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                                                                    EXHIBIT 32.1


                                  CERTIFICATION


Pursuant to 18 U.S.C. Section 1350, the undersigned officer of ING Life
Insurance and Annuity Company (the "Company") hereby certifies that, to the
officer's knowledge, the Company's Annual Report on Form 10-K for the year ended
December 31, 2003 (the "Report") fully complies with the requirements of Section
13 or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the
information contained in the Report fairly presents, in all material respects,
the financial condition and results of operations of the Company.

Date   March 25, 2004                By  /s/ David A. Wheat
       --------------                    ------------------
                                         David A. Wheat
                                         Director, Senior Vice President and
                                           Chief Financial Officer

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