EX-10 12 exhibit24b53.htm EXHIBIT 24(B)(5.3) exhibit24b53.htm - Generated by SEC Publisher for SEC Filing

Exhibit 24(b)(5.3):  Variable annuity Application (164194 (10/14)(NRR)

VARIABLE ANNUITY APPLICATION   
 
 
ReliaStar Life Insurance Company   [VOYA LOGO]
(the “Company”)     
[A member of the VoyaTM family of companies]     
[Home Office: 20 Washington Avenue South, Minneapolis, MN 55401-1900   
Customer Service Administrative Address: PO Box 5050, Minot, ND 58702-5050]   
 
IMPORTANT NOTICES     
[Below are notices that apply only in certain states. Please read the following carefully to see if any apply in your state. 
California Reg. 789.8: The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to 
fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result 
of the sale or liquidation. You or your agent may wish to consult independent legal or financial advice before selling or liquidating 
any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold. 
Illinois Civil Union Notice: Effective June 1, 2011, for contracts issued in Illinois, the Company is in compliance with the Illinois 
Religious Freedom Protection and Civil Union Act (Public Act 96-1513) to the extent allowed under Federal Law. 
Illinois Public Act 96-1513 (“The Act”) provides that civil union couples as defined in the Act are entitled to the same legal obligations, 
responsibilities, protections and benefits that are afforded or recognized by the laws of Illinois to spouses in a marriage. 
Under Federal Law, however, certain favorable federal tax treatment available to spouses that are married is not available to 
partners in a civil union, e.g. spousal continuation. If you are a civil union partner, we suggest that you consult with a tax advisor 
prior to purchasing an annuity contract, such as this one, which provides spousal benefits.   
Oklahoma: WARNING - Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for 
the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. 
Washington: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the 
purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. 
 
Washington, DC: WARNING - It is a crime to provide false or misleading information to an insurer for the purpose of defrauding 
the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits 
if false information materially related to a claim was provided by the applicants.   
Arkansas and Tennessee: Any person who knowingly and with intent to injure, defraud or deceive any insurance company, 
submits an application for insurance containing any materially false, incomplete, or misleading information, or conceals for 
the purpose of misleading, any material fact, is guilty of insurance fraud, which is a crime and in certain states, a felony. 
Penalties may include imprisonment, fine, denial of benefits, or civil damages.]   
 
 
MAILING INSTRUCTIONS     
[Make checks payable to: ReliaStar Life Insurance Company   
 
If sending only an application, mail to:     
 
Standard Mail:  Overnight Delivery:   
ReliaStar Life Insurance Company  ReliaStar Life Insurance Company   
PO Box 5050  2000 21st Ave. NW   
Minot, ND 58702-5050  Minot, ND 58703   
 
If sending both check and application, mail to:     
Standard Mail:  Overnight Delivery:   
ReliaStar Life Insurance Company  ReliaStar Life Insurance Company   
PO Box 2280  Box 2280   
New York, NY 10116  4 Chase Metrotech Center, 7th Floor   
  New York, NY 11245]   
 
 
 
 
164194(10/14)(NRR)  Page 1 of 6 - Incomplete without all pages.  Order #169189 01/01/2015 
    TM: TSANBVAR/INDEX 

 


 

 

VARIABLE ANNUITY APPLICATION     
 
ReliaStar Life Insurance Company     [VOYA LOGO]
(the “Company”)       
[A member of the VoyaTM family of companies]       
[Home Office: 20 Washington Avenue South, Minneapolis, MN 55401-1900     
Customer Service Administrative Address: PO Box 5050, Minot, ND 58702-5050]   
1. ANNUITANT (Must be the same as Owner for TSA, IRA, Roth IRA, or Roth 403(b).)   
Name    Birth Date   
Street Address (Required)    SSN (Required) 
PO Box (if applicable)    Sex ¨ Male  ¨ Female 
City    Phone   
State  ZIP  Alternate Phone 
Joint Annuitant (Does not apply to TSA, IRA, Roth IRA or 457.)     
Name    Birth Date   
Street Address (Required)    SSN (Required) 
PO Box (if applicable)    Sex ¨ Male  ¨ Female 
City    Phone   
State  ZIP  Alternate Phone 
2. OWNER (Complete this section if applicable to selected contract and owner is different than Annuitant. If owner is 
different from annuitant, also provide owner’s signature in section 12 of application. If a non-natural owner, please provide 
proper documents; e.g., first and last page of trust, corporate resolution, etc.)     
Name    Birth Date   
Street Address (Required)    SSN/TIN (Required) 
PO Box (if applicable)    Sex ¨ Male  ¨ Female 
City    Phone   
State  ZIP  Alternate Phone 
Joint Owner (Does not apply to TSA, IRA, Roth IRA or 457.)     
Name    Birth Date   
Street Address (Required)    SSN/TIN (Required) 
PO Box (if applicable)    Sex ¨ Male  ¨ Female 
City    Phone   
State  ZIP  Alternate Phone 
 
 
 
 
164194(10/14)(NRR)  Page 2 of 6 - Incomplete without all pages.  Order #169189 01/01/2015 
      TM: TSANBVAR/INDEX 

 



3. BENEFICIARY(S) (Must be completed unless the annuity is part of a Plan subject to the Employee Retirement Income 
Security Act of 1974 (ERISA). Beneficiaries of ERISA plans must be designated using the [Beneficiary Election/Change Request 
- ERISA form.)]                    
Beneficiary proceeds will be split equally if no percentages are provided.         
Note: For Non-qualified contracts, if there are Joint Owners, death proceeds are paid first to the surviving Joint Owner. 
Primary Beneficiary                   
Name          Birth Date      Percent  % 
SSN/TIN      Sex  ¨ Male  ¨ Female  Relationship to Annuitant   
Address                     
City    State      ZIP        Phone   
¨ Primary  ¨ Contingent Beneficiary                 
Name          Birth Date      Percent  % 
SSN/TIN      Sex  ¨ Male  ¨ Female  Relationship to Annuitant   
Address                     
City    State      ZIP        Phone   
¨ Primary  ¨ Contingent Beneficiary                 
Name          Birth Date      Percent  % 
SSN/TIN      Sex  ¨ Male  ¨ Female  Relationship to Annuitant   
Address                     
City    State      ZIP        Phone   
¨ Primary  ¨ Contingent Beneficiary                 
Name          Birth Date      Percent  % 
SSN/TIN      Sex  ¨ Male  ¨ Female  Relationship to Annuitant   
Address                     
City    State      ZIP        Phone   
Use the space in section 4 if you need to list more Beneficiaries. Be sure to designate whether additional Beneficiaries 
are Primary or Contingent.                   
4. SPECIAL INSTRUCTIONS (If necessary, attach a sheet signed and dated by the owner(s) containing any additional instructions.) 
 
 
 
 
5. PRODUCT SELECTION AND PLAN TYPE               
All products and plan types may not be available in all states.             
Place a check mark in the box corresponding to your product and plan type selection.       
[Product/Plan Type  TSA  Roth 403(b)  457  Non-Qualified  IRA  SEP-IRA  Roth IRA 
Voya Advantage Century                   ]
[If you have elected a Roth 403(b), indicate the first year you made a contribution to any previously established Roth 403(b) account 
in your employer’s plan: ____________. If no year is provided, we will use the first year a payment is applied to this contract.] 
164194(10/14)(NRR)      Page 3 of 6 - Incomplete without all pages.    Order #169189 01/01/2015 
                    TM: TSANBVAR/INDEX 

 



6. DEATH BENEFIT OPTION           
[One Year Step Up Death Benefit Option (Not available in all states.)     
A standard death benefit is available with the contract. Please check below if you want the optional One Year Step Up Death 
Benefit. See the prospectus for details. A death benefit option may not be terminated or changed. 
¨ One Year Step Up Death Benefit (This will replace the standard death benefit.)]   
 
7. REPLACEMENT (Must be completed.)         
Will the annuity contract applied for replace any existing life insurance policy or annuity contract? ¨ Yes ¨ No 
If “Yes”, please complete and return with this application a copy of your state’s replacement form, as provided by your insurance 
producer.           
 
8. EMPLOYER (Must be completed for TSA, Roth 403(b), and 457.)     
Employer Name           
 
Contact Name        Phone   
 
Mailing Address           
City        State  ZIP 
 
9. PAYMENT AND BILLING INFORMATION (Select all options that apply.)     
Initial Purchase Payment will be made by:         
¨ Check (attached) $      ¨ Other Source of Payment  $ 
Applicable Tax Year (IRA/Roth IRA only):    Describe:     
¨ Exchange/Transfer/Rollover           
 
Purchase Payments (The Company does not accept purchase payments using money orders for amounts over $5,000 and 
may reject payments made by cashier’s check, bank drafts, bank checks and treasurer’s checks. All purchase payment checks 
must be made payable to ReliaStar Life Insurance Company.)     
¨ Monthly Electronic Fund Transfer (EFT). (Does not apply to TSA or 457. Attach EFT request.)   
The purchase payments are:  Payment Amount  X  # of Payments =  Annual Purchase Payment 1st Remittance Date 
1. ¨ Employee Contributions  1.      $ 
2. ¨ Employer Contributions  2.      $ 
  Total Annual Purchase Payment (12-month  $ 
  Period Only)         
A Salary Reduction Agreement or Amendment to Employment Contract is required for 403(b), Roth 403(b) and 457 plans. 
 
10. AUTOMATIC TELEPHONE PRIVILEGES         
I understand that unless I decline, telephone privileges are automatically provided to me, my insurance producer/registered 
representative, and his/her assistant. After an authorized person has discussed any changes with me, telephone privileges 
allow the authorized person to call the Company to perform certain transactions as specified in the current prospectus. The 
Company may use procedures to ensure instructions received by telephone are genuine, such as requiring forms of personal 
identification and tape recording phone calls. The Company and its distributor will not be liable for any loss, damage, costs or 
expenses incurred in acting on telephone instructions reasonably believed to be authentic. I understand that if I do not want to 
authorize telephone privileges, I must indicate below. I also understand that once granted, such privileges can be revoked only 
upon receipt of signed, written instructions at the Company.       
¨ I do not want telephone privileges for myself or my insurance producer/registered representative and/or the registered 
representative’s assistant.         
¨ I do not want telephone privileges granted to my insurance producer/registered representative and/or the registered 
representative’s assistant.         
 
 
164194(10/14)(NRR)  Page 4 of 6 - Incomplete without all pages.  Order #169189 01/01/2015 
          TM: TSANBVAR/INDEX 

 



11. ALLOCATING INITIAL PURCHASE PAYMENTS TO THE INVESTMENT OPTIONS   
[This application must be accompanied by a copy of the Variable Annuities Portfolio Allocation and Transfer Request. We will 
allocate your purchase payments among the investment options you select on the Variable Annuities Portfolio Allocation and 
Transfer Request. The proposed Owner understands that if he/she is entitled to a refund of the purchase payments made upon 
the revocation of a contract during the free look period, then all purchase payments made until five days after the end of the 
free look period will be allocated to the Money Market subaccount identified in the prospectus, and then transferred to the Fixed 
Account(s) and/or the subaccounts as designated on the Variable Annuities Portfolio Allocation and Transfer Request.] 
 
12. APPLICANT SIGNATURES AND ACKNOWLEDGEMENTS (Please read carefully and sign below.) 
Important Information: To help the government fight the funding for terrorism and money laundering activities, federal law 
requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 
What this means to you: When you apply for an annuity, we will ask for your name, address, date of birth, and other information 
that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. 
 
I agree that, to the best of my knowledge and belief, all statements and answers in this form are complete and true 
and may be relied upon in determining whether to issue the applied for variable annuity. Only the owner and ReliaStar 
Life Insurance Company have the authority to modify this form. I also represent that the Social Security Number or Tax 
Identification Number shown on this form is correct.   
Make checks payable ONLY to ReliaStar Life Insurance Company. Do not make checks payable to the insurance producer, 
an agency or another company. Only the President, Vice President, or Secretary of ReliaStar Life Insurance Company 
may modify, discharge or waive any of its rights under the contract.   
Variable Annuities and the underlying series shares or securities which fund them are not insured by the FDIC or any 
other agency. They are not deposits or other obligations of any bank and are not bank guaranteed. They are also subject 
to market fluctuation, investment risk and possible loss of principal invested.   
Annuity payouts and contract values under a variable annuity are variable and are not guaranteed as to fixed dollar 
amounts.     
I understand that when based on the investment experience of the Separate Account, the variable annuity cash surrender 
values may increase or decrease on any day and that no minimum value is guaranteed. The variable annuity applied for 
is in accord with my anticipated financial objectives.   
 
ACKNOWLEDGEMENT OF PROSPECTUS RECEIPT   
 
By signing below, I acknowledge receipt of the Variable Annuity Contract Prospectus.   
 
ACKNOWLEDGEMENT OF 403(b) WITHDRAWAL RESTRICTIONS   
For employees purchasing a 403(b) contract: I understand the Internal Revenue Code restrictions on withdrawals 
from a 403(b) tax-deferred annuity, which generally prohibit withdrawals prior to my death, disability, attainment 
of age 59 1/2, severance from employment or financial hardship. More specific information about these restrictions 
can be found in the Withdrawal (redemption) section of the Prospectus or the Withdrawals section of the contract. I 
understand these restrictions do not apply to exchanges to other investment alternatives under my Employer’s 403(b) 
Plan, transfers made to another Employer’s 403(b) plan or transfers made to a governmental defined benefit plan to 
purchase service credit unless further restricted by my Employer’s 403(b) written plan.   
 
 
 
Signed at (Both city & state required)  Date (Required)   
 
Annuitant Signature     
 
Joint Annuitant Signature (if applicable)     
 
Owner Signature (if different from Annuitant)  Title   
 
Joint Owner Signature (if applicable)     
 
 
 
 
164194(10/14)(NRR)  Page 5 of 6 - Incomplete without all pages.  Order #169189 01/01/2015 
    TM: TSANBVAR/INDEX 

 



13. INSURANCE PRODUCER INFORMATION AND SIGNATURE       
To your knowledge, will the annuity contract applied for replace any existing life insurance policy or annuity contract?   
¨ Yes ¨ No           
If “Yes”, please complete and return with this application a copy of your state’s replacement form.   
Customer Identification (Choose one.)         
¨ I certify that I personally met with the proposed owner(s) and reviewed government issued identification documents. To the 
best of my knowledge it accurately reflects the identity of the proposed owner(s).     
¨ I was unable to personally review the customer’s identification documents for the reason stated below. I certify that, to the 
best of my knowledge, the information provided by the owner(s) is true and accurate.     
Reason           
Note: Failure to review the identification documents may delay the application process. The insurance producer or owner may be 
contacted to provide additional information to validate the identity above.       
I understand that misrepresentations in connection with this or other certifications in the Company’s application documents may 
result in disciplinary action, termination, civil action, or prosecution for violation of state or federal criminal laws.   
[Compensation Alternative (Choose one. The insurance producer is responsible for selecting the commission option desired. 
Commission options may differ by product; refer to the compensation schedule or internal exchange guidelines compensation grid 
for a description of the available options. If no option is selected, we will use the default option as it appears on your compensation 
schedule.)           
¨ Option A ¨ Option B  ¨ Option D ¨ Option I  ¨ Other   ]    
Note: All insurance producers must sign below if compensation will be split. Compensation will be split equally if no percentages 
are indicated. Partial percentages will be rounded up. Insurance producer #1 will be given the highest percentage in the case of 
unequal percentages. Insurance producer #1 will receive all correspondence regarding the contract.   
By signing below you certify: 1) that you have truly and accurately recorded on the application the information provided by the 
applicant, 2) any sales material was shown to the applicant and a copy was left with the applicant, 3) you used only insurer- 
approved sales material, 4) you have not made statements that differ from the sales material, and 5) no promises were made about 
the future value of any contract elements that are not guaranteed. (This includes any expected future index gains that may apply 
to this contract.)           
Insurance Producer #1           
Name (Print)    Signature       
Insurance Producer #  Insurance Producer Profile Code1  Split (Complete even if 100%.)  % 
Insurance Producer #2           
Name (Print)    Signature       
Insurance Producer #  Insurance Producer Profile Code1  Split  % 
Insurance Producer #3           
Name (Print)    Signature       
Insurance Producer #  Insurance Producer Profile Code1  Split  % 
1 If not provided, we will default to an “as earned” profile code.       
 
BROKER/DEALER USE ONLY (Not to be completed by insurance producer.)     
Dealer Name  Branch Office    Dealer Symbol   
Authorized Signature           
 
 
 
 
164194(10/14)(NRR)  Page 6 of 6 - Incomplete without all pages.  Order #169189 01/01/2015 
        TM: TSANBVAR/INDEX