837010--4/2/2007--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 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 Company 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 our business or result in losses

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837010--4/2/2007--ING_LIFE_INSURANCE_&_ANNUITY_CO