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Private company

VOYA RETIREMENT INSURANCE & ANNUITY Co

VOYA RETIREMENT INSURANCE & ANNUITY Co is an American life insurance company based in Wilmington, active since 1965.2

Last updated Oct 21, 2026.

Overview

  • IndustryLife Insurance2
  • HeadquartersWilmington, United States2
  • Incorporated inCT3
  • Business addressOne Orange Way, Windsor, Ct 06095-47743
  • Legal formFUND2
  • Kind of organizationFund2
  • LEIOK3MKCDYPD4NN6QDGK182
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressOne Orange Way, 06095 Windsor, United States2
  • Registered withSecurities and Exchange Commission, 00008370102

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For the purposes of this discussion, the terms "VRIAC," "the Company," "we," "our," and "us" refer to Voya Retirement Insurance and Annuity Company and its subsidiaries.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

83.2%Net margin5
9.8%Revenue growth, 20255
24.5%Return on equity5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs3¢$21.0M
  • Interest0¢$2.0M
  • Income tax14¢$97.0M
  • Profit83¢$594.0M

Out of $714.0M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Kept or used elsewhere100¢$1.6B

Out of $1.6B of cash from operations.5

Financial statements

Revenue675$714.0M in 2025+18% since 2021
0$200.0M$400.0M$600.0M$800.0M2021: $604.0M$604.0M20212022: $548.0M$548.0M2022−9%2023: $533.0M$533.0M2023−3%2024: $650.0M$650.0M2024+22%2025: $714.0M$714.0M2025+10%
Net income675$594.0M in 2025−25% since 2021
0$200.0M$400.0M$600.0M$800.0M2021: $796.0M$796.0M20212022: $333.0M$333.0M2022−58%2023: $387.0M$387.0M2023+16%2024: $586.0M$586.0M2024+51%2025: $594.0M$594.0M2025+1%
Fiscal year20212022202320242025
Revenue$604.0M6$548.0M7$533.0M5$650.0M5$714.0M5
Operating expenses$1.2B6$1.1B7$1.1B5$1.2B5$1.3B5
Interest$06$1.0M7$3.0M5$2.0M5$2.0M5
Income before tax$952.0M6$282.0M7$400.0M5$643.0M5$691.0M5
Income tax$156.0M6-$51.0M7$13.0M5$57.0M5$97.0M5
Net income$796.0M6$333.0M7$387.0M5$586.0M5$594.0M5

Compare VOYA RETIREMENT INSURANCE & ANNUITY Co with another company

Corporate structure

VOYA RETIREMENT INSURANCE & ANNUITY Co sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • VOYA RETIREMENT INSURANCE & ANNUITY Co Wilmington, Delaware, United States
    • SEPARATE ACCOUNT FOR COUNTY OF SAN BERNARDINO Fund · Wilmington, Delaware, United States
    • Voya Capital Preservation Fund Fund · Wilmington, Delaware, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0). Each entity in the chart links to its source.

What it owns

What VOYA RETIREMENT INSURANCE & ANNUITY Co reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$352.0M5 Dec 31, 2025$516.0M5 Dec 31, 2024−31.8%
Equity securities at fair value$72.0M5 Dec 31, 2025$66.0M5 Dec 31, 2024+9.1%

Properties, in its own words

The Company's home office is located at One Orange Way, Windsor, Connecticut, 06095-4774. All Company office space other than the home office is leased or subleased by the Company or its other affiliates. The Company pays substantially all expenses associated with its owned or leased and subleased office properties. Affiliates within Voya Financial's operations provide the Company with various management, finance, investment management and other administrative services, primarily from facilities located at 5780 Powers Ferry Road, N.W., Atlanta, Georgia 30327-4390. The affiliated companies are reimbursed for the Company's use of these services and facilities under a variety of intercompany agreements.

Item 2 of the 10-K filed Mar 6, 2026.4

Former names

  • ING LIFE INSURANCE & ANNUITY COApr 5, 2002 to Aug 28, 20143
  • AETNA LIFE INSURANCE & ANNUITY CO /CTDec 6, 1995 to Mar 1, 20023

Timeline

  1. Jun 25, 1965Founded VOYA RETIREMENT INSURANCE & ANNUITY Co is founded2

Filings

150 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 130 other. The latest 20:

  1. Aug 10, 202610-Q EDGAR
  2. Jul 27, 2026497VPI OPPORTUNITY PLUS WITH GAA (333-294118) - 497VPI EDGAR
  3. Jul 27, 2026497VPU OPPORTUNITY PLUS WITH GAA (333-294118) - 497VPU EDGAR
  4. Jul 27, 2026497 OPPORTUNITY PLUS WITH GAA (333-294118) - 497 EDGAR
  5. Jul 27, 2026497VPI MULTIMARKET II WITH GAA (333-294117) - 497VPI EDGAR
  6. Jul 27, 2026497VPU MULTIMARKET II WITH GAA (333-294117) - 497VPU EDGAR
  7. Jul 27, 2026497 MULTIMARKET II WITH GAA (333-294117) - 497 EDGAR
  8. Jul 27, 2026497VPI MULTIMARKET WITH GAA (333-288655) - 497VPI EDGAR
  9. Jul 27, 2026497VPU MULTIMARKET WITH GAA (333-288655) - 497VPU EDGAR
  10. Jul 27, 2026497 MULTIMARKET WITH GAA (333-288655) - 497 EDGAR
  11. Jun 10, 2026497VPI MULTI-MARKET II WITH GAA (333-294117) - 497VPI EDGAR
  12. Jun 10, 2026497VPI MAP PLUS NP WITH GAA (333-294115) - 497VPI EDGAR
  13. Jun 10, 2026497VPI MULTI-MARKET WITH GAA (333-288655) - 497VPI EDGAR
  14. Jun 10, 2026497VPI DEFERRED COMP WITH GAA (333-294111) - 497VPI EDGAR
  15. Jun 10, 2026497VPI OPPORTUNITY PLUS WITH GAA (333-294118) - 497VPI EDGAR
  16. Jun 10, 2026497VPU MULTI-MARKET II WITH GAA (333-294117) - 497VPU EDGAR
  17. Jun 10, 2026497VPU MAP PLUS NP WITH GAA (333-294115) - 497VPU EDGAR
  18. Jun 10, 2026497VPU MULTI-MARKET WITH GAA (333-288655) - 497VPU EDGAR
  19. Jun 10, 2026497VPU DEFERRED COMP WITH GAA (333-294111) - 497VPU EDGAR
  20. Jun 10, 2026497VPU OPPORTUNITY PLUS WITH GAA (333-294118) - 497VPU EDGAR

The 150 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

SEC filer profile

How VOYA RETIREMENT INSURANCE & ANNUITY Co is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARVOYA RETIREMENT INSURANCE & ANNUITY Co1
  • CIK0000837010
  • Employer ID (EIN)71-02947084
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inConnecticut4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6311 Life Insurance1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business addressOne Orange Way, Windsor, CT 06095-47741
  • Phone860-580-46461
  • Shares outstanding55,000 as of Aug 7, 20269
  • Public float$0 as of Dec 31, 20255
  • AuditorErnst & Young LLP, Atlanta, Georgia PCAOB ID 424
  • On EDGAR sinceMay 10, 19951
  • Filings690 in all: 424B3 (105), 10-Q (95), POS AM (79), EFFECT (68), S-3 (34), 10-K (28), 8-K (22), 497VPI (19)1
    All 50 form types

    497VPU (16), S-3/A (14), 3 (13), 497J (13), S-1 (13), 13F-NT (12), 4 (12), 40-APP/A (12), 485BPOS (12), IRANNOTICE (11), 485BXT (9), 497 (9), 40-APP (8), S-2 (8), DEL AM (7), N-4 (7), S-2MEF (7), 40-OIP/A (5), 485APOS (5), AW (5), CORRESP (5), 10-K405 (3), S-1/A (3), 10-K/A (2), 10-Q/A (2), 13F-NT/A (2), 40-OIP (2), 8-K/A (2), APP WD (2), OIP NTC (2), OIP ORDR (2), RW (2), S-1MEF (2), S-2/A (2), UPLOAD (2), 3/A (1), 40-6C (1), 40-6C/A (1), NO ACT (1), NT 10-K (1), POS EX (1), S-3MEF (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Latest 8-K (8-K) Jul 6, 2017

Risk factors and legal proceedings

The risks VOYA RETIREMENT INSURANCE & ANNUITY Co names in Item 1A of its 10-K filed Mar 6, 2026: 34 risks under these headings, as written.4

  • •Global Market Risks
  • •Liquidity, Credit and Investment Risks
  • •Strategic and Business Risks
  • •Operational Risks
  • •Tax, Regulatory and Legal Risks
  • Global Market Risks
  • Conditions in the global capital markets and the economy generally, as well as geopolitical events, have affected and may continue to affect our business and results of operations.
  • The level of interest rates may adversely affect our profitability, particularly during a period of rapidly increasing interest rates or in the event of a recurrence of a low interest rate environment.
  • Unfavorable developments in interest rates, credit spreads and policyholder behavior may result in adverse financial consequences related to our stable value products, and our hedging program and risk mitigation features may not successfully offset these consequences.
  • Our risk management policies and procedures, including hedging programs, may prove inadequate for the risks we face, which could adversely affect our business and financial condition or result in losses.
  • Liquidity, Credit and Investment Risks
  • A downgrade or a potential downgrade in our financial strength or credit ratings may result in a loss of business and adversely affect our results of operations and financial condition.
The other 29 risks
  • The inability of counterparties to meet their financial obligations could have an adverse effect on our results of operations.
  • Requirements to post collateral or make payments related to changes in market value of specified assets may adversely affect our liquidity.
  • Our participation in securities lending and repurchase programs subjects us to potential liquidity and other risks.
  • A portion of our institutional funding originates from sources such as a Federal Home Loan Bank and our Funding Agreement Backed Note program, which subjects us to liquidity risks.
  • Our investment portfolio is subject to several risks that may diminish the value of our invested assets and the investment returns credited to customers, which could reduce our sales, revenues and results of operations.
  • Some of our investments are relatively illiquid and in some cases are in asset classes that may experience significant market valuation fluctuations.
  • The valuation of many of our financial instruments, and the determination of the amount of allowances and impairments taken on our investments, include methodologies, estimations and assumptions that are subject to differing interpretations or are inherently subjective and could result in changes to investment valuations that may adversely affect our results of operations and financial condition.
  • Differences between actual claims experience and reserving assumptions may adversely affect our results of operations or financial condition.
  • Strategic and Business Risks
  • Because we operate in highly competitive markets, we may not be able to increase or maintain our market share, which may have an adverse effect on our results of operations.
  • Recent acquisitions, including managing the transition on the terms or timing currently contemplated, could have negative impacts on us.
  • Our operations, products and services are complex and our products and services are frequently sold through intermediaries. A failure to properly perform services, the misrepresentation of our products or services or a loss or significant change in these relationships may have an adverse effect on our revenues and income.
  • Reinsurance subjects us to the credit risk of reinsurers and may not be available, affordable or adequate to protect us against losses.
  • Our business performance and growth plans may be adversely affected if we are not able to effectively apply technology in our business and operations or to adapt quickly enough to disruptive technology or innovations including artificial intelligence. Conversely, investments in innovative product offerings may fail to yield sufficient returns to cover their costs.
  • If our clients are not satisfied with our services, we may face additional cost, loss of profit opportunities and damage to our reputation or legal liability.
  • Operational Risks
  • Interruption or other operational failures in telecommunication, cybersecurity, information technology and other operational systems, including as a result of human and process error or a failure to maintain the security, integrity, confidentiality, or privacy of such systems, could harm our business.
  • Any failure to protect the privacy and confidentiality of customer information could adversely affect our reputation and adversely affect our business, financial condition and results of operations.
  • Our business success depends on our ability to attract and retain qualified employees.
  • The occurrence of natural or man-made disasters may adversely affect our results of operations and financial condition.
  • If we experience difficulties arising from outsourcing relationships, our ability to conduct business may be compromised, which may adversely affect our business and results of operations.
  • We depend on licenses of third-party software to provide our services. The inability to maintain these licenses or errors in the software we license could result in increased costs, or reduced service levels, which would adversely affect our business.
  • Our international operations may result in increased risks to our business.
  • Tax, Regulatory and Legal Risks
  • We may be required to reduce the carrying value of our deferred income tax assets or establish an additional valuation allowance against the deferred income tax assets.
  • Our ability to use certain beneficial deferred tax assets may become subject to limitations.
  • Changes in tax laws and interpretations of existing tax law, including recent U.S. tax law changes, could impact the taxation of our operations or impact our ability to make distributions to Voya Financial, Inc. or make our products less attractive to customers.
  • Our businesses and those of our affiliates are heavily regulated and our products and services are subject to extensive regulation. Changes in regulation or the application of regulation or the failure to meet complex product requirements may reduce our profitability.
  • Regulatory investigations and enforcement actions may reduce profitability.
  • A decrease in our RBC ratio (as a result of a reduction in statutory surplus or increase in RBC requirements) could result in increased scrutiny by insurance regulators and rating agencies and have a material adverse effect on our business, results of operations and financial condition.
  • Litigation may adversely affect our profitability and financial condition.
  • Changes in accounting standards could adversely impact our reported results of operations and our reported financial condition.

Legal proceedings

See the Litigation, Regulatory Matters and Contingencies section of the Commitments and Contingencies Note in our Consolidated Financial Statements in Part II, Item 8. of this Annual Report on Form 10-K for a description of our material legal proceedings.

The opening of Item 3, Legal Proceedings.4

Sources

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