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Enrollment

To participate in Opportunity Plus, your employer must have a master contract. Then, you need only complete a salary reduction agreement and an enrollment form specifying your contribution amount, investment choice(s), and your beneficiary.

Over time, you can increase, decrease or stop your contributions through a salary reduction agreement with your employer.

Your local retirement planning specialist is available to answer your questions. Or, if you'd like, call us toll-free at 1-800-OPP-INFO (1-800-677-4636) for more information.

To obtain a copy of the contract prospectus or to enroll in this program, please contact the local representative for your district or campus. You can find your local representative from the list provided within the Contact Us feature available from the left hand menu bar on this screen. You may also contact us directly for additional information via E-mail.

Opportunity Plus is a tax-deferred variable annuity issued by ING Life Insurance and Annuity Company (ILIAC). Securities and financial planning offered through ING Financial Advisers, LLC (member SIPC). Securities also offered through other broker-dealers with which ING Financial Advisers, LLC has selling agreements.

You should consider the investment objectives, risks, charges and expenses of the variable product and its underlying fund options carefully before investing. The prospectuses contain this and other information. You may obtain a prospectus by contacting your ING representative or the Opportunity Plus Service Center at (800) 677-4636. Please read the prospectus carefully before investing.

Variable annuities are intended to be long-term investments for retirement purposes. Withdrawals taken prior to age 59½ may be subject to an IRS 10% premature distribution penalty tax. Amounts distributed from the annuity will be taxed as ordinary income when received. Account values will fluctuate with market conditions, and when surrendered, the principal may be more or less than its original amount invested. Tax deferral is provided by the plan and the annuity does not provide any additional tax deferral benefit. Annuities may be subject to additional fees and expenses to which other tax-qualified plan funding vehicles may not be subject. However, annuities provide features and benefits such as lifetime income payments and death benefits which may be valuable to you.

For 403(b)(1) annuities, the Internal Revenue Code (IRC) generally prohibits withdrawals of 403(b) salary reduction contributions and earnings on such contributions prior to death, disability, age 59½, severance of employment, or financial hardship. Amounts held in a 403(b)(1) annuity as of 12/31/1988 are “grandfathered” and are not subject to these restrictions. For 403(b)(7) custodial accounts, the IRC generally prohibits withdrawals of any contributions and attributable earnings prior to death, disability, age 59½, severance of employment, or financial hardship. For both 403(b)(1) annuities and 403(b)(7) custodial accounts, the amount available for hardship is limited to the lesser of the amount necessary to relieve the hardship, or the account value as of 12/31/1988 plus the amount of any salary reduction contributions made after 12/31/1988 (exclusive of any earnings).

Insurance products are offered through ING Life Insurance and Annuity Company (ILIAC), One Orange Way, Windsor, CT 06095-4774. Securities are offered through ING Financial Advisers, LLC (member SIPC) and other broker/dealers with which it has agreements. Custodial services are offered through ING National Trust. These companies are wholly owned subsidiaries of ING Groep N.V. Products and services may not be available in all states.