater than you, or they, realize. Studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching full retirement age.  Longevity: For many, the time spent in retirement is longer than ever. With today’s medical advancements and healthier lifestyles, many Americans can expect to live much longer.  Health Care: Advances in medical research and technology have helped to create one of the world’s most modern health care systems. As the dialogue for how to pay for it all plays across the front pages of our newspapers and over the network airwaves, one thing is certain: as the chart notes, we will pay more and more for our healthcare costs. Additional challenges – “The need to protect”

7. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Additional challenges – “The need to save”  Social Security  Personal Assets: Faced with the turbulent economy of recent years, millions of Americans the past few years have followed this financial strategy: “duck and cover.” That works well inside a boxing ring. Not so much when planning for a future that starts with a retirement your client’s deserve.  Employer Sponsored Plans: Pension, Profit Sharing, 401(k), 403(b), SEP, SIMPLE Your Clients Need to Avoid: – Short-term decisions that lead to long-term financial mediocrity. – Retirement that leaves them wanting for more while living on less. – Planning that accounts for the expected while ignoring the potential for the unexpected.

8. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Possible solutions  Work longer - Retire later  Increase qualified plan contributions  Save more in personal assets

9. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Plus: Premature death can devastate your clients’ financial plans  If your client’s income stopped because of their death, what would be the impact on their family?  Life insurance coverage on them may provide a “safety net” Voya’s A.P.P. Combo provides death benefit protection in an efficient manner, and may provide tax advantaged dollars, growing to give them a supplemental income at retirement.

10. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 What is A.P.P. Combo? A.P.P. Combo combines term life insurance and cash value life insurance to provide:  Death benefit protection for your client’s family  Tax advantaged accumulation for your client’s retirement

11. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617  Income tax-free death benefit  Income tax-deferred growth potential  Tax-free supplemental income  Flexible premium contributions  No IRS distribution requirements or penalties Key benefits of life insurance

12. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo

13. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo

14. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo * A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. Policy loans/partial withdrawals may have tax implications and may cause the policy to lapse. Income tax free policy distributions may be achieved by policy loans or withdrawing to the cost basis (usually premiums paid). This assumes the policy qualifies as life insurance, is not a modified endowment contract and is not lapsed or surrendered with an outstanding loan. Policy loans and withdrawals may reduce the policy’s death benefit and available net surrender value. In addition, in the case with an Indexed Universal Life policy, they may reduce or eliminate index credits and may limit your ability to make elections to the Indexed Strategy.

15. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 * A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. Policy loans/partial withdrawals may have tax implications and may cause the policy to lapse. Income tax free policy distributions may be achieved by policy loans or withdrawing to the cost basis (usually premiums paid). This assumes the policy qualifies as life insurance, is not a modified endowment contract and is not lapsed or surrendered with an outstanding loan. Policy loans and withdrawals may reduce the policy’s death benefit and available net surrender value. In addition, in the case with an Indexed Universal Life policy, they may reduce or eliminate index credits and may limit your ability to make elections to the Indexed Strategy. A.P.P. Combo

16. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo * A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. Policy loans/partial withdrawals may have tax implications and may cause the policy to lapse. Income tax free policy distributions may be achieved by policy loans or withdrawing to the cost basis (usually premiums paid). This assumes the policy qualifies as life insurance, is not a modified endowment contract and is not lapsed or surrendered with an outstanding loan. Policy loans and withdrawals may reduce the policy’s death benefit and available net surrender value. In addition, in the case with an Indexed Universal Life policy, they may reduce or eliminate index credits and may limit your ability to make elections to the Indexed Strategy. ** Death proceeds from a life insurance policy are generally income tax-free and if properly structured, may be free from estate tax.

17. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617  Male, age 45  $1,000,000 death benefit need  $10,000 available to: –Purchase life insurance –Save for retirement How does it work – A sample situation

18. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 18 After 20 years he has approximately $300,000 in his cash value policy Efficiency equals Accumulation and Protection Combo Initial Net Death BenefitAnnual Premium Cash Value Life Insurance$250,000$8,882 Voya TermSmart 20$750,000$1,118 Total$1,000,000$10,000 How does it work – a sample situation

19. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 19 After 20 years he has approximately $300,000 in his cash value policy What if he put the $10,000 in a $1,000,000 cash value policy? Efficiency equals Accumulation and Protection Combo Initial Net Death BenefitAnnual Premium Cash Value Life Insurance$250,000$8,882 Voya TermSmart 20$750,000$1,118 Total$1,000,000$10,000 How does it work – a sample situation

20. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 20 After 20 years he would have approximately $200,000 in his cash value policy After 20 years he has approximately $300,000 in his cash value policy What if he put the $10,000 in a $1,000,000 cash value policy? Efficiency equals Accumulation and Protection Combo Initial Net Death BenefitAnnual Premium Cash Value Life Insurance$250,000$8,882 Voya TermSmart 20$750,000$1,118 Total$1,000,000$10,000 How does it work – a sample situation

21. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Voya’s A.P.P. Combo 21  Your clients may need to accumulate more funds in order to retire  Your clients may also want their family to be secure if they die unexpectedly  It may make sense to accomplish both goals in the same financial tool

22. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo marketing material 22 Producer Guide #167007 Start Selling Flyers: #167010, #167919, #167996 Implementation Guide #167582 Consumer Brochure #167006 Consumer Presentation

23. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Where can I find these materials? Log into Voya for Professionals (www.VoyaProfessionals.com)www.VoyaProfessionals.com Go to the Life Insurance homepage and access under Sales & Marketing > Advanced Sales > Retirement Planning > A.P.P. Combo Or, go to Voya Presents and access under Sales Resources > Concept Information > Retirement Planning > Retirement Planning Microsite** ** Accessing this website requires a Promo Code. If you do not have a Promo Code, please contact your Voya Sales Representative.

24. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo personalized marketing 24 Consumer Email #167215Producer Email #167008

25. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Where can I find these materials? 25 1.Log into Voya for Professionals (www.VoyaProfessionals.com)www.VoyaProfessionals.com 2.Click on ‘Voya PromoCenter’ under 'Sales & Marketing' on the homepage 3.From the Voya PromoCenter homepage click the ‘Click here’ button beneath ‘Email Marketing’ 4.From there, you can filter the email templates by category on the left or by using the keyword search at the top Voya for Professionals Voya PromoCenter

26. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo case design 26 First, determine with your client: 1.The death benefit need 2.The dollars available for premium Not sure what your client’s death benefit need may be? Use our Life Insurance Capacity Calculator to find out. From Voya Presents, go to: Sales Resources > Concept Information > Fact Finders > Life Insurance Capacity Calculator

27. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 Illustrate A.P.P. Combo in Voya Presents Open Voya Presents 1.Enter the “Client Name” to locate the client (if the client already exists in Presents) or click on “New” in the top right-hand corner to create the client 2.Click on the drop-down arrow to select the “State” 3.Click on the drop-down arrow that says “Basic Ledger,” scroll down and select “A.P.P. Combo” 4.Click on the drop-down arrow and select the “Cash Value” product you want to illustrate. Fill in the appropriate illustration details (age, gender, etc.) 1 1 2 2 3 3 4 4

28. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo in Voya Presents 28 Click on the blue bar titled A.P.P. Combo 1.Fill in the total death benefit need 2.Choose the term policy desired 3.Indicate the retirement age and years to pay the projected retirement benefit

29. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo in Voya Presents 29 You can pick the appropriate reports for your client here as well.

30. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo in Voya Presents 30 Click on the blue bar titled Face Amount/Riders  The total face type reflects the solve requested  The default is set to the increasing death benefit option, changing to level when premiums end and the GPT test  Choose any riders desired

31. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo in Voya Presents Click on the blue bar titled Premiums/Distributions  Input the premium dollars available and the number of years for premium payment  The premium/distribution tab inputs are the same as in Basic Ledger  The premium is the total premium outlay for both the term & cash value policy

32. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo in Voya Presents 32 Or click on Illustrate to see the whole proposal You can use the Ledger Values button to see the policy values for the cash value policy

33. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo application / One App!! 33 1.Use “Forms Wizard” on Voya Presents to obtain the forms needed for the cash value policy your client is applying for. 2.Complete the cash value application part one. When completing the application, write in the name of the term policy being applied for as shown in the example below. Write in the name of the term policy here

34. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo Application / Underwriting  Complete all other required forms. Please note: The cash value and term policies have separate Accelerated Benefit Rider disclosure forms that must be presented at the time of application and can be accessed in Voya Presents. The ABR form for the cash value policy is included in the permanent application package. The term policy version is now included in the sales illustration. It prints immediately after the term ledger, near the back of the illustration. Be sure to have the client sign this form when submitting the application.  An A.P.P. Combo illustration must accompany all A.P.P. Combo sales. 34

35. Do not put content on the brand signature area For agent/registered representative use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0514-18018-0617 A.P.P. Combo Questions? 35 Thank You For questions regarding Voya Life Companies’ insurance products, please call 866-464-7355