hmm...the only thing you have to worry about as far as ING is their paying ability because they are the ones backing the 7% guarantee. Real account would just be market value. i doubt they only have proprietary funds in the VA...most likely they have other funds available as well. This type of product is more or less designed for protecting your nest egg and at the same time giving you the opportunity for an upside. if your comfortable with risk then this type of product wouldnt be for you - its one less % you have to worry about earning =)r
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