The insurer financial strength rating on Security Life of Denver Insurance Co., which is a member of ING America Insurance Group (INGA), reflects the diversity of INGA's products and distribution, the prominence of its market position in virtually all their lines of business, its core position in the global operations of the ING Group (INGNV), the relative success that it has had as an organization in dealing with the volatility of the credit and equity markets over the last three years, and the ongoing financial support provided by its European parent. Offsetting these positive factors to some extent are the ongoing challenges associated with the sale of accumulation products in the current market; the challenges associated with the need to