As filed with the Securities and Exchange		Registration No. 333-105479
Commission on December 16, 2014		Registration No. 811-02513
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
Post-Effective Amendment No. 19 To
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
and Amendment to
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Variable Annuity Account C of
Voya Retirement Insurance and Annuity Company
One Orange Way, Windsor, Connecticut 06095-4774
Depositor’s Telephone Number, including Area Code: (860) 580-2824
J. Neil McMurdie, Senior Counsel
Voya Legal Services
One Orange Way, C2N, Windsor, Connecticut 06095-4774
(Name and Address of Agent for Service)
It is proposed that this filing will become effective:
X	immediately upon filing pursuant to paragraph (b) of Rule 485
	on __________________ pursuant to paragraph (b) of Rule 485
If appropriate, check the following box:
	this post-effective amendment designates a new effective date for a previously
	filed post-effective amendment.
Title of Securities Being Registered: Group or Individual Deferred Variable Annuity Contracts

PARTS A AND B 

The Prospectus and the Statement of Additional Information each dated May 1, 2014 are 

incorporated into Parts A and B of this Post-Effective Amendment No. 19 by reference to 

Registrant’s filing under Rule 497(c) as filed on May 2, 2014 and under Rule 497(e) as filed on 

August 28, 2014. 

A supplement dated December 16, 2014 to the Prospectus and Statement of Additional Information 

is included in Parts A and B of this Post-Effective Amendment No. 19. 

Voya Retirement Insurance and Annuity Company
and its
Variable Annuity Account C
AFT CHOICE PLUS
Supplement Dated December 16, 2014 to the Contract Prospectus, Contract Prospectus
Summary and Statement of Additional Information, each dated May 1, 2014, as amended
This supplement updates and amends certain information contained in your variable annuity Contract Prospectus,
Contract Prospectus Summary and Statement of Additional Information (“SAI”). Please read it carefully and keep it
with your Contract Prospectus, Contract Prospectus Summary and SAI for future reference.
The following information only affects you if you currently invest in or plan to invest in the
subaccount that corresponds to the Voya International Value Portfolio.
Notice of and Important Information About An Upcoming Fund Reorganization
The Board of Trustees of Voya Variable Products Trust approved a proposal to reorganize the Voya International
Value Portfolio (the “Merging Portfolio”) with and into the Voya Global Value Advantage Portfolio (the “Surviving
Portfolio”). The proposed reorganization is subject to shareholders approval. If shareholder approval is obtained, the
reorganization is expected to take place on or about the close of business on March 6, 2015 (the “Reorganization
Date”).
Voluntary Transfers Before the Reorganization Date. Prior to the Reorganization Date, you may transfer
amounts allocated to the subaccount that invests in the Merging Portfolio to any other available subaccount or any
available fixed interest option. There will be no charge for any such transfer, and any such transfer will not count as
a transfer when imposing any applicable restriction or limit on transfers. See the “Transfers” section of your
Contract Prospectus or Contract Prospectus Summary for information about making subaccount transfers.
On the Reorganization Date. On the Reorganization Date, your investment in the subaccount that invested in the
Merging Portfolio will automatically become an investment in the subaccount that invests in the Surviving Portfolio
with an equal total net asset value. You will not incur any tax liability because of this automatic reallocation and
your contract value immediately before the reallocation will equal your contract value immediately after the
reallocation.
Automatic Fund Reallocation After the Reorganization Date. After the Reorganization Date, the Merging
Portfolio will no longer be available through your contract. Unless you provide us with alternative allocation
instructions, after the Reorganization Date all allocations directed to the subaccount that invested in the Merging
Portfolio will be automatically allocated to the subaccount that invests in the Surviving Portfolio. See the
“Transfers” section of your Contract Prospectus or Contract Prospectus Summary for information about making
fund allocation changes.
Allocation Instructions. You may give us alternative allocation instructions at any time by contacting us at
Customer Service, P.O. Box 5050, Hartford, CT 06199-0063 or calling us at 1-800-262-3862.
X.105479-14A	Page 1 of 2	December 2014

Information about the Voya Global Value Advantage Portfolio. In connection with the upcoming fund
reorganization involving the Voya International Value Portfolio (Class I), effective on the Reorganization Date, the
Voya Global Value Advantage Portfolio (Class I) will be added to your contract as an available investment option.
The following chart lists summary information regarding the Voya Global Value Advantage Portfolio and is added
to Appendix III in your Contract Prospectus and Contract Prospectus Summary.
Fund Name and
Investment Adviser/Subadviser	Investment Objective(s)
Voya Global Value Advantage Portfolio	Seeks long-term capital growth and current income.
Investment Adviser: Voya Investments, LLC
Subadviser: Voya Investment Management Co.
LLC
More Information is Available
More information about the funds available through your contract, including information about the risks associated
with investing in them can be found in the current prospectus and Statement of Additional Information for each
fund. You may obtain these documents by contacting us at our:
Customer Service
P.O. Box 990063
Hartford, CT 06199-0063
1-800-262-3862
If you received a summary prospectus for any of the funds available through your contract, you may obtain a full
prospectus and other fund information free of charge by either accessing the internet address, calling the telephone
number or sending an email request to the email address shown on the front of the fund’s summary prospectus.
Important Information Regarding “The Company”
The third paragraph under “The Company” section in your Contract Prospectus and Contract Prospectus Summary
and the third paragraph under the “General Information and History” section in your SAI is deleted and replaced
with the following:
Voya is an affiliate of ING Groep N.V. (“ING”), a global financial institution active in the fields of insurance,
banking and asset management. In 2009 ING announced the anticipated separation of its global banking and
insurance businesses, including the divestiture of Voya, which together with its subsidiaries, including the
Company, constitutes ING’s U.S.-based retirement, investment management and insurance operations. As of
November 18, 2014, ING’s ownership of Voya was approximately 19%. Under an agreement with the European
Commission, ING is required to divest itself of 100% of Voya by the end of 2016.
Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided
by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095. Securities are distributed by Voya
Financial Partners, LLC (member SIPC). Securities may also be distributed through other broker-dealers with which Voya
Financial Partners, LLC has selling agreements.
X.105479-14A	Page 2 of 2	December 2014

VARIABLE ANNUITY ACCOUNT C
PART C - OTHER INFORMATION
Item 24.	Financial Statements and Exhibits
(a)	Financial Statements:
(1)		Incorporated by reference in Part A:
		Condensed Financial Information
(2)		Incorporated by reference in Part B:
		Financial Statements of Variable Annuity Account C:
		-	Report of Independent Registered Public Accounting Firm
		-	Statements of Assets and Liabilities as of December 31, 2013
		-	Statements of Operations for the year ended December 31, 2013
		-	Statements of Changes in Net Assets for the years ended December 31, 2013
			and 2012
		-	Notes to Financial Statements
		Consolidated Financial Statements of ING Life Insurance and Annuity Company:
			(name changed to Voya Retirement Insurance and Annuity Company)
		-	Report of Independent Registered Public Accounting Firm
		-	Consolidated Balance Sheets as of December 31, 2013 and 2012
		-	Consolidated Statements of Operations for the years ended December 31,
			2013, 2012 and 2011
		-	Consolidated Statements of Comprehensive Income for the years ended
			December 31, 2013, 2012 and 2011
		-	Consolidated Statements of Changes in Shareholder’s Equity for the years
			ended December 31, 2013, 2012 and 2011
		-	Consolidated Statements of Cash Flows for the years ended December 31,
			2013, 2012 and 2011
		-	Notes to Consolidated Financial Statements
(b)	Exhibits
	(1)		Resolution establishing Variable Annuity Account C · Incorporated by
			reference to Post-Effective Amendment No. 5 to Registration Statement on
Form N-4 (File No. 033-75986), as filed on April 12, 1996.
	(2)		Not applicable
	(3.1)		Standard Form of Broker-Dealer Agreement · Incorporated by reference to
			Post-Effective Amendment No. 32 to Registration Statement on Form N-4 (File
			No. 033-81216), as filed on April 11, 2006.
	(3.2)		Underwriting Agreement dated November 17, 2006 between ING 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.
	(3.3)		Intercompany Agreement dated December 22, 2010 (effective January 1, 2010)
			between Directed Services LLC and ING Life Insurance and Annuity Company
			· Incorporated by reference to Post-Effective Amendment No. 1 to Registration
			Statement on Form N-4 (File No. 333-167680), as filed on February 11, 2011.

(3.4)	Amendment No. 1 made and entered into as of December 1, 2013 to the
Intercompany Agreement dated as of December 22, 2010 by and among
	Directed Services LLC and ING Life Insurance and Annuity Company ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
	Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(3.5)	Amendment No. 2, effective as of September 30, 2014, to the Intercompany
	Agreement dated as of December 22, 2010 by and between Directed Services
	LLC and ING Life Insurance and Annuity Company (now known as “Voya
	Retirement Insurance and Annuity Company”) · Incorporated by reference to
	Post-Effective Amendment No. 63 to Registration Statement on Form N-4 (File
	No. 033-75962), as filed on December 16, 2014.
(3.6)	Intercompany Agreement dated December 22, 2010 (effective January 1, 2010)
	between ING Investment Management LLC and ING Life Insurance and
	Annuity Company · Incorporated by reference to Post-Effective Amendment
	No. 1 to Registration Statement on Form N-4 (File No. 333-167680), as filed on
	February 11, 2011.
(3.7)	Amendment No. 1 made and entered into as of December 1, 2013 to the
	Intercompany Agreement dated as of December 22, 2010 by and among ING
	Investment Management LLC and ING Life Insurance and Annuity Company ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
	Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(3.8)	Amendment No. 2, effective as of September 30, 2014, to the Intercompany
	Agreement dated as of December 22, 2010 by and between ING Investment
	Management LLC (now known as “Voya Investment Management LLC”) and
	ING Life Insurance and Annuity Company (now known as “Voya Retirement
	Insurance and Annuity Company”) · Incorporated by reference to Post-Effective
	Amendment No. 63 to Registration Statement on Form N-4 (File No. 033-
	75962), as filed on December 16, 2014.
(4.1)	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.
(4.2)	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.
(4.3)	Contract Schedule I AFT-403M (08/03)-E-MGIRMM-03 to Contract
	G-CDA(12/99) and Certificate C-CDA(12/99) · Incorporated by reference to
	Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File
	No. 333-105479), as filed on June 3, 2004.
(4.4)	Contract Schedule I AFT-457M(08/03)-E-MGIRMM-03 to Contract
	G-CDA(12/99) and Certificate C-CDA(12/99) · Incorporated by reference to
	Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File
	No. 333-105479), as filed on June 3, 2004.

(4.5)	Contract Schedule I AFT-457SMGIR (09/03) to Contract G-CDA(12/99) and
Certificate C-CDA(12/99) · Incorporated by reference to Post-Effective
	Amendment No. 3 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on June 3, 2004.
(4.6)	Contract Schedule I AFT-403MMGIR (09/03) to Contract G-CDA(12/99) and
Certificate C-CDA(12/99) · Incorporated by reference to Post-Effective
	Amendment No. 3 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on June 3, 2004.
(4.7)	Contract Schedule I AFT-403S (08/03)-E-MGIRMM-03 to Contract G-
	CDA(12/99) and Certificate C-CDA(12/99) · Incorporated by reference to Post-
	Effective Amendment No. 3 to Registration Statement on Form N-4 (File No.
	333-105479), as filed on June 3, 2004.
(4.8)	Contract Schedule I AFT-403SMGIR (09/03) to Contract G-CDA(12/99) and
Certificate C-CDA(12/99) · Incorporated by reference to Post-Effective
	Amendment No. 3 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on June 3, 2004.
(4.9)	Contract Schedule I AFT-457MMGIR (09/03) to Contract G-CDA(12/99) and
Certificate C-CDA(12/99) · Incorporated by reference to Post-Effective
	Amendment No. 3 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on June 3, 2004.
(4.10)	Contract Schedule I AFT-457S(08/03)/E-MGIRMM-03 to Contract
	G-CDA(12/99) and Certificate C-CDA(12/99) · Incorporated by reference to
	Post-Effective Amendment No. 3 to Registration Statement on Form N-4 (File
	No. 333-105479), as filed on June 3, 2004.
(4.11)	Endorsement (E-MMFPEX-99R) to Contract G-CDA(12/99) and 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.
(4.12)	Endorsement (E-MMGDB(12/99)) to Contract G-CDA(12/99) and 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.
(4.13)	Endorsement (E-MMLSWC(12/99)) to Contract G-CDA(12/99) and 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.
(4.14)	Endorsement (E-MMTC(12/99)) to Contract G-CDA(12/99) and 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.

(4.15)	Endorsement (EMMCC-01) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	30 to Registration Statement on Form N-4 (File No. 333-01107), as filed on
	April 10, 2002.
(4.16)	Endorsement (EEGTRRA-HEG(01)) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	22 to Registration Statement on Form N-4 (File No. 033-81216), as filed on
	February 15, 2002.
(4.17)	Endorsement (E-LOANA(1/02)) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.18)	Endorsement (E-AFT-M(08/03)) to Contract G-CDA(12/99) and Certificate
	C-CDA · Incorporated by reference to Post-Effective Amendment No. 4 to
	Registration Statement on Form N-4 (File No. 333-105479), as filed on July 28,
	2004.
(4.19)	Endorsement (E-LNDFLT(1/04)) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.20)	Endorsement (E-R403B-05) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.21)	Endorsement (E-TPA-08) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.22)	Endorsement (E-403bTERM-08) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.23)	Endorsement (E-403bR-09) to Contract G-CDA(12/99) and Certificate
	C-CDA(12/99) · Incorporated by reference to Post-Effective Amendment No.
	11 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 10, 2009.
(4.24)	Endorsement E-AFT-10 to Contract G-CDA-10 and Certificate C-CDA-10 ·
	Incorporated by reference to Post-Effective Amendment No. 13 to Registration
	Statement on Form N-4 (File No. 333-105479), as filed on April 6, 2011.
(4.25)	Endorsement E-MMLOAN-10 to Contract G-CDA-10 and Certificate C-CDA-
10 · Incorporated by reference to Post-Effective Amendment No. 13 to
	Registration Statement on Form N-4 (File No. 333-105479), as filed on April 6,
	2011.

(4.26)	Endorsement E-MMGDB-10 to Contract G-CDA-10 and Certificate C-CDA-10
	· Incorporated by reference to Post-Effective Amendment No. 13 to
	Registration Statement on Form N-4 (File No. 333-105479), as filed on April 6,
	2011.
(4.27)	Endorsement E-MMGDBP-10 to Contract G-CDA-10 and Certificate C-CDA-
10 · Incorporated by reference to Post-Effective Amendment No. 13 to
	Registration Statement on Form N-4 (File No. 333-105479), as filed on April 6,
	2011.
(4.28)	Endorsement E-MMTC-10 to Contract G-CDA-10 and Certificate C-CDA-10 ·
	Incorporated by reference to Post-Effective Amendment No. 13 to Registration
	Statement on Form N-4 (File No. 333-105479), as filed on April 6, 2011.
(4.29)	Endorsement E-EQWA-10 to Contract G-CDA-10 and Certificate C-CDA-10 ·
	Incorporated by reference to Post-Effective Amendment No. 13 to Registration
	Statement on Form N-4 (File No. 333-105479), as filed on April 6, 2011.
(4.30)	Endorsement E-MMFA-10 to Contract G-CDA-10 and Certificate C-CDA-10 ·
	Incorporated by reference to Post-Effective Amendment No. 13 to Registration
	Statement on Form N-4 (File No. 333-105479), as filed on April 6, 2011.
(4.31)	Endorsement E-RO457-11 to Contracts G-CDA (12/99), GLID-CDA-HO, GSD-
	CDA-HO, G-CDA-HD and G-CDA-HF and Contract Certificate C-CDA
	(12/99) · Incorporated by reference to Post-Effective Amendment No. 13 to
	Registration Statement on Form N-4 (File No. 333-105479), as filed on April 6,
	2011.
(4.32)	Variable Annuity Contract G-CDA-10 · Incorporated by reference to Post-
	Effective Amendment No. 16 to Registration Statement on Form N-4 (File No.
	333-109860), as filed on September 17, 2010.
(4.33)	Variable Annuity Contract Certificate C-CDA-10 · Incorporated by reference to
	Post-Effective Amendment No. 16 to Registration Statement on Form N-4 (File
	No. 333-109860), as filed on September 17, 2010.
(5)	Not applicable
(6.1)	Restated Certificate of Incorporation (amended and restated as of October 1,
	2007) of ING Life Insurance and Annuity Company · Incorporated by reference
	to ING Life Insurance and Annuity Company annual report on Form 10-K (File
	No. 033-23376), as filed on March 31, 2008.
(6.2)	Amended and Restated By-Laws of ING Life Insurance and Annuity Company,
	effective October 1, 2007 · Incorporated by reference to ING Life Insurance
	and Annuity Company annual report on Form 10-K (File No. 033-23376), as
	filed on March 31, 2008.
(7)	Not applicable
(8.1)	(Retail) Fund Participation Agreement dated as of July 1, 2000 between Aetna
	Life Insurance and Annuity Company, American Century Services Corporation,
	and American Century Investment Services, Inc. · Incorporated by reference to
	Post-Effective Amendment No. 23 to Registration Statement on Form N-4 (File
	No. 333-01107), as filed on December 13, 2000.

(8.2)	(Retail) Fourth Amendment dated July 1, 2013 to Fund Participation Agreement
	dated as of July 1, 2000 between ING Life Insurance and Annuity Company,
	American Century Investment Services, Inc. and American Century Services
	LLC and amended on November 7, 2003, October 1, 2004 and April 1, 2007 ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
	Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.3)	(Retail) Amendment No. 1 effective November 7, 2003 to Fund Participation
	Agreement dated as of July 1, 2000 between ING Life Insurance and Annuity
	Company and American Century Investment Services, Inc. and amended on
	October 1 2004 and April 1, 2007 · Incorporated by reference to Post-Effective
	Amendment No. 37 to Registration Statement on Form N-4 (File No. 033-
75962), as filed on April 13, 2004, and by reference to Post-Effective
	Amendment No. 48 (File No. 033-75962), as filed on April 10, 2007, and by
	reference to Post-Effective Amendment No. 10 (File No. 333-105479), as filed
	on April 11, 2008.
(8.4)	(Retail) Novation Agreement dated February 16, 2010 to Fund Participation
	Agreement dated as of July 1, 2000 between American Century Investment
	Services, Inc., American Century Services, LLC and ING Life Insurance and
	Annuity Company · Incorporated by reference to Post-Effective Amendment
	No. 59 to Registration Statement on Form N-4 (File No. 033-75962), as filed on
	April 3, 2012.
(8.5)	Rule 22c-2 Agreement dated April 4, 2007 and is effective as of October 16,
	2007 between American Century Investment Services, Inc., ING Life Insurance
	and Annuity Company, ING National Trust, ING USA Annuity and Life
Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life
	Insurance Company of New York, Security Life of Denver Insurance Company
	and Systematized Benefits Administrators Inc. · Incorporated by reference to
	Post-Effective Amendment No. 50 to Registration Statement on Form N-4 (File
	No. 033-75962), as filed on June 15, 2007.
(8.6)	(Retail) Participation Agreement dated as of January 1, 2003 among ING Life
	Insurance and Annuity Company, ReliaStar Life Insurance Company, ReliaStar
	Life Insurance Company of New York, American Funds Distributors, Inc. and
	American Funds Service Company · Incorporated by reference to Post-Effective
	Amendment No. 42 to Registration Statement on Form N-4 (File No. 333-
	01107), as filed on December 16, 2005.
(8.7)	(Retail) First Amendment is made and entered into as of January 3, 2006 to the
Participation Agreement dated January 1, 2003 by and among ING Life
	Insurance and Annuity Company, ReliaStar Life Insurance Company, ReliaStar
	Life Insurance Company of New York, American Funds Distributors, Inc. and
American Funds Service Company and amended on November 1, 2006,
	February 1, 2007, October 1, 2008, January 30, 2009, May 1, 2009, December 1,
2010 and February 1, 2011· Incorporated by reference to Post-Effective
	Amendment No. 47 to Registration Statement on Form N-4 (File No. 033-

	75962), as filed on November 21, 2006, and by reference to Post-Effective
	Amendment No. 46 (File No. 333-01107), as filed on February 15, 2008, and by
	reference to Post-Effective Amendment No. 54 (File No. 333-01107), as filed on
	November 18, 2008, and by reference to Post-Effective Amendment No. 54 (File
	No. 033-75962), as filed on April 9, 2009, and by reference to Post-Effective
	Amendment No. 55 (File No. 033-75962), as filed on April 8, 2010, and by
	reference to Post-Effective Amendment No. 1 (File No. 333-167680), as filed on
	February 11, 2011, and by reference to Post-Effective Amendment No. 58 (File
	No. 033-75962), as filed on December 16, 2011
(8.8)	(Retail) Selling Group Agreement among American Funds Distributors, Inc. and
	Aetna Investment Services, Inc. dated June 30, 2000 · Incorporated by reference
	to Post-Effective Amendment No. 42 to Registration Statement on Form N-4
	(File No. 333-01107), as filed on December 16, 2005.
(8.9)	(Retail) Supplemental Selling Group Agreement by and among American Funds
	Distributors, Inc. and Aetna Investment Services, Inc. dated June 30, 2000 ·
	Incorporated by reference to Post-Effective Amendment No. 42 to Registration
	Statement on Form N-4 (File No. 333-01107), as filed on December 16, 2005.
(8.10)	(Retail) Omnibus addendum (R shares) dated February 6, 2004 to the Selling
	Group Agreement dated June 30, 2000 and effective January 1, 2003 between
American Funds Distributors, Inc. and ING Financial Advisers, LLC ·
	Incorporated by reference to Post-Effective Amendment No. 42 to Registration
	Statement on Form N-4 (File No. 333-01107), as filed on December 16, 2005.
(8.11)	Rule 22c-2 Agreement dated and effective as of April 16, 2007 and operational
	on October 16, 2007 between American Funds Service Company, ING Life
	Insurance and Annuity Company, ING National Trust, ING USA Annuity and
	Life Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life
	Insurance Company of New York, Security Life of Denver Insurance Company
	and Systematized Benefits Administrators Inc. · Incorporated by reference to
	Post-Effective Amendment No. 50 to Registration Statement on Form N-4 (File
	No. 033-75962), as filed on June 15, 2007.
(8.12)	(Retail) Fund Participation Agreement effective October 1, 2000 between Aetna
	Life Insurance and Annuity Company and Bankers Trust Company (Scudder) ·
	Incorporated by reference to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on May 22, 2003.
(8.13)	Rule 22c-2 Agreement dated March 19, 2007 and effective as of October 16,
	2007 between DWS Scudder Distributors, Inc., ING Life Insurance and Annuity
	Company, ING National Trust, ING USA Annuity and Life Insurance Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York, Security Life of Denver Insurance Company and Systematized Benefits
	Administrators Inc. · Incorporated by reference to Post-Effective Amendment
	No. 12 to Registration Statement on Form N-4 (File No. 333-105479), as filed
	on April 9, 2010.

(8.14)	Amended and Restated Participation Agreement as of June 26, 2009 by and
among ING Life Insurance and Annuity Company, Fidelity Distributors
	Corporation, Variable Insurance Products Fund, Variable Insurance Products
	Fund II, Variable Insurance Products Fund III, Variable Insurance Products
	Fund IV and Variable Insurance Products Fund V and amended on June 26,
	2009 · Incorporated by reference to Post-Effective Amendment No. 56 to
	Registration Statement on Form N-4 (File No. 333-01107), as filed on December
	18, 2009.
(8.15)	Letter Agreement dated May 16, 2007 and effective July 2, 2007 between ING
	Life Insurance and Annuity Company, Variable Insurance Products Fund,
	Variable Insurance Products Fund I, Variable Insurance Products Fund II,
	Variable Insurance Product Fund V and Fidelity Distributors Corporation ·
	Incorporated by reference to Post-Effective Amendment No. 51 to Registration
Statement on Form N-4 (File No. 033-75962), as filed on July 27, 2007.
(8.16)	Service Agreement effective as of June 1, 2002 by and between Fidelity
Investments Institutional Operations Company, Inc. and ING Financial
	Advisers, LLC · Incorporated by reference to Post-Effective Amendment No. 33
	to Registration Statement on Form N-4 (File No. 033-75988), as filed on August
	5, 2004.
(8.17)	Service Contract dated June 20, 2003 and effective as of June 1, 2002 by and
	between Directed Services, Inc., ING Financial Advisers, LLC, and Fidelity
Distributors Corporation · Incorporated by reference to Post-Effective
	Amendment No. 33 to Registration Statement on Form N-4 (File No. 033-
	75988), as filed on August 5, 2004.
(8.18)	First Amendment effective as of April 1, 2005 to Service Contract dated June
	20, 2003 between Fidelity Distributors Corporation and ING Financial Advisers,
	Inc. and amended on April 1, 2006 · Incorporated by reference to Post-Effective
	Amendment No. 47 to Registration Statement on Form N-4 (File No. 033-
	75962), as filed on November 21, 2006.
(8.19)	Rule 22c-2 Agreement dated no later than April 16, 2007 and is effective as of
	October 16, 2007 between Fidelity Distributors Corporation, ING Life Insurance
	and Annuity Company, ING National Trust, ING USA Annuity and Life
Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life
	Insurance Company of New York, Security Life of Denver Insurance Company
	and Systematized Benefits Administrators Inc. · Incorporated by reference to
	Post-Effective Amendment No. 50 to Registration Statement on Form N-4 (File
	No. 033-75962), as filed on June 15, 2007.

(8.20)	Amended and Restated Participation Agreement as of December 30, 2005 by
	and among Franklin Templeton Variable Insurance Products Trust,
Franklin/Templeton Distributors, Inc., ING Life Insurance and Annuity
	Company, ING USA Annuity and Life Insurance Company, ReliaStar Life
	Insurance Company, ReliaStar Life Insurance Company of New York and
Directed Services, Inc. • Incorporated by reference to Post-Effective
	Amendment No. 17 to Registration Statement on Form N-4 (File No. 333-
	85618), as filed on February 1, 2007.
(8.21)	Amendment effective June 5, 2007 to Amended and Restated Participation
	Agreement as of December 30, 2005 by and among Franklin Templeton
	Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., ING
	Life Insurance and Annuity Company, ING USA Annuity and Life Insurance
Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance
	Company of New York and Directed Services, Inc. and amended on November
	17, 2011 • Incorporated by reference to Pre-Effective Amendment No. 1 to
	Registration Statement on Form N-4 (File No. 333-139695), as filed on July 6,
	2007, and by reference to Post-Effective Amendment No. 59 (File No. 033-
	75962), as filed on April 3, 2012.
(8.22)	Amendment No. 3 dated August 12, 2013 to Amended and Restated
	Participation Agreement as of December 30, 2005 by and among Franklin
	Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors,
	Inc., ING Life Insurance and Annuity Company, ING USA Annuity and Life
Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life
	Insurance Company of New York, Directed Services, LLC and ING Financial
Advisers, LLC and amended on June 5, 2007 and November 17, 2011 ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
	Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.23)	Amended and Restated Administrative Services Agreement executed as of
October 3, 2005, between Franklin Templeton Services, LLC, ING Life
	Insurance and Annuity Company, ING Insurance Company of America, ING
	USA Annuity and Life Insurance Company and ReliaStar Life Insurance
	Company · Incorporated by reference to Post-Effective Amendment No. 32 to
	Registration Statement on Form N-4 (File No. 033-81216), as filed on April 11,
	2006.
(8.24)	Amendment No. 1 dated May 17, 2006 to Amended and Restated
	Administrative Services Agreement dated October 3, 2005 by and among
	Franklin Templeton Services, LLC, ING Life Insurance and Annuity Company,
	ING USA Annuity and Life Insurance Company, ReliaStar Life Insurance
	Company and ReliaStar Life Insurance Company of New York and amended on
	November 11 2011 · Incorporated by reference to Post-Effective Amendment
	No. 59 to Registration Statement on Form N-4 (File No. 033-75962), as filed on
	April 3, 2012.

(8.25)	Amendment No. 3 dated July 31, 2013 to Amended and Restated Administrative
	Services Agreement dated October 3, 2005 by and among Franklin Templeton
	Services, LLC, ING Life Insurance and Annuity Company, ING USA Annuity
	and Life Insurance Company, ReliaStar Life Insurance Company and ReliaStar
	Life Insurance Company of New York and amended on May 17, 2006 and
	November 11, 2011 · Incorporated by reference to Post-Effective Amendment
	No. 6 to Registration Statement on Form N-4 (File No. 333-167680), as filed on
	April 7, 2014.
(8.26)	Rule 22c-2 Shareholder Information Agreement (Franklin Templeton Variable
	Insurance Products Trust) entered into as of April 16, 2007 among
Franklin/Templeton Distributors, Inc., ING Life Insurance and Annuity
	Company, ING USA Annuity and Life Insurance Company, ReliaStar Life
	Insurance Company and ReliaStar Life Insurance Company of New York ·
	Incorporated by reference to Post-Effective Amendment No. 50 to Registration
	Statement on Form N-4 (File No. 033-75962), as filed on June 15, 2007.
(8.27)	(Retail) Master Shareholder Services Agreement effective as of August 28, 2000
	among Franklin Templeton Distributors, Inc., Franklin Templeton Investor
	Services, Inc., and Aetna Life Insurance and Annuity Company · Incorporated
	by reference to Post-Effective Amendment No. 1 to Registration Statement on
	Form N-4 (File No. 333-109860), as filed on April 16, 2004.
(8.28)	(Retail) Amendment dated November 13, 2000 to the Master Shareholder
	Services Agreement effective as of August 28, 2000 among Franklin Templeton
	Distributors, Inc., Franklin Templeton Investor Services, LLC, and Aetna Life
	Insurance and Annuity Company and amended on February 1, 2002, May 1,
	2004 and July 1, 2010 · Incorporated by reference to Post-Effective Amendment
	No. 1 to Registration Statement on Form N-4 (File No. 333-109860), as filed on
	April 16, 2004, and by reference to Pre-Effective Amendment No. 40 (File No.
	333-01107), as filed on October 24, 2005, and by reference to Post-Effective
	Amendment No. 58 (File No. 333-01107), as filed on December 3, 2010.
(8.29)	(Retail) Fifth Amendment dated July 1, 2013 to the Master Shareholder Services
	Agreement dated August 28, 2000 between ING Life Insurance and Annuity
	Company, ING Financial Advisers, LLC, Franklin Templeton Investor Services,
	LLC and Franklin Templeton Distributors, Inc. and amended on November 13,
	2000, February 1, 2002, May 1, 2004 and July 1, 2010 · Incorporated by
	reference to Post-Effective Amendment No. 6 to Registration Statement on
	Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.30)	Rule 22c-2 Shareholder Information Agreement entered into as of April 16,
	2007 among Franklin/Templeton Distributors, Inc., ING Life Insurance and
	Annuity Company, ING USA Annuity and Life Insurance Company, ReliaStar
	Life Insurance Company and ReliaStar Life Insurance Company of New York ·
	Incorporated by reference to Post-Effective Amendment No. 3 to Registration
	Statement on Form N-4 (File No. 333-134760), as filed on July 27, 2007.

(8.31)	Participation Agreement dated April 30, 2003 among ING Life Insurance and
	Annuity Company, The GCG Trust (renamed effective May 1, 2003, ING
	Investors Trust) and Directed Services, Inc. · Incorporated by reference to Post-
	Effective Amendment No. 54 to Registration Statement on Form N-1A (File No.
	033-23512), as filed on August 1, 2003.
(8.32)	Amendment dated October 9, 2006 to the Participation Agreement dated April
	30, 2003 among ING Life Insurance and Annuity Company, ING Investors
	Trust and Directed Services, Inc. · Incorporated by reference to Post-Effective
	Amendment No. 47 to Registration Statement on Form N-4 (File No. 033-
	75962), as filed on November 21, 2006.
(8.33)	Participation Agreement dated as of November 28, 2001 among Portfolio
Partners, Inc., Aetna Life Insurance and Annuity Company and Aetna
Investment Services, LLC · Incorporated by reference to Post-Effective
	Amendment No. 30 to Registration Statement on Form N-4 (File No. 033-
	75962), as filed on April 8, 2002.
(8.34)	Amendment dated March 5, 2002 between Portfolio Partners, Inc. (renamed
	ING Partners, Inc. effective May 1, 2002), Aetna Life Insurance and Annuity
	Company (renamed ING Life Insurance and Annuity Company effective May
1, 2002) and Aetna Investment Services LLC (renamed ING Financial
	Advisers, LLC) to Participation Agreement dated November 28, 2001 and
	amended on May 1, 2003, November 1, 2004, April 29, 2005, August 31, 2005,
	December 7, 2005 and April 28, 2006 · Incorporated by reference to Post-
	Effective Amendment No. 30 to Registration Statement on Form N-4 (File No.
	033-75962), as filed on April 8, 2002, and by reference to Post-Effective
	Amendment No. 28 (File No. 033-75988), as filed on April 10, 2003, and by
	reference to Post-Effective Amendment No. 20 to Registration Statement on
	Form N-1A (File No. 333-32575), as filed on April 1, 2005, and by reference to
	Post-Effective Amendment No. 32 (File No. 033-81216), as filed on April 11,
	2006, and by reference to Initial Registration Statement on Form N-4 (File No.
	333-134760), as filed on June 6, 2006.
(8.35)	Shareholder Servicing Agreement (Service Class Shares) dated as of November
	27, 2001 between Portfolio Partners, Inc. and Aetna Life Insurance and Annuity
	Company · Incorporated by reference to Post-Effective Amendment No. 30 to
	Registration Statement on Form N-4 (File No. 033-75962), as filed on April 8,
	2002.
(8.36)	Amendment dated March 5, 2002 between Portfolio Partners, Inc. (to be
	renamed ING Partners, Inc. effective May 1, 2002) and Aetna Life Insurance
and Annuity Company (to be renamed ING Life Insurance and Annuity
	Company effective May 1, 2002) to the Shareholder Servicing Agreement
	(Service Class Shares) dated November 27, 2001 and amended on May 1, 2003,
	November 1, 2004, April 29, 2005, December 7, 2005 and April 28, 2006 ·
	Incorporated by reference to Post-Effective Amendment No. 30 to Registration
	Statement on Form N-4 (File No. 033-75962), as filed on April 8, 2002, and by

	reference to Post-Effective Amendment No. 28 (File No. 033-75988), as filed
	on April 10, 2003, and by reference to Post-Effective Amendment No. 32 (File
No. 033-81216), as filed on April 11, 2006, and by reference to Initial
	Registration Statement on Form N-4 (File No. 333-134760), as filed on June 6,
	2006.
(8.37)	Fund Participation Agreement dated as of May 1, 1998 by and among Aetna Life
	Insurance and Annuity Company and Aetna Variable Fund, Aetna Variable
	Encore Fund, Aetna Income Shares, Aetna Balanced VP, Inc., Aetna GET Fund
	on behalf of each of its series, Aetna Generation Portfolios, Inc. on behalf of
	each of its series, Aetna Variable Portfolios, Inc. on behalf of each of its series
and Aeltus Investment Management, Inc. · Incorporated by reference to
	Registration Statement on Form N-4 (File No. 333-56297), as filed on June 8,
	1998.
(8.38)	Amendment dated November 9, 1998 to Fund Participation Agreement dated as
	of May 1, 1998 by and among Aetna Life Insurance and Annuity Company and
	Aetna Variable Fund, Aetna Variable Encore Fund, Aetna Income Shares,
	Aetna Balanced VP, Inc., Aetna GET Fund on behalf of each of its series,
	Aetna Generation Portfolios, Inc. on behalf of each of its series, Aetna Variable
	Portfolios, Inc. on behalf of each of its series and Aeltus Investment
	Management, Inc. and amended on December 31, 1999, February 11, 2000,
	May 1, 2000, February 27, 2001 and June 19, 2001 · Incorporated by reference
	to Post-Effective Amendment No. 2 to Registration Statement on Form N-4
	(File No. 333-56297), as filed on December 14, 1998, and by reference to Post-
	Effective Amendment No. 19 (File No. 333-01107), as filed on February 16,
	2000, and by reference to Post-Effective Amendment No. 20 (File No. 333-
	01107), as filed on April 4. 2000, and by reference to Post-Effective
	Amendment No. 24 (File No. 333-01107), as filed on April 13, 2001, and by
	reference to Post-Effective Amendment No. 32 (File No. 033-75988), as filed
	on April 13, 2004.
(8.39)	Service Agreement effective as of May 1, 1998 between Aeltus Investment
Management, Inc. and Aetna Life Insurance and Annuity Company in
	connection with the sale of shares of Aetna Variable Fund, Aetna Variable
	Encore Fund, Aetna Income Shares, Aetna Balanced VP, Inc., Aetna GET Fund
	on behalf of each of its series, Aetna Generation Portfolios, Inc. on behalf of
	each of its series and Aetna Variable Portfolios, Inc. on behalf of each of its
	series · Incorporated by reference to Registration Statement on Form N-4 (File
	No. 333-56297), as filed on June 8, 1998.
(8.40)	Amendment dated November 4, 1998 and effective as of October 15, 1998 to
	Service Agreement effective as of May 1, 1998 between Aeltus Investment
Management, Inc. and Aetna Life Insurance and Annuity Company in
	connection with the sale of shares of Aetna Variable Fund, Aetna Variable
	Encore Fund, Aetna Income Shares, Aetna Balanced VP, Inc., Aetna GET Fund
	on behalf of each of its series, Aetna Generation Portfolios, Inc. on behalf of

	each of its series and Aetna Variable Portfolios, Inc. on behalf of each of its
	series and amended on February 11, 2000, May 1, 2000 and June 26, 2001 ·
	Incorporated by reference to Post-Effective Amendment No. 2 to Registration
	Statement on Form N-4 (File No. 333-56297), as filed on December 14, 1998,
	and by reference to Post-Effective Amendment No. 20 (File No. 333-01107), as
	filed on April 4, 2000, and by reference to Post-Effective Amendment No. 32
	(File No. 033-75988), as filed on April 13, 2004.
(8.41)	Fund Participation Agreement dated as of May 1, 2001 among Pilgrim Variable
	Products Trust, Aetna Life Insurance and Annuity Company and ING Pilgrim
	Securities, Inc. · Incorporated by reference to Post-Effective Amendment No. 26
	to Registration Statement on Form N-4 (File No. 333-01107), as filed on July
	13, 2001.
(8.42)	Amendment dated August 30, 2002 between ING Life Insurance and Annuity
	Company, ING Variable Products Trust (formerly known as Pilgrim Variable
	Products Trust) and ING Funds Distributor to Fund Participation Agreement
	dated May 1, 2001 · Incorporated by reference to Post-Effective Amendment
	No. 28 to Registration Statement on Form N-4 (File No. 033-75988), as filed on
	April 10, 2003.
(8.43)	(Retail) Fund Participation Agreement dated January 29, 2001 by and among
	Aetna Life Insurance and Annuity Company and ING Pilgrim Securities, Inc. ·
	Incorporated by reference to Post-Effective Amendment No. 41 to Registration
Statement on Form N-4 (File No. 033-75988), as filed on April 8, 2008.
(8.44)	(Retail) Selling and Services Agreement dated January 29, 2001 by and among
	Aetna Investment Services, LLC, Aetna Life Insurance and Annuity Company
	and ING Pilgrim Securities, Inc. · Incorporated by reference to Post-Effective
	Amendment No. 41 to Registration Statement on Form N-4 (File No. 033-
	75988), as filed on April 8, 2008.
(8.45)	Administrative and Shareholder Services Agreement dated April 1, 2001
	between ING Funds Services, LLC and ING Life Insurance and Annuity
	Company (Administrator for ING Variable Products Trust) · Incorporated by
	reference to Post-Effective Amendment No. 28 to Registration Statement on
	Form N-4 (File No. 033-75988), as filed on April 10, 2003.
(8.46)	Rule 22c-2 Agreement dated no later than April 16, 2007 is effective October
	16, 2007 between ING Funds Services, LLC, ING Life Insurance and Annuity
	Company, ING National Trust, ING USA Annuity and Life Insurance Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York, Security Life of Denver Insurance Company and Systematized Benefits
	Administrators Inc. · Incorporated by reference to Post-Effective Amendment
	No. 50 to Registration Statement on Form N-4 (File No. 033-75962), as filed on
	June 15, 2007.

(8.47)	(Retail) Participation Agreement dated as of October 1, 2000 by and among
AIM Equity Funds, AIM Distributors, Inc., and Aetna Life Insurance and
	Annuity Company · Incorporated by reference to Initial Registration Statement
	on Form N-4 (File No. 333-105479), as filed on May 22, 2003.
(8.48)	(Retail) Amendment No. 1 dated January 1, 2003 to Participation Agreement
dated as of October 1, 2000 by and among AIM Equity Funds, Invesco
	Distributors, Inc. (f/k/a/ AIM Distributors, Inc.), and ING Life Insurance and
	Annuity Company (f/k/a Aetna Life Insurance and Annuity Company) and
	amended on March 31, 2011 and January 1, 2012 · Incorporated by reference to
	Post-Effective Amendment No. 2 to Registration Statement on Form N-4 (File
	No. 333-105479), as filed on April 21, 2004 and by reference to Post-Effective
	Amendment No. 59 (File No. 033-75962), as filed on April 3, 2012.
(8.49)	(Retail) Fourth Amendment dated September 24, 2012 to Participation
	Agreement dated as of October1, 2000 and amended on January 1, 2003, March
	31, 2011 and January 1, 2012 by and among ING Life Insurance and Annuity
Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance
	Company of New York, ING Financial Advisers, Inc., Invesco Investment
	Services, Inc. and Invesco Distributors, Inc. · Incorporated by reference to Post-
	Effective Amendment No. 11 to Registration Statement on Form N-4 (File No.
	333-130822), as filed on April 3, 2013.
(8.50)	Rule 22c-2 Agreement dated no later than April 16, 2007 and is effective as of
	October 16, 2007 between AIM Investment Services, Inc., ING Life Insurance and
	Annuity Company, ING National Trust, ING USA Annuity and Life Insurance
	Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company
	of New York, Security Life of Denver Insurance Company and Systematized
Benefits Administrators Inc. · Incorporated by reference to Post-Effective
	Amendment No. 50 to Registration Statement on Form N-4 (File No. 033-75962),
	as filed on June 15, 2007.
(8.51)	(Retail) Selling and Services Agreement dated as of March 1, 2001 by and among
	Aetna Investment Services, LLC, Aetna Life Insurance and Annuity Company and
	Lord Abbett Distributor LLC · Incorporated by reference to Post-Effective
Amendment No. 15 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on April 25, 2012.

(8.52)	(Retail) Amendment No. 1 to the Selling and Services Agreement dated as of July
	25, 2002 by and among ING Financial Advisers, LLC (formerly known as Aetna
	Investment Services, LLC), ING Life Insurance and Annuity Company (formerly
	known as Aetna Life Insurance and Annuity Company), Lord Abbett Distributor
	LLC, Lord Abbett Affiliated Fund, Inc., Lord Abbett Bond-Debenture Fund, Inc.,
	Lord Abbett Mid-Cap Value Fund, Inc. and Lord, Abbett & Co. LLC amended on
	September 26, 2003, September 1, 2004, October 1, 2007, August 12, 2008,
	August 31, 2008, September 30, 2009 and November 30, 2010 · Incorporated by
	reference to Post-Effective Amendment No. 15 to Registration Statement on Form
	N-4 (File No. 333-105479), as filed on April 25, 2012, and by reference to Post-
	Effective Amendment No. 9 (File No. 333-109860), as filed on April 17, 2007.
(8.53)	Rule 22c-2 Agreement effective April 16, 2007 and operational on October 16,
	2007 among Lord Abbett Distributor LLC, ING Life Insurance and Annuity
	Company, ING National Trust, ING USA Annuity and Life Insurance Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York, Security Life of Denver Insurance Company and Systematized Benefits
	Administrators Inc. · Incorporated by reference to Post-Effective Amendment No.
	50 to Registration Statement on Form N-4 (File No. 033-75962), as filed on June
	15, 2007.
(8.54)	(Retail) Selling and Services Agreement and Fund Participation Agreement made
	and entered into as of September 11, 2007 by and among ING Life Insurance and
	Annuity Company, ING Financial Advisers, LLC and Nuveen Investments, LLC ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.55)	(Retail) Replacement Attachment A dated July 30, 2009 to the Selling and
	Services Agreement and Fund Participation Agreement dated September 11, 2007
	· Incorporated by reference to Post-Effective Amendment No. 6 to Registration
Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.56)	(Retail) First Amendment dated December 1, 2010 to the Selling and Services
	Agreement and Participation Agreement dated September 11, 2007 by and
	between ING Life Insurance and Annuity Company, ING Institutional Plan
	Services, LLC, ING Financial Advisers, LLC and Nuveen Investments, LLC ·
	Incorporated by reference to Post-Effective Amendment No. 6 to Registration
Statement on Form N-4 (File No. 333-167680), as filed on April 7, 2014.
(8.57)	(Retail) Second Amendment dated June 1, 2013 to the Selling and Services
	Agreement and Participation Agreement dated September 11, 2007 by and
	between ING Life Insurance and Annuity Company, ING Institutional Plan
	Services, LLC, ING Financial Advisers, LLC and Nuveen Investments, LLC and
	amended on December 1, 2010 · Incorporated by reference to Post-Effective
	Amendment No. 6 to Registration Statement on Form N-4 (File No. 333-167680),
	as filed on April 7, 2014.

(8.58)	Rule 22c-2 Agreement dated no later than April 16, 2007 and is effective as of
	October 16, 2007 between Nuveen Investments, LLC, ING Life Insurance and
	Annuity Company, ING National Trust, ING USA Annuity and Life Insurance
	Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company
	of New York, Security Life of Denver Insurance Company and Systematized
Benefits Administrators Inc. · Incorporated by reference to Post-Effective
	Amendment No. 6 to Registration Statement on Form N-4 (File No. 333-167680),
	as filed on April 7, 2014.
(8.59)	Parnassus Selling and Services Agreement and Fund Participation Agreement
	dated 2008 by and between ING Life Insurance and Annuity Company, ING
	Financial Advisers, LLC, and Parnassus Funds Distributor · Incorporated by
	reference to Initial Registration Statement on Form N-4 (File No. 333-167680), as
	filed on June 22, 2010.
(8.60)	Rule 22c-2 Agreement made and entered as of this 1 day of September, 2008
	between Parnassus Funds Distributors and ING Life Insurance and Annuity
	Company, ING National Trust, ING USA Annuity and Life Insurance Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York and Systematized Benefits Administrators Inc. · Incorporated by reference
	to Initial Registration Statement on Form N-4 (File No. 333-167680), as filed on
	June 22, 2010.
(8.61)	(Retail) Selling and Services Agreement and Fund Participation Agreement as of
	October 15, 2009 by and among ING Life Insurance and Annuity Company, ING
	Institutional Plan Services, LLC, ING Financial Advisers, LLC, Pax World Funds
	Series Trust I and ALPS Distributors, Inc., and amended on June 4, 2010 ·
	Incorporated by reference to Post-Effective Amendment No. 56 to Registration
	Statement on Form N-4 (File No. 333-01107), as filed on December 18, 2009, and
	by reference to Post-Effective Amendment No. 58 (File No. 033-75962), as filed
	on December 16, 2011.
(8.62)	(Retail) Rule 22c-2 Agreement dated October 15, 2009 between ALPS
	Distributors, Inc., ING Life Insurance and Annuity Company, ING National Trust,
ING USA Annuity and Life Insurance Company, ReliaStar Life Insurance
	Company, ReliaStar Life Insurance Company of New York and Systematized
Benefits Administrators Inc. · Incorporated by reference to Post-Effective
	Amendment No. 56 to Registration Statement on Form N-4 (File No. 333-01107),
	as filed on December 18, 2009.
(8.63)	Novation of Amendment to Participation Agreement dated as of January 26, 2011
	and effective as of February 14, 2011 by and among Allianz Global Investors
	Distributors LLC, PIMCO Investments LLC, PIMCO Variable Insurance Trust,
	ING Life Insurance and Annuity Company, ING USA Annuity and Life Insurance
	Company, ReliaStar Life Insurance Company and ReliaStar Life Insurance
	Company of New York · Incorporated by reference to Post-Effective Amendment
	No. 15 to Registration Statement on Form N-4 (File No. 333-105479), as filed on
	April 25, 2012.

(8.64)	Participation Agreement dated as of May 1, 2004 among ING Life Insurance and
Annuity Company, ReliaStar Life Insurance Company, PIMCO Variable
	Insurance Trust and PA Distributors LLC · Incorporated by reference to Post-
	Effective Amendment No. 38 to Registration Statement on Form N-4 (File No.
	333-01107), as filed on February 11, 2005.
(8.65)	First Amendment dated August 15, 2007 to Participation Agreement among ING
	Life Insurance and Annuity Company, ReliaStar Life Insurance Company,
	PIMCO Variable Insurance Trust and Allianz Global Investors Distributors LLC
	dated as of May 1, 2004 · Incorporated by reference to Post-Effective Amendment
	No. 51 to Registration Statement on Form N-4 (File No. 333-01107), as filed on
	May 23, 2008.
(8.66)	Services Agreement dated as of May 1, 2004 between PIMCO Variable Insurance
	Trust (the "Trust") and ING Life Insurance and Annuity Company, and ReliaStar
Life Insurance Company · Incorporated by reference to Post-Effective
	Amendment No. 38 to Registration Statement on Form N-4 (File No. 333-01107),
	as filed on February 11, 2005.
(8.67)	First Amendment dated August 15, 2007 to Services Agreement between PIMCO
Variable Insurance Trust, ING Life Insurance and Annuity Company and
	ReliaStar Life Insurance Company dated as of May 1, 2004 · Incorporated by
	reference to Post-Effective Amendment No. 51 to Registration Statement on Form
	N-4 (File No. 333-01107), as filed on May 23, 2008.
(8.68)	Services Agreement effective as of May 1, 2004 between Pacific Investment
	Management Company LLC (“PIMCO”) and ING Life Insurance and Annuity
	Company, and ReliaStar Life Insurance Company · Incorporated by reference to
	Post-Effective Amendment No. 38 to Registration Statement on Form N-4 (File
	No. 333-01107), as filed on February 11, 2005.
(8.69)	First Amendment dated August 15, 2007 to Services Agreement between Pacific
	Investment Management Company LLC (“PIMCO”), ING Life Insurance and
Annuity Company, ReliaStar Life Insurance Company and Allianz Global
Investors Distributors LLC effective as of May 1, 2004 · Incorporated by
	reference to Post-Effective Amendment No. 51 to Registration Statement on Form
	N-4 (File No. 333-01107), as filed on May 23, 2008.
(8.70)	(Retail) Selling and Services Agreement and Fund Participation Agreement dated
	March 11, 2003 by and among ING Life Insurance and Annuity Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York, ING Financial Advisers, LLC and PIMCO Advisors Distributors LLC ·
	Incorporated by reference to Post-Effective Amendment No. 55 to Registration
Statement on Form N-4 (File No. 333-01107), as filed on April 15, 2009.

(8.71)	(Retail) First Amendment entered into as of December 31, 2003 to Selling and
Services Agreement and Fund Participation Agreement between ING Life
	Insurance and Annuity Company, ReliaStar Life Insurance Company, ReliaStar
	Life Insurance Company of New York, ING Financial Advisers, LLC and PIMCO
	Advisors Distributors LLC dated as of March 11, 2003 and amended on December
	31, 2003, July 1, 2005, October 1, 2008 and March 10, 2009 · Incorporated by
	reference to Post-Effective Amendment No. 55 to Registration Statement on Form
	N-4 (File No. 333-01107), as filed on April 15, 2009, and by reference to Post-
	Effective Amendment No. 56 (File No. 333-01107), as filed on December 18,
	2009.
(8.72)	Rule 22c-2 Agreement dated no later than April 16, 2007, is effective as of the
	16th day of October, 2007 between Allianz Global Investors Distributors LLC,
	ING Life Insurance and Annuity Company, ING National Trust, ING USA
Annuity and Life Insurance Company, ReliaStar Life Insurance Company,
ReliaStar Life Insurance Company of New York, Security Life of Denver
	Insurance Company and Systematized Benefits Administrators Inc. · Incorporated
	by reference to Pre-Effective Amendment No. 1 to Registration Statement on
	Form N-4 (File No. 333-139695), as filed on July 6, 2007.
(8.73)	(Retail) Fund Participation Agreement dated as of October 10, 2000 between
	Aetna Life Insurance and Annuity Company, T. Rowe Price Investment Services,
	Inc. and T. Rowe Price Services, Inc. · Incorporated by reference to Post-Effective
	Amendment No. 1 to Registration Statement on Form N-4 (File No. 333-109860),
	as filed on April 16, 2004.
(8.74)	(Retail) Amendment effective January 1, 2001 to Fund Participation Agreement
dated as of October 10, 2000 between Aetna Life Insurance and Annuity
	Company, T. Rowe Price Investment Services, Inc. and T. Rowe Price Services,
	Inc. and amended on January 1, 2002, January 1, 2003 and March 4, 2003 ·
	Incorporated by reference to Post-Effective Amendment No. 1 to Registration
Statement on Form N-4 (File No. 333-109860), as filed on April 16, 2004.
(8.75)	Rule 22c-2 Agreement dated April 16, 2007 and is effective as of October 16,
	2007 between T. Rowe Price Services, Inc., ING Life Insurance and Annuity
	Company, ING National Trust, ING USA Annuity and Life Insurance Company,
	ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New
	York, Security Life of Denver Insurance Company and Systematized Benefits
	Administrators Inc. · Incorporated by reference to Post-Effective Amendment No.
	10 to Registration Statement on Form N-4 (File No. 333-105479), as filed on April
	11, 2008.
(8.76)	Fund Participation Agreement effective as of May 1, 2004 between Wanger
	Advisors Trust, Columbia Wanger Asset Management, LP, ING Life Insurance
	and Annuity Company, and ReliaStar Life Insurance Company · Incorporated by
	reference to Post-Effective Amendment No. 38 to Registration Statement on Form
	N-4 (File No. 333-01107), as filed on February 11, 2005.

(8.77)	First Amendment dated May 7, 2007 to Fund Participation Agreement effective as
	of May 1, 2004 between Columbia Wanger Asset Management, LP, Wanger
	Advisors Trust, ING Life Insurance and Annuity Company and ReliaStar Life
	Insurance Company · Incorporated by reference to Post-Effective Amendment
	No. 53 to Registration Statement on Form N-4 (File No. 333-01107), as filed on
	August 18, 2008.
(8.78)	Service Agreement with Investment Adviser effective as of May 1, 2004 between
	Columbia Wanger Asset Management, LP, ING Life Insurance and Annuity
	Company, ING Insurance Company of America, and ReliaStar Life Insurance
	Company · Incorporated by reference to Post-Effective Amendment No. 38 to
	Registration Statement on Form N-4 (File No. 333-01107), as filed on February
	11, 2005.
(8.79)	Rule 22c-2 Agreement dated April 16, 2007 and is effective as of October 16,
	2007 among Columbia Management Services, Inc., ING Life Insurance and
	Annuity Company, ING National Trust, ING USA Annuity and Life Insurance
	Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company
	of New York, Security Life of Denver Life Insurance Company and Systematized
	Benefits Administrators Inc. · Incorporated by reference to Post-Effective
	Amendment No. 45 to Registration Statement on Form N-4 (File No. 333-01107),
	as filed on April 13, 2007.
(8.80)	(Retail) Participation Agreement dated August 19, 2002 by and among Strong
	Investor Services, Inc., Strong Investments, Inc. and ING Life Insurance and
	Annuity Company · Incorporated by reference to Post-Effective Amendment No.
	8 to Registration Statement on Form N-4 (File No. 333-105479), as filed on April
	12, 2007.
(8.81)	(Retail) First Amendment effective October 30, 2006 to Participation Agreement
	dated August 19, 2002 among ING Life Insurance and Annuity Company, Wells
	Fargo Funds Management, LLC and Wells Fargo Funds Distributor, LLC and
	amended on August 1, 2007 and April 1, 2008 · Incorporated by reference to
	Post-Effective Amendment No. 8 to Registration Statement on Form N-4 (File
	No. 333-109860), as filed on April 13, 2007, and by reference to Post-Effective
	Amendment No. 10 (File No. 333-105479), as filed on April 11, 2008, and by
	reference to Post-Effective Amendment No. 12 (File No. 333-105479), as filed on
	April 9, 2010.
(8.82)	(Retail) Consent to Assign Certain Agreement(s) agreed and accepted as of April
	8, 2005 between Wells Fargo Funds Distribution, LLC, Wells Fargo Funds
	Management, LLC and ING Life Insurance and Annuity Company · Incorporated
	by reference to Post-Effective Amendment No. 8 to Registration Statement on
	Form N-4 (File No. 333-105479), as filed on April 12, 2007.

(8.83)	Rule 22c-2 Agreement dated April 16, 2007 and is effective as of October 16,
	2007 between Wells Fargo Funds Distributor, LLC, ING Life Insurance and
	Annuity Company, ING National Trust, ING USA Annuity and Life Insurance
	Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company
	of New York, Security Life of Denver Life Insurance Company and Systematized
	Benefits Administrators Inc. · Incorporated by reference to Post-Effective
	Amendment No. 10 to Registration Statement on Form N-4 (File No. 333-
	105479), as filed on April 11, 2008.
(9)	Opinion and Consent of Counsel
(10)	Consent of Independent Registered Public Accounting Firm
(11)	Not applicable
(12)	Not applicable
(13)	Powers of Attorney

Item 25. Directors and Officers of the Depositor*
Name	Principal Business Address	Positions and Offices with Depositor
Alain M. Karaoglan	230 Park Avenue	Director and President
	New York, NY 10169
Rodney O. Martin, Jr.	230 Park Avenue	Director and Chairman
	New York, NY 10169
Chetlur S. Ragavan	230 Park Avenue	Director, Executive Vice President and
	New York, NY 10169	Chief Risk Officer
Michael S. Smith	1475 Dunwoody Drive	Director
	West Chester, PA 19380
Ewout L. Steenbergen	230 Park Avenue	Director and Executive Vice President,
	New York, NY 10169	Finance
Bridget M. Healy	230 Park Avenue	Executive Vice President and Chief
	New York, NY 10169	Legal Counsel
Tina A. Campbell	30 Braintree Hill Office Park	Senior Vice President and Deputy
	Floors 2-4	General Counsel
	Braintree, MA 02184
Boyd G. Combs	5780 Powers Ferry Road, N.W.	Senior Vice President, Tax
	Atlanta, GA 30327-4390
Ralph R. Ferraro	One Orange Way	Senior Vice President
	Windsor, CT 06095-4774
Michael J. Gioffre	One Orange Way	Senior Vice President, Compliance
	Windsor, CT 06095-4774
Howard F. Greene	230 Park Avenue	Senior Vice President, Compensation
	New York, NY 10169
Megan A. Huddleston	One Orange Way	Senior Vice President and Assistant
	Windsor, CT 06095-4774	Secretary

Name	Principal Business Address	Positions and Offices with Depositor
Christine L. Hurtsellers	5780 Powers Ferry Road, N.W.	Senior Vice President
	Atlanta, GA 30327-4390
Carolyn M. Johnson	One Orange Way	Senior Vice President
	Windsor, CT 06095-4774
Mark B. Kaye	One Orange Way	Senior Vice President and Chief
	Windsor, CT 06095-4774	Financial Officer
Patrick D. Lusk	1475 Dunwoody Drive	Senior Vice President and Appointed
	West Chester, PA 19380	Actuary
Richard T. Mason	One Orange Way	Senior Vice President
	Windsor, CT 06095-4774
Gilbert E. Mathis	5780 Powers Ferry Road, N.W.	Senior Vice President
	Atlanta, GA 30327-4390
David S. Pendergrass	5780 Powers Ferry Road, N.W.	Senior Vice President and Treasurer
	Atlanta, GA 30327-4390
Steven T. Pierson	5780 Powers Ferry Road, N.W.	Senior Vice President and Chief
	Atlanta, GA 30327-4390	Accounting Officer
Jennifer M. Ogren	20 Washington Avenue South	Secretary
	Minneapolis, MN 55401
Justin Smith	One Orange Way	Senior Vice President and Deputy
	Windsor, CT 06095-4774	General Counsel
Anne M. Iezzi	One Orange Way	Vice President and Chief Compliance
	Windsor, CT 06095-4774	Officer
Brian J. Baranowski	One Orange Way	Vice President, Compliance
	Windsor, CT 06095-4774
Kristi L. Cooper	909 Locust Street	Vice President, Compliance
	Des Moines, IA 50309
Chad M. Eslinger	20 Washington Avenue South	Vice President, Compliance
	Minneapolis, MN 55401
Regina A. Gordon	One Orange Way	Vice President, Compliance
	Windsor, CT 06095-4774
Spencer T. Shell	5780 Powers Ferry Road, N.W.	Vice President and Assistant Treasurer
	Atlanta, GA 30327-4390

* These individuals may also be directors and/or officers of other affiliates of the Company. 

Item 26. Persons Controlled by or Under Common Control with the Depositor or Registrant 

Incorporated herein by reference to Item 26 in Pre-Effective Amendment No. 1 to Registration 

Statement on Form N-4 for Separate Account B of Voya Insurance and Annuity Company (File 

No. 333-196391), as filed with the Securities and Exchange Commission on November 21, 2014. 

Item 27. Number of Contract Owners 

As of November 30, 2014, there were 632,515 individuals holding interests in variable annuity 

contracts funded through Variable Annuity Account C of Voya Retirement Insurance and 

Annuity Company. 

Item 28. Indemnification 

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(2); (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 29. Principal Underwriter
(a)	In addition to serving as the principal underwriter for the Registrant, Voya Financial
	Partners, LLC acts as the principal underwriter for Variable Life Account B of Voya
	Retirement Insurance and Annuity Company (VRIAC), Variable Annuity Account C of
	VRIAC, Variable Annuity Account I of VRIAC and Variable Annuity Account G of
	VRIAC (separate accounts of VRIAC registered as unit investment trusts under the 1940
	Act). Voya Financial Partners, LLC is also the principal underwriter for (i) Separate
	Account N of ReliaStar Life Insurance Company (RLIC) (a separate account of RLIC
	registered as a unit investment trust under the 1940 Act), (ii) ReliaStar Select Variable
	Account of ReliaStar Life Insurance Company (a separate account of RLIC registered as a
	unit investment trust under the 1940 Act), (iii) MFS ReliaStar Variable Account (a separate
	account of RLIC registered as a unit investment trust under the 1940 Act), (iv) Northstar
	Variable Account (a separate account of RLIC registered as a unit investment trust under
	the 1940 Act), (v) ReliaStar Life Insurance Company of New York Variable Annuity
	Funds A, B and C (a management investment company registered under the 1940 Act), (vi)
	ReliaStar Life Insurance Company of New York Variable Annuity Funds D, E, F, G, H and
	I (a management investment company registered under the 1940 Act), (vii) ReliaStar Life
	Insurance Company of New York Variable Annuity Funds M, P and Q (a management
	investment company registered under the1940 Act), and (viii) ReliaStar Life Insurance
	Company of New York Variable Annuity Funds M and P (a management investment
	company registered under the1940 Act).
(b)	The following are the directors and officers of the Principal Underwriter:

Name	Principal Business Address	Positions and Offices with Underwriter
James L. Nichols, IV	One Orange Way	Director and President
	Windsor, CT 06095-4774
Thomas W. Halloran	30 Braintree Hill Office Park	Director
	Floors 2-4
	Braintree, MA 02184
Richard H. Linton, Jr.	One Orange Way	Director
	Windsor, CT 06095-4774

Name	Principal Business Address	Positions and Offices with Underwriter
Regina A. Gordon	One Orange Way	Chief Compliance Officer
	Windsor, CT 06095-4774
Kristin H. Hultgren	One Orange Way	Chief Financial Officer
	Windsor, CT 06095-4774
Brian M. Wilson	One Orange Way	Assistant Chief Financial Officer
	Windsor, CT 06095-4774
Joseph J. Elmy	5780 Powers Ferry Road, N.W.	Senior Vice President, Tax
	Atlanta, GA 30327-4390
Megan A. Huddleston	One Orange Way	Senior Vice President and Secretary
	Windsor, CT 06095-4774
David S. Pendergrass	5780 Powers Ferry Road, N.W.	Senior Vice President and Treasurer
	Atlanta, GA 30327-4390
M. Bishop Bastien	1474 Stone Point Drive, Suite 129	Vice President
	Roseville, CA 95661
Dianne C. Bogoian	One Orange Way	Vice President
	Windsor, CT 06095-4774
Mary K. Carey-Reid	One Orange Way	Vice President
	Windsor, CT 06095-4774
Nancy D. Clifford	One Orange Way	Vice President
	Windsor, CT 06095-4774
William P. Elmslie	One Orange Way	Vice President
	Windsor, CT 06095-4774
Bernard P. Heffernon	10740 Nall Avenue, Suite 120	Vice President
	Overland Park, KS 66211
Mark E. Jackowitz	22 Century Hill Drive, Suite 101	Vice President
	Latham, NY 12110
Carol B. Keen	One Orange Way	Vice President
	Windsor, CT 06095-4774
David A. Kelsey	One Orange Way	Vice President
	Windsor, CT 06095-4774
George D. Lessner, Jr.	15455 North Dallas Parkway	Vice President
	Suite 1250
	Addison, TX 75001
David J. Linney	2900 North Loop West, Suite 180	Vice President
	Houston, TX 77092
Richard T. Mason	One Orange Way	Vice President
	Windsor, CT 06095-4774
Michael J. Pise	One Orange Way	Vice President
	Windsor, CT 06095-4774

Name	Principal Business Address	Positions and Offices with Underwriter
Spencer T. Shell	5780 Powers Ferry Road, N.W.	Vice President and Assistant Treasurer
	Atlanta, GA 30327-4390
Frank W. Snodgrass	9020 Overlook Blvd.	Vice President
	Brentwood, TN 37027
Judeen T. Wrinn	One Orange Way	Vice President
	Windsor, CT 06095-4774
Nancy B. Stillman	One Orange Way	Assistant Vice President
	Windsor, CT 06095-4774
C. Nikol Gianopoulos	20 Washington Avenue South	Assistant Secretary
	Minneapolis, MN 55401
Angelia M. Lattery	20 Washington Avenue South	Assistant Secretary
	Minneapolis, MN 55401
Tina M. Nelson	20 Washington Avenue South	Assistant Secretary
	Minneapolis, MN 55401
Melissa A. O’Donnell	20 Washington Avenue South	Assistant Secretary
	Minneapolis, MN 55401
Jennifer M. Ogren	20 Washington Avenue South	Assistant Secretary
	Minneapolis, MN 55401
James D. Ensley	5780 Powers Ferry Road, N.W.	Tax Officer
	Atlanta, GA 30327-4390
Terry L. Owens	5780 Powers Ferry Road, N.W.	Tax Officer
	Atlanta, GA 30327-4390

(c) Compensation to Principal Underwriter during last fiscal year:
(1)		(2)	(3)	(4)	(5)
Name of		Net Underwriting	Compensation
Principal		Discounts and	on Redemption	Brokerage
Underwriter		Commissions	or Annuitization	Commissions	Compensation*
Voya Financial					$54,391,135.63
Partners, LLC
*	Reflects compensation paid to Voya Financial Partners, LLC attributable to regulatory and
	operating expenses associated with the distribution of all registered variable annuity
	products issued by Variable Annuity Account C of Voya Retirement Insurance and
	Annuity Company during 2013.

Item 30.	Location of Accounts and Records
All accounts, books and other documents required to be maintained by Section 31(a) of the 1940
Act and the rules under it relating to the securities described in and issued under this Registration
Statement are maintained by Voya Retirement Insurance and Annuity Company at One Orange
Way, Windsor, Connecticut 06095-4774 and at Voya Services Company at 5780 Powers Ferry
Road, NW, Atlanta, Georgia 30327-4390.
Item 31.	Management Services
Not applicable
Item 32.	Undertakings
Registrant hereby undertakes:
(a)	to file a post-effective amendment to this registration statement on Form N-4 as
	frequently as is necessary to ensure that the audited financial statements in the
	registration statement are never more than sixteen months old for as long as payments
	under the variable annuity contracts may be accepted;
(b)	to include as part of any application to purchase a contract offered by a prospectus
	which is part of this registration statement on Form N-4, a space that an applicant can
	check to request a Statement of Additional Information; and
(c)	to deliver any Statement of Additional Information and any financial statements
	required to be made available under this Form N-4 promptly upon written or oral
	request.
The Company hereby represents that with respect to plans established pursuant to Section 403(b)
of the Internal Revenue Code of 1986, as amended, that are subject to the Employee Retirement
Income Security Act of 1974, as amended (“ERISA”), it is relying on and complies with the
terms of the SEC Staff’s No-Action Letter dated August 30, 2012, with respect to participant
acknowledgement of and language concerning withdrawal restrictions applicable to such plans.
See ING Life Insurance and Annuity Company; S.E.C. No-Action Letter, 2012 WL 3862169,
August 30, 2012.
Except in relation to 403(b) plans subject to ERISA, the Company hereby represents that it is
relying on and complies with the provisions of Paragraphs (1) through (4) of the SEC Staff’s No-
Action Letter dated November 28, 1988, with respect to language concerning withdrawal
restrictions applicable to plans established pursuant to Section 403(b) of the Internal Revenue
Code of 1986, as amended. See American Council of Life Insurance; S.E.C. No-Action Letter,
1988 WL 1235221, November 28, 1988.
Insofar as indemnification for liability 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 of 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. 

Voya Retirement Insurance and Annuity Company represents that the fees and charges deducted 

under the contracts covered by this registration statement, in the aggregate, are reasonable in 

relation to the services rendered, the expenses expected to be incurred, and the risks assumed by 

the insurance company. 

	SIGNATURES
As required by the Securities Act of 1933, and the Investment Company Act of 1940, the Registrant,
Variable Annuity Account C of Voya Retirement Insurance and Annuity Company, certifies that it
meets the requirements of Securities Act Rule 485(b) for effectiveness of this Post-Effective
Amendment to its Registration Statement on Form N-4 (File No. 333-105479) and has duly caused this
Post-Effective Amendment to be signed on its behalf by the undersigned, thereunto duly authorized, in
the Town of Windsor, State of Connecticut, on the 16th day of December, 2014.
	VARIABLE ANNUITY ACCOUNT C OF
	VOYA RETIREMENT INSURANCE AND ANNUITY
	COMPANY
	(Registrant)
	By:	VOYA RETIREMENT INSURANCE AND
		ANNUITY COMPANY
		(Depositor)
	By:	Alain M. Karaoglan*
		Alain M. Karaoglan
		President
		(principal executive officer)
As required by the Securities Act of 1933, this Post-Effective Amendment No. 19 to the
Registration Statement has been signed by the following persons in the capacities and on the date
indicated.
Signature	Title			Date
Alain M. Karaoglan*	Director and President		)
Alain M. Karaoglan	(principal executive officer)		)
			)
Mark B. Kaye*	Senior Vice President and Chief Financial Officer		)
Mark B. Kaye	(principal financial officer)		)
			)
Steven T. Pierson*	Senior Vice President and Chief Accounting Officer		)	December
Steven T. Pierson	(principal accounting officer)		)	16, 2014
			)
Rodney O. Martin, Jr.*	Director		)
Rodney O. Martin, Jr.			)
			)
Chetlur S. Ragavan*	Director		)
Chetlur S. Ragavan			)
			)
Michael S. Smith*	Director		)
Michael S. Smith			)

Ewout L. Steenbergen*	Director	)
Ewout L. Steenbergen		)
By: /s/J. Neil McMurdie
J. Neil McMurdie
*Attorney-in-Fact

	VARIABLE ANNUITY ACCOUNT C
	EXHIBIT INDEX
Exhibit No.	Exhibit
24(b)(9)	Opinion and Consent of Counsel
24(b)(10)	Consent of Independent Registered Public Accounting Firm
24(b)(13)	Powers of Attorney