0000103007-19-000005.txt : 20190604 0000103007-19-000005.hdr.sgml : 20190604 20190403174136 ACCESSION NUMBER: 0000103007-19-000005 CONFORMED SUBMISSION TYPE: S-3 PUBLIC DOCUMENT COUNT: 8 FILED AS OF DATE: 20190404 DATE AS OF CHANGE: 20190501 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VOYA RETIREMENT INSURANCE & ANNUITY Co CENTRAL INDEX KEY: 0000837010 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 710294708 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: S-3 SEC ACT: 1933 Act SEC FILE NUMBER: 333-230711 FILM NUMBER: 19730317 BUSINESS ADDRESS: STREET 1: ONE ORANGE WAY CITY: WINDSOR STATE: CT ZIP: 06095-4774 BUSINESS PHONE: 860-580-4646 MAIL ADDRESS: STREET 1: ONE ORANGE WAY CITY: WINDSOR STATE: CT ZIP: 06095-4774 FORMER COMPANY: FORMER CONFORMED NAME: ING LIFE INSURANCE & ANNUITY CO DATE OF NAME CHANGE: 20020319 FORMER COMPANY: FORMER CONFORMED NAME: AETNA LIFE INSURANCE & ANNUITY CO /CT DATE OF NAME CHANGE: 19920703 S-3 1 gaaregstmtshell.htm GUARANTEED ACCUMULATION ACCT REGISTRATION STATEMENT gaaregstmtshell.htm - Generated by SEC Publisher for SEC Filing

As filed with the Securities and Exchange Registration No. 333- _____

Commission on April 3, 2019

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM S-3

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Voya Retirement Insurance and Annuity Company

(Exact name of registrant as specified in its charter)

Connecticut

(State or jurisdiction of incorporation or organization)

71-0294708

(I.R.S. Employer Identification Number)

One Orange Way, C2N, Windsor, Connecticut 06095-4774, 1-800-584-6001

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

Peter M. Scavongelli, Senior Counsel

Voya Retirement Insurance and Annuity Company

One Orange Way, C2N, Windsor, Connecticut 06095-4774

(860) 580-1631

Approximate date of commencement of proposed sale to the public: It is proposed that the public offering will commence as soon as practicable after effectiveness of this filing.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box: [ ]

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box: [ X ]

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [ ]

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [ ]

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box. [ ]

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. [ ]

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer ¨ Accelerated filer ¨

Non-accelerated filer x Smaller reporting company ¨

(Do not check if a smaller reporting company)

Calculation of Registration Fee

Title of Each Class of Securities to be Registered

Amount to be Registered

Proposed Maximum Offering Price Per Unit

Proposed Maximum Aggregate Offering Price

Amount of Registration Fee

Guaranteed Accumulation Account Interests

$150,000,000

$18,180.00

* The proposed maximum aggregate offering price is estimated solely for the purpose of determining the registration fee. The amount to be registered and the proposed maximum offering price per unit are not applicable since these securities are not issued in predetermined amounts or units.

Voya Retirement Insurance and Annuity Company

Guaranteed Accumulation Account Prospectus – May 1, 2019

Introduction

The Guaranteed Accumulation Account (“GAA”) is a fixed interest option available during the accumulation phase of certain variable annuity contracts issued by Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us” and “our”). The GAA may not be available through all annuity contracts issued by the Company and may not be available in all states. Read this prospectus carefully before investing in GAA and save it for future reference.

General Description

GAA offers investors the opportunity to earn specified guaranteed rates of interest for specified periods of time, called guaranteed terms. We generally offer several guaranteed terms at any one time for those considering investing in GAA. Each guaranteed term offers a guaranteed interest rate for investments that remain in GAA for the duration of the specific guaranteed term. The guaranteed term establishes both the length of time for which we agree to credit a guaranteed interest rate and how long your investment must remain in GAA in order to receive the guaranteed interest rate.

We guarantee both principal and interest if, and only if, your investment remains invested for the full guaranteed term. Charges related to the contract, such as a maintenance fee or early withdrawal charge, may still apply even if you do not withdraw until the end of a guaranteed term. Investments taken out of GAA prior to the end of a guaranteed term may be subject to a market value adjustment, which may result in an investment gain or loss. See “Market Value Adjustment (“MVA”),” page 10.

This prospectus will explain:

· Guaranteed interest rates and guaranteed terms;

· Contributions to GAA;

· Types of guaranteed terms available, and how they are classified;

· How rates are offered;

· How there can be an investment risk, and how we calculate gain or loss;

· Contract charges that can affect your account value in GAA;

· Taking investments out of GAA; and

· How to reinvest or withdraw at maturity.

Internet Availability of Fund Shareholder Reports. Beginning on January 1, 2021, as permitted by regulations adopted by the SEC, paper copies of the shareholder reports for the funds available under your contract will no longer be sent by mail, unless you specifically request paper copies of the reports from the Company. Instead, the reports will be made available on a website, and you will be notified by mail each time a report is posted and provided with a website link to access the report.

If you already elected to receive shareholder reports electronically, you will not be affected by this change and you need not take any action. If available, you may elect to receive shareholder reports and other communications from the Company electronically by contacting Customer Service.

You may elect to receive all future reports in paper free of charge. You can inform the Company that you wish to continue receiving paper copies of your shareholder reports by calling 1-800-283-3427. Your election to receive reports in paper will apply to all funds available under your contract.

Additional Disclosure Information

Neither the Securities and Exchange Commission (“SEC”) nor any state securities commission has approved or disapproved of these securities or passed on the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense. We do not intend for this prospectus to be an offer to sell or a solicitation of an offer to buy these securities in any state or jurisdiction that does not permit their sale. We have not authorized anyone to provide you with information that is different than that contained in this prospectus.

Our Home Office:

Voya Retirement Insurance and Annuity Company

One Orange Way

Windsor, CT 06095-4774

1-800-584-6001

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Table of Contents

	Page
Summary	3
Description of the Guaranteed Accumulation Account General, Contributions to GAA, Deposit Period, Guaranteed Terms, Guaranteed Term Classifications, Guaranteed Interest Rates, Maturity of a Guaranteed Term, Maturity Value Transfer Provision	5
Transfers Transfers from GAA, Transfers between Guaranteed Term Classifications	8
Withdrawals Deferral of Payments, Reinvestment Privilege	9
Market Value Adjustment (“MVA”) Calculation of the MVA, MVA Formulas	10
Contract Charges	12
Other Topics	12
Appendix I - Examples of Market Value Adjustment Calculations	18
Appendix II - Examples of Market Value Adjustment at Various Yields	22

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Summary

GAA is a fixed interest option that may be available during the accumulation phase of your annuity contract. The following is a summary of certain facts about GAA.

In General. Amounts that you invest in GAA will earn a guaranteed interest rate if left in GAA for a specified period of time (the guaranteed term). You must invest amounts in GAA for the full guaranteed term in order to receive the quoted guaranteed interest rate. If you withdraw or transfer those amounts before the end of the guaranteed term, we may apply a “market value adjustment,” which may be positive or negative.

Questions: Contacting the Company. To answer your questions, contact your local representative or write or call our Home Office at:

Customer Service

Defined Contribution

Administration

P.O. Box 990063

Hartford, CT 06199-0063

1-800-584-6001

Deposit Periods. A deposit period is the time during which we offer a specific guaranteed interest rate if you deposit dollars for a specific guaranteed term. For a particular guaranteed interest rate and guaranteed term to apply to your account dollars, you must invest them during the deposit period in which that rate and term are offered.

Guaranteed Terms. A guaranteed term is the period of time account dollars must be left in GAA in order to earn the guaranteed interest rate specified for that guaranteed term. We may offer different guaranteed terms at different times. Check with your representative or the Company to learn the details about the guaranteed term(s) currently offered. We reserve the right to limit the number of guaranteed terms or the availability of certain guaranteed terms. In addition, under certain contracts, we reserve the right to discontinue offering GAA, or to limit the availability of GAA guaranteed term classifications.

Some annuity contracts that offer GAA distinguish between short- and long-term classifications of GAA. Under those contracts, we make the following distinction:

· Short-term classification—three years or less; and

· Long-term classification—between three and ten years.

Guaranteed Interest Rates. We guarantee different interest rates, depending upon when account dollars are invested in GAA. The interest rate we guarantee is an annual effective yield; that means that the rate reflects a full year’s interest. We credit interest at a rate that will provide the guaranteed annual effective yield over one year. The guaranteed interest rate(s) is guaranteed for that deposit period and for the length of the guaranteed term.

The guaranteed interest rates we offer will always meet or exceed the minimum interest rates agreed to in the contract, if any. Not all contracts provide for minimum interest rates for the GAA. Apart from meeting the contractual minimum interest rates, if any, we can in no way guarantee any aspect of future offerings.

Fees and Other Deductions. We do not make deductions from amounts in GAA to cover mortality and expense risks. Rather, we consider these risks when determining the credited rate. The following other types of charges may be deducted from amounts held in, withdrawn or transferred from GAA:

· Market Value Adjustment (“MVA”). An MVA may be applied to amounts transferred or withdrawn prior to the end of a guaranteed term, which reflects changes in interest rates since the deposit period. The MVA may be positive or negative, and therefore may increase or decrease the amount withdrawn to satisfy a transfer or withdrawal request. See “Market Value Adjustment (“MVA”).”

· Tax Penalties and/or Tax Withholding. Amounts withdrawn may be subject to withholding for federal income taxes, as well as a 10% penalty tax for amounts withdrawn prior to your having attained age 59½. See “Taxation”; see also the “Tax Considerations” section of the contract prospectus.

· Early Withdrawal Charge. An early withdrawal charge, which is a deferred sales charge, may apply to amounts withdrawn from the contract, in order to reimburse us for some of the sales and administrative expenses associated with the contract. See “Contract Charges”; see also the “Fees” section of the contract prospectus.

· Maintenance Fee. An annual maintenance fee of up to $50 may be deducted pro rata from all funding options including GAA. See “Contract Charges”; see also the “Fees” section of the contract prospectus.

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· Premium Taxes. We may deduct a charge for premium taxes of up to 4% from amounts in GAA. See “Contract Charges;” see also the “Fees” section of the contract prospectus.

· Front End Sales Charges. Under some contracts, we may deduct front end sales charges of up to 6%. See “Contract Charges;” see also the “Fees” section of the contract prospectus.

Market Value Adjustment (“MVA”). If you withdraw or transfer all or part of your account value from GAA before the guaranteed term is complete, an MVA may apply. The MVA reflects the change in the value of the investment due to changes in interest rates since the date of deposit. The MVA may be positive or negative depending upon interest rate activity at the time of withdrawal or transfer.

Any MVA applied to a withdrawal or transfer from GAA will be calculated as an “aggregate MVA,” which is the sum of all MVAs applicable due to the withdrawal. See the sidebar on page 10 for an example of the calculation of the aggregate MVA. The following withdrawals will be subject to an aggregate MVA only if it is positive:

· Withdrawals due to the election of a lifetime income option; and

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

· Withdrawals due to the election of a nonlifetime income option;

· Payments due to the death of the participant, if paid more than six months following death (or disability, if applicable); and

· Full or partial withdrawals during the accumulation phase (except for withdrawals at the end of a guaranteed term or pursuant to the maturity value transfer provision - see “Maturity of a Guaranteed Term” and “Maturity Value Transfer Provision”).

Under certain contracts, payments due to the death of the participant will include the aggregate MVA only if it is positive, regardless of whether the death benefit is paid within six months following death. See the “Death Benefit” section of the contract prospectus. Under some of these contracts, an election to defer payment of the death benefit will result in the application of the aggregate MVA, whether positive or negative, when the beneficiary elects to begin distribution of the death benefit.

See “Description of the Guaranteed Accumulation Account” and “Market Value Adjustment (“MVA”).”

Maturity of a Guaranteed Term. On or before the end of a guaranteed term, the contract holder or you, if applicable, may instruct us to:

· Transfer the matured amount to one or more new guaranteed terms available under the current deposit period;

· Transfer the matured amount to other available investment options; or

· Withdraw the matured amount.

Amounts withdrawn may be subject to an early withdrawal charge, maintenance fee, tax withholding, and tax penalties. See “Contract Charges”; see also the “Fees” and “Tax Considerations” sections of the contract prospectus. When a guaranteed term ends, if we have not received instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. See “Maturity Value Transfer Provision.” For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability:

· To a guaranteed term of the same duration, if available;

· To a guaranteed term with the next shortest duration, if available; or

· To a guaranteed term with the next longest duration.

If you do not provide instructions concerning the maturing amount on or before the end of a guaranteed term, and this amount is automatically reinvested as noted above, the maturity value transfer provision will apply.

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Maturity Value Transfer Provision. If we automatically transfer the matured investment into the current deposit period, the contract holder or you, if applicable, may, for a limited time, transfer or withdraw all or a portion of the matured investment that was transferred without the application of an MVA. As described in “Fees and Other Deductions” above, other fees, including an early withdrawal charge and a maintenance fee, may be assessed on amounts withdrawn. See “Description of the Guaranteed Accumulation Account.”

Transfer of Account Dollars. Generally, account dollars invested in GAA may be transferred among guaranteed terms offered through GAA, and/or to other investment options offered through the contract. However:

· Transfers may not be made during the deposit period in which your account dollars are invested in GAA or for 90 days after the close of that deposit period; and

· We may apply an MVA to transfers made before the end of a guaranteed term.

Transfers to other investment options offered through the contract may be subject to limits on frequent or disruptive transfers or limits imposed by the underlying funds. See the “Transfers” and “Investment Options” sections of your contract prospectus.

Investments. Guaranteed interest rates credited during any guaranteed term do not necessarily relate to investment performance. Deposits received into GAA will generally be invested in federal, state and municipal obligations, corporate bonds, preferred stocks, real estate mortgages, real estate, certain other fixed income investments, and cash or cash equivalents. All of our general assets are available to meet guarantees under GAA.

Amounts allocated to GAA are held in a nonunitized separate account established by the Company under Connecticut law. To the extent provided for in the contract, assets of the separate account are not chargeable with liabilities arising out of any other business that we conduct. See “Investments.”

Notification of Maturity. We will notify the contract holder or you, if applicable, at least 18 calendar days prior to the maturity of a guaranteed term. We will include information relating to the current deposit period’s guaranteed interest rates and the available guaranteed terms. You may obtain information concerning available deposit periods, guaranteed interest rates, and guaranteed terms five business days prior to the maturity date by calling 1-800-584-6001. See “Description of the Guaranteed Accumulation Account—General” and “Maturity of a Guaranteed Term.”

Description of the Guaranteed Accumulation Account

General

GAA offers guaranteed interest rates for specific guaranteed terms. For a particular guaranteed interest rate and guaranteed term to apply to your account dollars, you must invest them during the deposit period during which that rate and term are offered. Each deposit period may offer more than one guaranteed term. Guaranteed terms may be classified according to length of time to maturity, and each deposit period may offer various guaranteed terms within these classifications.

· Withdrawals due to the election of a lifetime income option; and

· Withdrawals due to the death of the participant (under certain contracts the withdrawal must be paid within the first six months following death). For certain contracts issued in the state of New York, this provision also applies in the event of disability, as defined in the contract.

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

· Withdrawals due to the election of a nonlifetime income option;

· Payments due to the death of the participant, if paid more than six months following death (or disability, if applicable); and

· Full or partial withdrawals during the accumulation phase (except for withdrawals at the end of a guaranteed term or pursuant to the maturity value transfer provision, see “Maturity of a Guaranteed Term” and “Maturity Value Transfer Provision”).

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We maintain a toll-free telephone number for those wishing to obtain information concerning available deposit periods, guaranteed interest rates, and guaranteed terms. The telephone number is 1-800-584-6001. At least 18 calendar days before a guaranteed term matures, we will notify the contract holder or you, if applicable, of the upcoming deposit period dates and the current guaranteed interest rates, guaranteed terms and projected matured guaranteed term values.

Contributions to GAA

The contract holder or you, if applicable, may invest in the guaranteed terms available in the current deposit period by allocating new purchase payments to GAA or by transferring a sum from other funding options available under the contract or from other guaranteed terms.

Though we may require a minimum payment(s) to a contract, we do not require a minimum investment for a guaranteed term. Refer to the contract prospectus for any minimum payment(s) that may apply to a contract. We reserve the right to establish a minimum amount for transfers from other funding options.

Investments may not be transferred from a guaranteed term during the deposit period in which the investment is applied nor during the first 90 days after the close of the deposit period. This restriction does not apply to amounts transferred or withdrawn under the maturity value transfer provision. See “Maturity Value Transfer Provision.”

Deposit Period

The deposit period is the period of time during which the contract holder or you, if applicable, may direct investments to a particular guaranteed term(s) and receive a stipulated guaranteed interest rate(s). Each deposit period may be a month, a calendar quarter, or any other period of time we specify.

Guaranteed Terms

A guaranteed term is the time we specify during which we credit the guaranteed interest rate. Generally, we will offer at least one guaranteed term of three years or less and one guaranteed term of more than three years in any deposit period. However, under certain contracts we reserve the right to limit the guaranteed terms or guaranteed term classifications offered, as well as the right to discontinue offering GAA. We offer guaranteed terms at our discretion for various periods ranging from one to ten years.

Guaranteed Term Classifications

Some contracts distinguish between long-term and short-term guaranteed term classifications. The following are the guaranteed term classifications:

· Short-term—All guaranteed terms of three years or less; and

· Long-term—All guaranteed terms of between three and ten years.

During each deposit period, we may offer more than one guaranteed term within each guaranteed term classification. The contract holder or you, if applicable, may allocate investments to guaranteed terms within one or both guaranteed term classifications during a deposit period.

Guaranteed Interest Rates

Guaranteed interest rates are the rates that we guarantee will be credited on amounts applied during a deposit period for a specific guaranteed term. Guaranteed interest rates are annual effective yields, reflecting a full year’s interest. We credit interest at a rate that will provide the guaranteed annual effective yield over one year. Guaranteed interest rates are credited according to the length of the guaranteed term as follows:

Guaranteed Terms of One Year or Less: The guaranteed interest rate is credited from the date of deposit to the last day of the guaranteed term.

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Guaranteed Terms of Greater than One Year: Except for certain contracts issued in the state of New York, several different guaranteed interest rates may be applicable during a guaranteed term of more than one year. The initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. We may credit several different guaranteed interest rates for subsequent specific periods of time within the guaranteed term. For example, for a five-year guaranteed term we may guarantee 5% for the first year, 4.75% for the next two years, and 4.5% for the remaining two years.

We will not guarantee or credit a guaranteed interest rate below the minimum rate specified in the contract for GAA, if any. Additionally, we will not credit interest at a rate above the guaranteed interest rate we announce prior to the start of a deposit period. Not all contracts provide for minimum interest rates for GAA.

Our guaranteed interest rates are influenced by, but do not necessarily correspond to, interest rates available on fixed income investments we may buy using deposits directed to GAA. See “Investments.” We consider other factors when determining guaranteed interest rates including regulatory and tax requirements, sales commissions and administrative expenses borne by the Company, general economic trends and competitive factors. We make the final determination regarding guaranteed interest rates. We cannot predict the level of future guaranteed interest rates.

Maturity of a Guaranteed Term

At least 18 calendar days prior to the maturity of a guaranteed term, we will notify the contract holder or you, if applicable, of the upcoming deposit period, the projected value of the amount maturing at the end of the guaranteed term, and the guaranteed interest rate(s) and guaranteed term(s) available for the current deposit period.

When a guaranteed term matures, the amounts in any maturing guaranteed term may be:

· Transferred to one or more new guaranteed terms available under the current deposit period;

· Transferred to other available investment options; or

· Withdrawn from the contract.

We do not apply an MVA to amounts transferred or surrendered from a guaranteed term on the date the guaranteed term matures. Amounts withdrawn, however, may be subject to an early withdrawal charge, a maintenance fee, taxation, and tax penalties. If we have not received direction from the contract holder or you, if applicable, by the maturity date of a guaranteed term, we will automatically transfer the matured value to one of the following:

· For contracts distinguishing between short- and long-term classifications, we will generally transfer the amount maturing to the available deposit period for the guaranteed term having the shortest maturity within the same classification, though it may be different than the maturing term; or

· For contracts that do not distinguish between short- and long-term classifications, we will generally transfer the maturing amount as follows:

> To a guaranteed term of the same duration, if available;

> To a guaranteed term with the next shortest duration, if available; or

> To a guaranteed term with the next longest duration.

The contract holder or you, if applicable, will receive a confirmation statement, plus information on the new guaranteed interest rate(s) and guaranteed terms.

Maturity Value Transfer Provision

If we automatically reinvest the proceeds from a matured guaranteed term, the contract holder or you, if applicable, may transfer or withdraw from GAA the amount that was reinvested without an MVA. An early withdrawal charge and maintenance fee may apply to withdrawals. If the full amount reinvested is transferred or withdrawn, we will include interest credited to the date of the transfer or withdrawal. This provision is only available until the last business day of the month following the maturity date of the prior guaranteed term. This provision only applies to the first transfer or withdrawal request received from the contract holder or you, if applicable, with respect to a particular matured guaranteed term value, regardless of the amount involved in the transaction.

Business Day—any day on which the New York Stock Exchange (“NYSE”) is open.

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Transfers

We allow the contract holder or you, if applicable, to transfer all or a portion of your account value to GAA or to other investment options under the contract. We do not allow transfers from any guaranteed term to any other guaranteed term or investment option during the deposit period for that guaranteed term or for 90 days following the close of that deposit period, except for amounts transferred under the maturity value transfer provision.

We do not apply an MVA to the value transferred upon maturity of a guaranteed term nor for values transferred under the maturity value transfer provision. We do not count either of these types of transfers as one of the 12 free transfers allowed per calendar year by those contracts allowing only 12 free transfers. Transfers to other investment options through the contract may be subject to limits on frequent or disruptive transfers or limits imposed by the underlying funds. See the “Transfers” and “Investment Options” sections of your contract prospectus.

When the contract holder or you, if applicable, requests the transfer of a specific dollar amount, we account for any applicable MVA in determining the amount to be withdrawn from a guaranteed term(s) to fulfill the request. Therefore, the amount we actually withdraw from the guaranteed term(s) may be more or less than the requested dollar amount. See “Appendix I” for an example. For more information on transfers, see the contract prospectus.

Transfers from GAA

For contracts that do not distinguish between short- and long-term classifications, the contract holder or you, if applicable, may choose the guaranteed term from which funds will first be withdrawn. If there is more than one guaranteed term of the same duration, we will withdraw funds starting from the oldest guaranteed term that has not reached maturity.

If we do not receive direction, we will withdraw funds pro rata from each guaranteed term in which you are invested. If there is more than one guaranteed term of the same duration, we will withdraw funds starting from the oldest guaranteed term that has not reached maturity.

For contracts that distinguish between short- and long-term classifications, the contract holder or you, if applicable, may choose the guaranteed term classification from which funds will be first withdrawn. We will withdraw funds starting from the oldest guaranteed term that has not reached maturity within the classification chosen.

If we do not receive direction, we will withdraw funds pro rata from the guaranteed term classifications, starting with the oldest guaranteed term that has not reached maturity, and any other investment options.

We will apply an MVA to transfers made before the end of a guaranteed term. See “Market Value Adjustment (“MVA”).”

Transfers between Guaranteed Term Classifications

(For contracts that distinguish between short-term and long-term classifications only)

The contract holder or you, if applicable, may transfer amounts from short-term guaranteed terms to available long-term guaranteed terms of the current deposit period, or from long-term guaranteed terms to available short-term guaranteed terms of the current deposit period.

For example, funds may be transferred from a three-year guaranteed term (any time after 90 days from the close of the deposit period applicable to that three-year guaranteed term) to the open deposit period of a seven-year guaranteed term.

Funds will be first transferred from the oldest deposit period for which the guaranteed term has not reached maturity and we will assess an MVA on the transferred amount. These transfers are counted toward the 12 free transfers allowed per calendar year by those contracts allowing only 12 free transfers.

We do not permit the transfer of value from one guaranteed term prior to its maturity to another guaranteed term within the same classification. For example, we do not permit transfers from one-year to three-year, one-year to one-year, five-year to seven-year, or ten-year to seven-year guaranteed terms.

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Withdrawals

The contract allows for full or partial withdrawals from GAA at any time during the accumulation phase. To make a full or partial withdrawal, a request form (available from us) must be properly completed and submitted to our Home Office (or other designated office as provided in the contract).

Partial withdrawals are made pro rata from funding options unless the contract holder or you, if applicable, request otherwise. For contracts that do not distinguish between short- and long-term classifications, each guaranteed term is considered a separate funding option for the purpose of a partial withdrawal.

The contract holder or you, if applicable, may choose the guaranteed term from which funds will be withdrawn. If there is more than one guaranteed term of the same duration, we will withdraw funds starting from the oldest guaranteed term that has not reached maturity. If no guaranteed term is elected, we will withdraw funds pro rata from each guaranteed term in which you are invested.

For contracts distinguishing between short- and long-term classifications, each guaranteed term classification is considered a separate funding option for the purpose of a partial withdrawal. The contract holder or you, if applicable, may elect to take a partial withdrawal from either guaranteed term classification. We will first withdraw funds from the oldest guaranteed term that has not reached maturity within the chosen classification. If no guaranteed term classification is elected, we will withdraw funds pro rata from each classification (starting with the oldest guaranteed term that has not reached maturity) and other funding options.

We may apply an MVA to withdrawals made prior to the end of a guaranteed term, except for withdrawals made under the maturity value transfer provision. See “Market Value Adjustment (“MVA”).” We may deduct an early withdrawal charge and a maintenance fee depending upon the terms of the contract. The early withdrawal charge is a deferred sales charge that may be deducted upon withdrawal to reimburse us for some of the sales and administrative expenses associated with the contract. A maintenance fee up to $50 may be deducted pro rata from each of the funding options, including GAA. Refer to the contract prospectus for a description of these fees. When a request for a partial withdrawal of a specific dollar amount is made, we will include the MVA in determining the amount to be withdrawn from the guaranteed term(s) to fulfill the request. Therefore, the amount we actually take from the guaranteed term(s) may be more or less than the dollar amount requested. See “Appendix I” for an example.

Deferral of Payments

Under certain emergency conditions, we may defer payment of a GAA withdrawal for up to six months. Refer to the contract prospectus for more details.

Reinvestment Privilege

If allowed by the contract, the contract holder or you, if applicable, may elect to reinvest all or a portion of a full withdrawal during the 30 days following such a withdrawal. We must receive amounts for reinvestment within 60 days of the withdrawal.

We will apply reinvested amounts to the current deposit period. This means that the guaranteed annual interest rate and guaranteed terms available on the date of reinvestment will apply. Amounts are reinvested in the guaranteed term classifications, where applicable, in the same proportion as prior to the full withdrawal. Any negative MVA we applied to a withdrawal will not be refunded, and any taxes that were withheld may also not be refunded. Refer to the contract prospectus for further details.

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Market Value Adjustment (“MVA”)

Aggregate MVA is the total of all MVAs applied due to a transfer or withdrawal.

Calculation of the Aggregate MVA–In order to satisfy a transfer or withdrawal, amounts may be withdrawn from more than one guaranteed term, with more than one guaranteed interest rate. In order to determine the MVA applicable to such a transfer or withdrawal, the MVAs applicable to each guaranteed term will be added together, in order to determine the “aggregate MVA.”

Example: $1,000 withdrawal, two guaranteed terms.

MVA1 = $10, MVA2 = - $30 $10 + -$30 = - $20.

Aggregate MVA = - $20.

Example: $1,000 withdrawal, two guaranteed terms.

MVA1 = $30, MVA2 = - $10 $30 + - $10 = $20.

Aggregate MVA = $20.

We apply an MVA to amounts transferred or withdrawn from GAA prior to the end of a guaranteed term. To accommodate early withdrawals or transfers, we may need to liquidate certain assets or use cash that could otherwise be invested at current interest rates. When we sell assets prematurely we could realize a profit or loss depending upon market conditions.

The MVA reflects changes in interest rates since the deposit period. When interest rates increase after the deposit period, the value of the investment decreases and the market value adjustment amount may be negative. Conversely, when interest rates decrease after the deposit period, the value of the investment increases and the market value adjustment amount may be positive. Therefore, the application of an MVA may increase or decrease the amount withdrawn from a guaranteed term to satisfy a withdrawal or transfer request.

An MVA applied to a withdrawal or transfer from GAA will be calculated as an “aggregate MVA,” which is the sum of all MVAs applicable due to the withdrawal. See the sidebar on this page for an example of the calculation of the aggregate MVA. The following withdrawals will be subject to an aggregate MVA only if it is positive:

· Withdrawals due to the election of a lifetime income option; and

· Withdrawals due to the death of the participant (if paid within the first six months following death). For certain contracts issued in the state of New York, this provision also applies to withdrawals due to the death of the participant paid more than six months from the date of death and withdrawals paid in the event of disability, as defined in the contract.

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

· Withdrawals due to the election of a nonlifetime income option;

· Payments due to the death of the participant, if paid more than six months following death (or disability, if applicable under your contract); and

· Full or partial withdrawals during the accumulation phase (except for withdrawals at the end of a guaranteed term or pursuant to the maturity value transfer provision). See “Maturity of a Guaranteed Term” and “Maturity Value Transfer Provision.”

Should two or more guaranteed terms have the same guaranteed interest rate and mature on the same date, we will calculate an MVA applicable to each.

Under some contracts, election of a systematic distribution option, as described in the contract prospectus, will not result in an MVA being applied to amounts withdrawn from GAA.

Calculation of the MVA

There are two methods for calculating the MVA, and the method that applies to you will be set forth in your contract. You should check your contract to see which method of calculating the MVA applies to you.

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Method One. For contracts that use Method One to calculate the MVA, the amount of the MVA depends on the relationship between:

· The average corporate bond yield (US Treasury Rate plus spread over Treasury) of the month of deposit for the corresponding guaranteed term; and

· The current corporate bond yield (US Treasury Rate plus spread over Treasury) at the time of withdrawal for a period equal to the remainder of the guaranteed term.

If the current corporate bond yield at the time of withdrawal is less than the average corporate bond yield of the month of deposit, the MVA will decrease the amount withdrawn from a guaranteed term to satisfy a transfer or withdrawal request (the MVA will be positive). If the current corporate bond yield at the time of withdrawal is greater than the average corporate bond yield of the month of deposit, the MVA will increase the amount withdrawn from a guaranteed term (the MVA will be negative).

Method Two. For contracts that do not use Method One to calculate the MVA, the amount of the MVA depends on the relationship between:

· The deposit period yield of U.S. Treasury Notes that will mature in the last quarter of the guaranteed term; and

· The current yield of such U.S. Treasury Notes at the time of withdrawal.

If the current yield is less than the deposit period yield, the MVA will decrease the amount withdrawn from a guaranteed term to satisfy a transfer or withdrawal request (the MVA will be positive). If the current yield is greater than the deposit period yield, the MVA will increase the amount withdrawn from a guaranteed term (the MVA will be negative).

Deposit Period Yield. We determine the deposit period yield used in the MVA calculation by considering interest rates prevailing during the deposit period of the guaranteed term from which the transfer or withdrawal will be made. First, we identify the Treasury Notes that mature in the last three months of the guaranteed term. Then, we determine their yield-to-maturity percentages for the last business day of each week in the deposit period. We then average the resulting percentages to determine the deposit period yield. Treasury Note information may be found each business day in publications such as the Wall Street Journal which publishes the yield-to-maturity percentages for all Treasury Notes as of the preceding business day.

Current Yield. We use the same Treasury Notes identified for the deposit period yield to determine the current yield—Treasury Notes that mature in the last three months of the guaranteed term. However, we use the yield-to-maturity percentages for the last business day of the week preceding the withdrawal and average those percentages to get the current yield.

MVA Formulas

Method One. The mathematical formula used to determine the MVA using Method One is:

{		}	x
			365
	(1 + a + i)
	(1 + b + j)

Where:

a is the average of the US Treasury Rate in effect on the first four Fridays of the month of deposit for the corresponding guaranteed term;

b is the US Treasury Rate in effect on the withdrawal date (based on the previous Friday) for a period equal to the remainder of the guaranteed term;

i is the average of the spread over Treasury on the Barclays US Corporate Investment Grade Index (if unavailable a similar service will be utilized) in effect on the first four Fridays of the month of deposit for the corresponding guaranteed term;

j is the spread over Treasury on the Barclays US Corporate Investment Grade Index (if unavailable a similar service will be utilized) in effect on the withdrawal date (based on the previous Friday) for a period equal to the remainder of the guaranteed term; and

x is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed term.

Note that the Company may change the weekdays noted above, subject to the terms of your contract.

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Method Two. The mathematical formula used to determine the MVA using Method Two is:

{		}	x
			365
	(1 + i)
	(1 + j)

Where:

i is the deposit period yield;

j is the current yield; and

x is the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term.

For examples of how we calculate MVA, refer to Appendix I.

We make an adjustment in the formula of the MVA to reflect the period of time remaining in the guaranteed term from the Wednesday of the week of a withdrawal.

Contract Charges

Certain charges may be deducted directly or indirectly from the funding options available under the contract, including GAA.

The contract may have a maintenance fee of up to $50 that we will deduct, on an annual basis, pro rata from all funding options including GAA. We may also deduct a maintenance fee upon full withdrawal of a contract.

The contract may have an early withdrawal charge that we will deduct, if applicable, upon a full or partial withdrawal from the contract. If the withdrawal occurs prior to the maturity of a guaranteed term, both the early withdrawal charge and an MVA may be assessed.

We do not deduct mortality and expense risk charges and other asset-based charges that may apply to variable funding options from GAA. These charges are only applicable to the variable funding options.

We may deduct a charge for premium taxes of up to 4% from amounts in GAA, and, under some contracts, front end sales charges of up to 6%.

Under certain contracts, we reserve the right to charge $10 for each transfer of accumulated value between available investment options over 12 free transfers per calendar year.

Refer to the contract prospectus for further details on contract charges.

Other Topics

Anti-Money Laundering

In order to protect against the possible misuse of our products in money laundering or terrorist financing, we have adopted an anti-money laundering program satisfying the requirements of the USA PATRIOT Act and other current anti-money laundering laws. Among other things, this program requires us, our agents and customers to comply with certain procedures and standards that will allow us to verify the identity of the sponsoring organization and that contributions and loan repayments are not derived from improper sources.

Under our anti-money laundering program, we may require customers, and/or beneficiaries to provide sufficient evidence of identification, and we reserve the right to verify any information provided to us by accessing information databases maintained internally or by outside firms.

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We may also refuse to accept certain forms of payments or loan repayments (traveler’s cheques, cashier's checks, bank drafts, bank checks and treasurer's checks, for example) or restrict the amount of certain forms of payments or loan repayments (money orders totaling more than $5,000, for example). In addition, we may require information as to why a particular form of payment was used (third party checks, for example) and the source of the funds of such payment in order to determine whether or not we will accept it. Use of an unacceptable form of payment may result in us returning the payment to you.

Applicable laws designed to prevent terrorist financing and money laundering might, in certain circumstances, require us to block certain transactions until authorization is received from the appropriate regulator. We may also be required to provide additional information about you and your policy to government regulators.

Our anti-money laundering program is subject to change without notice to take account of changes in applicable laws or regulations and our ongoing assessment of our exposure to illegal activity.

Unclaimed Property

Every state has some form of unclaimed property laws that impose varying legal and practical obligations on insurers and, indirectly, on contract owners, insureds, beneficiaries and other payees of proceeds. Unclaimed property laws generally provide for escheatment to the state of unclaimed proceeds under various circumstances.

Participants in the contract are urged to keep their own, as well as their beneficiaries’ and other payees’, information up to date, including full names, postal and electronic media addresses, telephone numbers, dates of birth, and Social Security numbers. Such updates should be communicated to our Service Center in writing at the addresses provided in the “Summary” section or by calling 1-800-584-6001.

Cyber Security

Like others in our industry, we are subject to operational and information security risks resulting from "cyber-attacks", "hacking" or similar illegal or unauthorized intrusions into computer systems and networks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service attacks on websites and other operational disruption and unauthorized release of confidential customer information. Although we seek to limit our vulnerability to such risks through technological and other means and we rely on industry standard commercial technologies to maintain the security of our information systems, it is not possible to anticipate or prevent all potential forms of cyber-attack or to guarantee our ability to fully defend against all such attacks. In addition, due to the sensitive nature of much of the financial and similar personal information we maintain, we may be at particular risk for targeting.

Cyber-attacks affecting us, any third party administrator, intermediaries and other affiliated or third-party service providers may adversely affect us and your account value. For instance, cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website impact our ability to calculate AUVs, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. There can be no assurance that we or our service providers will avoid losses affecting your contract that result from cyber-attacks or information security breaches in the future.

The Company

Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us” and “our”) is a stock life insurance company organized under the insurance laws of the State of Connecticut in 1976. Prior to January 1, 2002, the Company was known as Aetna Life Insurance and Annuity Company. From January 1, 2002, until August 31, 2014, the Company was known as ING Life Insurance and Annuity Company.

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We are an indirect, wholly owned subsidiary of Voya Financial, Inc. (“Voya”), which until April 7, 2014, was known as ING U.S., Inc. In May 2013, the common stock of Voya began trading on the NYSE under the symbol “VOYA.”

We are engaged in the business of issuing insurance and annuities and providing financial services in the United States. We are authorized to conduct business in all states, the District of Columbia, Guam, Puerto Rico and the Virgin Islands. Our principal executive offices are located at:

One Orange Way
Windsor, CT 06095-4774

Income Phase

GAA may not be used as a funding option during the income phase. Amounts invested in guaranteed terms must be transferred to one or more of the options available to fund income payments before income payments can begin.

An aggregate MVA, as previously described, may be applied to amounts transferred to fund income payments before the end of a guaranteed term. Amounts used to fund lifetime income payments will only receive an aggregate MVA to the extent it is positive; however amounts transferred to fund a nonlifetime income payment option may be subject to either a positive or negative aggregate MVA.

Refer to the contract prospectus for a further discussion of the income phase.

Contract Loans

(403(b) and some 457 and 401(a) Plans Only)

The contract holder or you, if applicable, may not take a loan from amounts held in GAA, but we include amounts invested in GAA when calculating the account value that determines the amount available for a loan. Amounts held in GAA must be transferred to a funding option available for loans in order to be received as a loan. Refer to the contract prospectus for more information on contract loans. We will apply an MVA to amounts transferred from guaranteed terms due to a loan request.

Investments

Amounts applied to GAA will be deposited in a nonunitized separate account established under Connecticut law.

A nonunitized separate account is a separate account in which neither the contract holder nor you participate in the performance of the assets through unit values or any other interest. Contract holders and participants allocating funds to the nonunitized separate account do not receive a unit value of ownership of assets accounted for in this separate account. The risk of investment gain or loss is borne entirely by the Company. All Company obligations due to allocations to the nonunitized separate account are contractual guarantees of the Company and are accounted for in the separate account. All of the general assets of the Company are available to meet our contractual guarantees. To the extent provided for in the applicable contract, the assets of the nonunitized separate account are not chargeable with liabilities resulting from any other business of the Company. Income, gains and losses of the separate account are credited to or charged against the separate account without regard to other income, gains or losses of the Company.

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Types of Investments. We intend to invest primarily in investment-grade fixed income securities including:

· Securities issued by the United States Government;

· Issues of U.S. Government agencies or instrumentalities (these issues may or may not be guaranteed by the United States Government);

· Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by Moody’s Investors Services, Inc. (Aaa, Aa, A or Baa), Standard & Poor’s Corporation (AAA, AA, A or BBB) or any other nationally recognized rating service;

· Other debt instruments, including those issued or guaranteed by banks or bank holding companies, and of corporations, which although not rated by Moody’s, Standard & Poor’s, or other nationally recognized rating services, are deemed by the Company’s management to have an investment quality comparable to securities that may be purchased as stated above; or

· Commercial paper, cash or cash equivalents, and other short-term investments having a maturity of less than one year that are considered by the Company’s management to have investment quality comparable to securities, which may be purchased as stated above.

We may invest in futures and options. We purchase financial futures, related options and options on securities solely for non-speculative hedging purposes. Should securities prices be expected to decline, we may sell a futures contract or purchase a put option on futures or securities to protect the value of securities held in or to be sold for the nonunitized separate account. Similarly, if securities prices are expected to rise, we may purchase a futures contract or a call option against anticipated positive cash flow or may purchase options on securities.

We are not obligated to invest the assets attributable to the contracts according to any particular strategy, except as required by Connecticut and other state insurance laws. The guaranteed interest rates established by the Company may not necessarily relate to the performance of the nonunitized separate account.

Distribution of Contracts

The Company’s subsidiary, Voya Financial Partners, LLC serves as the principal underwriter for the variable annuity contracts that include GAA as an investment option. Voya Financial Partners, LLC, a Delaware limited liability company, is registered as a broker-dealer with the SEC. Voya Financial Partners, LLC is also a member of the Financial Industry Regulatory Authority and the Securities Investor Protection Corporation. Voya Financial Partners, LLC’s principal office is located at One Orange Way, Windsor, CT 06095-4774.

As principal underwriter, Voya Financial Partners, LLC may enter into arrangements with one or more registered broker-dealers to offer and sell the contracts. We and our affiliate(s) may also sell the contracts directly. All individuals offering and selling the contracts must be registered representatives of a broker-dealer and must be licensed as insurance agents to sell variable annuity contracts. For additional information, see the contract prospectus.

Taxation

You should seek advice from your tax adviser as to the application of federal (and where applicable, state and local) tax laws to amounts paid to or distributed under the contracts. Refer to the applicable contract prospectus for a further discussion of tax considerations.

Taxation of the Company. We are taxed as a life insurance company under Part I of Subchapter L of the Internal Revenue Code. The Company owns all assets supporting the contract obligations of GAA. Any income earned on such assets is considered income to the Company. We do not intend to make any provision or impose a charge under the contracts with respect to any tax liability of the Company.

Taxation of Payments and Distributions. For information concerning the tax treatment of payments to and distributions from the contracts, please refer to the applicable contract prospectus.

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Experts

The financial statements of the Company appearing in the Company’s Annual Report (Form 10-K) for the year ended December 31, 2018 (including schedules appearing therein), have been audited by Ernst & Young LLP, independent registered public accounting firm, as set forth in their reports thereon, included therein, and incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference in reliance upon such reports given on the authority of such firm as experts in accounting and auditing.

The primary business address of Ernst & Young LLP is 200 Clarendon St., Boston, MA 02116.

Legal Matters

For information regarding legal matters affecting the Company or the distributor of the variable annuity contracts, please refer to the applicable contract prospectus.

Further Information

This prospectus does not contain all of the information contained in the registration statement of which this prospectus is a part. Portions of the registration statement have been omitted from this prospectus as allowed by the SEC. You may obtain the omitted information from the offices of the SEC, as described below. We are required by the Securities Exchange Act of 1934 (the “Exchange Act”) to file periodic reports and other information with the SEC. You may inspect or copy information concerning the Company at the Public Reference Branch of the SEC at:

Securities and Exchange Commission

100 F Street, NE, Room 1580

Washington, D.C. 20549

You may also obtain copies of these materials at prescribed rates from the Public Reference Branch of the above office. You may obtain information on the operation of the Public Reference Branch by calling the SEC at either 1-800-SEC-0330 or 1-202-551-8090 or by e-mailing publicinfo@sec.gov. You may also find more information about the Company by visiting the Company’s homepage on the internet at www.voya.com.

Our filings are available to the public on the SEC’s website at www.sec.gov. (This uniform resource locator (URL) is an inactive textual reference only and is not intended to incorporate the SEC website into this prospectus.) When looking for more information about the contract, you may find it useful to use the number assigned to the registration statement under the Securities Act of 1933. This number is 333-__________________.

Incorporation of Certain Documents by Reference

The SEC allows us to “incorporate by reference” information that we file with the SEC into this prospectus, which means that incorporated documents are considered part of this prospectus. We can disclose important information to you by referring you to those documents. This prospectus incorporates by reference the Annual Report on Form 10-K for the year ended December 31, 2018. Form 10-K contains additional information about the Company and includes certified financial statements as of December 31, 2018 and 2017, and for each of the three years in the period ended December 31, 2018. We were not required to file any other reports pursuant to Sections 13(a) or 15(d) of the Exchange Act since December 31, 2018. All documents subsequently filed by the Company pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act, prior to the termination of the offering shall be deemed to be incorporated by reference into this prospectus. The registration statements, of which this prospectus is a part and our Exchange Act filings, are available to the public on the SEC’s website at www.sec.gov, and we file these documents electronically according to EDGAR under CIK No. 0000837010.

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You may request a free copy of any documents incorporated by reference in this prospectus (including any exhibits that are specifically incorporated by reference in them). Please direct your request to:

Voya Retirement Insurance and Annuity Company

Customer Service

One Orange Way
Windsor, CT 06095-4774

1-800-584-6001

Inquiries

You may contact us directly by writing or calling to us at the address or phone number shown above.

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Appendix I

Examples of Market Value Adjustment Calculations

The following are examples of market value adjustment ("MVA”) calculations using several hypothetical yields, applicable to contracts that use Method One to calculate the MVA. These examples do not include the effect of any early withdrawal charge or other fees that may be assessed under the contract upon withdrawal.

EXAMPLE I

a is the average of the US Treasury Rate in effect on the first four Fridays of the month of deposit for the corresponding guaranteed term;

b is the US Treasury Rate in effect on the withdrawal date (based on the previous Friday) for a period equal to the remainder of the guaranteed term;

x is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed term.

Note that the Company may change the weekdays noted above, subject to the terms of your contract.

Assumptions:

= 3%

= 4%

= 1%

= 5%

= 1%

= 927

{

}

365

{

}

365

(1 + a + i)

MVA

(1 + b + j)

MVA

(1 + b + j)

{

}

927

365

{

}

927

365

(1.04)

(1.05)

MVA

(1.06)

MVA

(1.06)

= .9528

= .9762

In this example, the average corporate bond yield of the month of deposit (a + i) of 4% is less than the current corporate bond yield at the time of withdrawal (b + j) of 6%; therefore, the MVA is less than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

If a withdrawal or transfer request of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be increased to compensate for the negative MVA amount. For example, a withdrawal request to receive a check for $2,000 would result in a $2,099.08 withdrawal from the guaranteed term.

In this example, the average corporate bond yield of the month of deposit (a + i) of 5% is less than the current corporate bond yield at the time of withdrawal (b + j) of 6%; therefore, the MVA is less than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

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EXAMPLE II

a is the average of the US Treasury Rate in effect on the first four Fridays of the month of deposit for the

corresponding guaranteed term;

b is the US Treasury Rate in effect on the withdrawal date (based on the previous Friday) for a period equal to the remainder of the guaranteed term;

x is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed term.

Note that the Company may change the weekdays noted above, subject to the terms of your contract.

Assumptions:

= 5%

= 4%

= 1%

= 3%

= 1%

= 927

{

}

365

{

}

365

(1 + a + i)

MVA

(1 + b + j)

MVA

(1 + b + j)

{

}

927

365

{

}

927

365

(1.06)

(1.05)

MVA

(1.04)

MVA

(1.04)

= 1.0496

= 1.0246

In this example, the average corporate bond yield of the month of deposit (a + i) of 6% is greater than the current corporate bond yield at the time of withdrawal (b + j) of 4%; therefore, the MVA is greater than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

If a withdrawal or transfer request of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be decreased to reflect the positive MVA amount. For example, a withdrawal request to receive a check for $2,000 would result in a $1,905.49 withdrawal from the guaranteed term.

In this example, the average corporate bond yield of the month of deposit (a + i) of 5% is greater than the current corporate bond yield at the time of withdrawal (b + j) of 4%; therefore, the MVA is greater than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

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The following are examples of market value adjustment ("MVA") calculations using several hypothetical deposit period yields and current yields, applicable to contracts that use Method Two to calculate the MVA. These examples do not include the effect of any early withdrawal charge or other fees that may be assessed under the contract upon withdrawal.

EXAMPLE I

Assumptions:

the deposit period yield, is 4%

the deposit period yield, is 5%

the current yield, is 6%

the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.

{

}

365

{

}

365

(1 + i)

MVA

(1 + j)

MVA

(1 + j)

{

}

927

365

{

}

927

365

(1.04)

(1.05)

MVA

(1.06)

MVA

(1.06)

= .9528

= .9762

In this example, the deposit period yield of 4% is less than the current yield of 6%; therefore, the MVA is less than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

In this example, the deposit period yield of 5% is less than the current yield of 6%; therefore, the MVA is less than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

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EXAMPLE II

Assumptions:

the deposit period yield, is 6%

the deposit period yield, is 5%

the current yield, is 4%

the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.

{

}

365

{

}

365

(1 + i)

MVA

(1 + j)

MVA

(1 + j)

{

}

927

365

{

}

927

365

(1.06)

(1.05)

MVA

(1.04)

MVA

(1.04)

= 1.0496

= 1.0246

In this example, the deposit period yield of 6% is greater than the current yield of 4%; therefore, the MVA is greater than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

In this example, the deposit period yield of 5% is greater than the current yield of 4%; therefore, the MVA is greater than one. The amount withdrawn from the guaranteed term is multiplied by this MVA.

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Appendix II

Examples of Market Value Adjustment at Various Yields

The following hypothetical examples show the market value adjustment (“MVA”) at time of withdrawal for various times remaining in the guaranteed term, based on:

· Method One, which uses the current and average corporate bond yields (US Treasury Rate plus spread over Treasury) in the MVA calculations; and

· Method Two, which uses the current and deposit period yields in the MVA calculations.

Table A illustrates the application of the MVA based on an average corporate bond yield or deposit period yield of the month of deposit of 6%; Table B illustrates the application of the MVA based on an average corporate bond yield or deposit period yield of the month of deposit of 5%. The MVA will have either a positive or negative influence on the amount withdrawn from or remaining in a guaranteed term. Also, the amount of the MVA generally decreases as the end of the guaranteed term approaches.

TABLE A: Average Corporate Bond Yield or Deposit Period Yield of the Month of Deposit of 6%

Current Corporate Bond Yield or Current Yield at Time of	Change in Average Corporate Bond Yield or Deposit Period Yield of the Month	Time Remaining to Maturity of Guaranteed Term
Withdrawal	of Deposit	8 Years	6 Years	4 Years	2 Years	1 Year	3 Months
9%	+3%	80.0%	84.6%	89.4%	94.6%	97.2%	99.3%
8%	+2%	86.1%	89.4%	92.8%	96.3%	98.1%	99.5%
7%	+1%	92.8%	94.5%	96.3%	98.1%	99.1%	99.8%
6%	0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
4%	-2%	116.5%	112.1%	107.9%	103.9%	101.9%	100.5%
3%	-3%	125.8%	118.8%	112.2%	105.9%	102.9%	100.7%
2%	-4%	136.0%	126.0%	116.6%	108.0%	103.9%	101.0%
1%	-5%	147.2%	133.6%	121.3%	110.1%	105.0%	101.2%

TABLE B: Average Corporate Bond Yield or Deposit Period Yield of the Month of Deposit of 5%

Current Corporate Bond Yield or Current Yield at Time of	Change in Average Corporate Bond Yield or Deposit Period Yield of the Month	Time Remaining to Maturity of Guaranteed Term
Withdrawal	of Deposit	8 Years	6 Years	4 Years	2 Years	1 Year	3 Months
9%	+4%	74.1%	79.9%	86.1%	92.8%	96.3%	99.1%
8%	+3%	79.8%	84.4%	89.3%	94.5%	97.2%	99.3%
7%	+2%	86.0%	89.3%	92.7%	96.3%	98.1%	99.5%
6%	+1%	92.7%	94.5%	96.3%	98.1%	99.1%	99.8%
4%	-1%	108.0%	105.9%	103.9%	101.9%	101.0%	100.2%
3%	-2%	116.6%	112.2%	108.0%	103.9%	101.9%	100.5%
2%	-3%	126.1%	119.0%	112.3%	106.0%	102.9%	100.7%
1%	-4%	136.4%	126.2%	116.8%	108.1%	104.0%	101.0%

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PART II

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 14. Other Expenses of Issuance and Distribution

Not Applicable

Item 15. Indemnification of Directors and Officers

Section 33-779 of the Connecticut General Statutes (“CGS”) provides that a corporation may provide indemnification of or advance expenses to a director, officer, employee or agent only as permitted by Sections 33-770 to 33-778, inclusive, of the CGS. Reference is hereby made to Section 33-771(e) of the CGS regarding indemnification of directors and Section 33-776(d) of CGS regarding indemnification of officers, employees and agents of Connecticut corporations. These statutes provide in general that Connecticut corporations incorporated prior to January 1, 1997 shall, except to the extent that their certificate of incorporation expressly provides otherwise, indemnify their directors, officers, employees and agents against “liability” (defined as the obligation to pay a judgment, settlement, penalty, fine, including an excise tax assessed with respect to an employee benefit plan, or reasonable expenses incurred with respect to a proceeding) when (1) a determination is made pursuant to Section 33-775 that the party seeking indemnification has met the standard of conduct set forth in Section 33-771 or (2) a court has determined that indemnification is appropriate pursuant to Section 33-774. Under Section 33-775, the determination of and the authorization for indemnification are made (a) by two or more disinterested directors, as defined in Section 33-770(3); (b) by special legal counsel; (c) by the shareholders; or (d) in the case of indemnification of an officer, agent or employee of the corporation, by the general counsel of the corporation or such other officer(s) as the board of directors may specify. Also, Section 33-772 with Section 33-776 provide that a corporation shall indemnify an individual who was wholly successful on the merits or otherwise against reasonable expenses incurred by him in connection with a proceeding to which he was a party because he is or was a director, officer, employee, or agent of the corporation. Pursuant to Section 33-771(d), in the case of a proceeding by or in the right of the corporation or with respect to conduct for which the director, officer, agent or employee was adjudged liable on the basis that he received a financial benefit to which he was not entitled, indemnification is limited to reasonable expenses incurred in connection with the proceeding against the corporation to which the individual was named a party.

A corporation may procure indemnification insurance on behalf of an individual who is or was a director of the corporation. Consistent with the laws of the State of Connecticut, Voya Financial, Inc. maintains Professional Liability and fidelity bond insurance policies issued by an international insurer. The policies cover Voya Financial, Inc. and any company in which Voya Financial, Inc. has a controlling financial interest of 50% or more. The policies cover the funds and assets of the principal underwriter/depositor under the care, custody and control of Voya Financial, Inc. and/or its subsidiaries. The policies provide for the following types of coverage: errors and omissions/professional liability, employment practices liability and fidelity/crime (a.k.a. “Financial Institutional Bond”).

Section 20 of the Voya Financial Partners, LLC Limited Liability Company Agreement executed as of November 28, 2000 provides that Voya Financial Partners, LLC will indemnify certain persons against any loss, damage, claim or expenses (including legal fees) incurred by such person if he is made a party or is threatened to be made a party to a suit or proceeding because he was a member, officer, director, employee or agent of Voya Financial Partners, LLC, as long as he acted in good faith on behalf of Voya Financial Partners, LLC and in a manner reasonably believed to be within the scope of his authority. An additional condition requires that no person shall be entitled to indemnity if his loss, damage, claim or expense was incurred by reason of his gross negligence or willful misconduct. This indemnity provision is authorized by and is consistent with Title 8, Section 145 of the General Corporation Law of the State of Delaware.

Item 16. Exhibits

(a) Furnish the exhibits as required by Item 601 of Regulation S-K (§229.601):

(1)	(a)	Underwriting Agreement dated November 17, 2006 between Aetna Life Insurance and Annuity Company and ING Financial Advisers, LLC · Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement on Form N-4 (File No. 033-75996), as filed on December 20, 2006.
	(b)	Confirmation of Underwriting Agreement · Incorporated by reference to Registration Statement on Form S-1 (File No. 333-133158), as filed on April 10, 2006.
(4)	Instruments Defining the Rights of Security Holders · Incorporated by reference to Post-Effective Amendment No. 1 to Registration Statement on Form S-1 (File No. 033-60477), as filed on April 15, 1996.
	(a)		Variable Annuity Contract (G-CDA-HF) · Incorporated by reference to Post-Effective Amendment No. 14 to Registration Statement on Form N-4 (File No. 033-75964), as filed on July 29, 1997.
	(b)		Variable Annuity Contract Certificate (GTCC-HF) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75980), as filed on February 12, 1997.
	(c)		Variable Annuity Contract (GIT-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 (File No. 033-75964), as filed on February 11, 1997.
	(d)		Variable Annuity Contract (G-CDA-IA(RP)) · Incorporated by reference to Post-Effective Amendment No. 5 to the Registration Statement on Form N-4 (File No. 033-75986), as filed on April 12, 1996.
	(e)		Variable Annuity Contract Certificate (GTCC-IA(RP)) · Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 4, 1999.
	(f)		Variable Annuity Contract (G-CDA(12/99)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(g)		Variable Annuity Contract Certificate (C-CDA(12/99)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.

	(h)	Variable Annuity Contract (GLIT-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 (File No. 033-75964), as filed on February 11, 1997.
	(i)	Variable Annuity Contract (GST-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 (File No. 033-75964), as filed on February 11, 1997.
	(j)	Variable Annuity Contract (IP-CDA-IB) · Incorporated by reference to Post-Effective Amendment No. 4 to Registration Statement on Form N-4 (File No. 033-75988), as filed on April 15, 1996.
	(k)	Variable Annuity Contract (I-CDA-IA(RP)) · Incorporated by reference to Post-Effective Amendment No. 5 to the Registration Statement on Form N-4 (File No. 033-75986), as filed on April 12, 1996.
	(l)	Variable Annuity Contract (I-CDA-HD) · Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 (File No. 033-75964), as filed on February 11, 1997.
	(m)	Variable Annuity Contract (GIH-CDA-HB) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75980), as filed on February 12, 1997.
	(n)	Variable Annuity Contract (IMT-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75980), as filed on February 12, 1997.
	(o)	Variable Annuity Contract (G-401-IB(X/M)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-81216), as filed on April 7, 1996.
	(p)	Variable Annuity Contract (G-CDA-IB(XC/SM)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-81216), as filed on April 7, 1996.
	(q)	Variable Annuity Contracts (G-CDA-IB(ATORP)) and (G-CDA-IB(AORP)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-91846), as filed on April 15, 1996.
	(r)	Variable Annuity Contract (G-CDA-96(TORP)) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-91846), as filed on August 6, 1996.
	(s)	Group Combination Annuity Contract (Nonparticipating) (A001RP95) · Incorporated by reference to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 21, 1996.
	(t)	Group Combination Annuity Certificate (Nonparticipating) (A007RC95) · Incorporated by reference to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 21, 1996.
	(u)	Group Combination Annuity Contract (Nonparticipating) (A020RV95) · Incorporated by reference to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 21, 1996.

	(v)	Group Combination Annuity Contract (Nonparticipating) (A027RV95) · Incorporated by reference to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 21, 1996.
	(w)	Variable Annuity Contract (GID-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement on Form N-4 (File No. 033-75982), as filed on February 20, 1997.
	(x)	Variable Annuity Contract (GSD-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement on Form N-4 (File No. 033-75982), as filed on February 20, 1997.
	(y)	Variable Annuity Contract (IST-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement on Form N-4 (File No. 033-75992), as filed on February 13, 1997.
	(z)	Variable Annuity Contract (I-CDA-HD(XC)) · Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement on Form N-4 (File No. 033-75992), as filed on February 13, 1997.
	(aa)	Variable Annuity Contract (HR1O-DUA-GIA) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75974), as filed on February 28, 1997.
	(bb)	Variable Annuity Contract (GA-UPA-GO) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75974), as filed on February 28, 1997.
	(cc)	Variable Annuity Contracts (G-TDA-HH(XC/M)) and (G-TDA-HH(XC/S)) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75962), as filed on April 17, 1996.
	(dd)	Variable Annuity Certificate (GTCC-HH(XC/M)) · Incorporated by reference to Post-Effective Amendment No. 14 to Registration Statement on Form N-4 (File No. 033-75962), as filed on April 17, 1998.
	(ee)	Variable Annuity Certificate (GTCC-HH(XC/S)) · Incorporated by reference to Post-Effective Amendment No. 14 to Registration Statement on Form N-4 (File No. 033-75962), as filed on April 17, 1998.
	(ff)	Variable Annuity Contract (IA-CDA-IA) · Incorporated by reference to Post-Effective Amendment No. 14 to Registration Statement on Form N-4 (File No. 033-75964), as filed on July 29, 1997.
	(gg)	Variable Annuity Contract (GLID-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement on Form N-4 (File No. 033-75982), as filed on February 20, 1997.
	(hh)	Variable Annuity Contract (G-CDA-HD) · Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75982), as filed on April 22, 1996.
	(ii)	Variable Annuity Contract Certificate (GTCC-HD) · Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 4, 1999.

	(jj)	Variable Annuity Contract (G-CDA-IA(RPM/XC)) · Incorporated by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 (File No. 033-75964), as filed on February 11, 1997.
	(kk)	Variable Annuity Contracts and Certificate (G-CDA-95(ORP)), (G-CDA-95(TORP)) and (GTCC-95 (ORP)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-91846), as filed on April 15, 1996.
	(ll)	Variable Annuity Contracts and Certificate (G-CDA-ORP), (CDA-IB(TORP)) and (GTCC-95(TORP)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-91846), as filed on April 15, 1996.
	(mm)	Variable Annuity Contract (IRA-CDA-IC) · Incorporated by reference to Post-Effective Amendment No. 5 to the Registration Statement on Form N-4 (File No. 033-75986), as filed on April 12, 1996.
	(nn)	Variable Annuity Contract (GIP-CDA-HB) · Incorporated by reference to Post-Effective Amendment No. 8 to Registration Statement on Form N-4 (File No. 033-75980), as filed on August 19, 1997.
	(oo)	Variable Annuity Contract (I-CDA-98(ORP)) · Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 4, 1999.
	(pp)	Variable Annuity Contract (G-CDA-99(NY)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(qq)	Variable Annuity Contract Certificate (C-CDA-99(NY)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(rr)	Variable Annuity Contract Certificate (GDCC-HF) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(ss)	Variable Annuity Contract Certificate (GDCC-HD) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(tt)	Variable Annuity Contract (G-CDA-HD(XC) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(uu)	Variable Annuity Contract Certificate (GDCC-HO) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(vv)	Variable Annuity Contract Certificate (GDCC-HD(XC)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.

	(ww)	Variable Annuity Contract Certificate (GTCC-HD(XC)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(xx)	Variable Annuity Contract Certificate (GTCC-HO) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(yy)	Variable Annuity Contract Certificate (GTCC-96(ORP)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(zz)	Variable Annuity Contract G-CDA-96(ORP)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(a1)	Variable Annuity Contract Certificate (GTCC-96(TORP)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(b1)	Variable Annuity Contract Certificate (GTCC-IB(ATORP)) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(c1)	Variable Annuity Contract Certificate (GTCC-IB(AORP) · Incorporated by reference to Post-Effective Amendment No. 19 to Registration Statement on Form N-4 (File No. 333-01107), as filed on February 16, 2000.
	(d1)	Variable Annuity Contract (ISE-CDA-HO) · Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement on Form N-4 (File No. 033-75996), as filed on February 16, 2000.
	(e1)	Variable Annuity Contract (G-CDA-IB(ORP)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-91846), as filed on April 15, 1996.
	(f1)	Variable Annuity Contract (G-CDA-IB(TORP)) · Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File No. 033-91846), as filed on April 15, 1996.
	(g1)	Variable Annuity Contract (G-CDA-01(NY)) · Incorporated by reference to Post-Effective Amendment No. 1 to Registration Statement on Form S-2 (File No. 333-60016), as filed on April 5, 2002.
	(h1)	Variable Annuity Contract Certificate (C-CDA-01(NY)) · Incorporated by reference to Post-Effective Amendment No. 1 to Registration Statement on Form S-2 (File No. 333-60016), as filed on April 5, 2002.
	(i1)	Variable Annuity Contract (G-CDA-10) · Incorporated by reference to Post-Effective Amendment No. 15 to Registration Statement on Form N-4 (File No. 333-109860), as filed on September 17, 2010.
	(j1)	Variable Annuity Contract Certificate (C-CDA-10) · Incorporated by reference to Post-Effective Amendment No. 15 to Registration Statement on Form N-4 (File No. 333-109860), as filed on September 17, 2010.

	(k1)	Variable Annuity Contract Certificate (rebranded) GTCC-HD(XC)-16
	(l1)	Variable Annuity Contract Certificate (rebranded) C-CDA-15(NY-MMI)
	(m1)	Variable Annuity Contract Certificate (rebranded) GTCC-HH(XC/M)-15
	(n1)	Endorsement E-403bR-09 to Contracts G-CDA-HF, GIT-CDA-HO, G-CDA-IA(RP), G-CDA-(12/99), GLIT- CDA-HO, GST-CDA-HO, I-CDA-HD, IMT-CDA-HO, G-CDA-IB(XC/SM), G-CDA-IB(ATORP), G-CDA-96(TORP), IST-CDA-HO, G-TDA-HH(XC/M), G-TDA-HH(XC/S), IA-CDA-IA, G-CDA-HD, G-CDA-IA(RPM/XC), G-CDA-99(NY), G-CDA-HD(XC), G-CDA-IB(TORP) and G-CDA-01(NY) and Group Contract A001RP95 and Certificates GTCC-HF, GTCC-IA(RP), C-CDA-(12/99), GTCC-HH(XC/M), GTCC-HD, GTCC-HD(XC), GTCC-HO, GTCC-96(TORP), GTCC-IB(ATORP) and C-CDA-01(NY) and Group Certificates A007RC95 and A020RV95 · Incorporated by reference to Registration Statement on Form S-1 or ING Life Insurance and Annuity Company (File No. 333-158492), as filed on April 8, 2009.
	(o1)	Endorsement E-403bTERM-08 to Contracts G-CDA-HF, GIT-CDA-HO, G-CDA-IA(RP), G-CDA-(12/99), GLIT- CDA-HO, GST-CDA-HO, I-CDA-HD, IMT-CDA-HO, G-CDA-IB(XC/SM), G-CDA-IB(ATORP), G-CDA-96(TORP), IST-CDA-HO, G-TDA-HH(XC/M), G-TDA-HH(XC/S), IA-CDA-IA, G-CDA-HD, G-CDA-IA(RPM/XC), G-CDA-99(NY), G-CDA-HD(XC), G-CDA-IB(TORP) and G-CDA-01(NY) and Group Contract A001RP95 and Certificates GTCC-HF, GTCC-IA(RP), C-CDA-(12/99), GTCC-HH(XC/M), GTCC-HD, GTCC-HD(XC), GTCC-HO, GTCC-96(TORP), GTCC-IB(ATORP) and C-CDA-01(NY) and Group Certificates A007RC95 and A020RV95 · Incorporated by reference to Registration Statement on Form S-1 or ING Life Insurance and Annuity Company (File No. 333-158492), as filed on April 8, 2009.
	(p1)	Endorsement E-LIF-10(XC) to Contracts G-CDA(12/99) and G-CDA-10 and Contract Certificates C-CDA(12/99) and C-CDA-10 · Incorporated by reference to Post-Effective Amendment No. 59 to Registration Statement on Form N-4 (File No. 333-01107), as filed on April 15, 2011.
	(q1)	Endorsement E-USWD-13 to Contracts G-TDA-HH(XC/M) and G-TDA-HH(XC/S) and Contract Certificates GTCC-HH(XC/M) and GTCC-HH(XC/S) · Incorporated by reference to Post-Effective Amendment No. 62 to Registration Statement on Form N-4 (File No. 033-75962), as filed on April 8, 2014.
	(r1)	Guaranteed Interest Rate Endorsement E-TDAINT-15 to Contracts G-CDA-IA(RP), G-CDA-HF, GIT-CDA-HO, GLIT-CDA-HO and G-CDA-HD and Contract Certificates GTCC-IA-(RP) and GTCC-HF
	(s1)	Guaranteed Interest Rate Endorsement E-DCINT-15 to Contracts G-CDA-HF, GID-CDA-HO, GLID-CDA-HO and G-CDA-HD and Contract Certificate GTCC-HF

(5)	Opinion re: Legality
(23)	(a)	Consent of Independent Registered Public Accounting Firm
(23)	(b)	Consent of Legal Counsel (included in Exhibit (5) above)
(24)	(a)	Powers of Attorney (included on Signature Page of this Registration)
(24)	(b)	Certificate of Resolution Authorizing Signature by Power of Attorney · Incorporated by reference to Post-Effective Amendment No. 5 to the Registration Statement on Form N-4 (File No. 033-75986), as filed on April 12, 1996.

Exhibits other than those listed above are omitted because they are not required or are not applicable.

Item 17. Undertakings

The undersigned registrant hereby undertakes as follows, pursuant to Item 512 of Regulation
S-K:

(a) Rule 415 offering:

(1) Not Applicable

(2) That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(3) To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

(4) Not Applicable

(5)(i) Not Applicable

(5)(ii) That for, the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.

(6) That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, the undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:

(i) Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;

(ii) Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;

(iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and

(iv) Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.

(b) Filings incorporating subsequent Exchange Act documents by reference:

The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant's annual report pursuant to section 13(a) or section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan's annual report pursuant to section 15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(d) Not Applicable

(e) Not Applicable

(f) Not Applicable

(g) Not Applicable

(h) Request for acceleration of effective date: Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or

controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

(i) Not Applicable

(j) Not Applicable

(k) Not Applicable

(l) Not Applicable

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the Town of Windsor, State of Connecticut, on this 3^rd day of April, 2019.

	By:	VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY
		(Depositor)
	By:	/s/Charles P. Nelson
		Charles P. Nelson President (principal executive officer)

As required by the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the date indicated. Each person whose signature appears below hereby constitutes and appoints Peter M. Scavongelli and Justin Smith, and each of them individually, such person’s true and lawful attorneys and agents with full power of substitution and re-substitution for him or her and in his or her name, place and stead, in any and all capacities, to sign for such person and in such person’s name and capacity indicated below, any and all amendments to this Registration Statement, hereby ratifying and confirming such person’s signature as it may be signed by said attorneys to any and all amendments (pre-effective and post-effective amendments).

Signature	Title		Date

/s/Charles P. Nelson	Director and President	)	April 1, 2019
Charles P. Nelson	(principal executive officer)	)
		)
/s/Francis G. O’Neill	Senior Vice President and Chief Financial Officer	)	April 1, 2019
Francis G. O’Neill	(principal financial officer)	)
		)
/s/C. Landon Cobb, Jr.	Senior Vice President and Chief Accounting Officer	)	April 1, 2019
C. Landon Cobb, Jr.	(principal accounting officer)	)
		)
/s/William Bainbridge	Director	)	April 1, 2019
William T. Bainbridge		)
		)
/s/Tony Brantzeg	Director	)	April 1, 2019
Anthony J. Brantzeg		)
		)
/s/Rodney O. Martin, Jr.	Director	)	April 1, 2019
Rodney O. Martin, Jr.		)
		)

/s/Michael S. Smith		Director	)	April 1, 2019
Michael S. Smith			)

By:	/s/Peter M. Scavongelli
Peter M. Scavongelli *Attorney-in-Fact

Witness & Notary

Attested and subscribed in the presence of the principal and subsequent to the principal subscribing same:

First Witness signs: /s/ Michele Eleveld Second Witness Signs: /s/ Christiana J. Raby

Printed name of witness: Michele Eleveld Printed name of witness: Christiana J. Raby

State of Connecticut)

County of Hartford ) ss: at Windsor on April 1, 2019

Personally Appeared Charles P. Nelson, Signer and Sealer of the foregoing instrument, and acknowledged the same to be his free act and deed, before me.

/s/ Jo-Ann L. Samela

Notary Public

Jo-Ann L. Samela

Notary Public, State of Connecticut

Commission Expires: 5/31/2023

*****************************************************

Witness & Notary

Attested and subscribed in the presence of the principal and subsequent to the principal subscribing same:

First Witness signs: /s/ Kathy Bradley Second Witness Signs: /s/ Robert Julson

Printed name of witness: Kathy Bradley Printed name of witness: Robert Julson

State of Connecticut)

County of Hartford ) ss: at Windsor on April 1, 2019

Personally Appeared Francis G. O’Neill, Signer and Sealer of the foregoing instrument, and acknowledged the same to be his free act and deed, before me.

/s/ Denise M. Nowakowski

Notary Public

Denise M. Nowakowski

Notary Public, State of Connecticut

Commission Expires: Oct. 31, 2021

*****************************************************

State of New York

County of New York

On the 1^st day of April in the year 2019, before me, the undersigned, personally appeared Rodney O. Martin, Jr., personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his capacity, and that by his signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument.

/s/ Pier A. Moore

Notary Public

Pier A. Moore

Notary Public, State of New York

No. 01MO6115336

Qualified in Kings County

Certified filed in New York County

Commission Expires Sept. 7, 2020

STATEMENT OF WITNESS

On the date written above, the principal (C. Landon Cobb, Jr.) declared to me in my presence that this instrument is his general durable power of attorney and that he had willingly signed or directed another to sign for him, and that he executed it as his free and voluntary act for the purposes therein expressed.

/s/ Cynthia Grimm                                                                              Signature of Witness #1
Cynthia Grimm                                                                                    Printed or typed name of Witness #1
Voya Financial, 5780 Powers Ferry Rd. NW                                  Address of Witness #1
Atlanta, GA 30327

/s/ Wendy Waterman                                                                         Signature of Witness #2
Wendy Waterman                                                                               Printed or typed name of Witness #2
Voya Financial, 5780 Powers Ferry Road, NW                             Address of Witness #2
Atlanta, GA 30327

Exhibit Index

Exhibit No.	Exhibit

16(a)(4)(k1)	Variable Annuity Contract Certificate (rebranded) GTCC-HD(XC)-16

16(a)(4)(l1)	Variable Annuity Contract Certificate (rebranded) GTCC-HH(XC/M)-15

16(a)(4)(m1)	Variable Annuity Contract Certificate (rebranded) C-CDA-15(NY-MMI)

16(a)(5)	Opinion re: Legality

16(a)(23)(a)	Consent of Independent Registered Public Accounting Firm

16(a)(23)(b)	Consent of Legal Counsel

16(a)(24)(a)	Powers of Attorney (included on the Signature Page of this Registration)

EX-16 4 ex16a4k1gtcchdxc16.htm EXHIBIT 16(A)(4)(K1) GTCC-HD(XC)-16 CONTRACT CERTIFICATE ex16a4k1gtcchdxc16.htm - Generated by SEC Publisher for SEC Filing

VOYA

Exhibit 16(a)(4)(k1)

Voya Retirement Insurance and Annuity Company

Home Office: [One Orange Way

Windsor, CT 06095-4774]

[1-800-525-4225]

Herein called the Company.

Certificate of Group Annuity Coverage

To the Employee:

The Company certifies that coverage is in force for you under the stated Group Annuity Contract and Certificate numbers. All data shown here are taken from Company records and are based upon information furnished by you.

This Certificate is a summary of the Group Annuity Contract provisions. It replaces any and all prior certificates, riders, or amendments issued to you under the stated Contract and Certificate numbers. This Certificate is for information only and is not a part of the Contract.

THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN PARTS III AND IV.

[Right to Cancel

You may cancel this Certificate within 10 days of receiving it, by returning this Certificate along with a written notice to the Company at the above address or to the agent from whom it was purchased. Within 7 days after it receives the notice of cancellation and this Certificate at its Home Office, the Company will return the entire consideration paid; plus any increase or minus any decrease in the cash value of any funds allocated to the Separate Account.]

/s/Charles P. Nelson

/s/Jennifer M. Ogren

President

Secretary

Contract Holder

[CONTRACT HOLDER NAME]

Group Annuity Contract No.

[CONTRACT NUMBER]

Your Name

[PARTICIPANT NAME]

Certificate No.

[CERTIFICATE NUMBER]

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. [THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CASH VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY. ]

GTCC-HD(XC)-16

This page is intentionally left blank.

Specifications

Guaranteed Interest Rate - Fixed Account

[The Company will add interest daily to all amounts held in the Fixed Account. For each calendar year, the Company will set a minimum guaranteed annual interest rate which will apply to all amounts held in the Fixed Account during the calendar year. This rate will never be less than an annual rate of [1% -3%]. This one year minimum guaranteed interest rate will be established prior to each calendar year and will be made available to the Contract Holder in advance of the calendar year. The Company, in its discretion, may credit interest at a rate greater than this one year rate. The Company will make available to the Contract Holder the rate currently being credited to amounts held in the Fixed Account.] (See 1.04.)

Surrender Fee

There will be a charge deducted for early surrender. (See 3.12.)

Deductions from the Separate Account

There will be deductions for mortality and expense risks and administrative fees. (See 3.06.)

Deductions from Purchase Payment(s)

Purchase Payment(s) are subject to a deduction for premium taxes, if any. (See 3.01.)

[Investment Selections Made by Participant at Enrollment

[List of investments initially selected by Participant at enrollment.]]

[Guaranteed Accumulation Account (GA Account)

Definitions

Deposit Period

A calendar month, a calendar quarter, or any other period of time specified by the Company during which Net Purchase Payment(s) and transfers are accepted into the GA Account for one or more Guaranteed Term(s).

Guaranteed Accumulation Account (GA Account)

An accumulation option which guarantees a stipulated rate of interest for stated periods of time. Amounts withdrawn before the end of the Guaranteed Term may be subject to a Market Value Adjustment.

Guaranteed Term (Term)

The period of time for which interest rates are guaranteed on Net Purchase Payment(s) and on transfers made into a Deposit Period of the GA Account. Term(s) are offered at the Company's discretion for various lengths of time ranging up to and including ten years.

Matured Term Value

The amount available on a GA Account Term's Maturity Date.

Maturity Date

The last day of a GA Account Term.

Nonunitized Separate Account:

A separate account, established by the Company under Section 38a-433 of the Connecticut General Statutes, that holds assets for GA Account Guaranteed Terms of more than three years and, on and after September 1, 1998, amounts allocated or transferred to Guaranteed Terms of three years or less. There are no discrete units for this Account. The Contract Holder or Participant, as applicable, does not participate in the investment gain or loss from assets held in the Nonunitized Separate Account. Such gain or loss is borne entirely by the Company. The assets of the Nonunitized Separate Account, to the extent of reserves and other contract liabilities, may not be charged with other Company liabilities.

GTCC-HD(XC)-16

Guaranteed Accumulation Account (GA Account)

The GA Account guarantees stipulated rates of interest for stated periods of time (see Deposit Period above and (a) below). Amounts withdrawn before the end of a Guaranteed Term may be subject to a Market Value Adjustment (MVA) (see (e) below).

(a)

Guaranteed Term Classifications - The grouping of Terms according to their time to maturity. The following are the Classifications:

	(1)	Short-Term: Terms of up to and including three years; or
	(2)	Long-Term: Terms of greater than three years and up to and including ten years.

During a Deposit Period, the Company may make available one or more Term(s) within a Classification. The Contract Holder or Participant, as applicable, has the option to allocate Net Purchase Payment(s) and transfers into any or all of the available Deposit Period Term(s). If no specific direction is given, Net Purchase Payment(s) and transfers will go into available Term(s) on a pro rata basis within the Classification(s) previously chosen by the Contract Holder or Participant, as applicable. At least one Term in the Short-Term Classification will be available each Deposit Period.

(b)

Guaranteed GA Account Interest Rates (Guaranteed Rates) - The Company will declare all interest rate(s) applicable to a specific Term at the start of the Deposit Period for that Term. These rate(s) are guaranteed by the Company for that Deposit Period and the ensuing Term and are not based on the actual investment experience of the underlying assets in the GA Account. The Guaranteed Rates are annual effective yields. The interest is credited daily at a rate that will produce the guaranteed annual effective yield over the period of a year. No annual rate will ever be less than the minimum guaranteed interest rate set forth in the Contract.

For Term(s) of one year or less, one Guaranteed Interest Rate is set and announced for that full Term. For other Terms, there may be two or more rates. All of these rate(s) may be set and announced prior to the Deposit Period for that Term and will not be subject to change.

(c)

Withdrawals from GA Account - Full or partial surrenders may be requested at any time from the GA Account. However, amounts withdrawn prior to the Maturity Date of a Term to satisfy a surrender request may be subject to an MVA (see (e) below).

Full and partial surrenders are satisfied by withdrawing amounts from each of the Fund(s), the Fixed Account, the GA Account Short-Term Classification and the GA Account Long-Term Classification on a pro rata basis. However, the Contract Holder or Participant, as applicable, may specify a particular order in which investment options will be liquidated in order to satisfy a partial surrender request.

For purposes of withdrawals, Terms within the GA Account Short-Term and Long-Term Classifications are considered as two separate investment options. Any withdrawal which is a surrender will be subject to the Maintenance Fee and Surrender Fee as appropriate. Also, amounts will be removed within a GA Account Classification starting with the Term still in effect with the oldest Deposit Period.

Amounts may be transferred at any time subject to Contract specifications (see the Transfer of Current Value from the Funds or GA Account provision below). Amounts transferred prior to the Maturity Date of a Term are subject to an MVA (see (e) below). Amounts(s) will be removed within the elected Classification starting with the Term still in effect with the oldest Deposit Period.

During the Deposit Period and the 90 days following the close of the Deposit Period, any amounts applied to the GA Account during that Deposit Period may not be withdrawn unless due to:

(1)

A full or partial surrender;

(2)

A payment for an Annuity option; or

(3)

The Sum Payable at Death provision.

GTCC-HD(XC)-16

(d)

Maturity Date/Reinvestment - For all GA Account Term(s), the Contract Holder or Participant, as applicable, will be mailed a notice at least 18 calendar days before a Term's Maturity Date. This notice will contain the current Deposit Period's Guaranteed Rate(s), Term(s) and a projected Matured Term Value.

The Matured Term Value may be surrendered or transferred on the Term's Maturity Date without an MVA. If no specific direction is given by the Contract Holder or Participant, as applicable, prior to the Maturity Date, each Matured Term Value will be reinvested in a Term of the same duration. In the event that a Term of the same duration is unavailable, each Matured Term Value will automatically be reinvested in the next shortest Term available in the same Classification during the then-current Deposit Period. If however, only one Term is available within the Classification, then the Matured Term Value will automatically be reinvested in that Term. Within two business days after the Maturity Date, the Contract Holder or Participant, as applicable, will be mailed a confirmation statement. This notice will state the Terms and Guaranteed Rates which will apply to the reinvested Matured Term Value.

During the calendar month following the Term's Maturity Date, one exception is allowed to the 90 day transfer restriction and MVA under (c) and (e). This exception is applicable to each Matured Term Value plus any interest accrued thereon, provided no part of the Matured Term Value was transferred on the Maturity Date.

During this calendar month period, the Contract Holder or Participant, as applicable, may notify the Company's Home Office to transfer or surrender all or part of the Matured Term Value plus any interest accrued thereon from the GA Account without an MVA. This provision only applies to the first such request received from the Contract Holder or Participant, as applicable, during this period for any Matured Term Value. The Matured Term Value plus any interest accrued thereon may be transferred upon such request without an MVA to:

(1)

Any other Term(s) of the GA Account available in the then-current Deposit Period; or

(2)

Any other allowable Fund(s).

If no such notification is given, the Matured Term Value will remain subject to the terms and conditions of the new Term. All surrender and transfer requests will be processed as of the date they are received in good order at the Company's Home Office.

If the Contract is issued under a tax deferred annuity Plan, the above notice will be sent to the Participant(s).

(e)

Market Value Adjustment (MVA) - There will be an MVA for a withdrawal from the GA Account before the end of a Term when the withdrawal is due to:

(1)

A transfer;

(2)

A full or partial surrender; or

(3)

A payment for an Annuity option.

The market value adjusted amount will be equal to the amount withdrawn multiplied by the following ratio:

	(1 + i) ^x/365
	(1 + j) ^x/365

Where:	i	is the Deposit Period Yield
	j	is the Current Yield
	x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

GTCC-HD(XC)-16

The Deposit Period Yield will be determined as follows:

(1)

At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S. Treasury Notes which mature in the last three months of the Guaranteed Term.

(2)

The Deposit Period Yield is the average of those yields for the Deposit Period. If the withdrawal is made prior to the close of the Deposit Period, it is the average of those yields on each week preceding the withdrawal.

The Current Yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which mature in the last three months of the Guaranteed Term exist, the Company reserves the right to use the U.S. Treasury Notes that mature in a following quarter.

For full and partial surrenders as well as transfers made from the GA Account due to the death of the Participant before Annuity payments begin, the amount withdrawn from the GA Account will be the greater of:

(1)

The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts (for surrender or transfer) from Term(s) prior to the end of those Term(s). The aggregate MVA may be either positive or negative; or

(2)

The applicable portion of the Current Value in the GA Account.

The greater of the aggregate MVA amount or the applicable portion of the Current Value in the GA Account is applied to amounts withdrawn from the GA Account for payments under any Annuity option as provided in 4.06.

[Transfer of Current Value from the Funds or GA Account

Before an Annuity Option is elected, all or any portion of the Current Value may be transferred from any Fund(s) and/or GA Account, if applicable, to:

(a)

Any other allowable Fund;

(b)

To the Fixed Account; or

(c)

Term(s) of the GA Account available in the then-current Deposit Period.

Amounts in a specific GA Account Term cannot be transferred to the Deposit Period of another Term within the same Classification except at the Term's maturity (see (d) Maturity Date/Reinvestment provision in the Guaranteed Accumulation Account (GA Account) section above.)

Amounts applied to Classifications of the GA Account may not be transferred to the Fund(s) and/or to the Fixed Account during the Deposit Period or for 90 days after the close of the Deposit Period.

Transfers from Term(s) of the GA Account are subject to the withdrawal and MVA provisions (see (c) Withdrawals from GA Account and (e) Market Value Adjustment (MVA) provisions in the Guaranteed Accumulation Account (GA Account) section above.)

Twelve transfers of the Current Value can be made during a calendar year period. The Transfer of any portion of the GA Account value at the Maturity Date of a Term is not counted for this purpose. The Company may allow additional transfers, each may be subject to a fee of up to $10.]]

GTCC-HD(XC)-16

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS

1.01	Annuitant ................................................................................................................................................	8
1.02	Annuity ...................................................................................................................................................	8
1.03	Employer.................................................................................................................................................	8
1.04	Fixed Account .........................................................................................................................................	8
1.05	Fixed Annuity .............................................................................................. ...........................................	8
1.06	Fund(s) ...................................................................................................................................................	8
1.07	General Account ....................................................................................................................................	8
1.08	Participant (You) ....................................................................................................................................	8
1.09	Plan ........................................................................................................................................................	8
1.10	Purchase Payments ...............................................................................................................................	8
1.11	Separate Account ..................................................................................................................................	9
1.12	Valuation Period .....................................................................................................................................	9
1.13	Variable Annuity .....................................................................................................................................	9

II.

GENERAL PROVISIONS

2.01	Change of Contract .................................................................................................................................	9
2.02	Non-Participating Contract ......................................................................................................................	9
2.03	Payments ................................................................................................................................................	9
2.04	Control of Contract ..................................................................................................................................	9
2.05	State Laws...............................................................................................................................................	10
2.06	Designation of Beneficiary ......................................................................................................................	10
2.07	Misstatements and Adjustments .............................................................................................................	10
2.08	Incontestability ........................................................................................................................................	10
2.09	Grace Period ...........................................................................................................................................	10
2.10	Plan Administration Subsidy ....................................................................................................................	11

III.

PURCHASE PAYMENT, CURRENT VALUE AND SURRENDER PROVISIONS

3.01	Net Purchase Payment(s) ......................................................................................................................	11
3.02	Contribution Limits ..................................................................................................................................	11
3.03	Individual Account ..................................................................................................................................	12
3.04	Maintenance Fee ....................................................................................................................................	12
3.05	Fund(s) Record Units - Separate Account .............................................................................................	12
3.06	Net Return Factor(s) - Separate Account .............................................................................................	12
3.07	Fund(s) Record Unit Value - Separate Account .....................................................................................	12
3.08	Current Value .........................................................................................................................................	13
3.09	Transfer of Current Value from the Fixed Account .................................................................................	13
3.10	Notice to You ..........................................................................................................................................	13
3.11	Sum Payable at Death (Before Annuity Payments Start) .......................................................................	13
3.12	Surrender Value ......................................................................................................................................	13
3.13	Direct Rollovers ......................................................................................................................................	14
3.14	Payment of Surrender Value ..................................................................................................................	14
3.15	Reinstatement .........................................................................................................................................	14
3.16	Withdrawal Restrictions Under the Code .................................................................................................	14
3.17	Required Distributions .............................................................................................................................	16
3.18	Loans .......................................................................................................................................................	16

GTCC-HD(XC)-16

IV.

ANNUITY PROVISIONS

4.01	Choices to be Made ...............................................................................................................................	16
4.02	Terms of Annuity Options .......................................................................................................................	16
4.03	Death of Annuitant/Beneficiary ...............................................................................................................	17
4.04	Fund(s) Annuity Units - Separate Account..............................................................................................	17
4.05	Fund(s) Annuity Unit Value - Separate Account.....................................................................................	17
4.06	Annuity Options ......................................................................................................................................	18

V.	FEE SCHEDULE

5.01	Maintenance Fee ....................................................................................................................................	26
5.02	Surrender Fee ........................................................................................................................................	26
5.03	Lump-Sum Purchase Payment(s).............................................................................................................	26

GTCC-HD(XC)-16

I.	GENERAL DEFINITIONS

1.01

Annuitant

A person on whose life an Annuity has been effected under the Contract.

1.02

Annuity

Payment of an income:

(a)

for the life of one or two persons;

(b)

for a stated period, or amount; or

(c)

for some mix of (a) and (b).

1.03

Employer

Employer means the common law entity that established the Plan under which the Contract was issued. The Employer must be an organization described in Code Section 403(b)(1)(A). If the Employer is a state or local government entity, the Employer includes all state or local government entities that are on a common payroll with the Employer to the extent eligible under Code Section 403(b)(1)(A). The Employer also may include other Code Section 501(c)(3) entities that are under common control with the Employer, as determined under Treasury Regulation Section 1.414(c)-5.

1.04

Fixed Account

An accumulation option with a guaranteed minimum interest rate as described on the Specification page. The Company may credit a higher rate which is not guaranteed.

1.05

Fixed Annuity

An Annuity with payments which do not vary in amount.

1.06

Fund(s)

The open-end registered management investment companies (mutual funds) made available by the Company under the Contract.

1.07

General Account

The Account holding the assets of the Company, other than those assets held in the Separate Account.

1.08

Participant (You)

A person who participates in the Plan. All references to "you" or "your" refer to a Participant.

1.09

Plan

The Employer's 403(b) plan pursuant to which the Contract is issued or, if applicable, any agreement under which information regarding the Contract and the Employer's 403(b) plan is shared as required by Section 1.403(b)-10(b)(2)(C) of the Treasury Regulations. The Plan is the Contract Holder named on the cover page. The term includes all written documents describing the Plan. The Plan is not a part of the Contract. The Company is not bound by the terms of the Plan.

1.10

Purchase Payments

Payments made to the Company.

GTCC-HD(XC)-16

1.11

Separate Account

An account which buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized are credited or charged to this account without regard to other income, gains or losses of the Company. The Company owns the assets held in a separate account and is not a trustee as to such amounts. These accounts generally are not guaranteed and are held at market value. The assets of such accounts, to the extent of reserves and other contract liabilities of the account, shall not be charged with other Company liabilities.

1.12

Valuation Period (Period)

The period of time from the end of one business day on the New York Stock Exchange to the end of the next business day.

1.13

Variable Annuity

An Annuity with payments which vary with the net investment results of a Separate Account.

II.

GENERAL PROVISIONS

2.01

Change of Contract

Only an authorized officer of the Company may change the terms of the Group Annuity Contract. The Company will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

2.02

Non-Participating Contract

You, your beneficiary or the Contract Holder will not have a right to share in the earnings of the Company.

2.03

Payments

The Company will make Annuity payments as and when due. The Company will make other payments within 7 days of receipt at its Home Office of a written claim for payment which is in good order, except as provided in 3.14.

2.04

Control of Contract

The Contract is between the Contract Holder and the Company only to satisfy the "purchase" requirements of Section 403(b)(1) of the Internal Revenue Code of 1986. The Contract Holder has no right, title, or interest in the amounts held under the Contract either by reason of remitting Purchase Payments or applying for the Contract.

The Contract Holder shall notify the Company in writing of the applicability of Title I of the Employee Retirement Income Security Act of 1974 as amended by subsequent law including the Retirement Equity Act of 1984 (Act) to the Plan. The Company shall rely on the Contract Holder's determination and representation of applicability.

The Contract is subject to the terms of the Plan, provided that the terms of the Plan do not expand the terms of the Contract and do not impose any responsibilities or duties on the Company greater than those set forth in the Contract.

To the extent provided for in the Treasury Regulations, the Employer and/or its designee is responsible for sharing with the Company information that is necessary for the Company to administer the Contract in accordance with the terms of the Plan, Code and the Treasury Regulations, including information necessary for the Company to satisfy its withholding and information reporting obligations under the Code with respect to the Contract. Except to the extent otherwise agreed between the Company and the Employer and/or its designee, the Company shall share with the Employer and/or its designee information regarding the Contract that the Employer and/or its designee requests for purposes of ensuring adherence to the terms of the Plan.

GTCC-HD(XC)-16

The Company shall rely upon the Employer's representations regarding the contents of the applicable Plan document, except as otherwise agreed to by the Company. The Company shall rely upon instructions of the Employer and/or its designee in permitting contributions to and making distributions from the Contract (including distributions due to loans, annuity payouts, qualified domestic relations orders, hardship withdrawals and systematic distributions options) in accordance with the terms of the Plan.

Subject to the terms of the Plan, tax-free exchanges within the Plan and plan-to-plan transfers involving the Contract, including transfers to a governmental defined benefit plan to purchase permissive service credits within the meaning of Code Section 415(n), may be allowed to the extent permitted by law.

You own all amounts held in your Individual Account. You may make any choices allowed by the Contract for your Individual Account. Choices made under the Contract must be in writing. Until receipt of such choices in the Home Office of the Company, the Company may rely on any previous choices made. The Contract, this Certificate, and your Individual Account shall not be subject to the claims of any creditors. The Contract, this Certificate and your Individual Account are non-assignable and non-transferable within the meaning of Code Section 401(g). The Contract Holder will inform you as to when and where the Contract may be examined.

Your rights under the Contract are nonforfeitable.

2.05

State Laws

This Certificate complies with the laws of the State of New York. Any cash, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from annuity tables used to determine Annuity payments.

2.06

Designation of Beneficiary

Your beneficiary shall be named by you and may be changed at any time. However, (as applicable pursuant to the terms of the Plan), if you are married on the date of your death and the named beneficiary is other than your then existing spouse, the Company shall disregard the named beneficiary if, upon your death:

(1)

You have not reached age 35; or

(2)

You have reached age 35, and the appropriate preretirement survivor benefit waiver and spousal consent form have not been submitted to the Company.

Any existing or future beneficiary designations not in conformance with this provision are null and void.

2.07

Misstatements and Adjustments

If the Company finds the age, or any other relevant facts to be misstated, the correct facts will be used to adjust payments. We reserve the right to obtain reimbursement, or to adjust future payments for any amount we overpaid. We will pay the amount of any underpayment. Any such adjustment will not be credited or charged with interest.

2.08

Incontestability

The Company cannot cancel the Contract or this Certificate because of any error of fact on the application.

2.09

Grace Period

The Contract and this Certificate will remain in effect even if Purchase Payments are not continued.

GTCC-HD(XC)-16

2.10

Plan Administration Subsidy

The Company and/or its affiliates may provide Plan administration services to the Employer. Such services may be offered at no or reduced cost. Also, the Company may subsidize all or a portion of the Employer's Plan administration expenses by paying certain costs associated with the Employer's Plan administration personnel and/or certain costs associated with a third party administrator engaged by the Employer to administer the Plan in accordance with its terms, the Code and the Treasury Regulations. The Company shall have no obligation to agree to Plan administration subsidy requests, and unless otherwise agreed to in advance by the Company and the Employer, the Company may limit or terminate the subsidy with respect to an Employer's Plan at the Company's discretion. Plan administration subsidies will be paid only to the extent requested by the Employer and agreed to by the Company in writing. The Company will determine the availability of a Plan administration subsidy on a basis that is not unfairly discriminatory.

III.

PURCHASE PAYMENT, CURRENT VALUE AND SURRENDER PROVISIONS

3.01

Net Purchase Payment(s)

The actual Purchase Payment less any state premium tax.

The Net Purchase Payment(s) will be credited to:

(a)

the Fixed Account;

(b)

the Fund(s) in which the Separate Account invests.

The Company must be told by you the percentage of the Net Purchase Payment(s) to be applied to each investment above.

During any calendar year, you may tell the Company to change the investment mix twelve times. Should the Company allow additional changes, each may be subject to a fee of up to $10.

3.02

Contribution Limits

Contributions may not exceed the applicable limits under Code Sections 415 and 402(g).

Code Section 415 contains the maximum annual contribution limit for a Participant under a Code Section 403(b) plan and includes employer nonelective contributions (including matching contributions), Code Section 403(b) elective deferrals, and after-tax contributions. Any amounts identified to be in excess of this limit that remain in the Contract shall be separately accounted for by the Company in accordance with Code Section 403(c).

Code Section 403(b) elective deferrals include employee pre-tax contributions and, to the extent permitted by the Plan and the Contract, any employee designated Roth contributions.

Elective deferral contributions made to the Contract and any other plans, contracts or arrangements of the Employer on your behalf may not exceed the limits of Code Section 402(g). If the Company is notified that a contribution to the Contract has exceeded the limits of Code Section 402(g) or any other applicable Code section, the Company will, upon receipt of appropriate instruction, distribute such contribution plus any earnings or interest and less any losses to no later than April 15 of the year following the year of the excess contribution or as otherwise permitted under the Code.

Except in the case of a rollover contribution (as permitted by Code Sections 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3), 457(e)(16)) and 402A(e)(1), or as a result of an intra-plan exchange or plan-to-plan transfer described in the Control of Contract section, contributions to the Contract must be made by the Employer. The Employer may not make contributions after your death, except as permitted under Section 1.403(b)-4(d) of the Treasury Regulations.

To the extent allowed by the Plan, the Contract shall accept contributions that are considered rollover eligible amounts in accordance with Code Section 402(c)(4) from an eligible retirement plan described in Code Section 402(c)(8)(B).

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3.03

Individual Account

The Company will maintain an Individual Account for you.

The Individual Account may include a Participant Roth Account, which will be credited with Net Purchase Payments that represent Participant Roth after-tax salary reduction amounts pursuant to Code Section 402A, if any, and the portion of any transfer or rollover attributable to such amounts.

3.04

Maintenance Fee

The Maintenance Fee (see 5.01) will be deducted from the Current Value on each anniversary of your Individual Account effective date and upon surrender of your entire Individual Account.

We may deduct all or a portion of the Maintenance Fee applicable to the Contract, if any, from the Participant Roth Account.

Any portion of the Maintenance Fee deducted from the Fixed Account will not exceed the interest in excess of the minimum guaranteed interest rate shown on the Specifications page and Net Purchase Payments credited to the Fixed Account during the 12 months prior to the deduction.

3.05

Fund(s) Record Units - Separate Account

The portion of the Net Purchase Payment(s) applied to the Separate Account will determine the number of Fund(s) Record Units. This number is equal to a Net Purchase Payment divided by the Fund(s) Record Unit Value (see 3.06) for the Valuation Period in which the Purchase Payment is received in good order.

3.06

Net Return Factor(s) - Separate Account

The Net Return Factors are used to compute all Separate Account values and payments for any Fund.

The Net Return Factor for each Fund is equal to 1.0000000 plus the Net Return Rate.

The Net Return Rate is equal to:

(a)

The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus

(b)

the value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c)

taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d)

the total value of the Fund Record Units and Fund Annuity Units of the Separate Account (see 3.07 and 4.05) at the start of the Valuation Period; minus

(e)

a daily actuarial charge at an annual rate of 1.25% for annuity mortality and expense risks and profit; and a daily administrative charge which will not exceed .25% on an annual basis.

A Net Return Rate may be more or less than 0.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

The administrative charge may be changed annually except for amounts which have been used to purchase an annuity.

3.07

Fund(s) Record Unit Value - Separate Account

The Fund(s) Record Unit Value is computed by multiplying the Net Return Factor for the current Valuation Period by the Fund(s) Record Unit Value for the previous Period. The dollar value of the Fund(s) Record Unit, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.

GTCC-HD(XC)-16

3.08

Current Value

The Current Value is the value of your Individual Account at the end of a Valuation Period and is equal to:

(a)

Any amounts in the Fixed Account, including Fixed Account interest added by the Company; plus

(b)

The sum of any Separate Account Record Unit value(s); less

(c)

Any Maintenance Fee(s) due.

Current Value does not include amounts used to purchase an Annuity.

3.09

Transfer of Current Value from the Fixed Account

10% of the Current Value held in the Fixed Account may be transferred to any Fund(s). Such transfer will be:

(a)

without charge;

(b)

allowed once per calendar year;

(c)

not allowed under an Annuity Option.

The Company may, on a temporary basis, allow any larger percent to be transferred.

The Current Value of the Fixed Account, as used above, is the value when the request is received at the Home Office of the Company.

3.10

Notice to You

The Company will notify you each year of:

(a)

The value of any amounts held in:

(1)

the Fixed Account; and

(2)

the Fund(s) for the Separate Account; and

(b)

the number of any Fund(s) Record Units; and

(c)

the Fund(s) Record Unit Value(s); and

(d)

the Surrender Value of these amounts.

Such number or values will be as of a date no more than 60 days before the date of the notice.

3.11

Sum Payable at Death (Before Annuity Payments Start)

The Company will pay the Current Value to your beneficiary if:

(a)

You die before Annuity payments start; and

(b)

The notice of your death is received in good order by the Company.

The sum paid will be the Current Value on the date the notice is received at the Company's Home Office. Your beneficiary may choose to apply all or any portion of the payment to an Annuity Option (see Part IV).

If your beneficiary is the surviving spouse, the first Annuity payment or the lump sum payment may be deferred to a date not later than when you would have attained age 70 1/2 or such later date as may be allowed under Federal law or regulations. If the beneficiary is not your surviving spouse, all of the Current Value must either be applied to an Annuity Option within one year of your death or be paid to the beneficiary within 5 years of your death (see Part IV). In no event may payments to any beneficiary under an Annuity Option extend beyond the life of the beneficiary or any period certain greater than the beneficiary's life expectancy. If no beneficiary exists, the payment will be made to your estate.

3.12

Surrender Value

After deduction of the Maintenance Fee (if any), the Company will reduce the amount payable upon surrender of any portion of your Individual Account by a Surrender Fee. The Surrender Fee will be in accordance with the Surrender Fee table in 5.02. The Surrender Fee will not exceed 9% of the Purchase Payments made to your Account.

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3.13

Direct Rollovers

You or, if you are deceased, your surviving spousal beneficiary (or your spouse or former spouse who is an alternate payee under a domestic relations order, as defined in Section 414(p) of the Code) who is entitled to an eligible rollover distribution may elect to have any portion of an eligible rollover distribution (as defined in Section 402(c)(4) of the Code) from the Plan paid directly to an eligible retirement plan (as defined in Section 402(c)(8)(B) of the Code) or paid directly to a Roth individual retirement annuity or a Roth individual retirement account as a qualified rollover contribution (as defined in Section 408A(e) of the Code), as specified by you, the beneficiary or spouse in a direct rollover. A distribution to a beneficiary who at the time of your death was neither your spouse nor your spouse or former spouse who is an alternate payee under a qualified domestic relations order may elect to have any portion of an eligible rollover distribution directly rolled over only to an individual retirement account or individual retirement annuity (IRA) that has been established on behalf of the beneficiary as an inherited IRA (within the meaning of Section 408(d)(3)(C) of the Code), to the extent permitted under the Plan.

3.14

Payment of Surrender Value

Under certain emergency conditions, the Company may defer payment:

(a)

for a period of up to 6 months (unless not allowed by state law); and

(b)

as provided by federal law.

3.15

Reinstatement

All or a portion of the proceeds of a full surrender of the Contract may be reinvested within 30 days after the surrender if allowed by law. Any Maintenance Fee and Surrender Fee charged at the time of surrender on the amount being reinvested will be included in the reinstatement. Amounts will be reinstated among the Fixed Account and Separate Account in the same proportion as they were at the time of surrender. The number of Record Units reinstated will be based on the Record Unit Value(s) next computed after receipt at the Company's Home Office of the reinstatement request and the amount to be reinvested.

Any Maintenance Fee which falls due after the surrender and before the reinstatement will be deducted from the amount reinstated.

Reinstatement is permitted only once.

3.16

Withdrawal Restrictions Under the Code

(a)

In General. Distributions from the Contract shall be made only in accordance with the requirements of Code Section 403(b), the Treasury Regulations, and the Plan. The Company has no responsibility to make any distribution (including distributions due to loans, Annuity payments, qualified domestic relations orders, hardship withdrawals and systematic distributions options) from the Contract until it has received instructions or information from the Employer and/or its designee in a form acceptable to the Company and necessary for the Company to administer the Contract in accordance with Code Section 403(b), the Treasury Regulations, and the Plan, including that the Company may require that the Contract Holder and/or the Participant certify and/or provide satisfactory proof that one of these conditions has been met before a surrender request will be considered to be in good order.

(b)

Restricted Elective Deferrals. Restricted Elective Deferrals means (1) with respect to a Section 403(b) annuity contract, elective deferral contributions made after December 31, 1988, pursuant to a salary reduction agreement, and the earnings on such contributions and on amounts held as of December 31, 1988; and (2) with respect to amounts held under a Section 403(b)(7) custodial account that are contributed to the Contract pursuant to an intra-plan exchange or plan-to-plan transfer described in the Control of Contract section, elective deferral contributions made pursuant to a salary reduction agreement and the earnings on such contributions. Unless otherwise indicated, Restricted Elective Deferrals include employee designated Roth contributions within the meaning of Code Section 402A(c)(1). Withdrawals and other distributions attributable to Restricted Elective Deferrals shall not be paid from the Contract unless the Participant has (1) reached age 59 1/2, (2) had a severance from employment, (3) died, (4) become disabled (within the meaning of Code Section 72(m)(7)), or (5) incurred a hardship (in which case such amounts shall be limited to actual salary deferral contributions, excluding earnings thereon).

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(c)

Employer Annuity Amounts. Employer Annuity Amounts means amounts attributable to contributions made to an annuity contract under Code Section 403(b)(1) (including earnings thereon) that are not elective deferrals. Employer Annuity Amounts do not include after-tax employee contributions or earnings thereon. Withdrawals and other distributions attributable to Employer Annuity Amounts shall not be paid from the Contract earlier than the Participant's severance from employment or upon the prior occurrence of some event, such as after a fixed number of years, the attainment of a stated age, or disability, as provided in the Plan.

(d)

Employer Custodial Amounts. Employer Custodial Amounts means amounts attributable to contributions made to a custodial account under Code Section 403(b)(7) (including earnings thereon) that are not elective deferrals, and which are contributed to the Contract pursuant to an intra-plan exchange or plan-to-plan transfer described in the Control of Contract section. Withdrawals and other distributions attributable to Employer Custodial Amounts that are transferred or exchanged into the Contract shall not be paid from the Contract unless the Participant has (1) reached age 59 1/2, (2) had a severance from employment, (3) died, (4) become disabled (within the meaning of Code Section 72(m)(7)), or (5) incurred a hardship (in which case the portion of the Employer Custodial Amounts available for hardship shall be limited to the Employer Custodial Amount balance held as of December 31, 1988 provided such balance is separately accounted for by the Company.)

(e)

Separate Accounting. If the Contract includes both Restricted Elective Deferrals and other contributions and the Restricted Elective Deferrals are not separately accounted for by the Company, distributions may not be made earlier than the later of (1) any date permitted under paragraph (b) above, and (2) any date permitted under paragraph (c) or paragraph (d) above, whichever is applicable, with respect to contributions that are not Restricted Elective Deferrals.

(f)

Exchanges and Transfers. With respect to amounts exchanged or transferred to the Contract as described in the Control of Contract section, the Contract imposes distribution restrictions that are not less stringent than those imposed under the contract being exchanged or under the transfer or plan, whichever is applicable, in accordance with Section 1.403(b)-10(b)(2) of the Treasury Regulations.

(g)

Exceptions.

(1)

Notwithstanding any other provision in this section, withdrawals and other distributions are permitted to be paid from the Contract to the extent (a) allowed by applicable law, (b) described in the Contribution Limits section, (c) required by a qualified domestic relations order within the meaning of Section 414(p), or (d) the withdrawal is a qualified reservist distribution described in Code Section 72(t)(2)(G).

(2)

If the Employer informs the Company that the Plan has been terminated in accordance with Section 1.403(b)-10(a) of the Treasury Regulations, the Company shall distribute the Contract or the accumulated benefits thereunder in accordance with the requirements of Code Section 403(b) and the Treasury Regulations.

(3)

The withdrawal restrictions described in this section do not apply to amounts attributable to contributions that are eligible rollover distributions as described in Section 1.403(b)-10(d) of the Treasury Regulations and that have been separately accounted for by the Company.

(h)

Surrenders from Participant Roth Accounts - Exclusion from Income

A partial or full surrender from a Participant Roth Account will be excluded from income if it is a qualified distribution, which means:

(1)

the surrender occurs after the 5-taxable year period measured from the earlier of:

(i)

the first taxable year the Participant made a designated Roth Contribution to any designated Roth account established for the Participant under the same applicable retirement plan as defined in Code Section 402A, or

(ii)

if a rollover contribution was made from a designated Roth account previously established for the Participant under another applicable retirement plan, the first taxable year for which the Participant made a designated Roth contribution to such previously established account; and

(2)

the surrender occurs due to a death benefit distribution to a beneficiary, disability as defined by the Code, or after attainment of age 59 1/2.

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3.17

Required Distributions:

Distributions from the Contract must be made in accordance with the required minimum distribution rules of Code Sections 403(b)(10) and 401(a)(9) and may be taken in the form of an Annuity Option or other method permitted by the Contract and the Plan. Distributions from and benefits under the Contract also must satisfy the requirements relating to incidental benefits under Section 1.401-1(b)(1)(ii) of the Treasury Regulations.

If the Participant does not request commencement of benefits as described above, the Company will not be responsible for compliance with the Code 401(a)(9) minimum distribution requirements and for any adverse tax consequences that may result.

3.18

Loans:

If permitted by the Plan, loans may be made under the Contract to the extent provided in the Contract or endorsements thereto, subject to the requirements of the Code, the Company's procedures and limitations in effect at the time the loan is requested or otherwise imposed by the Company.

IV.

ANNUITY PROVISIONS

4.01

Choices to be Made

The Company will pay the Current Value (minus any premium tax) as a premium for an Annuity under Option 4 with no guaranteed period. You may elect any other Annuity Option by telling the Company to pay all or any portion of the Current Value (minus any premium tax) as a premium for an Annuity under Option 2, 3, 4 or 5 (see 4.06). The first Annuity payment must generally be made no later than the first day of the month following your 75th birthday. The Company may be told to make the first Annuity payment during any prior month.

When an Option is chosen, the Company must also be told whether payments are to be made other than monthly and (except for Option 2) to pay:

(a)

a Fixed Annuity using the General Account; or

(b)

a Variable Annuity using any of the Fund(s) made available by the Company for Annuity purposes; or

(c)

a mix of (a) and (b).

If a Fixed Annuity is chosen, the Company will add interest daily at an annual rate no less than 3.5%. The Company may add interest daily at any higher rate.

If a Variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, the Company will use an Assumed Annual Net Return Rate of 3.5%.

4.02

Terms of Annuity Options

(a)

When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

(b)

The present value of the expected payments to the Annuitant when payments start shall be more than 50% of the present value of the total expected payments to be made; this restriction does not apply if Option 5 is chosen and the second Annuitant is the spouse of the Annuitant.

(c)

No choice of any Annuity Option may be made and the Company may pay the Current Value in a lump sum if the Annuity payment would be less than $20 per month or if the total payments in a year would be less than $100 or if the Current Value of your Individual Account is less than $2,000.00. Such lump sum may not be reinstated.

(d)

If a Fixed Annuity under Option 3, 4 or 5 is chosen and a larger payment would result from applying the surrender value to a single premium immediate annuity currently offered by the Company to the same class of Annuitants, the Company will make the larger payment.

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(e)

Age, where used in the following tables, means age on the birthday closest to the date of the first payment.

The annuity rates for Options 4 and 5 are percentages blended of the male and female mortality rates from 1983 Table a, based upon Company experience. The annuity rates do not differ by sex.

(f)

Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity. The Separate Account must earn this rate plus enough to cover the mortality and expense risk and administrative fee charges if future Variable Annuity payments are to remain level.

4.03

Death of Annuitant/Beneficiary

When an Annuitant dies any remaining payments will be continued to the beneficiary. If the beneficiary is not a person or persons, the present value of any remaining payments will be paid in one sum. If no beneficiary exists, the present value of any remaining payments will be paid in one sum to the estate of the Annuitant.

If a beneficiary dies while under Option 1, or while receiving Annuity payments, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary.

The interest rate used to determine the first payment will be used to calculate the present value.

4.04

Fund(s) Annuity Units - Separate Account

The number of Fund(s) Annuity Units is based on the amount of the first Variable Annuity payment which is equal to:

(a)

the portion of the Current Value (minus any premium tax) applied to pay a Variable Annuity; divided by

(b)

1,000; times

(c)

the payment rate for the Option chosen.

Such amount, or portion, of the variable payment will be divided by the Fund(s) Annuity Unit Value (see 4.05) on the tenth Valuation Period before the due date of the first payment to determine the number of Fund(s) Annuity Units. The number of Fund(s) Annuity Units remains fixed. Each future payment is equal to this number times the Fund(s) Annuity Unit Value on the tenth Valuation Period prior to the due date of the payment.

4.05

Fund(s) Annuity Unit Value - Separate Account

For any Valuation Period, the Fund(s) Annuity Unit Value is equal to:

(a)

the Value for the previous Period; times

(b)

the Net Return Factor(s) (see 3.06) for the Period; times

(c)

a factor to reflect the Assumed Annual Net Return Rate.

The factor for 3.5% per year is .9999058; for 5% per year it is ..9998663.

The dollar value of the Fund(s) Annuity Unit Values and payments may go up or down due to investment gain or loss.

If Variable Annuity payments are not to decrease, the Company must earn a gross return on the assets of the Separate Account of:

4.75% on an annual basis, plus an annual return of up to .25% needed to offset the administrative charge set at the time Annuity payments commenced, if an Assumed Annual Net Return Rate of 3.5% is chosen; or,

6.25% on an annual basis, plus an annual return of up to .25% needed to offset the administrative charge set at the time Annuity payments commence, if an Assumed Annual Net Return Rate of 5% is chosen.

Payments shall not be changed due to changes in the mortality or expense results or administrative charges.

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4.06

Annuity Options

Option 1 - Payment of Interest on Sum Left with the Company - This Option may be used only by your beneficiary if you die before the Company has started paying an Annuity. A portion or all of the sum paid upon your death may be held under this Option and will be held in the General Account of the Company at interest (see 4.01). Your beneficiary may later tell the Company to:

(a)

pay a portion, or all, of the sum held by the Company; or

(b)

apply a portion, or all, of the sum held by the Company to any Annuity Option below.

Option 2 - Payments of a Stated Dollar Amount - This Option may only be elected as a Fixed Annuity. An Annuity of a chosen amount will be paid until no funds are left. The payments to be made in a year must be greater than $65 for each $1,000 applied to this Option, but cannot exceed an amount which would deplete the funds in less than 3 years. During any year, the Company reserves the right to make as a minimum payment an amount equal to 105% of the interest for that year.

Option 3 - Payments for a Stated Period of Time - An Annuity will be paid for the number of years chosen.

The number of years must be at least 3 and not more than 30.

If payments for this Option are made under a Variable Annuity, the present value of any remaining payments may be withdrawn at any time. If a withdrawal is requested within 3 years after the start of payments, it will be treated as a surrender (see 3.12).

Option 4 - Life Income - An Annuity will be paid for the life of the Annuitant. If also chosen, the Company will guarantee payments for 60, 120, 180, or 240 months.

Option 5 - Life Income for Two Payees - An Annuity will be paid during the lives of the Annuitant and a second Annuitant. At the death of either, payments will continue to the survivor. When this Option is chosen, a choice must be made of:

(a)

100% of the payment to continue to the survivor;

(b)

66 2/3% of the payment to continue to the survivor;

(c)

50% of the payment to continue to the survivor; or

(d)

Payments for a minimum of 120 months, with 100% of the payment to continue to the survivor.

Other Options - The Company may make other options available as allowed by the laws of the state in which the Contract is delivered.

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OPTION 3

PAYMENTS FOR A STATED PERIOD OF TIME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Years of

Payments

Amount of

Payments

Years of

Payments

Amount of

Payments

Years of

Payments

Amount of

Payments

$29.19

22.27

18.12

15.35

13.38

11.90

10.75

9.83

9.09

8.46

$7.94

7.49

7.10

6.76

6.47

6.20

5.97

5.75

5.56

$5.39

5.24

5.09

4.96

4.84

4.73

4.63

4.53

4.45

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Years of

Payments

Amount of

Payments

Years of

Payments

Amount of

Payments

Years of

Payments

Amount of

Payments

$29.80

22.89

18.74

15.99

14.02

12.56

11.42

10.51

9.77

9.16

$8.64

8.20

7.82

7.49

7.20

6.94

6.71

6.51

6.33

$6.17

6.02

5.88

5.76

5.65

5.54

5.45

5.36

5.28

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OPTION 4

LIFE INCOME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

Age of

Annuitant

None

120

180

240

$4.34

4.41

4.48

4.56

4.64

4.72

4.81

4.91

5.01

5.12

5.23

5.36

5.49

5.63

5.78

5.94

6.11

6.29

6.49

6.70

6.92

7.17

7.43

7.71

8.02

8.35

$4.34

4.40

4.47

4.55

4.63

4.71

4.80

4.89

4.99

5.10

5.21

5.33

5.45

5.59

5.73

5.89

6.05

6.22

6.41

6.60

6.81

7.04

7.27

7.53

7.80

8.08

$4.31

4.38

4.45

4.52

4.59

4.67

4.75

4.84

4.93

5.03

5.13

5.24

5.35

5.47

5.60

5.73

5.87

6.02

6.17

6.33

6.49

6.66

6.84

7.02

7.20

7.38

$4.27

4.33

4.40

4.46

4.53

4.60

4.67

4.75

4.83

4.92

5.00

5.09

5.19

5.28

5.38

5.48

5.58

5.69

5.79

5.90

6.00

6.10

6.20

6.30

6.39

6.48

$4.22

4.27

4.32

4.38

4.44

4.50

4.56

4.62

4.69

4.75

4.82

4.88

4.95

5.02

5.08

5.15

5.21

5.27

5.33

5.38

5.43

5.48

5.52

5.55

5.59

5.62

Rate for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

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OPTION 4

LIFE INCOME

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

Age of

Annuitant

None

120

180

240

$5.26

5.33

5.40

5.47

5.54

5.63

5.71

5.80

5.90

6.01

6.12

6.24

6.37

6.51

6.66

6.82

6.99

7.17

7.36

7.57

7.80

8.05

8.31

8.59

8.90

9.23

$5.25

5.32

5.38

5.45

5.53

5.61

5.69

5.78

5.88

5.98

6.09

6.21

6.33

6.46

6.60

6.75

6.91

7.08

7.27

7.46

7.67

7.89

8.13

8.38

8.64

8.93

$5.22

5.28

5.34

5.41

5.48

5.56

5.63

5.72

5.81

5.90

6.00

6.10

6.21

6.33

6.45

6.57

6.71

6.85

6.99

7.15

7.30

7.47

7.64

7.81

7.99

8.16

$5.17

5.23

5.29

5.35

5.41

5.47

5.54

5.61

5.69

5.77

5.85

5.93

6.02

6.11

6.20

6.30

6.39

6.49

6.59

6.69

6.78

6.88

6.97

7.06

7.15

7.23

$5.11

5.15

5.20

5.26

5.31

5.36

5.42

5.47

5.53

5.59

5.65

5.71

5.77

5.83

5.89

5.95

6.01

6.06

6.12

6.17

6.21

6.25

6.29

6.33

6.36

6.38

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

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OPTION 5

LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY

100% TO THE SURVIVOR

NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of

Annuitant

$3.69

3.75

3.81

3.84

3.87

3.90

3.91

3.92

$3.75

3.89

3.97

4.04

4.09

4.13

4.15

4.17

4.18

$3.81

3.97

4.16

4.27

4.35

4.42

4.47

4.50

4.51

$3.84

4.04

4.27

4.51

4.66

4.78

4.86

4.92

4.95

$3.87

4.09

4.35

4.66

4.99

5.19

5.35

5.46

5.53

$3.90

4.13

4.42

4.78

5.19

5.67

5.95

6.17

6.31

$3.91

4.15

4.47

4.86

5.35

5.95

6.64

7.04

7.34

$3.92

4.17

4.50

4.92

5.46

6.17

7.04

8.04

8.63

$3.92

4.18

4.51

4.95

5.53

6.31

7.34

8.63

10.05

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of

Annuitant

$4.63

4.68

4.73

4.77

4.80

4.82

4.84

4.85

4.86

$4.68

4.80

4.88

4.95

5.00

5.04

5.06

5.08

5.10

$4.73

4.88

5.04

5.15

5.24

5.30

5.35

5.39

5.41

$4.77

4.95

5.15

5.37

5.52

5.63

5.72

5.79

5.83

$4.80

5.00

5.24

5.52

5.83

6.04

6.20

6.31

6.39

$4.82

5.04

5.30

5.63

6.04

6.49

6.77

6.99

7.15

$4.84

5.06

5.35

5.72

6.20

6.77

7.45

7.86

8.16

$4.85

5.08

5.39

5.79

6.31

6.99

7.86

8.84

9.43

$4.86

5.10

5.41

5.83

6.39

7.15

8.16

9.43

10.86

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HD(XC)-16

OPTION 5

LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY

66 2/3% TO THE SURVIVOR

NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of

Annuitant

$3.94

4.05

4.18

4.32

4.48

4.66

4.84

5.02

5.19

$4.05

4.20

4.35

4.51

4.69

4.89

5.09

5.30

5.49

$4.18

4.35

4.54

4.73

4.95

5.18

5.42

5.65

5.87

$4.32

4.51

4.73

4.99

5.25

5.53

5.82

6.11

6.37

$4.48

4.69

4.95

5.25

5.61

5.97

6.33

6.69

7.02

$4.66

4.89

5.18

5.53

5.97

6.49

6.96

7.43

7.88

$4.84

5.09

5.42

5.82

6.33

6.96

7.73

8.39

9.02

$5.02

5.30

5.65

6.11

6.69

7.43

8.39

9.54

10.46

$5.19

5.49

5.87

6.37

7.02

7.88

9.02

10.46

12.15

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of

Annuitant

$4.87

4.99

5.12

5.27

5.44

5.64

5.86

6.09

6.30

$4.99

5.12

5.26

5.43

5.63

5.85

6.09

6.33

6.57

$5.12

5.26

5.44

5.63

5.85

6.11

6.38

6.65

6.92

$5.27

5.43

5.63

5.87

6.14

6.44

6.75

7.07

7.38

$5.44

5.63

5.85

6.14

6.49

6.84

7.23

7.62

8.00

$5.64

5.85

6.11

6.44

6.84

7.35

7.84

8.34

8.83

$5.86

6.09

6.38

6.75

7.23

7.84

8.60

9.28

9.93

$6.09

6.33

6.65

7.07

7.62

8.34

9.28

10.42

11.35

$6.30

6.57

6.92

7.38

8.00

8.83

9.93

11.35

13.04

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HD(XC)-16

OPTION 5

LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY

50% TO THE SURVIVOR

NO MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of

Annuitant

$4.07

4.22

4.40

4.61

4.87

5.17

5.49

5.84

6.18

$4.22

4.37

4.56

4.79

5.06

5.39

5.75

6.13

6.51

$4.40

4.56

4.76

5.00

5.31

5.66

6.06

6.49

6.91

$4.61

4.79

5.00

5.27

5.61

6.01

6.46

6.95

7.43

$4.87

5.06

5.31

5.61

5.99

6.44

6.96

7.54

8.11

$5.17

5.39

5.66

6.01

6.44

6.99

7.61

8.29

9.00

$5.49

5.75

6.06

6.46

6.96

7.61

8.43

9.29

10.17

$5.84

6.13

6.49

6.95

7.54

8.29

9.29

10.54

11.71

$6.18

6.51

6.91

7.43

8.11

9.00

10.17

11.71

13.57

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of

Annuitant

$5.01

5.15

5.33

5.56

5.83

6.17

6.55

6.98

7.40

$5.15

5.29

5.48

5.71

6.01

6.36

6.78

7.23

7.68

$5.33

5.48

5.66

5.91

6.23

6.61

7.05

7.54

8.05

$5.56

5.71

5.91

6.16

6.51

6.93

7.42

7.96

8.53

$5.83

6.01

6.23

6.51

6.87

7.34

7.89

8.51

9.16

$6.17

6.36

6.61

6.93

7.34

7.87

8.51

9.23

10.00

$6.55

6.78

7.05

7.42

7.89

8.51

9.33

10.20

11.14

$6.98

7.23

7.54

7.96

8.51

9.23

10.20

11.44

12.64

$7.40

7.68

8.05

8.53

9.16

10.00

11.14

12.64

14.51

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HD(XC)-16

OPTION 5

LIFE INCOME FOR TWO PAYEES

JOINT AND LAST SURVIVOR ANNUITY

100% TO THE SURVIVOR

120 MONTHS MINIMUM PERIOD

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000

AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%; and

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of

Annuitant

$3.69

3.75

3.80

3.84

3.87

3.89

3.91

3.92

$3.75

3.89

3.97

4.04

4.09

4.13

4.15

4.16

4.17

$3.80

3.97

4.15

4.26

4.35

4.41

4.46

4.48

4.49

$3.84

4.04

4.26

4.50

4.65

4.76

4.84

4.89

4.91

$3.87

4.09

4.35

4.65

4.98

5.17

5.31

5.41

5.46

$3.89

4.13

4.41

4.76

5.17

5.62

5.87

6.05

6.15

$3.91

4.15

4.46

4.84

5.31

5.87

6.48

6.79

6.98

$3.91

4.16

4.48

4.89

5.41

6.05

6.79

7.50

7.83

$3.92

4.17

4.49

4.91

5.46

6.15

6.98

7.83

8.50

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of

Annuitant

$4.63

4.68

4.73

4.77

4.80

4.82

4.84

4.85

$4.68

8.80

4.88

4.94

4.99

5.03

5.06

5.07

5.08

$4.73

4.88

5.04

5.14

5.23

5.29

5.34

5.37

5.38

$4.77

4.94

5.14

5.37

5.51

5.62

5.70

5.75

5.78

$4.80

4.99

5.23

5.51

5.82

6.00

6.15

6.24

6.30

$4.82

5.03

5.29

5.62

6.00

6.44

6.68

6.86

6.96

$4.84

5.06

5.34

5.70

6.15

6.68

7.27

7.57

7.76

$4.85

5.07

5.37

5.75

6.24

6.86

7.57

8.26

8.58

$4.85

5.08

5.38

5.78

6.30

6.96

7.76

8.58

9.23

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HD(XC)-16

V. FEE SCHEDULE

TAX DEFERRED ANNUITY PLAN

5.01

Maintenance Fee

The Maintenance Fee will be $[20].

5.02

Surrender Fee

During the Accumulation Phase, we may deduct a Surrender Fee from the Individual Account value withdrawn. The charge, if any, is a percentage of the amount withdrawn from the Funds and/or the Fixed Account. For each surrender from your Individual Account, the Surrender Fee will vary according to the period of time between the effective date of the Individual Account and the date of surrender as follows:

If the Period of Time Is

Surrender Fee

Less than 5 years

5 years or more but less than 7 years

7 years or more but less than 9 years

9 years or more but less than 10 years

After 10 years from the effective date of your Individual Account, the Surrender Fee shall reduce to 0%.

No Surrender Fee is deducted from any portion of your Individual Account which is paid:

(1)

At your death before Annuity payments start; or

(2)

As a premium for an Annuity under the Contract; or

(3)

After you have reached age 59 1/2 and 9 or more years have elapsed since the Individual Account was established.

Any Surrender Fee that is applicable to a surrender will apply in the same manner to a surrender of amounts attributable to the same type of payment made to a Participant Roth Account.

5.03

Lump-Sum Purchase Payment(s)

In addition to any Purchase Payments stated to be made to the Contract, a lump-sum Purchase Payment(s), of not less than a minimum amount stated by the Company, may be made on behalf of one or more Participants, as appropriate. The Company will maintain an Individual Account for each lump-sum payment. The terms of the Contract shall apply to any lump-sum payment except that:

A Maintenance Fee will not be deducted from an Individual Account maintained pursuant to a lump-sum payment; and

For each surrender from an Individual Account maintained pursuant to a lump-sum payment, the Surrender Fee will vary according to the period of time between the effective date of the Individual Account and the date of surrender as follows:

If the Period of Time is

Surrender Fee

5 years or less

More than 5 years but not more than 6 years

More than 6 years but not more than 7 years

More than 7 years but not more than 8 years

More than 8 years but not more than 9 years

More than 9 years

GTCC-HD(XC)-16

This page is intentionally left blank.

VOYA

Voya Retirement Insurance and Annuity Company

Home Office: [One Orange Way

Windsor, CT 06095-4774]

[PO Box 990065

Hartford, CT 06199-0065]

[1-800-525-4225]

CERTIFICATE OF GROUP ANNUITY COVERAGE

ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.

GTCC-HD(XC)-16

EX-16 5 ex16a4l1ccda15nymmi.htm EXHIBIT 16(A)(4)(L1) GTCC-HH(XC/M)-15 CONTRACT CERTIFICATE ex16a4l1ccda15nymmi.htm - Generated by SEC Publisher for SEC Filing

VOYA

Exhibit 16(a)(4)(l1)

Voya Retirement Insurance and Annuity Company

[One Orange Way

Windsor, Connecticut 06095-4774]

[800-525-4225]

If you have questions, call the toll-free number shown above.

Certificate of Group Annuity Coverage

Voya Retirement Insurance and Annuity Company (VRIAC) will pay benefits according to the terms and conditions set forth in the Contract. The Company certifies that coverage is in force for you under the stated Group Annuity Contract and Certificate numbers.

Specifications

Contract Holder

[PLAN NAME]

Group Annuity Contract Number

[CONTRACT NUMBER]

Type of Plan

[PLAN TYPE]

Participant

[PARTICIPANT NAME]

Certificate Number

[CERTIFICATE NUMBER]

Right to Cancel

You may cancel your participation in the group Contract within 10 calendar days of receiving this Certificate by returning it to the Company at the address shown above, or to the agent from whom it was purchased. Within seven calendar days of receiving the cancellation request at its Home Office, the Company will return any Contributions received, plus any increase, or minus any decrease in value, on the amount, if any, allocated to the Separate Account.

/s/Charles P. Nelson	/s/Jennifer M. Ogren
President	Secretary

THE VARIABLE FEATURES OF THE CONTRACT ARE DESCRIBED IN SECTIONS 3 AND 10.

All payments and values provided by the group Contract, when based on the investment experience of the Separate Account, are variable and are not guaranteed as to fixed dollar amount. Amounts allocated to the Guaranteed Accumulation Account, if withdrawn before a guaranteed term maturity date, may be subject to a market value adjustment. The market value adjustment may result in an increase, or a decrease, in the Individual Account value.

C-CDA-15(NY-MMI)

Table of Contents

Page

Contract Schedule I. Accumulation Phase

S I - 1

Contract Schedule II. Annuity Phase

S II - 1

Definitions

Section 1. General Contract Provisions		3
1.01	Entire Contract ...............................................................................................................................	3
1.02	Nonparticipating Contract ...............................................................................................................	3
1.03	Control of Contract .........................................................................................................................	3
1.04	Certificate .......................................................................................................................................	3
1.05	Incontestability ................................................................................................................................	3
1.06	Grace Period ...................................................................................................................................	3
1.07	Change of Contract .........................................................................................................................	3
1.08	Payments ........................................................................................................................................	4
1.09	Deferral of Payment .........................................................................................................................	4
1.10	Proof of Age .....................................................................................................................................	4
1.11	Evidence of Survival ........................................................................................................................	4
1.12	Misstatements and Adjustments ......................................................................................................	4
1.13	Reports ............................................................................................................................................	4
1.14	State Laws .......................................................................................................................................	5
1.15	Claims of Creditors ..........................................................................................................................	5
1.16	Maintenance Fee ..............................................................................................................................	5
1.17	Charges for Additional Services ......................................................................................................	5
1.18	Charges Subject to Change .............................................................................................................	5

Part I. Accumulation Phase

Section 2. Contributions and Individual Account Value		5
2.01	Contributions ....................................................................................................................................	5
2.02	Premium Tax ....................................................................................................................................	6
2.03	Individual Account ............................................................................................................................	6
2.04	Experience Credit .............................................................................................................................	6
2.05	Individual Account Value ..................................................................................................................	6

Section 3. Separate Account		6
3.01	General ............................................................................................................................................	6
3.02	Funds Available ................................................................................................................................	6
3.03	Change or Substitution of Funds ......................................................................................................	7
3.04	Accumulation Units ..........................................................................................................................	7
3.05	Accumulation Unit Value .................................................................................................................	7
3.06	Net Investment Factor ......................................................................................................................	7
3.07	Charges to the Separate Account ....................................................................................................	7
3.08	Fund Transfers .................................................................................................................................	8
3.09	Withdrawals from the Separate Account ..........................................................................................	8

Section 4. Voya GET Fund		8
4.01	GET Fund Guarantee Period ............................................................................................................	8
4.02	GET Fund Offering Period ...............................................................................................................	8
4.03	GET Fund Guarantee .......................................................................................................................	8
4.04	GET Fund Maturity Date .................................................................................................................	9
4.05	Transfers or Withdrawals from the GET Fund ..................................................................................	9

C-CDA-15(NY-MMI)

Page

Section 5. Fixed Account		9
5.01	Fixed Account Minimum Guaranteed Interest Rate ...........................................................................	9
5.02	Transfers from the Fixed Account ....................................................................................................	9
5.03	Withdrawals from the Fixed Account ................................................................................................	9

Section 6. Guaranteed Accumulation Account (GAA)		10
6.01	Nonunitized Separate Account .........................................................................................................	10
6.02	GAA Minimum Guaranteed Interest Rate .........................................................................................	10
6.03	Deposit Period ................................................................................................................................	10
6.04	Guaranteed Term .............................................................................................................................	10
6.05	Guaranteed Term Groups ................................................................................................................	10
6.06	Maturity Date, Maturity Value and Reinvestment ..............................................................................	10
6.07	Transfers and Withdrawals from the GAA .......................................................................................	11
6.08	Application of the Market Value Adjustment .....................................................................................	11
6.09	Market Value Adjustment (MVA) ......................................................................................................	12

Section 7. Transfers, Withdrawals and Distributions		12
7.01	Transfers ..........................................................................................................................................	12
7.02	Withdrawals ......................................................................................................................................	13
7.03	Withdrawal Restrictions Under the Code ..........................................................................................	13
7.04	Withdrawal Charge ...........................................................................................................................	13
7.05	Waiver of Withdrawal Charge ...........................................................................................................	13
7.06	Reinstatement ..................................................................................................................................	13
7.07	Required Distributions .....................................................................................................................	14
7.08	Systematic Distribution Options (SDO) .............................................................................................	14
7.09	Systematic Withdrawal Option (SWO) .............................................................................................	14
7.10	Estate Conservation Option (ECO) ..................................................................................................	15
7.11	Life Expectancy Option (LEO) ..........................................................................................................	15
7.12	Individual Account Termination ........................................................................................................	16

Section 8. Loans		16
8.01	Loan Availability ...............................................................................................................................	16

Section 9. Death Benefit During the Accumulation Phase		16
9.01	Death Benefit ...................................................................................................................................	16
9.02	Contract Beneficiary .........................................................................................................................	16
9.03	Distribution of Death Benefit ............................................................................................................	16

Part II. Annuity Phase

Section 10. General Provisions		17
10.01	Election ............................................................................................................................................	17
10.02	Change of Annuity Provisions ..........................................................................................................	17
10.03	Annuity Options ...............................................................................................................................	17
10.04	Mortality Table .................................................................................................................................	18
10.05	Payments ........................................................................................................................................	18
10.06	Investment Options ..........................................................................................................................	18
10.07	Fixed Annuity Minimum Guaranteed Interest Rate ..........................................................................	19
10.08	Variable Annuity Assumed Annual Net Return Rate Election ............................................................	19
10.09	Variable Annuity Transfers ..............................................................................................................	19
10.10	Fund Annuity Units ...........................................................................................................................	19
10.11	Fund Annuity Unit Value ...................................................................................................................	19
10.12	Fund Annuity Net Return Factor .......................................................................................................	20
10.13	Death Benefit During the Annuity Phase ..........................................................................................	20
10.14	Charges to the Separate Account ....................................................................................................	20

Annuity Tables

C-CDA-15(NY-MMI)

Contract Schedule I

Accumulation Phase

Control of Contract (see 1.03)

[The Contract Holder controls the Contract.

By notifying us in writing, the Contract Holder may allow you to choose Investment Options for an Individual Account. The Contract Holder may, however, retain the right to choose Investment Options for employer Contributions. Unless otherwise provided by the Plan, we will make payments only at the written direction of the Contract Holder and you. Unless otherwise specified by the Plan, we will make an in-service transfer under Internal Revenue Service Revenue Ruling 90-24 only at the written direction of the Contract Holder and you and will make checks payable to the acquiring investment provider(s).

The Contract and Individual Accounts are nontransferable and nonassignable except to us in the event of a loan (if allowed under the Contract) or in the event of a qualified domestic relations order as allowed under the Retirement Equity Act of 1984 (REA).

You have a nonforfeitable right to the value of employer Contributions made to your Individual Accounts subject to any Plan vesting limits as determined by the Contract Holder. You have a nonforfeitable right to the value of employee Contributions made to your Individual Accounts as provided by Code Section 403(b) and subject to the terms of the Plan.

The Contract Holder must notify us in writing if the Plan is, or becomes, subject to the Employee Retirement Income Security Act of 1974 (ERISA) and/or related law or regulations including REA. We will rely on the Contract Holder's determination and representation of the applicability of such laws. If the Plan is subject to ERISA, before we will make a distribution from an Individual Account, the Contract Holder must certify in writing that all applicable REA requirements have been met and that the distribution complies with the Plan.]

Maintenance Fee (see 1.16)

The maintenance fee for each Individual Account is [$X.XX] as of the Effective Date of the Contract and is subject to change (see 1.18). The fee will never exceed [$30.00].

Contribution Limits (see 2.01)

[Each year, Contributions to the Contract are limited to the lesser of:

(a)

The maximum exclusion allowance (MEA) limit under Code Section 403(b); or

(b)

The amount set forth in Code Section 415, generally, 25% of compensation up to $30,000.

In addition, salary reduction Contributions as defined in Code Section 402(g) may not exceed $10,000, or such larger amount as adjusted by the Secretary of the Treasury, unless the alternative limitation under Code Section 402(g)(8) applies.]

Separate Account (see 3.01)

Variable Annuity Account [C]

Daily Charges to the Separate Account (see 3.07)

Charges to the Separate Account are subject to change (see 1.18). The charges as of the Effective Date of the Contract are as follows:

Mortality and Expense Risk Charge: [X.XX%] (annual basis)

This charge will never exceed [1.50%] (annual basis).

Administrative Charge: [X.XX%] (annual basis)

This charge will never exceed [0.25%] (annual basis).

Voya GET Fund Guarantee Charge: If applicable, the charge will be provided to the Contract Holder and will never exceed 0.75% (annual basis).

C-CDA-15(NY-MMI)

S I - 1

Fixed Interest Options Available (see Section 5, and Section 6)

[Fixed Account

Guaranteed Accumulation Account]

Fixed Account Minimum Guaranteed Interest Rate (see 5.01)

The interest rate will never be less than 3% (annual basis).

Fixed Account Annual Transfer Limit (see 5.02)

[10%]

Guaranteed Accumulation Account Minimum Guaranteed Interest Rate (see 6.02)

The interest rate will never be less than 3% (annual basis).

Withdrawal Restrictions Under the Code (see 7.03)

[Limitations apply to partial and full withdrawals of the "restricted amount" from the Contract as required by Code Section 403(b)(11). The restricted amount is the sum of:

(1)

Contributions attributable to your salary reduction Contributions made on and after January 1, 1989; plus

(2)

The net increase, if any, in the Individual Account value after December 31, 1988 attributable to investment gains and losses and credited interest.

The restricted amount may be partially or fully withdrawn only if one or more of the following conditions are met. You have:

(a)

Separated from service when certified by your employer;

(b)

Attained age 59 1/2;

(c)

Died;

(d)

Become disabled, as defined by the Code;

(e)

Experienced financial hardship as defined by the Code. The amount available for financial hardship is limited to the lesser of the amount necessary to satisfy the need or the Contributions attributable to Participant salary reduction Contributions made on or after January 1, 1989; or

(f)

Met other circumstances as otherwise allowed by federal law, regulations or rulings.

No limitations apply to salary reduction Contributions made and earnings credited to such Contributions made on or before December 31, 1988.

In addition, any portion of an Individual Account representing amounts transferred under Internal Revenue Service Revenue Ruling 90-24 from a Code Section 403(b)(7) custodial account will be subject to the restrictions set forth in Code Section 403(b)(7)(A)(ii).]

Withdrawal Charge (see 7.04)

[For each withdrawal from an Individual Account, we may deduct a withdrawal charge. This charge is a percentage of the amount withdrawn, determined as follows:

[Number of Years Since Individual Account Established]

Withdrawal Charge

[Fewer than 3

3 or more, but fewer than 4

4 or more, but fewer than 5

5 or more, but fewer than 6

6 or more but fewer than 7

7 or more

0%]

The withdrawal charge will never exceed 8.5% of total Contributions, or the maximum permitted by National Association of Securities Dealers, Inc. (NASD) rules.]

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S I - 2

Waiver of Withdrawal Charge (see 7.05)

[The withdrawal charge does not apply when the withdrawal is:

(a)

Used to purchase Annuity payments;

(b)

Used to purchase a single premium immediate Annuity or individual retirement Annuity issued by the Company or one of its affiliates, provided that the right to cancel under the new Contract is not exercised. We will treat exercise of the right to cancel as a reinstatement and any subsequent withdrawal may then be subject to the withdrawal charge applicable on the date of the withdrawal;

(c)

Under a systematic distribution option (see 7.08);

(d)

In an amount equal to or less than [10%] of the Individual Account value when the withdrawal is the first withdrawal in a calendar year and you have attained age 59 1/2 and are less than age 70 1/2 (not available when a systematic distribution option is in effect). Any outstanding loans are not included in the Individual Account value when determining the [10%] amount. This waiver does not apply to full withdrawals or to a withdrawal due to a loan default;

(e)

When we terminate an Individual Account as provided in 7.12;

(f)

When the Individual Account value is [$3,500] or less (or, if applicable, as otherwise allowed by the Plan for lump-sum cash-out without your consent) and during the previous [12 months] no amounts have been withdrawn, transferred, taken as a loan (if allowed under the Contract), or used to purchase Annuity payments;

(g)

Due to the transfer of the Individual Account value to another contract issued by the Company for the Plan, subject to various conditions agreed to by the Contract Holder and the Company;

(h)

Due to your death before Annuity payments begin;

(i)

To you when you have separated from service when certified by your employer;

(j)

Due to financial hardship as defined in the Code; or

(k)

For a transfer as provided under Internal Revenue Service Ruling 90-24 to a Company Code Section 403(b)(7) custodial account.]

Required Distributions (see 7.07)

[Generally, for Contributions made and earnings credited after December 31, 1986, distribution must begin by April 1 of the calendar year following the later of the calendar year in which you (1) attain age 70 1/2, or (2) retire. For Individual Account values as of December 31, 1986, distribution must begin by the last day of the year in which you attain age 75 or retire, whichever is later.]

The entire Individual Account value must be distributed, or begin to be distributed, over your life or life expectancy of you, or the joint life expectancies of you and a beneficiary.

Individual Account Termination Amount (see 7.12)

[$1,999]

Loans (see 8.01)

[Loans are available under the Contract.]

Contract Beneficiary (see 9.02)

[The Contract Holder is the Contract beneficiary. You may designate a beneficiary under the Plan (Plan beneficiary).]

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S I - 3

Investment Options selected by Participant at enrollment

[List of investment options initially selected by Participant at enrollment.]

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S I - 4

Contract Schedule II

Annuity Phase

Payment Period (see 10.03)

The period for which we will guarantee Annuity payments must be at least five years and no more than 30 years.

Mortality Table (see 10.04)

Society of Actuaries' 1983 Table a

Maximum Number of Funds (see 10.06)

The maximum number of Funds is [four].

Fixed Annuity Minimum Guaranteed Interest Rate (see 10.07)

3% (annual basis)

Number of Annual Transfers Among Funds (see 10.09)

Each calendar year, we allow [five] transfers among funds.

Daily Charges to the Separate Account (see 10.14)

Charges to the Separate Account will never be more than the following:

Mortality and Expense Risk Charge: [1.25%] (annual basis)

Administrative Charge: [0.25%] (annual basis)

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S II - 1

Definitions

Accumulation Phase

The time between an Individual Account Effective Date and the date on which the entire Individual Account value is used to purchase Annuity payments, or otherwise distributed.

Voya GET Fund (GET Fund)

The Voya GET Fund is an Investment Option which may be available during the Accumulation Phase. The GET Fund operates as a series offering. Each series is a separate Fund.

Voya Retirement Insurance and Annuity Company (VRIAC)

Voya Retirement Insurance and Annuity Company ("we," and "our," and "us," and "the Company" refer to VRIAC).

Annuitant

The person whose life expectancy determines the amount and/or duration of the payments under a life-contingent Annuity option.

Annuity

Payment of an income:

(a)

For a stated period;

(b)

For the life of one or two people; or

(c)

Some combination of (a) and (b).

A fixed Annuity is one in which the payment amount does not vary. A variable Annuity is one in which the payment amount may vary based on the net investment results of the Funds.

Annuity Phase

The time during which we make Annuity payments.

Business Day

Each day our Home Office is open for business.

Code

The Internal Revenue Code of 1986, as it is amended from time to time.

Contract

The agreement between the Company and the Contract Holder.

Contract Holder

The entity, or person, named in the specifications section on the face page, to which the Contract is issued.

Contribution

The payment made to us during the Accumulation Phase. The Contribution may be reduced by any applicable premium tax due.

Effective Date

The date on which we issue the Contract or establish an Individual Account.

Fixed Account

A Fixed Interest Option. The Fixed Account is an obligation of our General Account.

Fixed Interest Options

Investment options, including the Fixed Account and the Guaranteed Accumulation Account that credit interest. The Fixed Interest Options available during the Accumulation Phase are shown on Contract Schedule I under Fixed Interest Options Available.

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Fund

A variable Investment Option available under the Contract. The Funds are open-end registered investment management companies (mutual funds) in which the Separate Account invests.

General Account

The account that holds our assets other than those held in the Separate Account or Nonunitized Separate Account.

Guaranteed Accumulation Account (GAA)

A Fixed Interest Option that may be available during the Accumulation Phase. Under this option, we guarantee specified rates of interest for specified periods of time. Amounts allocated to the Guaranteed Accumulation Account are held in the Nonunitized Separate Account.

Good Order

Instructions that are complete and clear enough to allow us to act without exercising discretion.

Home Office

Our main office located at [One Orange Way, Windsor, Connecticut 06095-4774].

Individual Account

An account, or accounts (including, if applicable, employer and employee accounts) established for you to maintain a record of transactions and the value of Contributions as invested.

Investment Options

The Funds and Fixed Interest Options available under the Contract.

Maturity Date

The last day of a GAA guaranteed term or the last day of the guarantee period of an Voya GET Fund series.

Nonunitized Separate Account

A separate account that holds assets allocated to the Guaranteed Accumulation Account.

Participant

The person who is covered under the retirement Plan or program for which the Contract is issued and who has an interest in the Contract ("you" and "your" refer to the Participant). The name of the Participant is shown in the specification section on the face page of this Certificate.

Plan

The retirement plan or program for which the Contract is issued.

Premium Tax

Any tax assessed by any governmental entity on Contributions or amounts used to purchase Annuity payments.

Separate Account

An account that buys and holds shares of the Funds through its subaccounts.

Valuation Date

The date and time at which accumulation unit values and Annuity unit values are calculated. Currently, this calculation is made after the close of business of the New York Stock Exchange on any normal business day, Monday through Friday, that the New York Stock Exchange is open.

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Section 1. General Contract Provisions

1.01

Entire Contract

The entire Contract consists of the Contract, any attachments and any endorsements incorporated.

The Plan, if applicable, is not part of the Contract and the Company is not bound by its terms.

1.02

Nonparticipating Contract

The Contract is nonparticipating. The Contract Holder, you, or a Contract beneficiary have no right to share in our earnings.

1.03

Control of Contract

Control of the Contract is as shown on Contract Schedule I under Control of Contract.

1.04

Certificate

Any certificate summarizes Contract provisions; it is for information only and is not part of the Contract. We will provide certificates as required by state law in the state where the Contract is delivered and as allowed under the Plan. Nothing in the Contract invalidates or impairs any right granted under New York Insurance Law Section 3219.

1.05

Incontestability

We will not cancel the Contract because of any error of fact.

1.06

Grace Period

Except as provided in 7.12, the Contract and all Individual Accounts will remain in effect even if Contributions are not continued.

1.07

Change of Contract

Only a Company officer at the level of Vice President or higher, or an officer with written delegation of authority from a Vice President or higher officer, may change the terms of the Contract. No other Company officer, employee, agent or representative can change the Contract.

Except as noted below, the Contract may be changed at any time by written mutual agreement between the Contract Holder and the Company. For changes we initiate requiring Contract Holder consent, we notify the Contract Holder 60 calendar days in advance of the change and consider that the Contract Holder has agreed to the change unless we receive written notice that the Contract Holder does not agree to the change at least 30 calendar days before the date the change becomes effective.

If we propose a change requiring Contract Holder consent and the Contract Holder does not agree to the change, we have the right to not establish new Individual Accounts and to stop accepting Contributions to existing Individual Accounts.

We will not reduce the minimum guaranteed interest rate for the Fixed Account.

We have the right to change the following without Contract Holder consent:

(a)

Net Investment Factor (see 3.06)

We may change the net investment factor by notifying the Contract Holder in writing at least 30 calendar days before the change becomes effective. If we do this, the change will apply only to Individual Accounts established, and Contributions received, after the date the change becomes effective.

(b)

Guaranteed Accumulation Account (GAA) market value adjustment (see 6.09)

We may change the GAA market value adjustment by notifying the Contract Holder in writing at least 90 calendar days before the change becomes effective. If we do this, the change will apply only to guaranteed terms offered in deposit periods after the date the change becomes effective.

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(c)

Systematic Distribution Options (see 7.08)

We may change systematic distribution options by notifying the Contract Holder in writing at least 30 calendar days before the change becomes effective. If we do this, the change will not apply to you or beneficiaries receiving payments under an option before the date the change becomes effective.

(d)

Annuity Options (see 10.03)

We may change Annuity options by notifying the Contract Holder in writing at least 30 calendar days before the date the change becomes effective. If we do this, the change will not take effect until at least 12 months after the Effective Date of the Contract, or until at least 12 months after any previous change. Any change will not apply to you or beneficiaries receiving Annuity payments before the date the change becomes effective.

(e)

Mortality Table (see 10.04)

We may change the mortality table by notifying the Contract Holder in writing at least 30 calendar days before the date the change becomes effective. If we do this, the new table will not apply to Individual Accounts established before the date the change becomes effective.

In addition, we may change the Contract as required to comply with state and federal law without Contract Holder consent by notifying the Contract Holder at least 30 calendar days before the date the change becomes effective.

Any unilateral change will not apply to Individual Accounts established before the date the change becomes effective, but will apply to Individual Accounts established on or after the date the change becomes effective. If we make a unilateral change, the Contract Holder or you, as applicable, are permitted to terminate participation in the Contract before the date the change becomes effective under the terms of the Contract in effect prior to the date the change becomes effective.

As required by law, we will make any change of Contract by endorsement, which may be subject to regulatory approval in the state where the Contract is delivered.

1.08

Payments

We make payments as directed by the Contract Holder or you, as applicable. Payment requests must be in writing or as we otherwise allow in our administrative practice. We determine the amount of any payment based on the Individual Account value as of the next Valuation Date following our receipt of a payment request in Good Order at our Home Office. Generally, we make payments within seven calendar days.

1.09

Deferral of Payment

We may defer payment up to a period of six months or as otherwise provided by state and/or federal law.

1.10

Proof of Age

If a life-contingent Annuity option is elected, we may require proof of the age of an Annuitant.

1.11

Evidence of Survival

We may require proof that any Annuitant under a life-contingent Annuity option is living.

1.12

Misstatements and Adjustments

If we learn that the age of any Annuitant or second Annuitant is misstated, we will use the correct age to adjust payments. We reserve the right to obtain reimbursement, or to adjust future payments for any amount we overpaid. We will pay the amount of any underpayment.

1.13

Reports

Each calendar year we provide the Contract Holder or you, as applicable, with a report of the Individual Account value. We also provide an annual report for the Separate Account.

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1.14

State Laws

The Contract complies with the laws of the state in which it is delivered. Any cash, death or Annuity payments are equal to or greater than the minimum required. To determine legal reserve valuation, we use Annuity tables as required by law; such tables may be different from those we use to determine Annuity payments.

1.15

Claims of Creditors

Individual Accounts are not subject to the claim of any creditor of the Contract Holder, you, or a Contract beneficiary, except to the extent permitted by law.

1.16

Maintenance Fee

We may deduct an annual maintenance fee during the Accumulation Phase.

The amount of the maintenance fee, if any, for the Contract is shown on Contract Schedule I under Maintenance Fee.

The fee, if any, is deducted proportionately from each Investment Option in which the Individual Account is invested on the anniversary of the Individual Account Effective Date. The fee is also deducted if the entire Individual Account value is withdrawn.

If you have more than one Individual Account, we may deduct the fee proportionately from all Individual Accounts. We may eliminate the fee for an Individual Account established with one lump-sum Contribution.

1.17

Charges for Additional Services

At the request of the Contract Holder, we, or our authorized representatives, may provide administrative services to the Plan. We reserve the right to charge for such services.

1.18

Charges Subject to Change

The maintenance fee (see 1.16) and charges to the Separate Account during the Accumulation Phase (see 3.07) may vary (increase, decrease, or be eliminated) based on the total assets held in all Individual Accounts under the Contract. In determining total assets, we may aggregate Individual Accounts established under different Company Contracts. The aggregate amount is equal to the sum of assets in all Individual Accounts under the Contract, plus the value of Individual Accounts under other Company Contracts of the same class issued to the Contract Holder. We may determine the amount of the maintenance fee and/or charges to the Separate Account based on total assets on an annual basis. We will determine initial charges based on our estimate of the amount that will be allocated to the Contract during a period mutually agreed upon by the Contract Holder and us.

Part I. Accumulation Phase

Section 2. Contributions and Individual Account Value

2.01

Contributions

We allocate Contributions in whole percentages among the Investment Options available as directed by the Contract Holder or you, as applicable. Changes in future Contribution allocation may be made at any time without charge. The Contract Holder or you, as applicable, may also establish an Individual Account with one lump-sum Contribution.

We reserve the right to establish minimum Contribution amounts and to refuse to accept any Contribution.

Contributions to Individual Accounts may be limited as provided in the Code. The limits, if any, are shown on Contract Schedule I under Contribution Limits.

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2.02

Premium Tax

We pay any applicable premium tax when it is due. We will deduct the amount of any applicable premium tax from the Individual Account value no earlier than when there is a tax liability. We reserve the right to deduct any premium tax due before a Contribution is allocated to an Individual Account.

2.03

Individual Account

We will establish an Individual Account for you.

If required, we will provide accounts that distinguish between your employer's and your Contributions.

2.04

Experience Credit

We may apply experience credits (investment, administrative, mortality or other) under the Contract and may apply such credits as:

(a)

A reduction in the maintenance fee;

(b)

A reduction in the mortality and expense risk charge to the Separate Account;

(c)

A reduction in the administrative charge to the Separate Account; and

(d)

An increase in a Fixed Interest Option interest rate.

We will apply experience credits at our sole discretion as we deem appropriate for the class of contracts to which the Contract is issued.

2.05

Individual Account Value

As of the most recent Valuation Date, the Individual Account value is equal to the total of all Contributions:

(a)

Plus any interest added on the amount, if any, allocated to a Fixed Interest Option(s);

(b)

Plus or minus the investment experience on the amount, if any, held in the Separate Account;

(c)

Minus any applicable maintenance fees, any amounts withdrawn, or used to purchase Annuity payments, or any applicable premium tax; and

(d)

Minus any applicable fees or charges deducted.

Section 3. Separate Account

3.01

General

The Separate Account, established under Title 38a, Section 38a-433 of the Connecticut General Statutes, buys and holds shares of the Funds available under the Contract. The Separate Account is registered as a unit investment trust under the Investment Company Act of 1940.

We own the assets held in the Separate Account; we are not a trustee of those assets. Income, gains or losses, realized or unrealized, are credited to or charged against the Separate Account without regard to our other income, gains or losses. Separate Account assets, to the extent of reserves and other Contract liabilities, cannot be charged with liabilities arising out of any other business we conduct.

3.02

Funds Available

We reserve the right to limit the number of Funds in which an Individual Account may be invested, at one time or cumulatively, during the Accumulation Phase and/or Annuity Phase.

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3.03

Change or Substitution of Funds

We reserve the right to stop offering any Fund or to add Funds. We may substitute shares of a Fund for shares of another Fund. We will provide the Contract Holder with reasonable advance notice of any elimination, addition or substitution of a Fund. If the Plan is subject to ERISA, we will seek Contract Holder consent in advance of any Fund substitution. Consent will be deemed given unless, following notice of substitution and within a prescribed time period, the Contract Holder notifies us in writing that it does not consent and provides us with alternative investment instructions for the shares that would otherwise be affected by the substitution.

3.04

Accumulation Units

Each Contribution allocated to one or more of the Funds is credited to an Individual Account as accumulation units. The number of accumulation units is calculated by dividing the amount of the Contribution allocated to the Fund by the accumulation unit value (see 3.05) as of the next Valuation Date following our receipt of the Contribution in Good Order at our Home Office.

3.05

Accumulation Unit Value

The value of each accumulation unit for any Fund for each Valuation Date is computed by multiplying the net investment factor (see 3.06) by the accumulation unit value for such Valuation Date.

Accumulation unit values may increase or decrease from Valuation Date to Valuation Date.

3.06

Net Investment Factor

The net investment factor is used to compute the accumulation unit value for any Fund.

For each Valuation Date, for each Fund, the net investment factor is equal to 1.0000000, plus the net return rate.

The net return rate equals:

	[a - b - c]
	------------- - e - f
		d

Where:

	a is	the value of the shares of the Fund held by the Separate Account on the current Valuation Date;
	b is	the value of the shares of the Fund held by the Separate Account on the prior Valuation Date;
	c is	taxes or provisions for taxes, if any, on the Separate Account (with any federal income tax liability offset by foreign tax credits to the extent allowed);
	d is	the total value of the accumulation units and Annuity units of the Separate Account on the prior Valuation Date;
	e is	Separate Account daily charges for mortality and expense risk and a daily administrative charge as shown on Contract Schedule I under Daily Charges to the Separate Account; and
	f is	if applicable, a charge for the GET Fund guarantee, which is deducted daily during the guarantee period. The charge, which is determined before the beginning of each offering period (see 4.02), is shown on Contract Schedule I under Daily Charges to the Separate Account.

The net return rate may be greater or less than zero percent.

3.07

Charges to the Separate Account

During the Accumulation Phase, we may deduct a mortality and expense risk charge from the Individual Account value invested in the Separate Account. In addition, we reserve the right to impose an administrative charge.

The charges to the Separate Account are shown on Contract Schedule I under Daily Charges to the Separate Account and are deducted daily.

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3.08

Fund Transfers

During the Accumulation Phase, any portion or all of the Individual Account value held in a Fund may be transferred to any other Fund or any available Fixed Interest Option. The Individual Account value will be based on the Fund's accumulation unit value next determined after we receive a transfer request in Good Order.

3.09

Withdrawals from the Separate Account

If the Contract Holder or you, as applicable, requests a partial or full withdrawal (see 7.02) from the Funds, a withdrawal charge may apply (see 7.04).

Section 4. Voya GET Fund (GET Fund)

The following provisions apply if the GET Fund is available.

4.01

GET Fund Guarantee Period

For each GET Fund series, the period for which the GET Fund guarantee applies. The guarantee period ends on the Maturity Date.

4.02

GET Fund Offering Period

The period, usually from one to three months, during which the Contract Holder or you, as applicable, may transfer or allocate amounts to a GET Fund series. Each GET Fund series has a specific offering period. Amounts transferred or allocated prior to the date on which the guarantee period begins are invested in money market instruments.

We will specify a minimum total asset amount required at the end of an offering period to offer a GET Fund series. If the minimum is not achieved, we reserve the right not to begin the guarantee period. If a GET Fund series is not begun, we will mail a notice to all Contract Holders or you, as applicable, who have made allocations to that GET Fund series no less than 15 calendar days after the end of the offering period. The Contract Holder or you, as applicable, then has 45 calendar days from the end of the offering period to reallocate the amount allocated to the GET Fund to any other available Investment Options. During this time, GET Fund assets are invested in money market instruments. If the Contract Holder or you, as applicable, makes no election by the end of the 45-day period, at the next Valuation Date, we will allocate the amount in the terminated GET Fund series to the money market fund available under the Contract.

We reserve the right to specify a maximum total asset amount for a GET Fund series. If the maximum is achieved, we reserve the right to set a date on which we will stop accepting allocations for that GET Fund series. We will announce the date on which we will stop accepting transfers and allocations 10 calendar days prior to that date.

4.03

GET Fund Guarantee

On the Maturity Date of each GET Fund series, the GET Fund accumulation unit value for that series will not be less than the GET Fund accumulation unit value determined at the close of business on the last day of the offering period. If necessary to offset any shortfall in the GET Fund accumulation unit value, we will transfer funds from our General Account to the Separate Account. The GET Fund guarantee does not apply to transfers or withdrawals made before the Maturity Date.

If GET Fund accumulation units are adjusted at any time during the guarantee period, the GET Fund guarantee will be restated. We calculate the restated guarantee so that it is equivalent to the original guarantee for that GET Fund series.

A daily charge is assessed on the amount, if any, allocated to the GET Fund. This charge for the GET Fund guarantee is shown on Contract Schedule I under Daily Charges to the Separate Account.

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4.04

GET Fund Maturity Date

The GET Fund Maturity Date is the date on which the guarantee period ends and GET Fund accumulation units are liquidated.

Prior to the Maturity Date for each series, we send a written notice of the date to each Contract Holder or you, as applicable, who has an Individual Account value in that series. In response, the Contract Holder or you, as applicable, must tell us to which available Investment Options to transfer the amount in the GET Fund on the Maturity Date. If we do not receive instructions, on the Maturity Date we transfer the portion of the Individual Account value held in the GET Fund to another GET Fund series, if available. If no GET Fund series is available, we transfer the amount to the Fund or Funds we designate in the written notice.

4.05

Transfers or Withdrawals from the GET Fund

Transfers or withdrawals from the GET Fund before the Maturity Date are based on the GET Fund unit value for the next Valuation Date following our receipt of the request in Good Order (see 7.01 and 7.02).

Section 5. Fixed Account

The following provisions apply if the Fixed Account is available as shown on Contract Schedule I under Fixed Interest Options Available.

5.01

Fixed Account Minimum Guaranteed Interest Rate

The Fixed Account minimum guaranteed interest rate is shown on Contract Schedule I under Fixed Account Minimum Guaranteed Interest Rate.

Each calendar year, we will set an annual minimum guaranteed interest rate which will apply to all amounts held in the Fixed Account during the calendar year. The one year minimum guaranteed interest rate will be established prior to each calendar year and will be made available to the Contract Holder or you, as applicable, in advance of the calendar year. We, at our discretion, may credit a higher interest rate, which is not guaranteed; we will make the current rate, and the period for which it will be credited, available to the Contract Holder or you, as applicable.

5.02

Transfers from the Fixed Account

Each calendar year, the percentage shown on Contract Schedule I under Fixed Account Annual Transfer Limit of the amount in the Fixed Account may be transferred to any available Investment Options. The amount available for transfer will be based on the Individual Account value in the Fixed Account as of the date we receive the transfer request in Good Order at our Home Office. We may, on a temporary basis, allow transfer of a larger percentage.

5.03

Withdrawals from the Fixed Account

If the Contract Holder or you, as applicable, requests a partial or full withdrawal (see 7.02) from the Fixed Account, a withdrawal charge may apply (see 7.04).

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Section 6. Guaranteed Accumulation Account (GAA)

The following provisions apply if the Guaranteed Accumulation Account is available as shown on Contract Schedule I under Fixed Interest Options Available.

6.01

Nonunitized Separate Account

The Nonunitized Separate Account is established under Title 38a, Section 38a-433 of the Connecticut General Statutes and is subject to New York insurance law. There are no discrete units for this account. We own the assets held in the Nonunitized Separate Account; we are not a trustee of those assets. The Contract Holder or you do not participate in the investment gain or loss from assets held in the Nonunitized Separate Account. Such gain or loss is borne entirely by us. Income, gains or losses, realized or unrealized, are credited to or charged against the Nonunitized Separate Account without regard to our other income, gains or losses. Nonunitized Separate Account assets, to the extent of reserves and other Contract liabilities, cannot be charged with liabilities arising out of any other business we conduct.

6.02

GAA Minimum Guaranteed Interest Rate

All Contributions allocated to a GAA guaranteed term (see 6.04) earn a rate of interest which we determine and which is guaranteed when the Contribution remains in the guaranteed term until the Maturity Date. We will declare the interest rate applicable to a specific guaranteed term at the start of the deposit period for that guaranteed term. The rate credited will never be less than the minimum interest rate shown on Contract Schedule I under Guaranteed Accumulation Account Minimum Guaranteed Interest Rate.

For guaranteed terms of one year or less, one guaranteed rate is credited for the full guaranteed term. For longer guaranteed terms, we may credit an initial guaranteed interest rate from the date of deposit to the end of a specified period within the guaranteed term. We may credit different interest rates for subsequent specified periods throughout the guaranteed term.

6.03

Deposit Period

A deposit period is the period of time we determine during which we accept allocations (Contributions, transfers, or reinvestments) to one or more guaranteed terms. We reserve the right to extend the deposit period.

6.04

Guaranteed Term

A guaranteed term is the period of time for which we guarantee the declared interest rate for allocations (Contributions, transfers, or reinvestments) to GAA guaranteed terms. We may offer guaranteed terms ranging in duration from one to ten years. During each deposit period, we may offer more than one guaranteed term of varying lengths. The guaranteed term begins the day after the deposit period ends and ends on the Maturity Date. The Contract Holder or you, as applicable, may allocate Contributions or transfers to any or all guaranteed terms available in the current deposit period.

6.05

Guaranteed Term Groups

A guaranteed term group is comprised of all GAA guaranteed terms of the same duration.

6.06

Maturity Date, Maturity Value and Reinvestment

The Maturity Date is the last day of a guaranteed term. The maturity value is the amount we pay at the end of a guaranteed term. At least 18 calendar days before any guaranteed term Maturity Date, we notify the Contract Holder or you, as applicable, of the projected maturity value and the guaranteed terms (and the guaranteed interest rates for each) available during the then-current deposit period. The Contract Holder, or a Participant, as applicable, may then tell us how to allocate the maturity value.

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If the Contract Holder or you, as applicable, does not tell us how to reinvest the maturity value, we reinvest it in a guaranteed term of the same duration if one is available. If no guaranteed term of the same duration is available, we reinvest the maturity value in the guaranteed term with the next shortest duration. If no shorter guaranteed term is available, we reinvest the maturity value in the next longest term. We mail a confirmation of reinvestment. The confirmation includes the guaranteed term in which we have reinvested the maturity value and the guaranteed interest rate for that term.

If we have reinvested the maturity value, during the month following the Maturity Date, the Contract Holder or you, as applicable, may transfer or withdraw the reinvested amount, with interest earned (as of the date we receive the request) without incurring a market value adjustment (see 6.08).

6.07

Transfers and Withdrawals from the GAA

Except as noted below, the Contract Holder or you, as applicable, may transfer any portion or all of the amount held in the GAA. Transfers or withdrawals before the Maturity Date may be subject to a market value adjustment (see 6.08). Amounts invested in a guaranteed term may not be transferred during the deposit period or for a period of 90 calendar days after the close of the deposit period.

Unless directed otherwise, when the Contract Holder or you, as applicable, requests a transfer or withdrawal from the GAA, we withdraw amounts proportionately from each guaranteed term in which the Individual Account is invested. Within a guaranteed term group (see 6.05), we withdraw first from the oldest deposit period and then from the next oldest and so on until the amount requested is withdrawn.

6.08

Application of the Market Value Adjustment

Transfers or withdrawals from the GAA before the Maturity Date are subject to a market value adjustment, except for:

(a)

A one-month period following the Maturity Date on which we have automatically reinvested the value on the Maturity Date;

(b)

Distributions under the estate conservation option (see 7.10); and

(c)

When the withdrawal is equal to the minimum distribution amount required under the Code, using a method permitted by the Code and which we offer.

For withdrawals and transfers from the GAA made (1) due to your death before Annuity payments begin, or (2) to purchase Annuity payments under any Annuity option as provided in Section 10, the amount withdrawn from the GAA is the greater of:

(a)

The aggregate market value adjustment amount which is the sum of all market value adjusted amounts calculated due to a withdrawal before the Maturity Date (which may be positive or negative); or

(b)

The amount in the GAA.

We may change the GAA market value adjustment by notifying the Contract Holder in writing at least 90 calendar days before the change becomes effective. Any such change will apply only to guaranteed terms offered in deposit periods after the date the change becomes effective and will apply to existing and new Individual Accounts.

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6.09

Market Value Adjustment (MVA)

The market value adjustment reflects any change in yields on U.S. Treasury Notes from the time an amount is allocated to a GAA guaranteed term to the time of a transfer or withdrawal prior to the Maturity Date. When the market value adjustment is applied, the amount transferred or withdrawn from the GAA is multiplied by a factor which is calculated as follows:

		x
	-------
	365
(1 + i)
-----------------------
		x
	-------
	365
(1 + j)

Where:

	i	is the deposit period yield
	j	is the current yield
	x	is the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term.

The deposit period yield and the current yield are determined as follows:

Deposit Period Yield

At the close of the last business day of each week of a deposit period, we compute a yield that is the average of the yields on U.S. Treasury Notes which mature in the last three months of the guaranteed term. The deposit period yield is the average of those yields for the deposit period. If a withdrawal is made prior to the close of the deposit period, the deposit period yield is the average of the yields of U.S. Treasury Notes for each week preceding the withdrawal. In the event that no U.S. Treasury Notes will mature in the last three months of the guaranteed term, we reserve the right to use the U.S. Treasury Notes that mature in a following quarter.

Current Yield

The Current Yield is the average of the yields of the same U.S. Treasury Notes used to calculate the deposit period yield on the last business day of the week preceding withdrawal.

If U.S. Treasury Notes are no longer available, we will substitute a suitable replacement index, subject to approval of the Superintendent of the New York Insurance Department.

A detailed description of the MVA has been filed with the Superintendent of the New York Insurance Department.

Section 7. Transfers, Withdrawals and Distributions

7.01

Transfers

During the Accumulation Phase, the Contract Holder or you, as applicable, may transfer all or any portion of the Individual Account value among the available Investment Options. The Individual Account value on any amount transferred from a Fund will be based on the Fund's accumulation unit value next determined after we receive the transfer request in Good Order at our Home Office.

The Contract Holder or you, as applicable, may request a transfer by properly completing a transfer request form and sending it to our Home Office, or by otherwise complying with our administrative procedures. We reserve the right to establish a minimum transfer amount.

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7.02

Withdrawals

As allowed by the Plan, if applicable, and subject to provisions of the Code (see 7.03), during the Accumulation Phase, the Contract Holder or you, as applicable, may withdraw any portion or all of the Individual Account value. For Code Section 403(b) Plans, the Contract Holder or you, as applicable, may transfer the amount withdrawn to another investment provider under the Plan or roll over such amount that qualifies as an eligible rollover distribution in accordance with Code Sections 403(b)(8), 401(a)(31) and 402(c) and applicable regulations. The Individual Account value of any amount withdrawn from a Fund will be based on the Fund's accumulation unit value next determined after we receive the transfer request in Good Order.

The Contract Holder or you, as applicable, may request a withdrawal by properly completing a withdrawal request form and forwarding it to our Home Office, or by otherwise complying with our administrative procedures. Unless the Contract Holder or you, as applicable, requests otherwise, the withdrawal will be made proportionately from the Investment Options in which the Individual Account is invested.

A withdrawal charge may apply to amounts withdrawn (see 7.04). In addition, a market value adjustment may apply to amounts withdrawn from the GAA (see 6.08 and 6.09).

7.03

Withdrawal Restrictions Under the Code

The Code may impose restrictions on the amount and timing of withdrawals. The restrictions applicable to the Contract are shown on Contract Schedule I under Withdrawal Restrictions Under the Code. Withdrawals that do not comply with the Code may be subject to tax penalties.

7.04

Withdrawal Charge

During the Accumulation Phase, we may deduct a withdrawal charge from the Individual Account value withdrawn. The charge, if any, is a percentage of the amount withdrawn from the Funds and/or Fixed Interest Options. The withdrawal charge will never exceed 8.5% of the total amount of Contributions, or the maximum permitted by National Association of Securities Dealers, Inc. (NASD) rules.

The withdrawal charge, if any, is shown on Contract Schedule I under Withdrawal Charge.

7.05

Waiver of Withdrawal Charge

The withdrawal charge (see 7.04) does not apply in any of the circumstances shown on Contract Schedule I under Waiver of Withdrawal Charge.

In addition, we reserve the right to reduce, waive or eliminate the withdrawal charge.

7.06

Reinstatement

Within 30 calendar days after a withdrawal, the Contract Holder or you, as applicable may elect to reinstate all or a portion of the proceeds of a full withdrawal if allowed by applicable law. We must receive the reinstated amount within 60 calendar days of the withdrawal.

Any maintenance fee and withdrawal charge imposed at the time of the withdrawal is included in the reinstatement. If only a portion of the amount withdrawn is reinstated, the amount of any maintenance fee and withdrawal charge deducted will be restored proportionally. The amount of any market value adjustment deducted from any amount withdrawn from GAA is not included in the amount reinstated.

Any amount reinstated to GAA will be credited to guaranteed terms available in the current deposit period. We will reinvest it in a guaranteed term of the same duration if one is available. If no guaranteed term of the same duration is available, we reinvest the maturity value in the guaranteed term with the next shortest duration. If no shorter guaranteed term is available, we reinvest the maturity value in the next longest term.

Amounts withdrawn from a GET Fund series are reinstated to the current offering period if one is available. If no GET Fund offering period is available, any amount withdrawn from the GET Fund is reinstated equally among all other Investment Options in which the Individual Account is invested.

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Amounts are reinstated among the Investment Options in the same proportion as they were held at the time of withdrawal, except, as noted above, for amounts from the GET Fund. Any maintenance fee which falls due after the withdrawal and before the reinstatement is deducted from the amount reinstated.

The number of accumulation units reinstated to any Fund is based on the accumulation unit values next computed after we receive the reinstatement request in Good Order at our Home Office.

Reinstatement is permitted only once.

7.07

Required Distributions

While an Individual Account remains in the Accumulation Phase, the Code may require distribution of all or a portion of the Individual Account value. The Contract Holder, you, or Contract beneficiary, as applicable, must tell us when to begin distributions. We have no responsibility for adverse tax consequences as the result of the Contract Holder, you, or Contract beneficiary, as applicable, not complying with minimum distribution requirements.

The distribution requirements, if any, are shown on Contract Schedule I under Required Distributions.

Generally, to meet distribution requirements, the Contract Holder, you, or Contract beneficiary, as applicable, may request partial withdrawals, a systematic distribution option (see 7.08) or an Annuity option.

7.08

Systematic Distribution Options

During the Accumulation Phase, we offer three distribution options, the Systematic Withdrawal Option (see 7.09), the Estate Conservation Option (7.10), and the Life Expectancy Option (see 7.11). Under these options we make regularly-scheduled, automatic, partial distributions of the Individual Account value.

Withdrawals from the Individual Account value for an SDO are made proportionately from each investment option in which the account is invested. No withdrawal charge applies to amounts distributed under a systematic distribution option. A MVA will apply, however, to amounts withdrawn from the GAA.

If applicable, all payments comply with the incidental death benefit test of Code Section 401(a)(9). Any single or joint life expectancy factor(s) used in the calculation of a systematic distribution option will comply with Code Section 401(a)(9) and related regulations and are generally based on the tables associated with that section of the Code.

To request SWO, ECO or LEO, the Contract Holder, you, or Contract beneficiary, as applicable, must complete an election form and forward it to our Home Office. We may require a minimum Individual Account value to elect an SDO. Generally, an SDO may be elected only once and if revoked, may not be reinstated.

The availability of any specific option will be subject to terms and conditions applicable to that option. Availability is also determined by the Plan. We reserve the right to discontinue the availability of an SDO option for future election. Payments will, however, continue to you if you elected the option before the date it is no longer available.

7.09

Systematic Withdrawal Option (SWO)

Under SWO, a portion of the Individual Account value is automatically withdrawn and paid to you. The earliest date SWO payments may begin is the date you attain [age 59 1/2 or] age 55 if you have separated from service at or later than age 55. SWO is not available when a loan (if allowed under the Contract) is in effect.

The Contract Holder, or you, as applicable, may elect one of the following payments methods:

(a)

Payment of a specified dollar amount annually

The amount distributed may not be more than 20% of the Individual Account value as of the date SWO is elected. The amount will remain constant unless a larger amount is required under the Code's minimum distribution rules. Each year, we will calculate the minimum distribution required by dividing the Individual Account value as of December 31 of the prior year by the life expectancy factor. If the minimum distribution required is larger than the amount requested, we distribute the minimum required amount.

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(b)

Payment over a specified period

Payments must be over a period of at least five years unless a larger amount is required under the Code's minimum distribution rules. The maximum period allowed is determined by the life expectancy factor. The amount paid each year is the Individual Account value as of December 31 of the prior year divided by the remaining number of payment years.

(c)

Payment of a percentage of the Individual Account value

We will distribute an amount equal to or less than 20% of the Individual Account value as of the date SWO is elected. Each year the amount distributed is calculated by multiplying the Individual Account value on December 31 of the prior year by the percentage elected. Payments are made each year until you attain age 70 1/2.

For SWO, the life expectancy factor for the initial distribution is reduced by one.

If amounts are withdrawn from the GAA, a MVA (see 6.08 and 6.09) will apply to amounts withdrawn under SWO.

7.10

Estate Conservation Option (ECO)

Under ECO, a portion of the Individual Account value is automatically withdrawn and paid to you. The earliest date ECO payments may begin is the first day of the calendar year in which you attain age 70 1/2. (A spousal beneficiary may elect ECO and payments may begin as of the date of your death.)

When ECO is in effect, we will calculate and distribute an amount equal to the minimum distribution required under the Code. Generally, the amount distributed is equal to the Individual Account value as of December 31 of the year prior to the payment year divided by a single or joint life expectancy factor. The life expectancy factor is recalculated each year.

If amounts are withdrawn from the GAA, no MVA applies to amounts withdrawn under ECO.

7.11

Life Expectancy Option (LEO)

This option is available only to you if you have separated from service. LEO provides automatic, substantially equal periodic payments of the Individual Account value prior to age 59 1/2. LEO is not available when a loan (if allowed under the Contract) is in effect.

To avoid tax penalties, the calculation of payments under LEO must comply with methods allowed under federal regulations. Currently, we offer the following three methods:

(a)

Life expectancy method

The annual payment amount is recalculated each year. It is calculated by dividing the Individual Account value by your life expectancy. The amount distributed each year will be based on the Individual Account value as of December 31 of the prior year.

(b)

Amortization method

The annual payment amount remains level. The annual amount is determined by amortizing the Individual Account value over your life expectancy or the joint life expectancies of you and the beneficiary at an interest rate that does not exceed a reasonable interest rate on the date payments begin.

(c)

Annuity method

The annual payment amount remains level. The amount is determined by dividing the Individual Account value by an annuity factor beginning at your age in the year payments begin and continuing for your life and which is derived using an interest rate that does not exceed a reasonable interest rate on the date payments begin.

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As allowed by law, we may offer additional methods.

Once a payment method is elected, payments must continue for at least five years or until you attain age 59 1/2, whichever is later. We will not make payments under LEO once you attain age 70. At age 70, you must elect another distribution option or use all or a portion of the Individual Account value to purchase Annuity payments.

If amounts are withdrawn from the GAA, a MVA (see 6.08 and 6.09) will apply to amounts withdrawn under LEO.

7.12

Individual Account Termination

If the Individual Account value is an amount equal to or less than the amount shown on Contract Schedule I under Individual Account Termination Amount, we have received no Contributions for 36 months, and the calculation for the guaranteed monthly benefit under the Annuity option amounts to an Annuity payment of less than $20 per month, we reserve the right to terminate an Individual Account, and pay such Individual Account value in a lump sum. Before we do this, we notify the Contract Holder or you, as applicable, 90 calendar days in advance. When we terminate an Individual Account, we do not deduct a withdrawal charge. We do not exercise this right when the Individual Account value is equal to or less than the amount shown on Contract Schedule I under Individual Account Termination Amount due to investment performance.

Section 8. Loans

8.01

Loan Availability

Contract Schedule I indicates whether loans are available under the Contract. If available, a loan endorsement is included as part of the Contract.

Section 9. Death Benefit During the Accumulation Phase

9.01

Death Benefit

If you die during the Accumulation Phase, we pay a death benefit. The amount of the death benefit is the Individual Account value as of the next Valuation Date following our receipt of acceptable proof of death at our Home Office (see 6.08 for amounts in the GAA).

9.02

Contract Beneficiary

The Contract beneficiary is shown on Contract Schedule I under Contract beneficiary. Generally, you may name a beneficiary under the Plan (the Plan beneficiary). If allowed by the Plan, when designating the beneficiary, the Contract Holder or you, as applicable, may specify, the form of payment as permitted by the Code. The Contract beneficiary and the form of payment, if applicable, may be designated or changed in writing or as we may otherwise allow in our administrative procedures.

9.03

Distribution of Death Benefit

Generally, if the Plan beneficiary is your surviving spouse, distribution of the death benefit must begin no later than the year you would have attained age 70 1/2 or any other date allowed under federal law or regulations.

If the Plan beneficiary is not your surviving spouse, generally, the death benefit must be used to purchase Annuity payments within one year of the year of your death or otherwise paid within five years of the year of your death.

Annuity payments to a Plan beneficiary may not extend beyond the period specified in the Code.

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Part II. Annuity Phase

Section 10. General Provisions

10.01

Election

The Contract Holder, you, or Contract or Plan beneficiary, as applicable, may elect an Annuity option by properly completing an election form and forwarding it to our Home Office no later than 30 calendar days before the desired first Annuity payment date. All Annuity option elections must comply with any Plan requirements and regulatory requirements including the Code minimum distribution requirements.

All or any portion of the Individual Account value (after the deduction of any applicable premium tax) may be used to purchase Annuity payments (for amounts from the GAA, see 6.08).

The Contract Holder, you, or Contract or Plan beneficiary, as applicable, must also select an Annuity option (see 10.03) and the Investment Options (see 10.06).

Once payments begin, an Annuity option may not be revoked, nor may any amount be withdrawn except as noted below.

10.02

Change of Annuity Provisions

We reserve the right to change or eliminate Annuity options (see 10.03) and to change the mortality table (see 10.04) we use to calculate payment rates for life-contingent Annuity payments. If we do this, any change will not take effect until at least 12 months after the Contract Effective Date, or until at least 12 months after any previous change. A change to Annuity options or the mortality table used to calculate payment rates will not apply to Individual Accounts established before the date the change becomes effective.

10.03

Annuity Options

The Contract Holder, you, or Contract or Plan beneficiary, as applicable, must elect one of the following:

Option 1: Payments for a Stated Period

This option provides payments for a stated period. The number of years in the stated period must fall within the range shown on Contract Schedule II under Payment Period.

If payments for this option are under a Variable Annuity, the present value of any remaining payments may be withdrawn at any time. If a withdrawal is requested within five years of the first payment, the lump-sum payment is treated as a withdrawal during the Accumulation Phase and any applicable withdrawal charge applies (see 7.04).

If the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may be elected at the time the Annuity option is chosen (if permitted by the Code).

Option 2: Life Income for One Annuitant

This option provides payments for the life of the Annuitant. If this option is elected, the Contract Holder, you, or Contract or Plan beneficiary, as applicable, must also choose one of the following:

(a)

Payments cease at the death of the Annuitant; or

(b)

Payments are guaranteed for a period within the range shown on Contract Schedule II under Payment Period; or

(c)

Fixed-only cash refund: at the death of the Annuitant, the beneficiary receives a lump-sum payment in an amount equal to the amount applied to the Annuity (minus any applicable premium tax), minus the amount of payments made to the Annuitant.

Under (a) or (b), if the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may be elected at the time the Annuity option is chosen (if permitted by the Code).

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Option 3: Life Income for Two Annuitants

This option provides payments for the lives of the Annuitant and a second Annuitant. Payments continue until both Annuitants have died. If this option is elected, the Contract Holder, you, or Contract or Plan beneficiary as applicable, must also choose one of the following:

(a)

100% of the payment amount to continue after the first death; or

(b)

66 2/3% of the payment amount to continue after the first death; or

(c)

50% of the payment amount to continue after the first death; or

(d)

100% of the payment amount to continue after the first death with payments guaranteed to the beneficiary after the second death for a period within the range shown on Contract Schedule II under Payment Period; or

(e)

100% of the payment amount to continue at the death of the specified second Annuitant and 50% of the payment amount to continue at the death of the specified Annuitant; or

(f)

100% of the fixed-only payment amount to continue after the first death with a cash refund to the Contract beneficiary after the second death. The amount of the cash refund is equal to the amount applied to the Annuity (minus any applicable premium tax), minus the amount of payments made.

Under (a) or (d), if the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may be elected at the time the Annuity option is chosen (if permitted by the Code).

Other Options

As allowed under applicable state law, we reserve the right to make other options available.

10.04

Mortality Table

The mortality table for the Contract is shown on Contract Schedule II under Mortality Table.

10.05

Payments

The first payment amount must be at least $50 per month or $250 per year. We reserve the right to increase the minimum first payment amount, if allowed by state law, based on increases reflected in the Consumer Price Index-Urban (CPI-U) since July 1, 1993.

To calculate the first payment of a variable Annuity or the guaranteed payments for a fixed Annuity, we will use the Annuitant's adjusted age and, if applicable, the second Annuitant's adjusted age. The Annuitant's adjusted age and, if applicable, the second Annuitant's adjusted age is the person's age as of the birthday closest to the day Annuity payments begin, reduced as follows:

(a)

Reduced by one year for payments before January 1, 2000;

(b)

Reduced by two years for payments beginning during the period from January 1, 2000 through December 31, 2009;

(c)

Starting on January 1, 2010, reduced by one additional year for payments beginning in each succeeding decade.

If a fixed Annuity is elected, we will use the applicable current settlement option rates if they will provide higher fixed Annuity payments.

10.06

Investment Options

When an Annuity option is elected, the Contract Holder, you, or Contract or Plan beneficiary, as applicable, must elect:

	(a)	A fixed Annuity for which the underlying investment is our General Account; or
	(b)	A variable Annuity for which the underlying investment is one or more of the available Funds; or
	(c)	A combination of (a) and (b).

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For a variable Annuity, the maximum number of Funds available during the Annuity Phase is shown on Contract Schedule II under Maximum Number of Funds. The Funds available during the Annuity Phase might not be the same as those available during the Accumulation Phase.

10.07

Fixed Annuity Minimum Guaranteed Interest Rate

For a fixed Annuity, the interest rate will never be less than the minimum guaranteed rate shown on Contract Schedule II under Fixed Annuity Minimum Guaranteed Interest Rate.

10.08

Variable Annuity Assumed Annual Net Return Rate Election

If a variable Annuity is elected, the Contract Holder, or you, as applicable must also elect an assumed annual net return rate of 3.5% or 5%. The initial Annuity payment for the option elected will reflect the assumed annual net return rate. If subsequent Annuity payments are to remain level, the Separate Account must earn this rate, plus enough to cover the mortality and expense risk charge shown on Contract Schedule II under Daily Charges to the Separate Account plus any applicable administrative charge.

10.09

Variable Annuity Transfers

If a variable Annuity is elected, the Contract Holder, you, or Contract or Plan beneficiary, as applicable, may request that we transfer all or a portion of the amount allocated to a Fund to any other available Fund. Transfer requests must be expressed as a percentage of the allocation among the Funds on which the variable payment is based. The number of transfers allowed each calendar year is shown on Contract Schedule II under Number of Annual Transfers Among Funds. We reserve the right to allow additional transfers. Transfers are effective as of the next Valuation Date following our receipt of a transfer request in Good Order at our Home Office.

10.10

Fund Annuity Units

The number of Fund Annuity units is based on the amount of the first variable Annuity payment which is equal to:

(a)

The portion of the Individual Account value (minus any applicable premium tax) used to purchase a variable Annuity; divided by

(b)

One thousand; multiplied by

(c)

The payment rate for the option chosen.

Such amount, or portion of the variable payment will be divided by the appropriate Fund's, or Funds', Annuity unit value (see 10.11) on the tenth Valuation Date before the due date of the first payment to determine the number of Fund Annuity units. The number of each Fund's Annuity units remains fixed unless changed by a subsequent Fund transfer or if the Annuity option provides for a change in units (i.e., under life income for two annuitants option after the first death). Each future payment is equal to the sum of the products of each Fund's Annuity unit value multiplied by the appropriate number of units. The Fund Annuity unit value on the tenth Valuation Date before the payment due date is used.

10.11

Fund Annuity Unit Value

For any Valuation Date, a Fund's Annuity unit value is equal to:

(a)

The Annuity unit value for the prior Valuation Date; multiplied by

(b)

The Annuity unit net return factor (see 10.12) for the current Valuation Date; multiplied by

(c)

A factor to reflect the assumed annual net return rate. The factor for an assumed annual net return rate of 5% is 0.9998663; for 3.5% it is 0.9999058.

The dollar value of a Fund Annuity unit and the amount of a variable Annuity payment may increase or decrease due to investment gain or loss. We will not change the payment amount due to changes in mortality, expense results, or the administrative charge.

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10.12

Fund Annuity Net Return Factor

The Annuity net return factor(s) are used to compute all variable Annuity payments for any Fund.

The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate equals:

	[a - b - c]
	------------- - e
		d

Where:

	a is	the value of the shares of the Fund held by the Separate Account on the current Valuation Date;
	b is	the value of the shares of the Fund held by the Separate Account on the prior Valuation Date;
	c is	taxes or provisions for taxes, if any, on the Separate Account (with any federal income tax liability offset by foreign tax credits to the extent allowed);
	d is	the total value of the accumulation units and Annuity units of the Separate Account on the prior Valuation Date;
	e is	Separate Account daily charges for mortality and expense risk and a daily administrative charge as shown on Contract Schedule II under Daily Charges to the Separate Account.

A net return rate may be more or less than 0%. The value of a share of a Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

10.13

Death Benefit During the Annuity Phase

The Contract Holder, or you, as applicable, must name a beneficiary for the Annuity Phase. Unless not allowed by the Plan, or restricted by the Contract Holder, or you, as applicable, the beneficiary may name a beneficiary.

If an Annuitant(s) dies, any remaining guaranteed payments continue to the beneficiary. Payments are made at least as rapidly as provided by the option in effect at the death of the Annuitant. Annuity payments to an beneficiary may not extend beyond (1) the life of the beneficiary, or (2) any period certain greater than the beneficiary's life expectancy as determined by the Code.

The beneficiary may also elect a lump-sum payment equal to the present value of any remaining payments.

The interest rate used to determine the first Annuity payment is used to calculate the present value. The present value is determined as of the next Valuation Date following our receipt of acceptable proof of death and a written claim for the death benefit.

Unless not allowed by the Plan or restricted by the Contract Holder, or you, as applicable, if the beneficiary dies while receiving payments, the present value of any remaining guaranteed payments is paid in a lump-sum to the beneficiary's beneficiary or to the beneficiary's estate.

10.14

Charges to the Separate Account

During the Annuity Phase, we may deduct a mortality and expense risk charge from the Individual Account value invested in the Separate Account. In addition, we reserve the right to impose an administrative charge.

The maximum charges to the Separate Account are shown on Contract Schedule II under Daily Charges to the Separate Account. If applicable, the charges are deducted daily.

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OPTION 1: Payments for a Stated Period

Monthly Amount for Each $1,000* Rates for a Fixed Annuity with a 3% Guaranteed Interest Rate
Years	Payment	Years	Payment
5	$17.91	20	$5.51
10	9.61	25	4.71
15	6.87	30	4.18

First Monthly Amount for Each $1,000* Rates for a Variable Annuity with a 3.5% Assumed Interest Rate (AIR)
Years	Payment	Years	Payment
5	$18.12	20	$5.75
10	9.83	25	4.96
15	7.10	30	4.45

First Monthly Amount for Each $1,000* Rates for a Variable Annuity with a 5% Assumed Interest Rate (AIR)
Years	Payment	Years	Payment
5	$18.74	20	$6.51
10	10.51	25	5.76
15	7.82	30	5.28

* Net of any applicable premium tax deduction

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Option 2: Life Income for One Annuitant

Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity Payment with 3% Guaranteed Interest Rate
Adjusted Age of Annuitant	Option 2(a): payments for life	Option 2(b): payments guaranteed 5 years	Option 2(b): payments guaranteed 10 years	Option 2(b): payments guaranteed 15 years	Option 2(b): payments guaranteed 20 years	Option 2(c): Cash Refund
55	$4.44	$4.42	$4.39	$4.32	$4.22	$4.19
60	4.95	4.93	4.86	4.73	4.55	4.57
65	5.65	5.61	5.47	5.22	4.89	5.06
66	5.82	5.77	5.61	5.33	4.96	5.18
70	6.64	6.54	6.23	5.76	5.19	5.70
75	8.06	7.82	7.14	6.25	5.38	6.51

First Monthly Payment Amount for Each $1,000* Rates for a Variable Annuity Payment with 3.5% Assumed Interest Rate
Adjusted Age of Annuitant	Option 2(a): payments for life	Option 2(b): payments guaranteed 5 years	Option 2(b): payments guaranteed 10 years	Option 2(b): payments guaranteed 15 years	Option 2(b): payments guaranteed 20 years
55	$4.72	$4.71	$4.67	$4.60	$4.50
60	5.23	5.21	5.13	5.00	4.82
65	5.94	5.89	5.73	5.48	5.15
70	6.92	6.81	6.49	6.00	5.43
75	8.35	8.08	7.38	6.48	5.62

First Monthly Payment Amount for Each $1,000* Rates for a Variable Annuity Payment with 5% Assumed Interest Rate
Adjusted Age of Annuitant	Option 2(a): payments for life	Option 2(b): payments guaranteed 5 years	Option 2(b): payments guaranteed 10 years	Option 2(b): payments guaranteed 15 years	Option 2(b): payments guaranteed 20 years
55	$5.63	$5.61	$5.56	$5.47	$5.36
60	6.12	6.09	6.00	5.85	5.65
65	6.82	6.75	6.57	6.30	5.95
70	7.80	7.67	7.30	6.78	6.21
75	9.23	8.93	8.16	7.23	6.38

* Net of any applicable premium tax deduction

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

C-CDA-15(NY-MMI)

Option 3: Life Income for Two Annuitants

First Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity Payment with 3.0% Guaranteed Interest Rate
Adjusted Ages					payments
Primary Annuitant	Secondary Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	guaranteed 10 years Option 3(d)	Option 3(e)	Option 3(f)
55	50	$3.69	$4.05	$4.27	$3.69	$4.03	$3.67
55	60	3.99	4.44	4.71	3.98	4.20	3.94

65	60	4.38	4.97	5.32	4.38	4.93	4.29
65	70	4.93	5.68	6.15	4.91	5.27	4.74

75	70	5.69	6.68	7.32	5.62	6.67	5.29
75	80	6.78	8.11	8.99	6.54	7.36	5.93

First Monthly Payment Amount for Each $1,000* Rates for a Variable Annuity Payment with 3.5% Assumed Interest Rate
Adjusted Ages					payments
Primary Annuitant	Secondary Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	guaranteed 10 years Option 3(d)	Option 3(e)
55	50	$3.97	$4.35	$4.56	$3.97	$4.31
55	60	4.27	4.73	5.00	4.26	4.48

65	60	4.66	5.25	5.61	4.65	5.22
65	70	5.19	5.97	6.44	5.17	5.54

75	70	5.95	6.96	7.61	5.87	6.95
75	80	7.04	8.39	9.29	6.79	7.64

First Monthly Payment Amount for Each $1,000* Rates for a Variable Annuity Payment with 5% Assumed Interest Rate
Adjusted Ages					payments
Primary Annuitant	Secondary Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	guaranteed 10 years Option 3(d)	Option 3(e)
55	50	$4.88	$5.26	$5.48	$4.88	$5.23
55	60	5.15	5.63	5.91	5.14	5.38

65	60	5.52	6.14	6.51	5.51	6.10
65	70	6.04	6.84	7.34	6.00	6.41

75	70	6.77	7.84	8.51	6.68	7.81
75	80	7.86	9.28	10.20	7.57	8.49

* Net of any applicable premium tax deduction

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

C-CDA-15(NY-MMI)

VOYA

Voya Retirement Insurance and Annuity Company

Home Office: [One Orange Way

Windsor, Connecticut 06095-4774

PO Box 990065

Hartford, Connecticut 06199-0065]

[800-525-4225]

Certificate of Group Annuity Coverage

C-CDA-15(NY-MMI)

EX-16 6 ex16a4m1gtcchhxcm15.htm EXHIBIT 16(A)(4)(M1) C-CDA-15(NY-MMI) CONTRACT CERTIFICATE ex16a4m1gtcchhxcm15.htm - Generated by SEC Publisher for SEC Filing

voya

Exhibit 16(a)(4)(m1)

Voya Retirement Insurance and Annuity Company

Home Office: One [Orange Way

Windsor, Connecticut 06095-4774]

[1-800-677-4636]

Herein called the Company

Certificate of Group Annuity Coverage

To the Employee:

The Company certifies that coverage is in force for you under the stated Group Annuity Contract and Certificate numbers. All data shown here is taken from Company records and is based upon information furnished by you.

THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN PARTS III AND IV.

Right to Cancel

You may cancel this Certificate within 10 days of receiving it by returning this Certificate along with a written notice to the Company at the Service Center at the above address or to the agent from whom it was purchased. Within 7 days after it receives the notice of cancellation and this Certificate at its Service Center, the Company will return the entire consideration paid plus any increase or minus any decrease in the cash value of any funds allocated to the Separate Account.

/s/Charles P. Nelson

/s/Jennifer M. Ogren

President

Secretary

Contract Holder

[CONTRACT HOLDER NAME]

Group Annuity Contract No.

[CONTRACT NUMBER]

Your Name

[PARTICIPANT NAME]

Certificate No.

[CERTIFICATE NUMBER]

VARIABLE, FIXED OR COMBINATION ANNUITY CERTIFICATE

NONPARTICIPATING

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CASH VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

GTCC-HH(XC/M)-15

Specifications

Guaranteed

Interest Rate

There are guaranteed interest rates for Purchase Payment(s) held in the Fixed Account (See 1.09) and the GA Account (See 3.04(b)).

Surrender Fee

There will be a charge deducted for early surrender. (See 3.16 and 5.02.)

Deductions from

the Separate

Account

There will be deductions for mortality and expense risks and administrative fees. (See 3.07(e).)

Deduction from

Purchase

Payment(s)

Purchase Payment(s) are subject to a deduction for premium taxes, if any. (See 3.01.)

Market Value

Adjustment (MVA)

Amounts withdrawn from the GA Account may be subject to a Market Value Adjustment. (See 3.04(e).)

Investment

selections made

by Participant

at enrollment

[List of investments initially selected by Participant at enrollment.]

If Variable Annuity payments are not to decrease, the Company must earn a gross return on the assets of the Separate Account of:

5.0% on an annual basis set at the time Annuity payments commence if an Assumed Annual Net Return Rate of 3.5% is chosen; or

6.50% on an annual basis set at the time Annuity payments commence if an Assumed Annual Net Return Rate of 5% is chosen.

NOTHING IN THE GROUP ANNUITY CONTRACT INVALIDATES OR IMPAIRS ANY RIGHT GRANTED TO THE CERTIFICATE HOLDER.

GTCC-HH(XC/M)-15

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS

Page

1.01	Annuitant ................................................................................................................................................	5
1.02	Annuity ...................................................................................................................................................	5
1.03	Asset Rebalancing .................................................................................................................................	5
1.04	Deposit Period .......................................................................................................................................	5
1.05	Employee Pre-Tax Account ....................................................................................................................	5
1.06	Employee Roth Account........................................................................................................................	5
1.07	Employer.................................................................................................................................................	5
1.08	Employer Pre-Tax Account ....................................................................................................................	5
1.09	Fixed Account .........................................................................................................................................	5
1.10	Fixed Annuity ..........................................................................................................................................	6
1.11	Fund(s) ....................................................................................................................................................	6
1.12	General Account .....................................................................................................................................	6
1.13	Guaranteed Accumulation Account (GA Account) ..................................................................................	6
1.14	Guaranteed Term (Term) ........................................................................................................................	6
1.15	Loan Account ..........................................................................................................................................	6
1.16	Loan Effective Date ................................................................................................................................	6
1.17	Loan Interest Rate ..................................................................................................................................	6
1.18	Matured Term Value................................................................................................................................	6
1.19	Maturity Date ...........................................................................................................................................	6
1.20	Nonunitized Separate Account ...............................................................................................................	6
1.21	Participant (You) ...................................................................................................................................	7
1.22	Plan ........................................................................................................................................................	7
1.23	Purchase Payments ...............................................................................................................................	7
1.24	Separate Account ...................................................................................................................................	7
1.25	Valuation Period .....................................................................................................................................	7
1.26	Variable Annuity .....................................................................................................................................	7

II.

GENERAL PROVISIONS

2.01	Change of Contract .................................................................................................................................	7
2.02	Nonparticipating Contract .......................................................................................................................	8
2.03	Payments ................................................................................................................................................	8
2.04	Control of Contract ..................................................................................................................................	8
2.05	Designation of Beneficiary ......................................................................................................................	9
2.06	Misstatements and Adjustments .............................................................................................................	9
2.07	Incontestability ........................................................................................................................................	9
2.08	Grace Period ...........................................................................................................................................	9
2.09	Plan Administration Subsidy ...................................................................................................................	9
2.10	State Laws ............................................................................................................................................	9

GTCC-HH(XC/M)-15

III.

PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS

3.01	Net Purchase Payment(s) ......................................................................................................................	10
3.02	Contribution Limits .................................................................................................................................	10
3.03	Individual Account ................................................................................................................................	10
3.04	Guaranteed Accumulation Account (GA Account) .................................................................................	11
3.05	Maintenance Fee ....................................................................................................................................	13
3.06	Fund(s) Record Units - Separate Account .............................................................................................	13
3.07	Net Return Factor(s) - Separate Account ...............................................................................................	13
3.08	Fund(s) Record Unit Value - Separate Account .....................................................................................	14
3.09	Current Value .........................................................................................................................................	14
3.10	Loans ......................................................................................................................................................	14
3.11	Transfer of Current Value from the Funds or GA Account .....................................................................	16
3.12	Transfer of Current Value from the Fixed Account ................................................................................	16
3.13	Notice to You ..........................................................................................................................................	16
3.14	Sum Payable at Death (Before Annuity Payments Start) ......................................................................	16
3.15	Annuity Payments to Beneficiary ............................................................................................................	18
3.16	Surrender Value .......................................................................................................................................	18
3.17	Payment of Surrender Value ...................................................................................................................	18
3.18	Distribution Options ................................................................................................................................	19
3.19	Withdrawal Restrictions Under the Code ...............................................................................................	20
3.20	Required Distributions .............................................................................................................................	21
3.21	Reinstatement .........................................................................................................................................	21

IV.

ANNUITY PROVISIONS

4.01	Choices to be Made ...............................................................................................................................	21
4.02	Terms of Annuity Options .......................................................................................................................	22
4.03	Death of Annuitant/Beneficiary ............................................................................................................	22
4.04	Variable Fund Transfers .......................................................................................................................	23
4.05	Fund(s) Annuity Units - Separate Account ............................................................................................	23
4.06	Fund(s) Annuity Unit Values - Separate Account ...................................................................................	23
4.07	Annuity Options ......................................................................................................................................	24

V.	FEE SCHEDULE

5.01	Maintenance Fee ....................................................................................................................................	35
5.02	Surrender Fee ........................................................................................................................................	35

GTCC-HH(XC/M)-15

I.	GENERAL DEFINITIONS

1.01

Annuitant:

A person on whose life an Annuity has been effected under the Contract.

1.02

Annuity:

Payment of an income:

(a)

For the life of one or two persons;

(b)

For a stated period; or,

(c)

For some combination of (a) and (b).

1.03

Asset Rebalancing:

A program that allows Participants to have their Individual Account values automatically adjusted on a scheduled basis in order to maintain the desired percentage allocation for each fund in which the Separate Account is invested. If elected, only account values invested in the Separate Account are eligible to be rebalanced. Account values invested in the Guaranteed Accumulation Account and the Fixed Account are not eligible to be rebalanced. Transfers made under this program will not be subject to the annual transfer limits imposed by the Contract. To elect to participate in Asset Rebalancing, Participants should contact the Service Center.

1.04

Deposit Period:

1.05

Employee Pre-Tax Account:

Employee Pre-Tax Account is an individual account credited with employee Net Purchase Payments, specifically employee salary reduction Purchase Payments, if any, and the portion of any transfer or rollover contributions attributable to such amounts.

1.06

Employee Roth Account:

Employee Roth Account is an individual account credited with employee Net Purchase Payments, specifically employee Roth after-tax salary reduction Purchase Payments pursuant to Code Section 402A, if any, and the portion of any transfer or rollover contributions attributable to such amounts.

1.07

Employer:

1.08

Employer Pre-Tax Account:

Employer Pre-Tax Account is an individual account credited with employer Net Purchase Payments, if any, and the portion of any transfer or rollover contributions attributable to such amounts.

1.09

Fixed Account:

An accumulation option with a guaranteed minimum interest rate of 3%. The Company may credit a higher rate which is not guaranteed.

GTCC-HH(XC/M)-15

1.10

Fixed Annuity:

An Annuity with payments which do not vary in amount.

1.11

Fund(s):

The open-end registered management investment companies (mutual funds) made available by the Company under the Contract.

Additional information regarding the Funds is available in each Fund prospectus.

1.12

General Account:

The Account holding the assets of the Company, other than those assets held in the Separate Account.

1.13

Guaranteed Accumulation Account (GA Account):

An accumulation option which guarantees a stipulated rate of interest for a specified period of time. Amounts withdrawn before the end of the Guaranteed Term may be subject to a Market Value Adjustment.

1.14

Guaranteed Term (Term):

1.15

Loan Account:

An accounting device used to keep a record of loan activity. For each loan, an amount equal to the loan amount is transferred from the investment options in which the Individual Account is invested and is credited to the Loan Account.

1.16

Loan Effective Date:

The date on which the Company has received a loan request form and any other required forms in good order at its Service Center.

1.17

Loan Interest Rate:

The Loan Interest Rate will be fixed on the Loan Effective Date and will not be greater than 6% on an annual basis. The Loan Account is credited with interest at a rate which is not less than the Loan Interest Rate, less a maximum of 2.5%, on an annual basis.

1.18

Matured Term Value:

The amount payable on a GA Account Term's Maturity Date.

1.19

Maturity Date:

The last day of a GA Account Term.

1.20

Nonunitized Separate Account:

GTCC-HH(XC/M)-15

1.21

Participant (You):

A person who participates in the Opportunity Plus program. All references to "you" or "your" refer to a Participant.

1.22

Plan:

1.23

Purchase Payments:

Payments made to the Company.

1.24

Separate Account:

Account C buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized are credited or charged to Account C without regard to other income, gains or losses of the Company. The Company owns the assets held in Separate Account C and is not a trustee as to such amounts. Account C generally is not guaranteed and is held at market value. The assets of this account, to the extent of reserves and other contract liabilities of the account, shall not be charged with other Company liabilities.

1.25

Valuation Period (Period):

The period of time from the end of one business day on the New York Stock Exchange to the end of the next business day.

1.26

Variable Annuity:

Any Annuity with payments which vary with the net investment results of Separate Account C.

II.

GENERAL PROVISIONS

2.01

Change of Contract:

Only a Vice President or above of the Company or any officer acting pursuant to a written delegation of authority from such person may change the terms of the Contract. No other employee, agent, or representative of the Company may make any change to the Contract.

The Contract may be changed at any time by written mutual agreement of the Contract Holder and the Company. Where the Company proposes a change to the contract requiring written mutual agreement, if the Contract Holder does not agree to any change under this provision, no new Participants will be covered under the Contract.

The Company may not make any unilateral changes to the contract, except that:

(a)

The Company may change the sections of the Contract specifically enumerated in this Change of Contract section. The Company will notify the Contract Holder in writing at least 30 days before the effective date of any change except as otherwise provided for in this Change of Contract section. Where the Company notifies the Contract Holder of any such unilateral change, the Contract Holder or, as applicable, Participants will be permitted to terminate their participation in the Contract prior to the effective date of the change under the terms of the Contract in effect prior to the unilateral change; and

(b)

The Company may change the Contract at any time as required by federal or state law.

The Company may change the sections of the Contract concerning:

(a)

Net Purchase Payment(s);

(b)

Guaranteed GA Account Interest Rates;

GTCC-HH(XC/M)-15

(c)

Net Return Factor(s) - Separate Account;

(d)

Current Value;

(e)

Surrender Value;

(f)

Fund(s) Annuity Unit Value - Separate Account;

(g)

Maximum transfer fees.

Any such change under these sections will not apply to any individual participating under the Contract before the effective date of the change, but may apply to new Participants covered on or after the date the change is effective.

The Company may change the section concerning GA Account Market Value Adjustment by notifying the Contract Holder in writing at least 90 days before the effective date of any such change. Any changes under this section will become effective for any new Term for any present or future Individual Accounts.

The Company may change the Annuity options and the tables for such options:

(a)

No earlier than 12 months after the Effective Date of the Contract; and

(b)

No earlier than 12 months after the date on which any such prior change was effective.

Any such change to the Annuity options and the tables for such options will not apply to any individual participating under the Contract before the effective date of the change, but will apply to new Participants covered on or after the date any change is effective. Any change will not affect the amount or terms of any Annuity beginning before the change is effective.

2.02

Nonparticipating Contract:

You, your beneficiary or the Contract Holder will not have a right to share in the earnings of the Company.

2.03

Payments:

2.04

Control of Contract:

The Contract is between the Contract Holder and the Company only to satisfy the "purchase" requirements of Section 403(b)(1) of the Internal Revenue Code of 1954, as amended. The Contract Holder has no right, title, or interest in the amounts held under the Contract either by reason of remitting Purchase Payments or applying for the Contract.

The Contract is established under a Plan of the Employer pursuant to Section 403(b) of the Code. The Contract is subject to the terms of the Plan, provided that the terms of the Plan do not expand the terms of the Contract and do not impose any responsibilities or duties on the Company greater than those set forth in the Contract.

GTCC-HH(XC/M)-15

You own all amounts held in your Individual Account. You may make any choices allowed by the Contract for your Individual Account. Choices made under the Contract must be in writing. Until receipt of such choices in the Home Office of the Company, the Company may rely on any previous choices made. The Contract, this Certificate, and your Individual Account shall not be subject to the claims of any creditors. The Contract, this Certificate and your Individual Account are nonassignable, except to the Company in the event of a loan, and nontransferable within the meaning of Code Section 401(g). In the event a loan against an Individual Account is requested, however, the Current Value of your Individual Account necessary to cover the loan amount plus interest must be assigned to the Company. The Contract Holder will inform you as to when and where the Contract may be examined.

Your rights under the Contract are nonforfeitable.

2.05

Designation of Beneficiary:

Each Participant shall name a beneficiary. The beneficiary may be changed at any time.

2.06

Misstatements and Adjustments:

If the Company finds the age of any payee to be misstated, the correct facts will be used to adjust payments. Any underpayment made by the Company will be paid in one sum using an interest rate of 1%. We reserve the right to obtain reimbursement, or to adjust future payments, for any overpayment made by the Company using an interest rate of 1%.

2.07

Incontestability:

The Company cannot cancel the Contract because of any error of fact on the application.

2.08

Grace Period:

The Contract will remain in effect even if Purchase Payments are not continued.

2.09

Plan Administration Subsidy:

The Company and/or its affiliates may provide Plan administration services to the Employer. Such services may be offered at no or reduced cost. Also, the Company may subsidize all or a portion of the Employer's Plan administration expenses by paying certain costs associated with the Employer's Plan administration personnel and/or certain costs associated with a third party administrator engaged by the Employer to administer the Plan in accordance with its terms, the Code and the Treasury Regulations. The Company shall have no obligation to agree to Plan administration subsidy requests, and unless otherwise agreed to in advance by the Company and the Employer, the Company may limit or terminate the subsidy with respect to an Employer's Plan at the Company's sole discretion. Plan administration subsidies will be paid only to the extent requested by the Employer and agreed to by the Company in writing. The Company will determine the availability of a Plan administration subsidy on a basis that is not unfairly discriminatory.

2.10

State Laws:

GTCC-HH(XC/M)-15

III.

PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS

3.01

Net Purchase Payment(s):

The actual Purchase Payment less any state premium tax.

The Net Purchase Payment(s) will be credited among:

(a)

The Fixed Account;

(b)

The Guaranteed Accumulation Account;

(c)

The Fund(s) in which the Separate Account invests.

The Company must be told by you the percentage of the Net Purchase Payment(s) to be applied to each investment above.

During any calendar year, the Company may be told to change the investment mix twelve times. Should the Company allow additional changes, each may be subject to a fee of up to $10.

3.02

Contribution Limits:

Contributions may not exceed the applicable limits under Code Sections 415 and 402(g).

Code Section 403(b) elective deferrals include employee pre-tax contributions and, to the extent permitted by the Plan and the Contract, any employee designated Roth contributions.

Elective deferral contributions made to the Contract and any other plans, contracts or arrangements of the Employer on behalf of the Participant may not exceed the limits of Code Section 402(g). If the Company is notified that a contribution to the Contract has exceeded the limits of Code Section 402(g) or any other applicable Code section, the Company will, upon receipt of appropriate instruction, distribute such contribution plus any earnings or interest and less any losses to the Participant no later than April 15 of the year following the year of the excess contribution or as otherwise permitted under the Code.

Except in the case of a rollover contribution (as permitted by Code Sections 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3), 457(e)(16)) and 402A(e)(1), or as a result of an intra-plan exchange or plan-to-plan transfer described in the Control of Contract section, contributions to the Contract must be made by the Employer. The Employer may not make contributions after the Participant's death, except as permitted under Section 1.403(b)-4(d) of the Treasury Regulations.

For contributions that are considered rollover eligible amounts:

(a)

Where the Code Section 403(b) arrangement is governed by a separate Plan document, then, to the extent allowed by the Plan, this Contract shall accept contributions that are considered rollover eligible amounts in accordance with Code Section 402(c)(4) from an eligible retirement plan described in Code Section 402(c)(8)(B).

(b)

Where the Code Section 403(b) arrangement is not governed by a separate Plan document, this Contract shall accept contributions that are considered rollover eligible amounts in accordance with Code Section 402(c)(4) from an eligible retirement plan described in Code Section 402(c)(8)(B).

3.03

Individual Account:

The Company will maintain Individual Accounts for Participants. The Individual Accounts may be an Employee Pre-Tax Account, an Employee Roth Account and an Employer Pre-Tax Account.

Should a Participant wish to exchange an existing Company tax deferred annuity contract for the Contract, the original enrollment date will be used to calculate the Surrender Fee, if any.

GTCC-HH(XC/M)-15

If the Company agrees to accept under the Contract amounts transferred from a Code Section 403(b)(7) custodial account, such amounts will be subject to the surrender restrictions set forth in Code Section 403(b)(7)(A)(ii).

3.04

Guaranteed Accumulation Account (GA Account):

The GA Account guaranteed stipulated rates of interest for stated periods of time (see Deposit Period in General Definitions section and (a) below). Amounts withdrawn before the end of a Guaranteed Term may be subject to a Market Value Adjustment (MVA) (see (e) below).

(a)

Guaranteed Term Classifications - The grouping of Terms according to their time to maturity. The following are the Classifications:

(1)

Short-Term: Terms of up to and including three years; or

(2)

Long-Term: Terms of greater than three years and up to and including ten years.

(b)

Guaranteed GA Account Interest Rates (Guaranteed Rates) - The Company will declare all interest rate(s) applicable to a specific Term at the start of the Deposit Period for that Term. These rate(s) are guaranteed by the Company for that Deposit Period and the ensuing Term and are not based on the actual investment experience of the underlying assets in the GA Account. The Guaranteed Rates are annual effective yields. The interest is credited daily at a rate that will produce the guaranteed annual effective yield over the period of a year. No annual rate will ever be less than 3%.

(c)

Withdrawals from GA Account - Full or partial surrenders may be requested at any time from the GA Account. However, amounts withdrawn prior to the Maturity Date of a Term to satisfy a surrender request may be subject to an MVA (see (e) below).

Amounts may be transferred at any time subject to Contract specifications (see 3.11 below). Amounts transferred prior to the Maturity Date of a Term are subject to an MVA (see (e) below). Amounts(s) will be removed within the elected Classification starting with the Term still in effect with the oldest Deposit Period.

During the Deposit Period and the 90 days following the close of the Deposit Period, any amounts applied to the GA Account during that Deposit Period may not be withdrawn unless due to:

(1)

A full or partial surrender;

(2)

A payment for an Annuity option; or

(3)

The Sum Payable at Death provision.

GTCC-HH(XC/M)-15

(d)

Maturity Date/Reinvestment - For all GA Account Term(s), the Contract Holder or Participant, as applicable, will be mailed a notice at least 18 calendar days before a Term's Maturity Date. This notice will contain the current Deposit Period's Guaranteed Rate(s), Term(s) and a projected Matured Term Value.

(1)

Any other Term(s) of the GA Account available in the then-current Deposit Period; or

(2)

Any other allowable Fund(s).

If the Contract is issued under a tax deferred annuity Plan, the above notice will be sent to the Participant(s).

(e)

Market Value Adjustment (MVA) - There will be an MVA for a withdrawal from the GA Account before the end of a Term when the withdrawal is due to:

(1)

A transfer;

(2)

A full or partial surrender; or

(3)

A payment for an Annuity option.

The market value adjusted amount will be equal to the amount withdrawn multiplied by the following ratio:

	(1 + i) x/365
	(1 + j) x/365

Where:	i	is the Deposit Period Yield
	j	is the Current Yield
	x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined as follows:

(1)

GTCC-HH(XC/M)-15

(2)

The Current Yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the Deposit Period Yield.

(1)

(2)

The applicable portion of the Current Value in the GA Account.

(f)

Deposits to the GA Account - All amounts in the GA Account under the Short-Term Classification are made to the General Account.

All amounts in the GA Account under the Long-Term Classifications are made to a Nonunitized Separate Account.

For Term(s) under both the Short-Term and Long-Term Classifications. The Company guarantees stipulated interest rates to be credited to the GA Account. All assets of the Company including amounts made to the GA Account are available to meet the guarantees under the GA Account.

3.05

Maintenance Fee:

The Maintenance Fee (see 5.01) will be deducted from the Current Value on each anniversary of your Individual Account effective date and upon surrender of your entire Individual Account.

3.06

Fund(s) Record Units - Separate Account:

The portion of the Net Purchase Payment(s) applied to the Separate Account will determine the number of Fund(s) Record Units. This number is equal to the Net Purchase Payment applied to the Fund divided by the Fund(s) Record Unit Value (see 3.08) for the Valuation Period in which the Purchase Payment is received in good order.

3.07

Net Return Factor(s) - Separate Account:

The Net Return Factors are used to compute all Separate Account values and payments for any Fund.

The Net Return Factor for each Fund is equal to 1.0000000 plus the Net Return Rate.

The Net Return Rate is equal to:

(a)

The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus

(b)

The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c)

Taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d)

The total value of the Fund Record Units and Fund Annuity Units of the Separate Account (see 3.06 and 4.05) at the start of the Valuation Period; minus

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(e)

A daily actuarial charge at an annual rate which will not exceed 1.25% during the accumulation period and which will equal 1.25% during the Annuity period for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed .25% on an annual basis.

A Net Return Rate may be more or less than 0.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

The administrative charge may be changed annually except for amounts which have been used to purchase an Annuity. This charge will not exceed .25%.

3.08

Fund(s) Record Unit Value - Separate Account:

A Fund(s) Record Unit Value is computed by multiplying the Net Return Factor for the current Valuation Period by the Fund(s) Record Unit Value for the previous Period. The dollar value of a Fund(s) Record Units, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.

3.09

Current Value:

The Current Value is the value of your Individual Account at the end of a Valuation Period and is equal to:

(a)

Any amounts in the Fixed Account, including Fixed Account interest added by the Company; plus

(b)

Any amounts in the GA Account, including GA Account interest added by the Company; plus

(c)

The sum of any Separate Account Record Unit value(s); less

(d)

Any Maintenance Fee(s) due.

Current Value does not include amounts used to purchase an Annuity.

3.10

Loans:

During the accumulation phase, loans are granted (1) as permitted under applicable law; (2) subject to our standard terms and conditions; (3) in accordance with the provisions of this section; (4) subject to the requirements of the Code; and (5) the Company's procedures and limitations in effect at the time the loan is requested or otherwise imposed by the Company.

(a)

Amount available for loan: The amount available for loan is limited to the vested Individual Account Current Value attributable to Participant contributions subject to any Plan vesting limits as determined by the Contract Holder, plus any additional amounts allowed by the Plan as determined by the Contract Holder. Amounts available from some investment options may be subject to limitations as determined by our standard terms and conditions. To obtain the requested loan amount, these limitations may require a transfer of funds from certain investment options. A Market Value Adjustment may apply to amounts transferred from the Guaranteed Accumulation Account.

The minimum loan amount is $1,000 for non-residential loans and $2,500 for residential loans. The maximum loan amount is the lesser of:

(1)

Fifty percent (50%) of the vested Individual Account Current Value, including the amount, if any in (a) the Loan Account; and (b) if applicable, an Internal Revenue Code Section 403(b)(7) custodial account administered by the Company; reduced by the amount of any outstanding loan balance on the Loan Effective Date; or

(2)

Fifty thousand dollars ($50,000) reduced by the highest outstanding balance of loans for the preceding 12 months.

The total amount of all outstanding loans cannot exceed $50,000.

The Company reserves the right not to grant a loan request if the Participant has an outstanding loan in default.

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A loan is not available from the Employee Roth Account. The Employee Roth Account is excluded from the vested Individual Account Current Value for purposes of determining the amount available for loan. The amount available for a full or partial withdrawal from an Employee Roth Account will not be reduced by any outstanding loan balance. In the event of a loan default, no amount of the outstanding loan balance will be deducted from the Employee Roth Account.

(b)

Loan Repayment: A loan may be repaid in full at any time or as permitted under our standard terms and conditions. Notwithstanding any contrary language in loan agreements, loan repayments from Participants who also participate in an Internal Revenue Code 403(b)(7) custodial account administered by the Company will be allocated among the Participant's current investment options in effect when the loan payment is received, in the same manner as loan repayments from Participants who do not participate in such an account.

(c)

Partial Withdrawal(s) While A Loan Is Outstanding: The amount available for partial withdrawal while a loan is outstanding is equal to the vested Individual Account Current Value, including the Loan Account, minus 110% of the outstanding loan balance.

(d)

Full Withdrawal While A Loan Is Outstanding: When a full withdrawal is requested while a loan is outstanding, one of the following occurs:

(1)

If the vested Individual Account Current Value available for distribution is sufficient to repay (a) the outstanding loan balance plus (b) any applicable Surrender Fee due on the outstanding loan balance, that amount (the total of (a) and (b)) minus the Loan Account balance, is deducted from the vested Individual Account Current Value and the loan is canceled. The outstanding loan balance, if not previously reported, will be reported to the Internal Revenue Service as a distribution.

(2)

If the vested Individual Account Current Value available for distribution is not sufficient to repay (a) the outstanding loan balance plus (b) any applicable Surrender Fee due on the outstanding loan balance, the withdrawal amount cannot exceed the vested Individual Account Current Value, including the Loan Account, minus 110% of the outstanding loan balance and a full withdrawal cannot be made until the loan is repaid in full.

(e)

Electing An Annuity Option While a Loan Is Outstanding: Before all or any portion of the vested Individual Account Current Value is used to purchase Annuity payments, the Participant may repay any outstanding loan balance, or the vested Individual Account Current Value is adjusted to cancel the loan as described in "Full Withdrawal While A Loan Is Outstanding" above.

(f)

Death Of The Participant While A Loan Is Outstanding: If a death benefit claim is submitted for an Individual Account with an outstanding loan, the vested Individual Account Current Value, including the amount of the Loan Account, is reduced by the amount of the outstanding loan balance before the death benefit amount is determined.

(g)

Loan Default: If the Company does not receive a loan payment at its Service Center before the end of the grace period (the last day of the quarter following the quarter in which the due date occurred), the entire outstanding loan balance will be in default and will be reported to the IRS on IRS Form 1099-R for the year that the default occurred and will be treated as follows:

(1)

If the amount of the vested Individual Account Current Value available for distribution is sufficient to repay (a) the outstanding loan balance plus (b) any applicable Surrender Fee due on the outstanding loan balance, that amount is deducted from the vested Individual Account Current Value; or

(2)

If the amount of the vested Individual Account Current Value available for distribution is not sufficient to repay (a) the outstanding loan balance plus (b) any applicable Surrender Fee due on the outstanding loan balance, the Loan Account will continue to earn interest, and interest will continue to be charged on the defaulted amount until it is repaid in its entirety or until there is a sufficient amount in the Individual Account to repay the total amount due in (a) and (b) above. This will generally be when the Participant reaches age 59 1/2 or separates from service.

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3.11

Transfer of Current Value from the Funds or GA Account:

Before an Annuity option is elected, all or any portion of the Current Value may be transferred from any Fund(s) and/or GA Account to:

(a)

Any other allowable Fund;

(b)

To the Fixed Account; or

(c)

Term(s) of the GA Account available in the then-current Deposit Period.

Amounts in a specific GA Account Term cannot be transferred to the Deposit Period of another Term within the same Classification except at the Term's maturity (see 3.04(d)).

Amounts applied to Classifications of the GA Account may not be transferred to the Fund(s) and/or to the Fixed Account during the Deposit Period or for 90 days after the close of the Deposit Period.

Transfers from Term(s) of the GA Account are subject to the withdrawal and MVA provisions (see 3.04(c) and (e)).

Twelve transfers of the Current Value can be made during a calendar year period. The transfer of any portion of the GA Account value at the Maturity Date of a Term is not counted for this purpose. The Company may allow additional transfers, but each may be subject to a fee of up to $10.

3.12

Transfer of Current Value from the Fixed Account:

Before an Annuity option is elected, 10% of the Current Value held in the Fixed Account may be transferred to any Fund(s). Such transfer will be:

(a)

Without charge; and

(b)

Allowed once per calendar year.

The Company may, on a temporary basis, allow any larger percent to be transferred.

The Current Value of the Fixed Account, as used above, is the value when the request is received at the Home Office of the Company.

3.13

Notice to You:

The Company will notify you each year of:

(a)

The value of any amounts held in:

(1)

The Fixed Account;

(2)

The GA Account;

(3)

The Fund(s) for the Separate Account;

(b)

The number of any Fund(s) Record Units;

(c)

The Fund(s) Record Unit Value(s); and

(d)

The Surrender Value of these amounts.

Such number or values will be as of a date no more than 60 days before the date of the notice.

3.14

Sum Payable at Death (Before Annuity Payments Start):

For purposes of this section only, partial surrenders are defined as any amounts surrendered, including any loans taken, any amounts surrendered to satisfy any outstanding interest due associated with a defaulted loan, and any amounts applied to an income phase payment option.

(a)

The Company will pay any portion of the Individual Account(s) Current Value to the beneficiary when:

(1)

The Participant dies before Annuity payments start; and

(2)

The certified copy of the death certificate and a completed and signed election form is received in good order at the Service Center.

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(b)

For each Individual Account, the death benefit is guaranteed to be the greater of (1) or (2) below, calculated as of the close of the New York Stock Exchange on the date the certified copy of the death certificate and a completed and signed election form is received in good order at the Service Center:

(1)

The Adjusted Net Purchase Payment Total, which is the sum of all Net Purchase Payment(s) to the Individual Account, adjusted for partial surrender amount(s) (this amount will never be less than zero); or

(2)

The Individual Account Current Value, excluding the Loan Account, plus a Market Value Adjustment (MVA) as specified in 3.04.

(c)

For Individual Accounts, the Adjusted Net Purchase Payment Total in (b)(1) is initially equal to the first Net Purchase Payment. The Adjusted Net Purchase Payment Total is then adjusted upon each subsequent Net Purchase Payment, loan repayment, or partial surrender. The adjustment for subsequent Net Purchase Payments and loan repayments made will be dollar for dollar. The adjustment for partial surrender amounts will be proportionate, reducing the Adjusted Net Purchase Payment Total in the same proportion that the Individual Account Current Value, excluding the Loan Account, was reduced on the date of the partial surrender. The proportionate adjustment on the Adjusted Net Purchase Payment Total for each partial surrender is defined as the Adjusted Net Purchase Payment Total at the time multiplied by the fraction A divided by B (A/B), where:

A is the Individual Account Current Value, excluding the Loan Account, immediately after a partial surrender; and

B is the Individual Account Current Value, excluding the Loan Account, immediately before a partial surrender.

(d)

If the amount of the death benefit in (b)(1) is greater than the amount in (b)(2), the Company will deposit the difference to the Individual Account. The amount, if any, will be deposited as of the business day following the date the certified copy of the death certificate and a completed and signed election form is received in good order at the Service Center. If the beneficiary in that situation requests an immediate surrender or annuitization of the account, the amount paid will be the Individual Account Current Value excluding the Loan Account, on the next business day following the date of deposit of the difference to the Individual Account.

If the amount of the death benefit in (b)(1) is less than the amount in (b)(2) and the beneficiary requests an immediate surrender or annuitization of the account, the amount paid will be the Individual Account Current Value excluding the Loan Account on the next business day following the business day the notice of death and the request for payment are received in good order at the Service Center.

A beneficiary may alternatively elect to defer distribution of the Individual Account Current Value as permitted by the Code. In that situation, the amount paid to the beneficiary upon the actual date of surrender or annuitization will equal the Individual Account Current Value, excluding the Loan Account, on the date the payment request is processed, and the amount paid may be more or less than the amount of the death benefit determined in (b) above when the notice of death and election of the payment method was received. No additional death benefit is payable upon the beneficiary's death.

If the Participant dies before distributions begin in accordance with the provisions of Code Section 401(a)(9), the entire value of the Individual Account must be distributed by December 31 of the calendar year containing the fifth anniversary of the date of the Participant's death. Alternatively, if the Participant has a designated beneficiary, payments may be made over the life of the beneficiary or over a period not extending beyond the life expectancy of the beneficiary provided distribution to a non-spouse beneficiary begins by December 31 of the calendar year following the calendar year of the Participant's death. If the beneficiary is the Participant's spouse, the distribution is not required to begin earlier than December 31 of the calendar year in which the Participant would have attained age 70 1/2, or such later date as may be allowed under Federal law or regulations.

If the Participant dies after distributions begin in accordance with the provisions of Code Section 401(a)(9), payments to the beneficiary must be made at least as rapidly as the method of distribution in effect at the time of the Participant's death or such other method of distribution as may be allowed under Federal law or regulations.

If no beneficiary exists, the payment will be made to the Participant's estate.

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3.15

Annuity Payments to Beneficiary:

In no event may any payments to the beneficiary under an Annuity option extend beyond:

(a)

The life of the beneficiary; or

(b)

Any certain period greater than the beneficiary's life expectancy.

3.16

Surrender Value:

The Surrender Value is the amount payable by the Company upon the surrender of any portion of your Individual Account and is equal to the Current Value surrendered reduced by the Maintenance Fee (if any) and the Surrender Fee as provided in 5.02.

For a Plan that is subject to the Retirement Equity Act of 1984, the Company may defer payment of the Surrender Value until appropriate waiver and spousal consent forms are received.

The amount payable by the Company upon the total surrender of an Individual Account with a loan(s) outstanding shall be reduced by accrued interest and if applicable, a deferred sales charge on the loan amount.

The amount surrendered of any portion or all of an Employee Roth Account Current Value will be excluded from income if it is a qualified distribution which means:

(a)

the surrender occurs after the 5-taxable year period measured from the earlier of:

(1)

the first taxable year the Participant made a designated Roth contribution to any designated Roth account established for the Participant under the same applicable retirement plan as defined in Code Section 402A, or

(2)

(b)

the surrender occurs due to a death benefit distribution to a beneficiary, disability as defined by the Code, or after attainment of age 59 1/2.

The Participant or beneficiary must notify the Company in writing when a lump sum payment is to be made or Annuity payments are to commence.

The Participant may surrender any portion or all of an Individual Account Current Value and transfer such amount to another investment provider under the Plan or roll over such amount that qualifies as an eligible rollover distribution in accordance with Code Sections 403(b)(8), 401(a)(31) and 402(c) and applicable regulations.

A Participant or the surviving spousal beneficiary of a deceased Participant (or a Participant's spouse or former spouse who is an alternate payee under a domestic relations order, as defined in Section 414(p) of the Code) who is entitled to an eligible rollover distribution may elect to have any portion of an eligible rollover distribution (as defined in Section 402(c)(4) of the Code) from the Plan paid directly to an eligible retirement plan (as defined in Section 402(c)(8)(B) of the Code) or paid directly to a Roth individual retirement annuity or a Roth individual retirement account as a qualified rollover contribution (as defined in Section 408A(e) of the Code), as specified by the Participant, beneficiary or spouse in a direct rollover. A distribution to a beneficiary who at the time of the Participant's death was neither the spouse of the Participant nor the spouse or former spouse of the Participant who is an alternate payee under a qualified domestic relations order may elect to have any portion of an eligible rollover distribution directly rolled over only to an individual retirement account or individual retirement annuity (IRA) that has been established on behalf of the beneficiary as an inherited IRA (within the meaning of Section 408(d)(3)(C) of the Code), to the extent permitted under the Plan.

3.17

Payment of Surrender Value:

Under certain emergency conditions, the Company may defer payment:

(a)

For a period of up to 6 months (unless not allowed by state law); and

(b)

As provided by federal law.

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3.18

Distribution Options:

Systematic Distribution Options (SDO's)

During the accumulation period, the following distribution options are available: the Systematic Withdrawal Option (SWO) or the Estate Conservation Option (ECO). Under these options, Participants may request regularly scheduled, automatic, partial distributions of their Individual Account Current Value.

Withdrawals from the Individual Account Current Value for an SDO are taken proportionately from each investment option in which the account is invested or as otherwise allowed. No Surrender Fee applies to amounts distributed under a systematic distribution option. An MVA may apply to amounts withdrawn from the GA Account.

To request SWO or ECO, the Participant or beneficiary, as applicable, must complete an election form and forward it to the Service Center. A minimum Individual Account Current Value may be required to elect an SDO. If SWO or ECO is revoked, the Participant or beneficiary may not subsequently elect that option again, nor may the Participant or beneficiary elect another systematic distribution option unless permitted under the Code minimum distribution rules.

The availability of any specific option will be subject to terms and conditions applicable to that option. Availability is also determined by the Plan. The Company reserves the right to discontinue the availability of an SDO option for future election. Payments will, however, continue to Participants who elected the option before the date it is no longer available.

Systematic Withdrawal Option (SWO)

Under SWO, a portion of the Individual Account value is automatically withdrawn and paid to the Participant. Eligibility for SWO will be subject to the terms and conditions of the Company. SWO is not available when a loan is in effect.

The Participant or beneficiary, as applicable, may elect one of the following payment methods:

(a)

Payment of a specified dollar amount annually - The amount distributed may not be more than 20% of the Individual Account Current Value as of the date SWO is elected. The specified amount will be paid unless a larger amount is required under the Code's minimum distribution rules.

(b)

Payment over a specified period - Payments must be over a period of at least five years unless a different period is required under the Code's minimum distribution rules. The maximum period allowed is determined by the life expectancy factor. The amount paid each year is the Individual Account Current Value as of December 31 of the prior year divided by the remaining number of payment years.

If amounts are withdrawn from the GA Account, an MVA (see the section entitled Guaranteed Accumulation Account (GA Account) in Part III) will apply to amounts withdrawn under SWO.

Estate Conservation Option (ECO)

Under ECO, a portion of the Individual Account Current Value is automatically withdrawn and paid to the Participant. The earliest date ECO payments may begin is the first day of the calendar year in which the Participant attains age 70 1/2.

When ECO is in effect, the Company will calculate and distribute an amount equal to the minimum distribution required under the Code. Generally, the amount distributed is equal to the Individual Account Current Value as of December 31 of the year prior to the payment year divided by a single or joint life expectancy factor.

If amounts are withdrawn from the GA Account, no MVA applies to amounts withdrawn under ECO.

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3.19

Withdrawal Restrictions Under the Code:

(a)

(b)

Restricted Elective Deferrals. Restricted Elective Deferrals means (1) with respect to a Section 403(b) annuity contract, elective deferral contributions made after December 31, 1988, pursuant to a salary reduction agreement, and the earnings on such contributions and on amounts held as of December 31, 1988; and (2) with respect to amounts held under a Section 403(b)(7) custodial account that are contributed to this Contract pursuant to an intra-plan exchange or plan-to-plan transfer described in the Control of Contract section, elective deferral contributions made pursuant to a salary reduction agreement and the earnings on such contributions. Unless otherwise indicated, Restricted Elective Deferrals include employee designated Roth contributions within the meaning of Code Section 402A(c)(1). Withdrawals and other distributions attributable to Restricted Elective Deferrals shall not be paid from the Contract unless the Participant has (1) reached age 59 1/2, (2) had a severance from employment, (3) died, (4) become disabled (within the meaning of Code Section 72(m)(7)), or (5) incurred a hardship (in which case such amounts shall be limited to actual salary deferral contributions, excluding earnings thereon).

(c)

(d)

(e)

(f)

(g)

Exceptions.

(1)

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(2)

(3)

3.20

Required Distributions:

Distributions from the Contract must be made in accordance with the required minimum distribution rules of Code Sections 403(b)(10) and 401(a)(9) and may be taken in the form of an Annuity option or other method permitted by the Contract and the Plan. Distributions from and benefits under the Contract also must satisfy the requirements relating to incidental benefits under Section 1.401-1(b)(1)(ii) of the Treasury Regulations. All such rules are incorporated herein by reference.

3.21

Reinstatement:

Within 30 days after a full surrender, you may elect to reinstate all or a portion of the proceeds of a full surrender if allowed by applicable law. The Company must receive reinstated amounts within 60 days of the surrender.

Any Maintenance Fee and Surrender Fee charged at the time of surrender on the amount being reinvested will be included in the reinstatement. Any Market Value Adjustment deducted from GA Account surrenders will not be included in the reinstatement. Amounts will be reinstated among the Fixed Account, GA Account, and Separate Account in the same proportion as they were at the time of surrender. Any amounts reinstated to the GA Account will be credited to the current Deposit Period. The number of Record Units reinstated will be credited to the current Deposit Period. The number of Record Units reinstated will be based on the Record Unit Value(s) next computed after receipt at the Service Center of the reinstatement request and the amount to be reinvested.

Reinstatement is permitted only once.

IV.

ANNUITY PROVISIONS

4.01

Choices to be Made:

An Annuity option may be elected by telling the Company to pay all or any portion of the Current Value (minus any premium tax) as a premium for an Annuity under Option 2, 3, or 4 (see 4.07). The Participant or beneficiary, as applicable, may elect an Annuity option by properly completing an election form and forwarding it to the Service Center no later than 30 calendar days before the desired first Annuity payment date. All Annuity option elections must comply with any regulatory requirements including the Code minimum distribution requirements.

The present value of the expected payments to the Annuitant when payments start shall be determined in accordance with the tables under Code Section 401(a)(9) regulations in order to comply with the incidental death benefit test. This restriction does not apply if Option 4(e) is chosen and the second Annuitant is the spouse of the Annuitant.

Payment Commencement Date - Generally, the first Annuity payment must be made no later than the April 1 of the calendar year following the year in which the Participant turns age 70 1/2 or such later date as may be allowed under Federal law or regulations. In no event may any payments to the Annuitant under an Annuity option extend beyond:

(a)

The life of the Annuitant;

(b)

The lives of the Annuitant and beneficiary;

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(c)

A period certain greater than the Annuitant's life expectancy according to regulations under Code Section 401(a)(9), determined as of the date payments are to commence, or

(d)

A period certain greater than the life expectancies of the Annuitant and beneficiary according to regulations under Code Section 401(a)(9), determined as of the date payments are to begin.

For distributions taken in a lump sum, see Surrender Value.

For a Plan that is subject to the Retirement Equity Act of 1984, any election of an Annuity option other than Option 4 must be accompanied by the appropriate waiver and spousal consent forms.

When an option is chosen, the Company must also be told if payments are to be made other than monthly and to pay:

(a)

A Fixed Annuity using the General Account; or

(b)

A Variable Annuity using any of the Fund(s) made available by the Company for Annuity purposes; or

(c)

A combination of (a) and (b).

If a Fixed Annuity is chosen, the Company will add interest daily at an annual rate no less than 3.5%. The Company may add interest daily at any higher rate.

If a Variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, the Company will use an Assumed Annual Net Return Rate of 3.5%.

With the exception of Option 2 on a variable basis, once elected, an Annuity Option may not be revoked.

4.02

Terms of Annuity Options:

(a)

When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

(b)

The present value of the expected payments to the Annuitant when payments start shall be more than 50% of the present value of the total expected payments to be made; this restriction does not apply if Option 4 is chosen and the second Annuitant is the spouse of the Annuitant.

(c)

An Annuity Option may not be chosen if the first payment would be less than $20 or if the total payments in a year would be less than $100.

(d)

If a Fixed Annuity under Option 2, 3 or 4 is chosen and a larger payment would result from applying the Surrender Value to a current Company single premium immediate annuity, the Company will make the larger payment.

(e)

Age, where used in the following tables, means age on the birthday closest to the date of the first payment.

The Annuity rates for Options 3 and 4 are based on mortality from 1983 Table 2. The Annuity rates do not differ by sex. A more complete description of the rates has been filed with the office of the New York Department of Insurance.

(f)

(g)

If the Current Value of your Individual Account is less than $2,000 or the amount of Annuity payment would be less than $20 per month, the Company may pay the Current Value in a lump sum. There will be no reduction for a Surrender Fee or Market Value Adjustment. Such Current Value paid may not be reinstated.

4.03

Death of Annuitant/Beneficiary:

When an Annuitant dies under Options 2 and 3, the present value of any remaining guaranteed payments will be paid in one sum to the beneficiary or upon election by the beneficiary, any remaining payments will continue to the beneficiary. If no beneficiary exists, the present value of any remaining guaranteed payments will be paid in one sum to the estate of the Annuitant.

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In no event may any payments to the beneficiary under an Annuity Option extend beyond:

(a)

The life of the beneficiary, determined as of the date payments are to commence; or

(b)

Any certain period greater than the beneficiary's life expectancy determined as of the date payments are to commence.

The interest rate used to determine the first payment will be used to calculate the present value.

4.04

Variable Fund Transfers:

When a Variable Annuity is elected, the Participant or beneficiary, as applicable, may request the Company to transfer all or any portion of the amount allocated to a Fund to any other available Fund. Transfer requests must be expressed as a percentage of the allocation among the Funds on which the variable payment is based. Twelve transfers are allowed each calendar year. The Company reserves the right to allow additional transfers.

4.05

Fund(s) Annuity Units - Separate Account:

The number of Fund(s) Annuity Units is based on the amount of the first Variable Annuity payment which is equal to:

(a)

The portion of the Current Value (minus any premium tax) applied to pay a Variable Annuity; divided by

(b)

1,000; multiplied by

(c)

The payment rate for the Option chosen.

Such amount, or portion, of the variable payment will be divided by the appropriate Fund(s) Annuity Unit Value (see 4.06) on the tenth Valuation Period before the due date of the first payment to determine the number of each Fund(s) Annuity Units. The number of each Fund(s) Annuity Units remains fixed. Each future payment is equal to the sum of the products of each Fund(s) Annuity Unit Value multiplied by the appropriate number of Units. The Fund(s) Annuity Unit Value on the tenth Valuation Period prior to the due date of the payment is used.

4.06

Fund(s) Annuity Unit Value - Separate Account:

For any Valuation Period a Fund(s) Annuity Unit Value is equal to:

(a)

The Value for the previous Period; multiplied by

(b)

The Net Return Factor(s) (see 3.07) for the Period; multiplied by

(c)

A factor to reflect the Assumed Annual Net Return Rate.

The factor for 3.5% per year is .9999058; for 5% per year it is ..9998663.

The dollar value of a Fund(s) Annuity Unit Values and payments may go up or down due to investment gain or loss.

If Variable Annuity payments are not to decrease, the Company must earn a gross return on the assets of the Separate Account of:

5.0% on an annual basis plus an annual return of up to .25% needed to offset the administrative charge set at the time Annuity payments commence if an Assumed Annual Net Return Rate of 3.5% is chosen; or

6.50% on an annual basis plus an annual return of up to .25% needed to offset the administrative charge set at the time Annuity payments commence if an Assumed Annual Net Return Rate of 5% is chosen.

Payments shall not be changed due to changes in the mortality or expense results or administrative charges.

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4.07

Annuity Options:

Option 1 - Payment of Interest on Sum Left with the Company

This option may be used only by your beneficiary if you die before the Company has started paying an Annuity. A portion or all of the sum paid upon your death may be held under this option and will be held in the General Account of the Company at interest (see 4.01). Your beneficiary may later tell the Company to:

(a)

Pay a portion or all of the sum held by the Company; or

(b)

Apply a portion or all of the sum held by the Company to any Annuity option below.

Option 2 - Payments for a Stated Period of Time

This option provides payments for a stated period. The number of years must be at least three (3) and not more than thirty (30) and the Annuity may be a Fixed or Variable Annuity or a combination.

If payments for this option are under a Variable Annuity, the present value of any remaining payments may be withdrawn at any time. If a withdrawal is requested within three years of the first payment, the lump-sum payment is treated as a withdrawal during the accumulation period and any applicable Surrender Fee will apply (see 5.02).

If the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may be elected at the time the Annuity option is chosen (if permitted by the Code).

Option 3 - Life Income for One Annuitant

This option provides payments for the life of the Annuitant. If this option is elected, the Participant or beneficiary, as applicable, must also choose one of the following:

(a)

Payments cease at the death of the Annuitant; or

(b)

Payments are guaranteed for a period of at least five (5) and not more than thirty (30) years; or

(c)

Fixed-only cash refund: At the death of the Annuitant, the beneficiary receives a lump-sum payment in an amount equal to the amount applied to the Annuity (less any applicable premium tax), minus the amount of payments made to the Annuitant.

Option 4 - Life Income for Two Annuitants

This option provides payments for the lives of the Annuitant and a second Annuitant. Payments continue until both Annuitants have died. If this option is elected, the Participant or beneficiary as applicable, must also choose one of the following:

(a)

100% of the payment amount to continue after the first death; or

(b)

66 2/3% of the payment amount to continue after the first death; or

(c)

50% of the payment amount to continue after the first death; or

(d)

100% of the payment amount to continue after the first death with payments guaranteed to the beneficiary after the second death for a period of at least five (5) and no more than thirty (30) years; or

(e)

100% of the payment amount to continue at the death of the specified second Annuitant and 50% of the payment amount to continue at the death of the specified Annuitant; or

(f)

100% of the fixed-only payment amount to continue after the first death with a cash refund to the Contract beneficiary after the second death. The amount of the cash refund is equal to the amount applied to the Annuity (less any applicable premium tax), minus the amount of payments made.

Other Options

As allowed under applicable state law, the Company reserves the right to make other options available.

GTCC-HH(XC/M)-15

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Years of Payments

Amount of Payments

Years of Payments

Amount of Payments

Years of Payments

Amount of Payments

$29.19

22.27

18.12

15.35

13.38

11.90

10.75

9.83

9.09

8.46

$7.94

7.49

7.10

6.76

6.47

6.20

5.97

5.75

5.56

$5.39

5.27

5.09

4.96

4.84

4.73

4.63

4.53

4.45

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Years of Payments

Amount of Payments

Years of Payments

Amount of Payments

Years of Payments

Amount of Payments

$29.80

22.89

18.74

15.99

14.02

12.56

11.42

10.51

9.77

9.16

$8.64

8.20

7.82

7.49

7.20

6.94

6.71

6.51

6.33

$6.17

6.02

5.88

5.76

5.65

5.54

5.45

5.36

5.28

GTCC-HH (XC/M)-15

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

Adjusted

Age of

Annuitant

None

120

180

240

$ 4.34

4.41

4.48

4.56

4.64

4.72

4.81

4.91

5.01

5.12

5.23

5.36

5.49

5.63

5.78

5.94

6.11

6.29

6.49

6.70

6.92

7.17

7.43

7.71

8.02

8.35

$ 4.34

4.40

4.47

4.55

4.63

4.71

4.80

4.89

4.99

5.10

5.21

5.33

5.45

5.59

5.73

5.89

6.05

6.22

6.41

6.60

6.81

7.04

7.27

7.53

7.80

8.08

$ 4.31

4.38

4.45

4.52

4.59

4.67

4.75

4.84

4.93

5.03

5.13

5.24

5.35

5.47

5.60

5.73

5.87

6.02

6.17

6.33

6.49

6.66

6.84

7.02

7.20

7.38

$ 4.27

4.33

4.40

4.46

4.53

4.60

4.67

4.75

4.83

4.92

5.00

5.09

5.19

5.28

5.38

5.48

5.58

5.69

5.79

5.90

6.00

6.10

6.20

6.30

6.39

6.48

$ 4.22

4.27

4.32

4.38

4.44

4.50

4.56

4.62

4.69

4.75

4.82

4.88

4.95

5.02

5.08

5.15

5.21

5.27

5.33

5.38

5.43

5.48

5.52

5.55

5.59

5.62

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HH (XC/M)-15

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

Adjusted

Age of

Annuitant

None

120

180

240

$ 5.26

5.33

5.40

5.47

5.54

5.63

5.71

5.80

5.90

6.01

6.12

6.24

6.37

6.51

6.66

6.82

6.99

7.17

7.36

7.57

7.80

8.05

8.31

8.59

8.90

9.23

$ 5.25

5.32

5.38

5.45

5.53

5.61

5.69

5.78

5.88

5.98

6.09

6.21

6.33

6.46

6.60

6.75

6.91

7.08

7.27

7.46

7.67

7.89

8.13

8.38

8.64

8.93

$ 5.22

5.28

5.34

5.41

5.48

5.56

5.63

5.72

5.81

5.90

6.00

6.10

6.21

6.33

6.45

6.57

6.71

6.85

6.99

7.15

7.30

7.47

7.64

7.81

7.99

8.16

$ 5.17

5.23

5.29

5.35

5.41

5.47

5.54

5.61

5.69

5.77

5.85

5.93

6.02

6.11

6.22

6.30

6.39

6.49

6.59

6.69

6.78

6.88

6.97

7.06

7.15

7.23

$ 5.11

5.15

5.20

5.26

5.31

5.36

5.42

5.47

5.53

5.59

5.65

5.71

5.77

5.83

5.89

5.95

6.01

6.06

6.12

6.17

6.21

6.25

6.29

6.33

6.36

6.38

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above tables.

GTCC-HH (XC/M)-15

OPTION 3

Life Income

Fixed Only Cash Refund

Amount of Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Age of

Annuitant

Monthly

Payment

Age of

Annuitant

Monthly

Payment

$ 4.19

4.25

4.31

4.37

4.43

4.50

4.57

4.64

4.72

4.80

4.88

4.97

5.07

$ 5.17

5.27

5.38

5.50

5.62

5.75

5.89

6.03

6.18

6.34

6.51

6.69

6.87

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above table.

GTCC-HH(XC/M)-15

OPTION 4

Life Income for Two Payees

Joint and Last Survivor Annuity

100% to the Survivor

No Minimum Period

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of Annuitant

$3.69

3.75

3.81

3.84

3.87

3.90

3.91

3.92

$3.75

3.89

3.97

4.04

4.09

4.13

4.15

4.17

4.18

$3.81

3.97

4.16

4.27

4.35

4.42

4.47

4.50

4.51

$3.84

4.04

4.27

4.51

4.66

4.78

4.86

4.92

4.95

$3.87

4.09

4.35

4.66

4.99

5.19

5.35

5.46

5.53

$3.90

4.13

4.42

4.78

5.19

5.67

5.95

6.17

6.31

$3.91

4.15

4.47

4.86

5.35

5.95

6.64

7.04

7.34

$3.92

4.17

4.50

4.92

5.46

6.17

7.04

8.04

8.63

$3.92

4.18

4.51

4.95

5.53

6.31

7.34

8.63

10.05

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of Annuitant

$4.63

4.68

4.73

4.77

4.80

4.82

4.84

4.85

4.86

$4.68

4.80

4.88

4.95

5.00

5.04

5.06

5.08

5.10

$4.73

4.88

5.04

5.15

5.24

5.30

5.35

5.39

5.41

$4.77

4.95

5.15

5.37

5.52

5.63

5.72

5.79

5.83

$4.80

5.00

5.24

5.52

5.83

6.04

6.20

6.31

6.39

$4.82

5.04

5.30

5.63

6.04

6.49

6.77

6.99

7.15

$4.84

5.06

5.35

5.72

6.20

6.77

7.45

7.86

8.16

$4.85

5.08

5.39

5.79

6.31

6.99

7.86

8.84

9.43

$4.86

5.10

5.41

5.83

6.39

7.15

8.16

9.43

10.86

GTCC-HH (XC/M)-15

OPTION 4

Life Income for Two Payees

Joint and Last Survivor Annuity

66 2/3% to the Survivor

No Minimum Period

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of Annuitant

$3.94

4.05

4.18

4.32

4.48

4.66

4.84

5.02

5.19

$4.05

4.20

4.35

4.51

4.69

4.89

5.09

5.30

5.49

$4.18

4.35

4.54

4.73

4.95

5.18

5.42

5.65

5.87

$4.32

4.51

4.73

4.99

5.25

5.53

5.82

6.11

6.37

$4.48

4.69

4.95

5.25

5.61

5.97

6.33

6.69

7.02

$4.66

4.89

5.18

5.53

5.97

6.49

6.96

7.43

7.88

$4.84

5.09

5.42

5.82

6.33

6.96

7.73

8.39

9.02

$5.02

5.30

5.65

6.11

6.69

7.43

8.39

9.54

10.46

$5.19

5.49

5.87

6.37

7.02

7.88

9.02

10.46

12.15

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of Annuitant

$4.87

4.99

5.12

5.27

5.44

5.64

5.86

6.09

6.30

$4.99

5.12

5.26

5.43

5.63

5.85

6.09

6.33

6.57

$5.12

5.26

5.44

5.63

5.85

6.11

6.38

6.65

6.92

$5.27

5.43

5.63

5.87

6.14

6.44

6.75

7.07

7.38

$5.44

5.63

5.85

6.14

6.49

6.84

7.23

7.62

8.00

$5.64

5.85

6.11

6.44

6.84

7.35

7.84

8.34

8.83

$5.86

6.09

6.38

6.75

7.23

7.84

8.60

9.28

9.93

$6.09

6.33

6.65

7.07

7.63

8.34

9.28

10.42

11.35

$6.30

6.57

6.92

7.38

8.00

8.83

9.93

11.35

13.04

GTCC-HH (XC/M)-15

OPTION 4

Life Income for Two Payees

Joint and Last Survivor Annuity

50% to the Survivor

No Minimum Period

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of Annuitant

$4.07

4.22

4.40

4.61

4.87

5.17

5.49

5.84

6.18

$4.22

4.37

4.56

4.79

5.06

5.39

5.75

6.13

6.51

$4.40

4.56

4.76

5.00

5.31

5.66

6.06

6.49

6.91

$4.61

4.79

5.00

5.27

5.61

6.01

6.46

6.95

7.43

$4.87

5.06

5.31

5.61

5.99

6.44

6.96

7.54

8.11

$5.17

5.39

5.66

6.01

6.44

6.99

7.61

8.29

9.00

$5.49

5.75

6.06

6.46

6.96

7.61

8.43

9.29

10.17

$5.84

6.13

6.49

6.95

7.54

8.29

9.29

10.54

11.71

$6.18

6.51

6.91

7.43

8.11

9.00

10.17

11.71

13.57

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of Annuitant

$5.01

5.15

5.33

5.56

5.83

6.17

6.55

6.98

7.40

$5.15

5.29

5.48

5.71

6.01

6.36

6.78

7.23

7.68

$5.33

5.48

5.66

5.91

6.23

6.61

7.05

7.54

8.05

$5.56

5.71

5.91

6.16

6.51

6.93

7.42

7.96

8.53

$5.83

6.01

6.23

6.51

6.87

7.34

7.89

8.51

9.16

$6.17

6.36

6.61

6.93

7.34

7.87

8.51

9.23

10.00

$6.55

6.78

7.05

7.42

7.89

8.51

9.33

10.20

11.14

$6.98

7.23

7.54

7.96

8.51

9.23

10.20

11.44

12.64

$7.40

7.68

8.05

8.53

9.16

10.00

11.14

12.64

14.51

GTCC-HH (XC/M)-15

OPTION 4

Life Income for Two Payees

Joint and Last Survivor Annuity

100% to the Survivor

120 Minimum Period

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of Annuitant

$3.69

3.75

3.81

3.84

3.87

3.90

3.91

3.92

$3.75

3.89

3.97

4.04

4.09

4.13

4.15

4.16

4.17

$3.80

3.97

4.15

4.26

4.35

4.41

4.46

4.48

4.49

$3.84

4.04

4.26

4.50

4.65

4.76

4.84

4.89

4.91

$3.87

4.09

4.35

4.65

4.98

5.17

5.31

5.41

5.46

$3.89

4.13

4.41

4.76

5.17

5.62

5.87

6.05

6.15

$3.91

4.15

4.46

4.84

5.31

5.87

6.48

6.79

6.98

$3.91

4.16

4.48

4.89

5.41

6.05

6.79

7.50

7.83

$3.92

4.17

4.49

4.91

5.46

6.15

6.98

7.83

8.50

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of Annuitant

$4.63

4.68

4.73

4.77

4.80

4.82

4.84

4.85

$4.68

4.80

4.88

4.94

4.99

5.03

5.06

5.07

5.08

$4.73

4.88

5.04

5.14

5.23

5.29

5.34

5.37

5.38

$4.77

4.94

5.14

5.37

5.51

5.62

5.70

5.75

5.78

$4.80

4.99

5.23

5.51

5.82

6.00

6.15

6.24

6.30

$4.82

5.03

5.29

5.62

6.00

6.44

6.68

6.86

6.96

$4.84

5.06

5.34

5.70

6.15

6.68

7.27

7.57

7.76

$4.85

5.07

5.37

5.75

6.24

6.86

7.57

8.26

8.58

$4.85

5.08

5.38

5.78

6.30

6.96

7.76

8.58

9.23

GTCC-HH (XC/M-15)

OPTION 4

Life Income for Two Payees

Joint and 1/2 Contingent Life Income Annuity

No Minimum Period

Amount of First Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Age of Second Annuitant

Age of Annuitant

$3.86

4.02

4.22

4.43

4.69

4.99

5.33

5.70

6.07

$3.89

4.10

4.31

4.56

4.84

5.17

5.54

5.96

6.38

$3.93

4.15

4.42

4.70

5.02

5.39

5.82

6.29

6.75

$3.94

4.18

4.48

4.84

5.22

5.65

6.14

6.69

7.24

$3.96

4.21

4.53

4.93

5.42

5.93

6.52

7.17

7.84

$3.97

4.23

4.57

4.99

5.54

6.23

6.95

7.75

8.59

$3.98

4.24

4.59

5.04

5.63

6.40

7.40

8.41

9.49

$3.98

4.25

4.61

5.07

5.69

6.52

7.64

9.08

10.51

$3.98

4.26

4.61

5.09

5.73

6.60

7.81

9.45

11.50

Rates for a Variable Annuity with Assumed Net Return Rate of 5%

Age of Second Annuitant

Age of Annuitant

$4.80

4.95

5.14

5.36

5.63

5.96

6.35

6.79

7.26

$4.83

5.02

5.23

5.47

5.77

6.12

6.54

7.01

7.53

$4.86

5.06

5.32

5.59

5.93

6.31

6.77

7.30

7.86

$4.88

5.10

5.38

5.72

6.10

6.54

7.06

7.66

8.29

$4.89

5.13

5.43

5.80

6.29

6.81

7.42

8.11

8.85

$4.90

5.15

5.46

5.86

6.41

7.08

7.81

8.65

9.55

$4.91

5.16

5.49

5.91

6.50

7.25

8.25

9.28

10.41

$4.92

5.17

5.51

5.95

6.56

7.37

8.49

9.93

11.39

$4.92

5.18

5.52

5.97

6.60

7.46

8.66

10.29

12.37

These Annuity rates are based on mortality from 1983 Table a.

GTCC-HH (XC/M)-15

OPTION 4

Life Income for Two Annuitants

Fixed Only Cash Refund

Amount of Monthly Payment for Each $1,000

After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.5%

Age of Second Annuitant

Age of

Annuitant

$3.68

3.75

3.79

3.83

3.85

3.83

3.93

$3.75

3.88

3.96

4.02

4.06

4.07

4.05

4.01

$3.79

3.96

4.13

4.23

4.30

4.34

4.35

4.32

4.27

$3.83

4.02

4.23

4.46

4.58

4.66

4.69

4.67

4.60

$3.85

4.06

4.30

4.58

4.88

5.04

5.12

5.03

$3.85

4.07

4.34

4.66

5.04

5.43

5.61

5.67

5.58

$3.85

4.07

4.35

4.69

5.12

5.61

6.13

6.31

6.26

$3.83

4.05

4.32

4.67

5.12

5.67

6.31

6.93

7.03

$3.93

4.01

4.27

4.60

5.03

5.58

6.26

7.03

7.60

Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed

on a basis consistent with the rates in the above table.

GTCC-HH(XC/M)-15

V. FEE SCHEDULE

TAX DEFERRED ANNUITY PLAN

5.01

Maintenance Fee:

The Maintenance Fee will be $0 per Individual Account.

5.02

Surrender Fee:

The Surrender Fee applies to (i) all amounts withdrawn from the Fixed Account, and (ii) to amounts withdrawn from the Funds and Guaranteed Accumulation Account only if such amounts were attributable to amounts held in the Fixed Account at any time. Amounts will be withdrawn proportionately from amounts that are subject to a Surrender Fee and amounts that are not subject to a Surrender Fee.

For each surrender from an Individual Account, the Surrender Fee will vary according to the number of years since the Individual Account was established.

For amounts withdrawn from the Fixed Account and the variable investment options that are subject to a Surrender Fee, the Surrender Fee will be a percentage of the amount withdrawn in accordance with the table below:

Number of Years Since Individual Account Established

Surrender Fee

Less than 5

5 or more but less than 7

7 or more but less than 9

9 or more but less than 10

10 or more

For amounts withdrawn from the Guaranteed Accumulation Account that are subject to a Surrender Fee, the Surrender Fee will be a percentage of the amount withdrawn in accordance with the table below:

Number of Years Since Individual Account Established

Surrender Fee

Less than 3

3 or more but less than 4

4 or more but less than 5

5 or more but less than 6

6 or more but less than 7

7 or more

The date used for the establishment of the Individual Account for a Participant for purposes of the tables above is the earliest date used for establishment of the Participant's Employee Pre-Tax Account, Employer Pre-Tax Account or the Employee Roth Account.

No Surrender Fee is deducted from any portion of the Individual Account which is paid:

(a)

At the death of a Participant before Annuity payments start;

(b)

As a premium for an Annuity for a Participant under the Contract;

(c)

After a Participant has reached age 59 1/2 and 9 or more years have elapsed since the Individual

Account was established;

(d)

For an amount equal to or less than 10% of the Current Value, as part of the first partial surrender request in a calendar year for a Participant who is at least age 59 1/2 and less than 70 1/2. The Current Value is calculated as of the date the partial surrender request is received in good order at the Company's Home Office. Any outstanding loans from the Contract are excluded when calculating the Current Value. This provision does not apply to partial surrenders due to loan defaults made from the Contract and does not apply to full surrender requests;

GTCC-HH(XC/M)-15

(e)

When the Current Value is $5,000 or less and no surrenders have been taken from the Contract

within the prior 12 months;

(f)

Due to the Participant's disability as defined by the Internal Revenue Code;

(g)

As a result of a Participant's financial hardship as defined by the Internal Revenue Code;

(h)

Upon a Participant's separation from service;

(i)

As a distribution under a systematic distribution option (SDO);

(j)

Due to the transfer or exchange of the Individual Account value to another contract issued by the Company for the Plan, subject to various conditions established by the Company; provided that the right to cancel under the new Contract is not exercised. We will treat exercise of the right to cancel as a reinstatement and any subsequent surrender may then be subject to the Surrender Fee applicable on the date of the surrender; or

(k)

For a transfer or exchange to a Company Code Section 403(b)(7) custodial account, subject to the

restrictions set forth in Code Section 403(b)(7)(A)(ii), and subject to various conditions established

by the Company.

To comply with Section 4223 of New York Insurance Laws, the Surrender Fee will never be greater than (a) plus (b) below:

(a)

7% of amounts surrendered from options other than the GA Account; plus

(b)

7%, reduced (but not below zero) by one percent for each year the Contract has been inforce, of amounts surrendered from the GA Account. The Company reserves the right to compute the Surrender Fee for amounts transferred into the GA Account within 90 days prior to surrender as if such amounts had not been transferred.

GTCC-HH(XC/M)-15


	VOYA
Voya Retirement Insurance and Annuity Company
Home Office: [One Orange Way Windsor, Connecticut 06095-4774] [1-800-677-4636]		SERVICE CENTER P.O. Box 990065 Hartford, CT 06199-0065
CERTIFICATE OF GROUP ANNUITY COVERAGE

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT,

WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT,

ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.

GTCC-HH(XC/M)-15

EX-16 7 ex16a23aeyconsent.htm EXHIBIT 16(A)(23)(A) E&Y CONSENT ex16a23aeyconsent.htm - Generated by SEC Publisher for SEC Filing

Exhibit 16(a)(23)(a) – Consent of Ernst and Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption "Experts" in the Registration Statement (Form S-3, No. 333- ) and related Prospectus of Voya Retirement Insurance and Annuity Company (“VRIAC”) and to the incorporation by reference therein of our reports dated March 14, 2019, with respect to the consolidated financial statements and schedules of VRIAC included in its Annual Report (Form 10-K) for the year ended December 31, 2018, filed with the Securities and Exchange Commission.

/s/ Ernst & Young LLP

Boston, Massachusetts

April 3, 2019

EX-16 8 ex165opingaa.htm EXHIBIT 16(5) OPINION AND CONSENT OF COUNSEL ex165opingaa.htm - Generated by SEC Publisher for SEC Filing

Exhibit 16(5)

VOYA LETTERHEAD

LEGAL/PRODUCT FILING UNIT

ONE ORANGE WAY, C2N

WINDSOR, CT 06094-4774

PETER M. SCAVONGELLI

SENIOR COUNSEL

PHONE: (860) 580-1631 | EMAIL: PETER.SCAVONGELLI@VOYA.COM

BY EDGARLINK

April 3, 2019

Securities and Exchange Commission

100 F. Street, NE

Washington, DC 20549

Attention: Filing Desk

Re:	Voya Retirement Insurance and Annuity Company Registration Statement on Form S-3 Prospectus Title: Guaranteed Accumulation Account File No.: 333-_______

Ladies and Gentlemen:

As Counsel to Voya Retirement Insurance and Annuity Company (the “Company”), a Connecticut life insurance company, I have represented the Company in connection with the Guaranteed Accumulation Account (the “Account”) available under certain variable annuity contracts and the S-3 Registration Statement relating to such Account.

In connection with this opinion, I have reviewed the Registration Statement on Form S-3 relating to such Account, including the prospectus, and relevant proceedings of the Board of Directors.

Based upon this review, and assuming the securities represented by the Company are issued in accordance with the provisions of the prospectus, I am of the opinion that the securities, when sold, will have been legally issued, and will constitute a legal and binding obligation of the Company.

I further consent to the use of this opinion as an exhibit to the Registration Statement.

Very truly yours,

/s/Peter M. Scavongelli

Peter M. Scavongelli

PLAN | INVEST | PROTECT

Voya Logo

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VOYA LETTERHEAD

LEGAL/PRODUCT FILING UNIT

ONE ORANGE WAY, C2N

WINDSOR, CT 06094-4774

PETER M. SCAVONGELLI

SENIOR COUNSEL

PHONE: (860) 580-1631 | EMAIL: PETER.SCAVONGELLI@VOYA.COM

BY EDGARLINK

April 3, 2019

Securities and Exchange Commission

100 F Street, NE

Washington, DC 20549

Attention: Filing Desk

Re:

Voya Retirement Insurance and Annuity Company

Registration Statement on Form S-3

Prospectus Title: Guaranteed Accumulation Account

File No.: 333-_______

Ladies and Gentlemen:

Voya Retirement Insurance and Annuity Company, as Registrant, and Voya Financial Partners, LLC, as Underwriter, hereby request acceleration of the above Registration Statement to May 1, 2019 in accordance with Rule 461 of the Securities Act of 1933.

If you have any questions, please call the undersigned at (860) 580-1631.

Very truly yours,

/s/ Peter M. Scavongelli

Peter M. Scavongelli

PLAN | INVEST | PROTECT

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