837010--3/30/2006--ING_LIFE_INSURANCE_&_ANNUITY

related topics

{regulation, change, law}

{condition, economic, financial}

{loss, insurance, financial}

{capital, credit, financial}

{system, service, information}

{financial, litigation, operation}

{regulation, government, change}

{competitive, industry, competition}

Equity market volatility could negatively impact profitability and financial condition Changes in interest rates could have a negative impact on profitability and financial condition The continued threat of terrorism and ongoing military and other actions may result in decreases in the Company s net income, revenue and assets under management and may adversely affect the Company s investment portfolio. Changes in underwriting and actual experience could materially affect profitability A downgrade in the Company s ratings may negatively affect profitability and financial condition Competition could negatively affect the ability to maintain or increase profitability Changes in federal income tax law could make some products less attractive to contractowners and increase tax costs Litigation may adversely affect profitability and financial condition Changes in regulation in the United States and recent regulatory investigations may reduce profitability Changes in accounting standards issued by the Financial Accounting Standards Board or other standard-setting bodies may adversely affect profitability and financial condition A failure of the Company s operating systems or a compromise of their security could adversely affect the Company s results of operation and financial condition.

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837010--3/30/2006--ING_LIFE_INSURANCE_&_ANNUITY_CO