Compare fairly with Historical Percentile Rates

Compare fairly with
Historical Percentile Rates
Values updated as of 7/7/2014
S&P 500® Indexed Strategy
1-Year Point to Point & 100% Participation Rate
Guaranteed Rate
(ie: Floor)
0%
1%
Crediting
Cap
Historical Percentile Rates
(20-year periods)
100th
90th
80th
14%
6.95%
7.75%
7.98%
13.50%
6.81%
7.58%
7.79%
13%
6.67%
7.40%
7.61%
12%
6.36%
7.00%
7.19%
11%
5.97%
6.57%
6.75%
10%
5.54%
6.11%
6.26%
14%
7.29%
8.03%
8.26%
13%
7.01%
7.68%
7.89%
12.50%
6.87%
7.48%
7.69%
12%
6.69%
7.29%
7.48%
11%
6.31%
6.86%
7.03%
10%
5.91%
6.41%
6.56%
Refer to history to create a
level playing field. You can
use historical percentile
rates to compare two very
different index strategies
and see how they would
have performed under the
same market conditions.
Important: Historical percentile rates do
not and should not be used to predict index
credit rates in the future. Past performance
does not guarantee future results.

Look inside
to see what
competitors are doing.
Values as of 6/30/2014 based on hypothetical Index Blocks for rolling 20-year periods beginning no earlier than
January 1980 and ending no later than June 2014. Values used for dates when markets are not open reflect Voya’s™
value fill methodology, which may not be consistent with actual competitor practices. Figures do not reflect asset
based charges.
Need a rate for a different strategy?
Let our calculator do the work on Voya Presents!
Hypothetical Index Strategy Calculator
For agent use only. Not for public distribution.
Hypothetical Index
Strategy Calculator
S&P 500® Indexed Strategy
1-Year Point to Point & 100% Participation Rate
Index Cap
Voya IUL-Global Choice

Find it on
Voya Presents under Tools.
13.50%
0%1
12.00%
0%3
12.50%
1.00%
11.50%
0%2
13.00%
0.25%9
BrightLife Grow
BrightLife Protect
10.00%
8.00%
0%
0%
Asset Builder Index UL
Foundation Builder Index UL
14.00%
0%
Accumulation IUL
Protection IUL
11.50%
0%5
13.00%
0%6
12.00%
11.00%
1.00%
1.00%
14.50%
13.50%
0%7
0%7
13.00%
10.00%
0%8
0%8
12.00%
0%
13.50%
0%7
12.00%
0%10
Penn Mutual
13.00%
1.00%
Principal National
12.00%
0%
Protective
9.50%
0%
Prudential
12.00%
0%
Transamerica
12.00%
0%
(Security Life of Denver
Insurance Company)
Voya IUL-Protector
(Security Life of Denver
Insurance Company)
Voya IUL-GDB
(Security Life of Denver
Insurance Company)
Allianz Life
LifePro+
American General
Elite Index II
Elite Global Plus II
AXA Equitable
Input the criteria
Genworth
John Hancock

Life of the Southwest
FlexLife
Lincoln Financial
LifeReserve® Indexed UL Accumulator
LifeReserve® Indexed UL Protector
Midland National
XL-CV4
XL-DB3 / XL-EC3
Minnesota Life
Eclipse
Eclipse Protector

Get instant results
Indexed
Guaranteed Rate
Nationwide
Nationwide YourLife ® Indexed UL
North American
Builder IUL
Guarantee Builder IUL III
Rapid Builder IUL II
Pacific Life
Pacific Indexed Accumulator 4
Pacific Index Performer LT
Prime IUL10
Accumulation Builder Choice IUL

Indexed Univeral Life Flex
One click away from a
consumer-approved presentation
to share with your client.
 Presentation
For agent use only. Not for public distribution.
Indexed Choice UL
PruLife Index Advantage UL
TransNavigator
Multiple Indexed Strategies
Historical
Percentile Rates
100th
90th
80th
Crediting
Method
Indexes and How
They’re Weighted
(
(
(
)
)
)
Participation
Rate
Index
Cap
Indexed
Guaranteed
Rate
Voya IUL-Global Choice
7.62%
9.37% 10.59%
5 Year Term
End Point
75% of best
S&P 500®
EURO STOXX 50 25% of next best
Hang Seng
0% of the least
90%
None
0%1
Voya IUL-Global Choice
8.49% 10.69% 11.63%
2 Year Term
End Point
75% of best
S&P 500®
EURO STOXX 50 25% of next best
Hang Seng
0% of the least
70%
None
0%1
Voya IUL-Global
7.48%
5 Year Term
End Point
75% of best
S&P 500®
EURO STOXX 50 25% of next best
Hang Seng
0% of the least
85%
None
1.00%
100%
16.00%
0%2
75% of best
S&P 500®
EURO STOXX 50 25% of next best
Hang Seng
0% of the least
85%
None
0%
(5-Year)
(2-Year)
9.22% 10.32%
DJIA
Annual point Barclays
to point
EURO STOXX 50
Russell 2000
35%
35%
20%
10%
Allianz Life
7.20%
7.81%
7.95%
American General
7.28%
8.97%
10.15%
6.61%
6.10%
7.01%
6.47%
7.27%
6.75%
S&P 500®
50% of best
Annual point
Russell 2000
30% of next best
to point
EURO STOXX 50 20% least
100%
11.50%
10.50%
0%7
S&P 500®
Annual point Russell 2000
to point
Barclays
EURO STOXX 50
100%
17.00%
14.00%
0%8
LifePro+
Elite Global Plus II
Midland National
XL-CV4
XL-DB3 / XL-EC3
Minnesota Life
Eclipse
Eclipse Protector
Nationwide
Nationwide YourLife
Indexed UL
®
Penn Mutual
Accumulation Builder
Choice IUL
Transamerica
TransNavigator
)
)
35%
10%
35%
20%
8.07%
7.48%
8.23%
7.60%
5.20%
6.30%
6.60%
Monthly
Averaging
50% of best
30% of next best
20% least
140%
12.00%
0%
100%
10.50%
0%7
100%
12.00%
0%10
100%
12.50%
1.00%
100%
14.00%
0%11
S&P 500®
DJIA
NASDAQ-100
(
(
)
)
6.10%
6.47%
6.75%
S&P 500®
50% of best
Annual point
Russell 2000
30% of next best
to point
EURO STOXX 50 20% least
5.27%
6.45%
6.71%
EURO STOXX 50 1/3 of best
Annual point
Hang Seng
1/3 of next best
to point
MSCI EM
1/3 least
6.67%
7.43%
7.57%
S&P Global
Annual point
Broad Market
to point
Index
7.59%
8.18%
8.48%
S&P 500®
50% of best &
Annual point
EURO STOXX 50 30% of next best
to point
Hang Seng
20%
Pacific Life
Pacific Indexed Accumulator 4
Pacific Index Performer LT
Prime IUL10
(
(
7.57%
6.99%
North American
Builder IUL
Guarantee Builder IUL III
Rapid Builder IUL II
5 Year Term
End Point
(
(
)
)
Explanation of Indexed Guaranteed Rates
Interest credited never less than 1.00% compounded annually over each segment term in the event of death or surrender.
I nterest credited never less than 1.50% to the Guaranteed Accumulation Value.
3
Interest credited never less than 2.00% compounded annually in the event of surrender or death.
4
A minimum interest rate of 2.00% is guaranteed on the earlier of policy termination or end of the 5 Year Indexed Strategy Term.
5
Interest credited never less than 2.00% compounded annually in the event of surrender.
6
Interest credited never less than 2.50% compounded annually in the event of death, surrender, or policy maturity.
7
3.00% average annual interest rate guaranteed on each eight-year term, on death, surrender, or policy maturity.
8
2.00% average annual interest rate guaranteed on death, surrender or policy maturity.
9
0.25% Guaranteed Interest is credited monthly to the Accumulation Value of the Index.
10
0.25% Pacific Life Prime IUL only has an Alternate Accumulated Value of 2.00% which will be used to determine the policy values at lapse, surrender, or death.
11
1.00% Cumulative Guaranteed Value is an alternate value that, if greater than the Policy Value, will be substituted for the Policy Value in lapse, surrender, and death benefit calculations.
1
2
For agent use only. Not for public distribution.
THESE POLICIES ARE FLEXIBLE PREMIUM ADJUSTABLE
UNIVERSAL LIFE INSURANCE POLICIES THAT OFFER
A DEATH BENEFIT TO THE BENEFICIARIES OF THE
POLICY AND MAY BE PURCHASED TO MEET LIFE
INSURANCE NEEDS. WHILE THE POLICY SURRENDER
VALUES MAY BE DETERMINED BY REFERENCE TO
AN INDEX-LINKED CREDITING STRATEGY, SUCH
SURRENDER VALUES SUPPORT THE DEATH BENEFIT
OFFERED UNDER THE POLICY. THESE POLICIES DO
NOT PARTICIPATE IN ANY INDEX FUND, STOCK, OR
EQUITY INVESTMENTS. THESE POLICES ARE NOT
VARIABLE CONTRACTS OR INVESTMENT CONTRACTS.
This document is not intended to be a complete
explanation of the policy, which must be consulted
for restrictions, definitions and details. The Voya Life
Companies and their agents do not give tax, legal,
accounting or lending advice. This information is general
in nature and your client should seek advice from their tax
and legal advisors regarding their individual situation.
Voya IUL-Global (policy form series #1180-12/09), Voya
IUL-Global Choice (policy form series #1186-09/12), and
Voya IUL-Protector (policy form series #1189-07/13) have
an equity indexed feature, vary by state, and may not be
available in every state. They are issued by Security Life
of Denver Insurance Company (Denver, CO), a member of
the Voya™ family of companies. Not available in New York.
The Index Cap and Index Participation Rate are subject to
change for new Index Blocks. All guarantees are based
on the financial strength and claims paying ability of
Security Life of Denver Insurance Company who is solely
responsible for the obligations under its own policies.
EURO STOXX 50® Index – An Index of blue-chip stocks
that are represented by 50 stocks covering the largest
sector leaders in the EURO STOXX 50® Index. It does
not reflect dividends payable on the underlying stocks.
STOXX Limited, Zurich, Switzerland and its licensors
(the “Licensors”) have no relationship to Security Life
of Denver Insurance Company (“Security Life”), other
than the licensing of the EURO STOXX 50® Index and
the related trademarks for use in connection with the
Voya Indexed Universal Life – Global Choice (“Voya
IUL-Global Choice”) insurance policy. STOXX and its
Licensors do not: (1) Sponsor, endorse, sell or promote
the Voya IUL-Global Choice policy; (2) Recommend that
any person invest in the Voya IUL-Global Choice policy
or any securities; (3) Have any responsibility or liability
for or make any decisions about the timing, amount or
pricing of the Voya IUL-Global Choice policy; (4) Have
any responsibility or liability for the administration,
management or marketing of the Voya IUL-Global Choice
policy; or (5) Consider the needs of the Voya IUL-Global
Choice policy or the owners of the Voya IUL-Global Choice
policy in determining, composing or calculating the EURO
STOXX 50® Index or have any obligation to do so.
The Hang Seng Index (the “Index”) is published and
compiled by Hang Seng Indexes Company Limited
pursuant to a license from Hang Seng Data Services
Limited. The mark and name “Hang Seng Index” are
proprietary to Hang Seng Data Services Limited. Hang
Seng Indexes Company Limited and Hang Seng Data
Services Limited have agreed to the use of, and reference


to, the Index by Security Life of Denver Insurance
Company (“Security Life”) in connection with this
Indexed universal life insurance policy (the “Policy”),
BUT NEITHER HANG SENG INDEXES COMPANY LIMITED
NOR HANG SENG DATA SERVICES LIMITED WARRANTS
OR REPRESENTS OR GUARANTEES TO ANY BROKER
OR HOLDER OF THE POLICY OR ANY OTHER PERSON
(i) THE ACCURACY OR COMPLETENESS OF THE INDEX
AND ITS COMPUTATION OR ANY INFORMATION RELATED
THERETO; OR (ii) THE FITNESS OR SUITABILITY FOR
ANY PURPOSE OF THE INDEX OR ANY COMPONENT OR
DATA COMPRISED IN IT; OR (iii) THE RESULTS WHICH
MAY BE OBTAINED BY ANY PERSON FROM THE USE OF
THE INDEX OR ANY COMPONENT OR DATA COMPRISED
IN IT FOR ANY PURPOSE, AND NO WARRANTY OR
REPRESENTATION OR GUARANTEE OF ANY KIND
WHATSOEVER RELATING TO THE INDEX IS GIVEN OR MAY
BE IMPLIED. The process and basis of computation and
compilation of the Index and any of the related formula or
formulae, constituent stocks and factors may at any time
be changed or altered by Hang Seng Indexes Company
Limited without notice. TO THE EXTENT PERMITTED BY
APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS
ACCEPTED BY HANG SENG INDEXES COMPANY LIMITED
OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT
OF THE USE OF AND/OR REFERENCE TO THE INDEX BY
SECURITY LIFE IN CONNECTION WITH THE POLICY; OR
(ii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES OR
ERRORS OF HANG SENG INDEXES COMPANY LIMITED
IN THE COMPUTATION OF THE INDEX; OR (iii) FOR ANY
INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR
INCOMPLETENESS OF ANY INFORMATION USED IN
CONNECTION WITH THE COMPUTATION OF THE INDEX
WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv)
FOR ANY ECONOMIC OR OTHER LOSS WHICH MAY BE
DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER
OR HOLDER OF THE POLICY OR ANY OTHER PERSON
DEALING WITH THE POLICY AS A RESULT OF ANY OF
THE AFORESAID, AND NO CLAIMS, ACTIONS OR LEGAL
PROCEEDINGS MAY BE BROUGHT AGAINST HANG SENG
INDEXES COMPANY LIMITED AND/OR HANG SENG DATA
SERVICES LIMITED IN CONNECTION WITH THE POLICY IN
ANY MANNER WHATSOEVER BY ANY BROKER, HOLDER
OR OTHER PERSON DEALING WITH THE POLICY. Any
broker, holder or other person dealing with the Policy
does so therefore in full knowledge of this disclaimer and
can place no reliance whatsoever on Hang Seng Indexes
Company Limited and Hang Seng Data Services Limited.
For the avoidance of doubt, this disclaimer does not
create any contractual or quasi-contractual relationship
between any broker, holder or other person and Hang
Seng Indexes Company Limited and/or Hang Seng Data
Services Limited and must not be construed to have
created such relationship.
S&P 500® Index – The S&P 500 Index is a product of
S&P Dow Jones Indices LLC (“SPDJI”), and has been
licensed for use by Security Life of Denver Insurance
Company (“Security Life”). Standard & Poor’s®, S&P®,
and S&P 500® are registered trademarks of Standard
& Poor’s Financial Services LLC (“S&P”) and these
trademarks have been licensed for use by SPDJI and
sublicensed for certain purposes by Security Life. This
indexed universal life insurance policy (this “Policy”) is
not sponsored, endorsed, sold or promoted by SPDJI,
S&P, any of their respective affiliates (collectively, “S&P
Dow Jones Indices”). S&P Dow Jones Indices makes
no representation or warranty, express or implied, to
the owners of the Policy or any member of the public
regarding the advisability of paying premiums for the
Policy or purchasing securities or the ability of the S&P
500 Index to track general market performance. S&P
Dow Jones Indices’ only relationship to Security Life
with respect to the S&P 500 Index is the licensing of the
Index and certain trademarks, service marks and/or trade
names of S&P Dow Jones Indices and/or its licensors. The
S&P 500 Index is determined, composed and calculated
by S&P Dow Jones Indices without regard to Security Life
or the Policy. S&P Dow Jones Indices have no obligation
to take the needs of Security Life or the owners of the
Policy into consideration in determining, composing or
calculating the S&P 500 Index. S&P Dow Jones Indices
are not responsible for and have not participated in the
determination of the prices, and amount of the Policy or
the timing of the issuance or sale of the Policy or in the
determination or calculation of the equation by which
the Policy is to be converted into cash, surrendered or
redeemed, as the case may be. S&P Dow Jones Indices
have no obligation or liability in connection with the
administration or marketing of the Policy. S&P Dow Jones
Indices LLC is not an investment advisor. Inclusion of a
security within an index is not a recommendation by S&P
Dow Jones Indices to buy, sell, or hold such security, nor
is it considered to be investment advice.
S&P DOW JONES INDICES DOES NOT GUARANTEE THE
ADEQUACY, ACCURACY, TIMELINESS AND/OR THE
COMPLETENESS OF THE INDEX OR ANY DATA RELATED
THERETO OR ANY COMMUNICATION, INCLUDING BUT
NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION
(INCLUDING ELECTRONIC COMMUNICATIONS) WITH
RESPECT THERETO. S&P DOW JONES INDICES SHALL
NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY
FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.
S&P DOW JONES INDICES MAKE NO EXPRESS OR
IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL
WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR
A PARTICULAR PURPOSE OR USE OR AS TO RESULTS
TO BE OBTAINED BY SECURITY LIFE, OWNERS OF THE
POLICY, OR ANY OTHER PERSON OR ENTITY FROM THE
USE OF THE INDEX OR WITH RESPECT TO ANY DATA
RELATED THERETO. WITHOUT LIMITING ANY OF THE
FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P
DOW JONES INDICES BE LIABLE FOR ANY INDIRECT,
SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL
DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF
PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL,
EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT,
STRICT LIABILITY, OR OTHERWISE. THERE ARE NO
THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR
ARRANGEMENTS BETWEEN S&P DOW JONES INDICES
AND SECURITY LIFE, OTHER THAN THE LICENSORS OF
S&P DOW JONES INDICES.
Call Your Voya Life Companies’ Representative or 866.464.7355.
Click Voya for Professionals at VoyaProfessionals.com.
Not FDIC/NCUA Insured | Not A Deposit Of A Bank | Not Bank Guaranteed | May Lose Value | Not Insured By Any Federal Government Agency
For agent use only. Not for public distribution. ©2014 Voya Services Company. All rights reserved. CN0210-15455-0216
160849 09/01/2014
Voya.com

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