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. CN0928-4958-1014 S.O.L.A.R. Insurance Arrangements Self-Owned Life And Retirement (S.O.L.A.R.) Insurance Arrangements

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. CN0928-4958-1014 Disclosures  Voya Indexed Universal Life –Global Choice (Voya IUL-Global Choice), policy form series #1186-09/12 has an equity Indexed feature, varies by state and may not be available in every state. It is issued by Security Life of Denver Insurance Company (Denver, CO), a member of the Voya™ family of companies. Not available in New York. The Index Caps and Index Participation Rates are subject to change for new Index Blocks. All guarantees are based on the financial strength and claims paying ability of Security Life of Denver Insurance Company which is solely responsible for the obligations under its own policies.  Voya Indexed Universal Life - Global Choice (Voya IUL-Global Choice) is a flexible premium, universal life insurance product designed to provide a death benefit and allow for surrender values. While the policy values may be affected by external indexes, the policy does not directly participate in any index fund, stock or equity investments. The product is not a variable product or any type of investment contract.  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.  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 matter addressed in this document. Each taxpayer should seek advice from an independent tax advisor.

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. CN0928-4958-1014 Disclosures The Hang Seng Index (the “Index”) is published and compiled by Hang Seng Indexes Company Limited pursuant to a license from Hang Seng Data Services Limited. The mark and name “Hang Seng Index” are proprietary to Hang Seng Data Services Limited. Hang Seng Indexes Company Limited and Hang Seng Data Services Limited have agreed to the use of, and reference to, the Index by Security Life of Denver Insurance Company (“Security Life”) in connection with this indexed universal life insurance policy (the “Policy”), BUT NEITHER HANG SENG INDEXES COMPANY LIMITED NOR HANG SENG DATA SERVICES LIMITED WARRANTS OR REPRESENTS OR GUARANTEES TO ANY BROKER OR HOLDER OF THE POLICY OR ANY OTHER PERSON (i) THE ACCURACY OR COMPLETENESS OF THE INDEX AND ITS COMPUTATION OR ANY INFORMATION RELATED THERETO; OR (ii) THE FITNESS OR SUITABILITY FOR ANY PURPOSE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT; OR (iii) THE RESULTS WHICH MAY BE OBTAINED BY ANY PERSON FROM THE USE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT FOR ANY PURPOSE, AND NO WARRANTY OR REPRESENTATION OR GUARANTEE OF ANY KIND WHATSOEVER RELATING TO THE INDEX IS GIVEN OR MAY BE IMPLIED. The process and basis of computation and compilation of the Index and any of the related formula or formulae, constituent stocks and factors may at any time be changed or altered by Hang Seng Indexes Company Limited without notice. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS ACCEPTED BY HANG SENG INDEXES COMPANY LIMITED OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT OF THE USE OF AND/OR REFERENCE TO THE INDEX BY SECURITY LIFE IN CONNECTION WITH THE POLICY; OR (ii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES OR ERRORS OF HANG SENG INDEXES COMPANY LIMITED IN THE COMPUTATION OF THE INDEX; OR (iii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR INCOMPLETENESS OF ANY INFORMATION USED IN CONNECTION WITH THE COMPUTATION OF THE INDEX WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv) FOR ANY ECONOMIC OR OTHER LOSS WHICH MAY BE DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER OR HOLDER OF THE POLICY OR ANY OTHER PERSON DEALING WITH THE POLICY AS A RESULT OF ANY OF THE AFORESAID, AND NO CLAIMS, ACTIONS OR LEGAL PROCEEDINGS MAY BE BROUGHT AGAINST HANG SENG INDEXES COMPANY LIMITED AND/OR HANG SENG DATA SERVICES LIMITED IN CONNECTION WITH THE POLICY IN ANY MANNER WHATSOEVER BY ANY BROKER, HOLDER OR OTHER PERSON DEALING WITH THE POLICY. Any broker, holder or other person dealing with the Policy does so therefore in full knowledge of this disclaimer and can place no reliance whatsoever on Hang Seng Indexes Company Limited and Hang Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.

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. CN0928-4958-1014 Disclosures  A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. 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 or eliminate index credits, generate an income tax liability, reduce available surrender value and reduce the death benefit, or cause the policy to lapse. Select Loans have the risk that policy performance may be lower than projected if the amount credited to the account value in the Fixed Strategy and/or Indexed Strategy is less than the fixed 6% interest charged on the policy loan. Detailed additional information about policy loans is located in the policy form and any personal policy illustration.  The S&P 500® Index (is an index of the stock performance of 500 publicly traded companies that does not reflect the dividends payable on the underlying stocks. “Standard & Poor’s®,” “S&P®,” “S&P 500®” are registered trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by Security Life of Denver Insurance Company. The Policy is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of investing in the Policy.  EURO STOXX 50® Index – An index of blue-chip stocks that are represented by 50 stocks covering the largest sector leaders in the EURO STOXX 50® index. It does not reflect dividends payable on the underlying stocks. The EURO STOXX 50® index is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland and/or its licensors (“Licensors”), which is used under license. The Voya Indexed Universal Life – Global Choice insurance policy is based, in part, on the Index and is in no way sponsored, endorsed, sold or promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect thereto.

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. CN0928-4958-1014 Our agenda  The problems facing executives and their employers  The paradigm shift  Today’s answer

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. CN0928-4958-1014 Executive Need: Tool to Provide Death Benefit Protection for Family and to Close Gap Between Retirement Need and Retirement Savings

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. CN0928-4958-1014 Executives are facing a retirement crisis “The key sources of income retirees are relying on are either under attack, in the case of Social Security, or disappearing, in the case of traditional pensions.” - Ross Eisenbrey, VP of Economic Policy Institute Source:“U.S. Retirement Deficit Reaches $6.6 Trillion,” Laura Bassett, Huffington Post (9/16/2010)

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. CN0928-4958-1014 Growing retirement deficit  According to a study by Boston College’s Center for Retirement Research, the U.S. has a “Retirement Deficit” of $6.6 trillion. –Retirement Deficit is the gap between the retirement savings of U.S. households and what they need to have in order to maintain their living standards past retirement –The current Retirement Deficit is roughly five times the projected federal deficit for 2010 Source:“U.S. Retirement Deficit Reaches $6.6 Trillion,” Laura Bassett, Huffington Post (9/16/2010)

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. CN0928-4958-1014 Reverse discrimination  Qualified retirement plans have contribution limits –$17,000 annually (as of 2012) for 401(k), 403(b), and 457(b) plans –Highly paid executive participating in qualified plan fails to receive the same ratio of before-to-after retirement income as average worker

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. CN0928-4958-1014 Potential for increasing tax rates  There is increasing concern that income tax rates will go up in the future  If Income Tax Rates go up, Net Spendable Amount goes down Source: Federal Individual Income Tax Rates History, Tax Foundation, 2010 The Chart traces the highest federal personal income tax rates from 1913 to today. The amount of income subject to these varying rates has also changed. In 1965-67, a rate of 70% applied to taxable income over $200,000 equal to approximately $1,043,000 in current dollars. Year$50,000$200,000 194478%94% 195054%79% 196059%87% 197051%71% 198049%68% 199028%31% 200015%33% 201015%33% Historical Marginal Tax Rates 1944-2010Income Tax Rates Change Over Time Maximum rates have gone up and down

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. CN0928-4958-1014 Retirement savings - A need for executives  Executives are concerned about retirement –53% of employees are “highly concerned” about outliving retirement money (Met Life 8th Annual Study of Employee Benefits Trends, 2010) –57% of employees say that compared to what they thought two years ago, they will have to save much more to achieve a comfortable level of income in retirement (Towers Watson Retirement Attitudes, 2010)

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. CN0928-4958-1014 Employer Need: Tool to Recruit & Retain Key Talent

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. CN0928-4958-1014 Emerging focus for employers  Employers facing challenges in recruiting and retaining key talent –52% of U.S. companies reported problems recruiting critical-skill employees (Towers Watson Global Talent Management and Rewards Survey, 2010)

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. CN0928-4958-1014 Emerging focus for employers  As the economy improves, key employees may search for better opportunities elsewhere –In a recent survey, 81% of employees said they would pursue new job opportunities as the economy improves* * Right Management Survey – November 2009

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. CN0928-4958-1014 Executives concerned about retirement “How can I be sure my current employment will help me prepare for retirement?”

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. CN0928-4958-1014 Employers still need to recruit & retain “How can we keep key employees loyal and hard working when traditional compensation methods don’t work?”

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. CN0928-4958-1014 The traditional solution Deferred Compensation

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. CN0928-4958-1014 Traditional solution – NQDC/SERP  Employers have traditionally used Deferred Compensation Plans to recruit, retain, and reward key executives  Many labels for the same concept –Nonqualified deferred compensation (NQDC) –Supplemental executive retirement plan (SERP) –Corporate-Owned Life Insurance (COLI) –§ 409A plan –Salary continuation –401(k) Look Alike / 401(k) Mirror

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. CN0928-4958-1014 Traditional solution – NQDC/SERP  Employer promises Executive future benefit (defined contribution or defined benefit)  Employer informally funds promise by purchasing life insurance policy on Executive  At retirement, or at death, Executive receives promised benefit from Employer  Arrangement is subject to IRC § 409A

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. CN0928-4958-1014 Potential benefits of NQDC/SERP arrangements For Employers:  “Golden Handcuffs”  Control of Funding Asset  Ability to Discriminate (i.e., offer benefits to select employees)  Cost Recovery For Employees:  Tax Deferral  Supplemental Retirement Income

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. CN0928-4958-1014 Potential concerns with NQDC paradigm Employer  No current tax deduction  Funding risk  Regulatory restrictions  Balance sheet risk  Cost of administration  Complexity Executive  Future tax uncertainty  Exposure of funding asset  Potential 20% penalties  No portability  Limited flexibility  Complexity

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. CN0928-4958-1014 Key question If there were a way to potentially provide an Executive with the same net benefit amount and eliminate the risks and concerns we’ve just discussed, would you be interested?

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. CN0928-4958-1014 S.O.L.A.R. Insurance Arrangement

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. CN0928-4958-1014 Unique solution After-tax strategy + Executive ownership + Voya IUL-Global Choice Life Insurance ________________ S.O.L.A.R. Insurance Arrangement

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. CN0928-4958-1014 S.O.L.A.R. insurance arrangements Self-Owned Life And Retirement (S.O.L.A.R.) Insurance Arrangement funded with Voya Indexed Universal Life – Global Choice (Voya IUL-Global Choice) Life Insurance  An arrangement where Employee purchases a Voya IUL-Global Choice policy for death benefit protection and as a potential source of retirement income.  Bonused premium payments may be provided by Employer as a tool to Recruit, Reward, and Retain key talent  Select Loan feature available to help Employee pay income taxes due on employer funds used to pay premiums * A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. 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. Select Loans have the risk that policy performance may be lower than projected if the amount credited to the account value in the Fixed Strategy and/or Indexed Strategy is less than the fixed 6% interest charged on the policy loan. Detailed additional information about policy loans is located in the policy form and any personal policy illustration.

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. CN0928-4958-1014 Executing a S.O.L.A.R. Insurance Arrangement EmployerEmployee

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. CN0928-4958-1014 1 –Agree to S.O.L.A.R. Insurance Arrangement EmployerEmployee 1

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. CN0928-4958-1014 2 2 –Executive purchases Voya IUL-Global Choice Policy EmployerEmployee 1 Voya Life Companies

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. CN0928-4958-1014 2 3 – Premiums are paid EmployerEmployee 1 3 Voya Life Companies

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. CN0928-4958-1014 2 4 –Executive may use Select Loans to pay taxes EmployerEmployeeIRS 1 3 4 Voya Life Companies

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. CN0928-4958-1014 2 5 –Policy used as a potential source of retirement income EmployerEmployeeIRS 1 35 4 Voya Life Companies

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. CN0928-4958-1014 Addressing Employer concerns Potentials disadvantages of NQDC  No current tax deduction  Funding risk  Regulatory restrictions  Balance sheet risk  Cost of administration  Complexity Potential advantages of S.O.L.A.R. Insurance Arrangements  Current tax deduction (if reasonable compensation)  Generally no future funding obligation  May not be subject to §§ 409A or 101(j)  No balance sheet impact  Little or no plan administration  May be a simple arrangement

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. CN0928-4958-1014 Addressing Executive concerns Potentials disadvantages of NQDC  Future tax uncertainty  Exposure of funding asset  Potential 20% penalties  No portability  No flexibility  Complexity Potential advantages of S.O.L.A.R. Insurance Arrangements  Taxes paid at today’s rates  Not subject to employer creditors  May not be subject to § 409A  Executive owns policy  Executive determines how to use policy  May be a simple arrangement

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. CN0928-4958-1014 Potential disadvantages of S.O.L.A.R. Insurance Arrangements For employers:  No control of funding asset  No cost recovery For employees:  No tax deferral

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. CN0928-4958-1014 Voya Indexed Universal Life-Global Choice The New Product

36. 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. CN0928-4958-1014 Introducing Voya IUL-Global Choice Voya IUL-Global Choice is a flexible premium, universal life insurance product designed to provide a death benefit and allow for cash values. It includes an Indexed Strategy with 3 different crediting options where index credits are linked in part to increases, if any, in outside indexes. The S&P 500® 1 Year Point to Point Index Strategy is subject to an annual minimum and maximum index credit rate. The 2 and 5 Year Global Indexed Strategies are linked to weighted changes in three indexes – the S&P 500® Index, the EURO STOXX 50® Index, and the Hang Seng Index - and calculates an index credit under a formula employing a look back strategy where a portion of the better performing two out of three indexes is used, and is subject to a Guaranteed Minimum Interest Rate. While the policy values may be affected by external indexes, the policy does not directly participate in any index fund, stock or equity investments, and all policy guarantees are based solely on the financial strength and claims-paying ability of Security Life of Denver Life Insurance Company. This product is not a variable product or any type of investment contract. It is not an investment in the stock market and does not participate in any index fund, stock or equity investment. It is not a variable product or any type of investment contract. You do not buy or participate in an index. The indexes are simply measuring tools that are used determine the amount of the index credit the company will credit to the policy. It is not a policy where cash value is based upon performance of a variable investment option, such as in the case with variable universal life insurance. It is not meant to be used as an investment vehicle. What indexed universal life insurance is not

37. 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. CN0928-4958-1014 Select loans  Select loans are policy loans in which an amount equal to the loan is added to the policy loan amount while also remaining in the Fixed Strategy and/or Indexed Strategy as elected by the policy owner –The interest rate charged on the loan amount for a Select Loan is fixed at 6.0% per year, regardless of the index credits earned and/or the credited interest rates. –Allows executive access to policy values while still enjoying the interest earnings potential offered by Voya IUL-Global Choice. –But, Select Loans have the risk that the amount credited will be less than the interest charged on the policy loan. As a result the policy performance may be lower than projected. Without additional premium or loan interest payments, the policy could lapse.

38. 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. CN0928-4958-1014 Select loans  The net result of having a select loan will vary depending on the index credits earned and/or the credited interest rates on the account value –For example, if the account value earns over time an average of 8.0%, the net result of select loans is a net gain of 2.0% 8.0% earned rate less 6.0% charged rate = 2.0% net gain –On the other hand, if the account value earns over time an average of only 1.0%, the net cost of select loans is 5.0% 6.0% charged rate less 1.0% earned rate = net cost of 5.0% Please note that this hypothetical example describes a financial result only and that interest charged on the loan that is not paid in cash is added to the loan amount and, in turn, results in increased loan interest charges.

39. 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. CN0928-4958-1014 Key question If there were a way to potentially provide an executive with the same net benefit amount and eliminate the risks and concerns we’ve just discussed, would you be interested?

40. 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. CN0928-4958-1014 Sample case study What benefit structure offers the best net after-tax income stream during retirement?  Sonny Summer is currently age 45  Summer wants to retire in 20 years  Summer’s current tax bracket: 35%  An Executive Benefit Arrangement is funded for Mr. Summers using Voya IUL-Global Choice Insurance –Assume male, preferred non-tobacco and current costs –Premiums allocated 100% to the 2 Year Point to Point indexed strategy (8% hypothetical annualized index credit rate) –Initial death benefit of $1,081,000 using increasing death benefit option 2  Mr. Summer’s employer will pay $50,000 a year for 20 years to fund the benefit  Summer will take a retirement income stream over a period of 20 years beginning at age 66

41. 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. CN0928-4958-1014 Sample case study Consider three different scenarios:  Employer funds SERP Arrangement and income tax rates remain unchanged  Employer funds SERP Arrangement and income tax rates for Mr. Summer increase to 45% at retirement  Employer funds policy with full bonus amount - Summer pays tax costs using select loans

42. 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. CN0928-4958-1014 Sample case study Results: Net Distributions  SERP w/ no increase in tax rates = $122,917  SERP w/ tax rates increased to 45% =$104,007  S.O.L.A.R. Insurance Arrangement using Select Loans =$125,148 These hypothetical results are based on current assumptions, are for illustrative purposes only and should not be deemed a representation of past or future results. The results would generally be lower using guaranteed assumptions, including earlier policy lapse and the inability to take any assumed policy loans or partial withdrawals.

43. 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. CN0928-4958-1014 S.O.L.A.R. Insurance Arrangements – What we have covered  Executive Need –Increasing need to close retirement “gap”  Employer Need –Increasing need to recruit & retain key talent  Traditional Solution –NQDC & SERP Arrangements funded with COLI  New Paradigm –S.O.L.A.R. Insurance Arrangements  New Product –Voya IUL-Global Choice

44. 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. CN0928-4958-1014 Moving forward with S.O.L.A.R. Insurance Arrangements The next step is to consider different applications for S.O.L.A.R. Insurance Arrangements  Different ways for Employers to offer S.O.L.A.R. Insurance Arrangements as a benefit for employees  Adding “Golden Handcuffs” to S.O.L.A.R. Insurance Arrangements  Using S.O.L.A.R. Insurance Arrangements for individual retirement needs outside of the employment context

45. 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. CN0928-4958-1014 www.VoyaLifeSOLAR.com FPO – Screencap of site once site is live

46. 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. CN0928-4958-1014 www.VoyaLifeSOLAR.com

47. 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. CN0928-4958-1014 www.VoyaLifeSOLAR.com

48. 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. CN0928-4958-1014 Questions?