Insurance Asia/Pacific (IAP) comprises ING’s insurance and asset management operations in the region. Headquartered out of Hong Kong, the insurance operations consist of 8 wholly-owned or joint-venture businesses operating across nine major economies including China, Hong Kong SAR, India, Japan, Malaysia, South Korea and Thailand. Insurance Asia/Pacific sells various types of life insurance products including annuity, endowment, unit linked products, universal life, term life and group life. General insurance products are offered in Hong Kong SAR and Malaysia.