What Is Reliastar Life Insurance Company? 
ReliaStar is a life insurance company under ING . ING-ReliaStar primarily focuses on ING 's term life insurance programs , TermSmart and ROP Endowment Term -LRB- ROP stands for Return of Premium -RRB- . The TermSmart programs will generally offer the lowest rates for ING 's term insurance programs . ING offers permanent life insurance programs are under their ING-Security Life Of Denver title . 