837010--3/31/2008--ING_LIFE_INSURANCE_&_ANNUITY

related topics

{condition, economic, financial}

{loss, insurance, financial}

{regulation, government, change}

{regulation, change, law}

{system, service, information}

{operation, natural, condition}

{financial, litigation, operation}

{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 Changes in underwriting and actual experience could materially affect profitability The Company s results of operations and financial condition may be adversely affected by general economic and business conditions or adverse capital market conditions that are less favorable than anticipated Competition could negatively affect the ability to maintain or increase profitability Changes in federal income tax law or interpretations of existing tax law could affect profitability and financial condition by making some products less attractive to contractowners and increasing tax costs of contractowners or the Company Litigation may adversely affect profitability and financial condition Changes in regulation in the United States and recent regulatory investigations may reduce profitability The Company s products are subject to extensive regulation and failure to meet any of the complex product requirements may reduce profitability A failure of the Company s operating systems or a compromise of security with respect to operating systems or portable electronic devices could adversely affect the Company s results of operations and financial condition The occurrence of natural or man-made disasters may adversely affect the Company s results of operations and financial condition The occurrence of unidentified or unanticipated risks could negatively affect the Company s business or result in losses

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837010--3/31/2008--ING_LIFE_INSURANCE_&_ANNUITY_CO