Exhibit 99.B.4.29
	ING Life Insurance and Annuity Company
	ENDORSEMENT
The Contract and Certificate are hereby endorsed as follows:
·	For Contracts issued prior to September 1, 2004, the Guaranteed GA Account Interest Rates (Guaranteed
	Rates) provision under the Guaranteed Accumulation Account (GA Account) section is deleted and replace
	it with the following:
	Guaranteed GA Account Interest Rates (Guaranteed Rates) - the Company will declare all interest rate(s)
	applicable to a specific Term at the start of the Deposit Period for that Term. These rate(s) are guaranteed by
	the Company for that Deposit Period and the ensuing Term and are not based on the actual investment
	experience of the underlying assets in the GA Account. The Guaranteed Rates are annual effective yields.
	The interest is credited daily at a rate that will produce the guaranteed annual effective yield over the period of
	a year. For Certificates issued under the Contract on or after September 1, 2004, no annual rate will ever be
	less than 3%. For Certificates issued under the Contract prior to September 1, 2004, no annual interest rate
	will ever be less than 4%.
	For Term(s) of one year or less, one Guaranteed Interest Rate is set and announced for that full Term. For
	other Terms, there may be two or more rates. All of these rate(s) may be set and announced prior to the
	Deposit Period for that Term and will not be subject to change.
·	For Contracts and Certificates issued on or after September 1, 2004, the Guaranteed GA Account Interest
	Rates (Guaranteed Rates) provision under the Guaranteed Accumulation Account (GA Account) section is
	deleted and replace it with the following:
	Guaranteed GA Account Interest Rates (Guaranteed Rates) - the Company will declare all interest rate(s)
	applicable to a specific Term at the start of the Deposit Period for that Term. These rate(s) are guaranteed by
	the Company for that Deposit Period and the ensuing Term and are not based on the actual investment
	experience of the underlying assets in the GA Account. The Guaranteed Rates are annual effective yields.
	The interest is credited daily at a rate that will produce the guaranteed annual effective yield over the period of
	a year. No annual rate will ever be less than 3%.
	For Term(s) of one year or less, one Guaranteed Interest Rate is set and announced for that full Term. For
	other Terms, there may be two or more rates. All of these rate(s) may be set and announced prior to the
	Deposit Period for that Term and will not be subject to change.
·	For Contracts issued prior to September 1, 2004, the Guaranteed Interest Rate – Fixed Account section is
	deleted and replaced with the following
	The Company will add interest daily to all amounts held in the Fixed Account. For each calendar year, the
	Company will set a minimum guaranteed annual interest rate which will apply to all amounts held in the
	Fixed Account during the calendar year. For Certificates issued under the Contract on or after September
	1, 2004, no annual rate will ever be less than 3%. For Certificates issued under the Contract prior to
	September 1, 2004, no annual interest rate will ever be less than 4%. This one year minimum guaranteed
	interest rate will be established prior to each calendar year and will be made available to the Contract
	Holder in advance of the calendar year. The Company, in its discretion, may credit interest at a rate
	greater than this one year rate. The Company will make available to the Contract Holder the rate currently
	being credited to amounts held in the Fixed Account.

ENYSTINTM (9/04)                                                         1

·	For Contracts issued on or after September 1, 2004, the Guaranteed Interest Rate – Fixed Account section is
	deleted and replaced with the following
	The Company will add interest daily to all amounts held in the Fixed Account. For each calendar year, the
	Company will set a minimum guaranteed annual interest rate which will apply to all amounts held in the
	Fixed Account during the calendar year. No annual rate will ever be less than 3%. This one year
	minimum guaranteed interest rate will be established prior to each calendar year and will be made
	available to the Contract Holder in advance of the calendar year. The Company, in its discretion, may
	credit interest at a rate greater than this one year rate. The Company will make available to the Contract
	Holder the rate currently being credited to amounts held in the Fixed Account.
·	For Certificates issued on or after September 1, 2004, the Fixed Account definition in the General Definitions
	section is deleted and replaced with the following:
	An accumulation option with a guaranteed minimum interest rate of 3%. The Company may credit a higher
	rate which is not guaranteed.
	Endorsed and made part of the Contract and Certificate on the later of September 1, 2004 or on the effective date of the
	Contract or Certificate.
	/s/ Keith Gubbay
	President
	ING Life Insurance and Annuity Company

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