AMENDMENT XXVIII Effective April 1, 2000

Exhibit 10.(d)

AMENDMENT XXVIII

Effective April 1, 2000

Amendment XXVIII to the Automatic Reinsurance Agreement, effective April 1, 1984, between ReliaStar Life Insurance Company (Reinsurer) and ReliaStar Life Insurance Company of New York (Company).

The parties to the Agreement recognize that the rate table associated with Amendment XI, effective April 1, 2000, was missing from the Amendment. The Company and Reinsurer agree to correct Amendment XI by adding the missing rate table via this Amendment XXVIII.

Now therefore, the Company and the Reinsurer agree that the rate table attached to this Amendment shall be added to the Agreement as part of Exhibit II, Part 2, effective April 1, 2000.

Except as herein specified, all the terms and conditions of the Reinsurance Agreement shall apply, and this Amendment is to be added to and made part of the aforesaid Agreement.

In witness of the above, ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York have by their respective officers executed and delivered this Amendment XXVIII in duplicate on the dates indicated below, with an Effective Date of April 1, 2000.

RELIASTAR LIFE INSURANCE COMPANY			RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK
By:	/s/    Xxxxxxx Xxx		By:	/s/     Xxxxxxx Xxx
	Xxxxxxx Xxx			Xxxxxxx Xxx
Title:	Vice President & Actuary		Title:	Vice President & Actuary
Date:	7-10-06		Date:	7-10-06
Attest:	/s/    Xxxx Xxxxxxx		Attest:	/s/      Xxxx Xxxxxxx
	Xxxx Xxxxxxx			Xxxx Xxxxxxx
Title:	Vice President & Actuary		Title:	Vice President & Actuary
Date:	July 10, 2006		Date:	7-10-06

EXHIBIT II – PART 2

Reinsurance Mortality Table

Omitted.