You found an old statement with the name ReliaStar Life Insurance, or maybe it says ING, and you have no idea who actually holds your policy today. That confusion is common, and it is also risky, because a policy you cannot log in to is a policy you cannot easily update, pay, or claim against.
What Is ReliaStar Life Insurance Today?
ReliaStar Life Insurance Company is a life insurance company that was founded in 1885. The company became part of ING in 2000 and it was literally named under the Voya Financial brand that is starting in 2014 according to Voya Financial’s investor relations announcement. Individual life insurance policies originally sold under the ReliaStar or ING name are now serviced by Resolution Life, after Voya sold its individual life insurance business to Resolution Life Group Holdings on January 4, 2021, Group and workplace benefit plans issued through ReliaStar are still handled directly by Voya.
Who Is ReliaStar Life Insurance Company?
ReliaStar Life Insurance Company started in 1885 as Northwestern National Life Insurance Company in Minneapolis, Minnesota. Several affiliated carriers, including Northern Life Insurance Company, were unified under the ReliaStar brand in 1995.
A related entity, ReliaStar Life Insurance Company of New York, was founded separately in 1917 and is based in Woodbury, New York, according to company records compiled by AnnuityAdvantage. Both companies issued term life insurance, universal life insurance, and annuity products through independent agents and financial professionals for more than a century.
Is ReliaStar the Same Company as ING and Voya Financial?
Yes, but the relationship changed in stages, and each stage matters a lot if you are trying to track down a policy. ING Groep N.V. acquired ReliaStar Financial Corporation in 2000, which is why many of the older policies carry the ING name instead of ReliaStar or Voya.
ING U.S. completed its initial public offering in May 2013 and began rebranding as Voya Financial through 2014, with the parent holding company officially changing its name on April 7, 2014, according to Voya Financial’s investor relations page. ReliaStar Life Insurance Company remained a subsidiary throughout this transition and still exists today as part of Voya’s corporate structure.
ReliaStar Life Insurance Ownership Timeline
Year | Event | Entity Name in Use |
1885 | Company founded in Minneapolis | Northwestern National Life Insurance Company |
1995 | Affiliated carriers unified under one brand | ReliaStar Life Insurance Company |
2000 | ING Groep N.V. acquires ReliaStar Financial Corporation | ING (ReliaStar as subsidiary) |
2013 | ING U.S. completes its initial public offering | ING U.S., Inc. |
2014 | Rebranding to the Voya name completed | Voya Financial, Inc. |
2018 | Voya exits new individual life insurance sales | Voya Financial, Inc. |
2021 | Individual life and legacy annuity block sold | Resolution Life Group Holdings |
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How Do I Log In to My ReliaStar or Voya Life Insurance Policy?
The right login depends on what type of policy you have. If you bought an individual life insurance policy directly, whether it was originally issued under ReliaStar, ING, or early Voya branding, that policy is now serviced through the Resolution Life customer portal at customer.resolutionlife.us, not through Voya’s website.
To register, you need your Social Security number or Tax ID number and your policy number, which you can find on your most recent statement, according to Resolution Life’s own registration page. If your coverage came through an employer, such as group life, disability, or supplemental health benefits, that account is still managed directly by Voya, not Resolution Life.
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Where to Go Based on Your Policy Type
Policy Type | Who Services It | Contact | Login Portal |
Individual life insurance (ReliaStar, ING, or legacy Voya) | Resolution Life | 877-886-5050, Monday to Friday | |
Claims on an individual life policy | Resolution Life | 888-238-4840 | |
Employer-sponsored group life, disability, or supplemental benefits | Voya Financial | 800-955-7736 (group life/disability) or 877-236-7564 (supplemental health) | |
Retirement plans and annuities issued through ReliaStar | Voya Financial | 877-884-5050 |
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Is ReliaStar Life Insurance Financially Strong and Legitimate?
Yes. ReliaStar Life Insurance Group, which includes both ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York, holds a Financial Strength Rating of A and a Long-Term Issuer Credit Rating of “A Plus” from AM Best, with a stable outlook, as affirmed on April 15, 2026. AM Best is the primary credit rating agency that evaluates the ability of insurance companies to meet the ongoing policyholder obligations.
What Types of Life Insurance Did ReliaStar and Voya Offer?
ReliaStar and its successor entities issued several categories of individual life insurance before Voya exited new individual sales at the end of 2018. Term life insurance provided coverage for a fixed period with a set premium, while universal life insurance and variable universal life insurance combined a death benefit with a cash value component that could grow over time.
Some policies were structured as survivorship, or second-to-die, universal life, which pays a death benefit after both insured individuals have died and is often used in estate planning. Underwriting for these policies determined the premium based on factors like age, health, and the amount of the death benefit, with beneficiaries named to receive the payout.
How Do I File a Claim or a Complaint?
To file a claim on an individual ReliaStar or ING legacy life insurance policy, contact Resolution Life directly at 888-238-4840, since this is the current claims administrator for that block of business. Have the policy number, the deceased policyholder’s information, and a certified death certificate ready, as these are standard requirements across the life insurance industry for processing a death benefit claim.
If a claim or service issue is not resolved to your satisfaction, then you can file a complaint with your state’s Department of Insurance or reference the complaint index that is maintained by the NAIC. Which tracks complaint volume relative to company size across the industry. Keeping a written record of every call, including the date and the representative’s name will make this process easier if you need to escalate later.
Still Trying to Sort Out an Old Policy or Compare Current Coverage?
Tracking down which company services a decades-old life insurance policy can take a few phone calls, and that is normal given how many times these companies have changed hands.Â
If you are also weighing whether your current coverage still fits your needs, or you are starting fresh because an old individual policy is no longer being sold, Mlife insurance can walk you through current options without any pressure to switch anything before you are ready.
FAQS
For ReliaStar life insurance questions, you can call 877-886-5050, Monday through Friday, 9 a.m. to 7 p.m. ET.
They are closely connected, but not exactly the same. ReliaStar is an insurance company within the Voya family of companies.
You can start through Voya’s online account services. However, some individual life policies are now handled by Resolution Life, so check your policy documents for the correct provider.
It depends on your Voya product. You may be able to withdraw or surrender funds, but taxes, fees, and policy rules can apply. Check your account or contact Voya first.
Joyce Espinoza, Expert Life Insurance Agent
Joyce Espinoza is a trusted life insurance agent at mLifeInsurance.com. She’s been in the insurance industry for over ten years, helping people, especially those with special health conditions to find the right coverage. At MLife Insurance, Joyce writes easy-to-understand articles that help readers make smart choices about life insurance. Previously, she worked directly with clients at Mlife Insurance, advising nearly 3,000 of them on life insurance options.
