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Northern Life - Life Insurance

Northern Life Insurance Company

Welcome to Northern Life Online, where you'll find everything you need to plan for a successful financial future. To navigate, simply click on one of the categories at left or above and you'll be on your way!

Northern Life Insurance Company, now also known as ING Northern Annuity, has been in the business of providing financial security since 1906. Northern Life introduced the first package policy combining life, accident, and health insurance. Northern Life were one of the first ten companies to develop a universal life product. And Northern Life were a pioneer in the 403(b) tax-sheltered annuity market.

Today, Northern Life have statutory assets of more than $7 billion and are among the nation’s leading providers of 403(b) plans for kindergarten through 12th grade educators. Over the years, Northern Life have helped hundreds of thousands of policyholders retire with peace of mind. Your ING Northern Annuity representative Security. That’s what you’re seeking when you put your money into a fixed annuity. You’re looking for a product where your money can accumulate safely until you need it. As an ING company, Northern Life make your security their number one priority. Of course, a fixed annuity is only as secure as the company that stands behind it. That’s why you’ve got to be sure you choose a product from a company with financial strength you can trust.

Northern Life - Tax-Sheltered Annuities (TSAs)

TSAs are special kinds of retirement plans allowed under Section 403(b) of the Internal Revenue Service Code. TSAs are payroll deduction plans designed to help allow educators and other employees of non-profit organizations to place up to a stated percentage of an their salaries into qualified pension programs. This income is free from current income taxes, and the investment income accumulates tax deferred.

This type of annuity is well suited for conservative investors who don't need current income and want to save for the longer term. A TSA might be a better choice than a CD because earnings accumulate tax-deferred.

Individual Retirement Accounts (IRAs)

An IRA is an investment account that encourages regular savings and offers tax advantages as well. These savings and tax breaks can help you achieve a financially secure retirement.

If you have job-related income or if you receive alimony, you can contribute to an IRA account. You may qualify for a traditional IRA that offers two tax breaks. First, you can invest up to $2,000 a year in an IRA ($4,000 a year for married couples) and not pay any tax on the IRA earnings until you begin taking money out in retirement. Second, depending on your income, you may be able to deduct IRA contributions from your current income, lowering your tax liability. As an example, if you make $2,000 of deductible contrutions to an IRA and are in the 31 percent tax bracket, you will save $620 on current-year taxes, provided you income does exceed certain limits.

These tax savings can help you reach your goal of financial security. The tax-shelter feature of an IRA allows you IRA earnings to compound more quickly than money put away in most taxable investments.

Roth IRAs

Like a traditional IRA, Roth IRA's earnings grow tax-deferred. Roth IRAs, however, are not tax deductible. This means you pay taxes on the earnings now, and get the painful part out of the way.

You give up the tax deductions now that the traditional deductible IRA offers. But over the long haul, the Roth IRA may bring you significantly higher after-tax retirement savings. With the Roth IRA you pay taxes at your current rate before your assets grow significantly. When you retire and start withdrawals, you keep all the money you have earned.

A Roth IRA can be especially beneficial if your tax bracket will stay the same or rise after your retirement.

Northern Life - Variable Annuities

Variable annuities allow investors to accumulate money for retirement using professionally managed investment options with varying objectives and risk levels.

Investors choose the underlying options that best suit their needs and move from one to another as personal needs change.

In the case of Northern Life's variable annuity - The Northern Life Advantage - investors choose from twenty-seven leading investment options from six leading fund managers: Fidelity Management and Research Co., Fred Alger Management, Inc., Janus Capital Corp., Northstar Investment Management Corp., Neuberger & Berman Management, Inc., and OpCap Advisors.

Equity-Indexed Annuities

Equity-Indexed Annuities help you build a more secure financial future by combining the safety and guarantees of an annuity with the upside potential of earning interest rates linked, in part, to increases in a stock index. In the case of Northern Life's FutureLink equity-indexed annuity, interest rates are linked, in part, to the Standard & Poor's 500 Composite Price Index. FutureLink offers tax-deferred growth, a guaranteed minimum value and protection of principal, a joint life income option, and estate planning probate advantages.

With FutureLink, you also get the security of a guaranteed 3% minimum interest rate credited on 90% of your total purchase payments.




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