SUPPLEMENT Dated February 2, 2009

To The Prospectus Dated April 28, 2008

For Variable Annuity Contracts

Issued By ING USA Annuity and Life Insurance Company 

Through Its Separate Account B

This supplement updates the prospectus. Please read it carefully and keep it with your copy of the
prospectus for future reference. If you have any questions, please call our Customer Contact Center
at 1-800-366-0066.

Contracts issued in Florida are not subject to the changes to the death benefits and the Minimum
Guaranteed Income Benefit (MGIB) rider reflected in the supplement dated December 31, 2008.

FL Supplement – 152704  02/02/09