Welcome to the Tennessee Optional Retirement Program Website

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    • Investing for retirement requires a good plan and the discipline to follow it, but there are several options available. ING is one of your choices for the Tennessee Optional Retirement Program (ORP) -- a retirement program available to employees of the state's public higher education system as an alternative to the Tennessee Consolidated Retirement System (TCRS).

    To offer you simple access to information about the ORP, we have developed this custom Web site that allows you to access your account information and make account transactions. It will also provide you with comprehensive plan information, and investment and retirement planning educational materials. Just click on the links at the top of the page to change the menus that appear on the left side bar.

    This Web site is only one of the methods for you to receive information about the ORP and your account. Other services available include:

  • One-on-one meetings on a variety of issues, including enrollment, investment principles, and distribution planning
  • Investment education tailored to individual learning needs
  • Toll-free access to a customer information center and 24-hour automated voice response unit; customer service associates are available Monday - Friday 8:00 a.m. - 8:00 p.m. (Eastern Time)
  • Timely and detailed quarterly account statements
  • Informative newsletters
  • Dedicated representatives

    • If you have any questions about the Tennessee ORP or ING, please feel free to contact our Tennessee regional office at (800) 727-4313.

    You should consider the investment objectives, risks, charges and expenses of the variable products and the underlying fund options carefully before investing. The contract and fund prospectuses contain this and other information. You may obtain a prospectus by contacting your ING representative or the Company at the address listed below. Please read the information carefully before investing.

    Variable annuities are long-term investments for retirement. Withdrawals prior to age 59½ may be subject to a 10% IRS premature distribution penalty tax. Amounts distributed will be taxed as ordinary income in the year the money is received. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. Tax deferral is provided by your employer’s plan, not by the annuity, so investing in an annuity does not provide you 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.

     

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    Insurance products issued by ING Life Insurance and Annuity Company. Financial planning and securities offered through ING Financial Advisers, LLC (member SIPC), One Orange Way, Windsor, CT 06095-4774, or other broker/dealers with which it has a selling agreement.