Form of Amendment to Participation Agreement Among ING Partners, Inc. ING Life Insurance and Annuity Company and ING Financial Advisers, LLC

EXHIBIT 99-B.8.48

Form of

Amendment to Participation Agreement

Among

ING Partners, Inc.

ING Life Insurance and Annuity Company

and

ING Financial Advisers, LLC

This Amendment is dated as of 31 day of August, 2005 by and between ING Partners, Inc. (the "Fund"), ING Life Insurance and Annuity Company (referred to as the "Adviser" in its capacity as investment adviser to the Fund, and the "Company" in its capacity as the issuer of variable annuity and variable life insurance contracts), and ING Financial Advisers, LLC (the "Distributor") (collectively, the "Parties").

WHEREAS, the Parties entered into a Participation Agreement on November 28, 2001 (the "Agreement") and subsequently amended the Agreement on March 5, 2002, May 1, 2003; November 1, 2004 and April 29, 2005.

WHEREAS, the Parties desire to further amend said Agreement in the manner hereinafter set forth;

NOW THEREFORE, the parties hereby amend the Agreement in the following form:

1. By replacing the existing Schedule B with the Schedule B attached hereto.

All of the other provisions contained in the Agreement shall remain in full force and effect.

IN WITNESS WHEREOF, the parties hereto have caused this instrument to be executed by their duly authorized signatories as of the date and year first above written.

ING Partners, Inc.			ING Life Insurance and Annuity Company
By:			By:

ING Financial Advisers, LLC

By:

Name:

Title:

SCHEDULE B

ING Partners, Inc.

Designated Portfolios

ING Aeltus Enhanced Index Portfolio - Initial, Adviser and Service Class

ING Xxxxx Growth Portfolio - Initial, Adviser and Service Class

ING Xxxxx Aggressive Growth Portfolio - Initial, Adviser and Service Class

ING Xxxxx Capital Appreciation Portfolio - Initial, Adviser and Service Class

ING American Century Small Cap Value Portfolio - Initial, Adviser and Service Class

ING Baron Small Cap Growth Portfolio - Initial, Adviser and Service Class

ING Fidelity® VIP Contrafund® Portfolio** - Initial, Adviser and Service Class

ING Fidelity® VIP Growth Portfolio - Initial, Adviser and Service Class

ING Fidelity® VIP Value Strategies Portfolio - Initial, Adviser and Service Class

ING Fidelity® VIP Equity-Income Portfolio - Initial, Adviser and Service Class

ING Fidelity® VIP Mid Cap Portfolio - Initial, Adviser and Service Class

ING Xxxxxxx Xxxxx® Capital Growth Portfolio* - Initial, Adviser and Service Class

ING Xxxxxxx Sachs® Core Equity Portfolio* - Initial, Adviser and Service Class

ING JPMorgan Xxxxxxx International Portfolio - Initial, Adviser and Service Class

ING JPMorgan Mid Cap Value Portfolio - Initial, Adviser and Service Class

ING MFS Capital Opportunities Portfolio - Initial, Adviser and Service Class

ING MFS Global Growth Portfolio - Initial, Adviser and Service Class

ING OpCap Balanced Value Portfolio - Initial, Adviser and Service Class

ING Xxxxxxxxxxx Strategic Income Portfolio - Initial, Adviser and Service Class

ING PIMCO Total Return Portfolio - Initial, Adviser and Service Class

ING Salomon Brothers Aggressive Growth Portfolio - Initial, Adviser and Service Class

ING Salomon Brothers Investors Value Portfolio - Initial, Adviser and Service Class

ING Salomon Brothers Fundamental Value Portfolio - Initial, Adviser and Service Class

ING X. Xxxx Price Growth Equity Portfolio - Initial, Adviser and Service Class

ING UBS U.S. Allocation Portfolio - Initial, Adviser and Service Class

ING UBS U.S. Large Cap Equity Portfolio - Initial, Adviser and Service Class

ING Xxx Xxxxxx Xxxxxxxx Portfolio - Initial, Adviser and Service Class

ING Solution 2015 Portfolio - Initial, Adviser and Service Class

ING Solution 2025 Portfolio - Initial, Adviser and Service Class

ING Solution 2035 Portfolio - Initial, Adviser and Service Class

ING Solution 2045 Portfolio - Initial, Adviser and Service Class

ING Solution Income Portfolio - Initial, Adviser and Service Class

ING American Century Select Portfolio - Initial, Adviser and Service Class

ING Xxxxxxxxxxx Global Portfolio - Initial, Adviser and Service Class

ING Xxxxxxxxxxx Strategic Income Portfolio - Initial, Adviser and Service Class

ING Baron Small Cap Portfolio - Initial, Adviser and Service Class

ING Xxx Xxxxxx Equity and Income Portfolio - Initial, Adviser and Service Class

*Xxxxxxx Sachs® is a registered service xxxx of Xxxxxxx, Xxxxx & Co., and it is used by agreement with Xxxxxxx, Sachs & Co.

** Fidelity® and Contrafund® are registered trademarks of FMR Corp.