I purchased my policy when it was Reliastar, before ING bought them out, but the service I've had with ING has been good. (Thank god, I haven't had to use the insurance) Can't say my kids think the same. The rates were decent when purchased and that was about 15 years ago on a 25 yr term. Primarily this policy was purchased as a burial insurance protection policy only. I'm happy with the product, service and the rates.