PART A

Voya Retirement Insurance and Annuity Company

and its

Variable Annuity Account C

Voya MAP Plus NP^SM

Supplement Dated May 1, 2018 to the Contract Prospectus and
Contract Prospectus Summary

This supplement updates and amends certain information contained in your variable annuity Contract Prospectus and Contract Prospectus Summary. Please read it carefully and keep it with your Contract Prospectus and Contract Prospectus Summary 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 Multi-Manager Large Cap Core Portfolio.

Notice of and Important Information About Upcoming Fund Reorganizations

On March 15, 2018, the Board of Trustees of Voya Investors Trust approved a proposal to reorganize the Voya Multi-Manager Large Cap Core Portfolio (the “Reorganization”). Subject to shareholder approval, effective after the close of business on or about August 24, 2018 (the “Reorganization Date”), Class I and Class S shares of the Voya Multi-Manager Large Cap Core Portfolio (the “Merging Fund”) will reorganize with and into Class I shares of the Voya Index Plus LargeCap Portfolio (the “Surviving Fund”).

Merging Fund

Surviving Fund

Voya Multi-Manager Large Cap Core Portfolio

(Class I and Class S)

Voya Index Plus LargeCap Portfolio (Class I)

If shareholders of the Merging Fund approve the Reorganization, from the close of business on August 10, 2018, through the close of business on August 24, 2018, the Merging Fund will be in a “transition period” during which time a transition manager will sell all or most of its assets and the transition manager may hold a large portion of the Merging Fund’s assets in temporary investments. During this time, the Merging Fund may not be pursuing its investment objective and strategies and limitations on permissible investments and investment restrictions will not apply. The sales and purchases of securities during the transition period are expected to result in buy and sell transactions and such transactions may be made at a disadvantageous time.

Voluntary Transfers Before the Reorganization Date. Prior to the Reorganization Date, you may transfer amounts allocated to the subaccount that invests in a Merging Fund 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 Fund will automatically become an investment in the subaccount that invests in the corresponding Surviving Fund 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.

Please note that all existing account balances invested in Class S shares of the Voya Multi-Manager Large Cap Core Portfolio will automatically become investments in the subaccount that invests in Class I shares of the Voya Index Plus LargeCap Portfolio. Class I shares have lower total fund expenses than Class S shares, and the effect of this transaction is to give contract owners an investment in a similar fund managed by the same investment adviser at a lower cost.

X.109860-18

Page 1 of 2

May 2018

Automatic Fund Reallocation After the Reorganization Date. After the Reorganization Date, the Merging Fund 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 Fund will be automatically allocated to the subaccount that invests in the corresponding Surviving Fund. 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 990063, Hartford, CT 06199-0063 or calling us at 1-800-584-6001.

Information about the Surviving Fund. Summary information about the Voya Index Plus LargeCap Portfolio (Class I) can be found in APPENDIX IV – FUND DESCRIPTIONS in your Contract Prospectus or Contract Prospectus Summary. More detailed information can be found in the current prospectus and Statement of Additional Information for that fund.

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

1-800-584-6001

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.

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.109860-18

Page 2 of 2

May 2018

Voya Retirement Insurance and Annuity Company

Variable Annuity Account C

Voya MAP Plus NP^SM

CONTRACT PROSPECTUS – MAY 1, 2018

The Contract. The contract described in this prospectus is a group deferred variable and fixed annuity contract issued by Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us,” “our”). It is intended to be used as a funding vehicle for certain types of retirement plans that qualify for beneficial tax treatment and/or provide current income reduction under certain sections of the Internal Revenue Code of 1986, as amended (the “Tax Code”). The contract is not available for sale in the state of New York and, except in limited circumstances, it is no longer available for new sales in other states. The existing contract will continue to accept additional purchase payments subject to the terms of the contract.

Why Reading This Prospectus Is Important. Before you participate in a contract through your retirement plan, you should read this prospectus. It provides facts about the contract and its investment options. Plan sponsors (generally your employer or a trust) should read this prospectus to help determine if the contract is appropriate for their plan. Keep this document for future reference.

Investment Options. The contract offers variable investment options and fixed interest options. When we establish your account(s), the contract holder, (generally, the sponsor of your retirement plan or a trust), or you if permitted by the plan, instructs us to direct account dollars to any of the available options. Some investment options may be unavailable through certain contracts and plans, or in some states. Generally, your plan sponsor will have selected a subset of the variable investment options to be available for investment under your retirement plan.

Variable Investment Options. These options are called subaccounts. The subaccounts are within Variable Annuity Account C (the “separate account”), a separate account of the Company. Each subaccount invests in one of the mutual funds (the “funds”) listed on the next page. Earnings on amounts invested in a subaccount will vary depending upon the performance and fees of its underlying fund. You do not invest directly in or hold shares of the funds.

Fixed Interest Options.

• Fixed Plus Account II • Guaranteed Accumulation Account (subject to availability)

Except as specifically mentioned, this prospectus describes only the variable investment options. However, we describe the fixed interest options in the appendices to this prospectus. There is also a separate prospectus for the Guaranteed Accumulation Account (“GAA”). Not all fixed interest options may be available for current or future investment.

Compensation. We pay compensation to broker-dealers whose registered representatives sell the contracts. See “Contract Distribution” for further information about the amount of compensation we pay. The contracts described in this prospectus are not deposits with, obligations of or guaranteed or endorsed by any bank, nor are they insured by the Federal Deposit Insurance Corporation (“FDIC”). The contracts are subject to investment risk, including the possible loss of the principal amount invested.

Risks Associated with Investing in the Funds. Information about the risks of investing in the funds through the contract is located in the “Investment Options” section on page 13. The particular risks associated with each fund are detailed in the fund’s prospectus. Read this prospectus in conjunction with the fund prospectuses, and retain them for future reference.

Getting Additional Information. If you have 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. You may obtain the May 1, 2018 Statement of Additional Information (“SAI”) without charge by indicating your request on your enrollment materials or calling the Company at 1-800-584-6001 or writing to us at the address referenced under “Contract Overview - Questions: Contacting the Company”. You may also obtain a prospectus or an SAI for any of the funds, or a GAA prospectus, by calling that number. The contract prospectus, the GAA prospectus, the SAI and other information about the separate account may be obtained by accessing the Securities and Exchange Commission (“SEC”) website, http://www.sec.gov. Copies of this information may also be obtained, after paying a duplicating fee, by contacting the SEC Public Reference Branch. Information on the operations of the SEC Public Reference Branch may be obtained by calling 1-202-551-8090 or
1-800-SEC-0330, e-mailing publicinfo@sec.gov or by writing to SEC Public Reference Branch, 100 F Street, NE, Room 1580, Washington, D.C. 20549. When looking for information regarding the contracts offered through this prospectus, you may find it useful to use the number assigned to the registration statement of the contract prospectus under the Securities Act of 1933. This number is 333-109860. The number assigned to the registration statement for the GAA is 333-210551. The SAI table of contents is listed on page 53 of this prospectus. The SAI is incorporated into this prospectus by reference.

PRO.109860-18

Additional Disclosure Information. Neither the SEC, nor any state securities commission, has approved or disapproved the securities offered through this prospectus or passed on the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense. We do not intend for this prospectus to be an offer to sell or a solicitation of an offer to buy these securities in any state that does not permit their sale. We have not authorized anyone to provide you with information that is different from that contained in this prospectus.

PRO.109860-18

CONTRACT PROSPECTUS - MAY 1, 2018 (CONTINUED)

The Funds*

AB Relative Value Fund (Class A)⁽¹⁾

Alger Capital Appreciation Fund (Class A)⁽¹⁾

Alger Responsible Investing Fund (Class A)⁽¹⁾

AllianzGI NFJ Dividend Value Fund (Class A)⁽¹⁾

AllianzGI NFJ Small-Cap Value Fund (Class A)⁽¹⁾

Amana Growth Fund (Investor Class)⁽¹⁾

Amana Income Fund (Investor Class)⁽¹⁾

American Century Investments^® Inflation-Adjusted Bond Fund
(Investor Class)⁽¹⁾

American Funds^® - American Balanced Fund^®(Class R-3)⁽¹⁾

American Funds^® - Capital World Growth and Income Fund^® (Class R-3)⁽¹⁾

American Funds^® - EuroPacific Growth Fund^®(Class R-3)⁽¹⁾

American Funds^® - Fundamental Investors^® (Class R-3)⁽¹⁾

American Funds^® - New Perspective Fund^®(Class R-3)⁽¹⁾

American Funds^® - The Growth Fund of America^® (Class R-3)⁽¹⁾

American Funds^® - The Income Fund of America^®(Class R-3)⁽¹⁾

American Funds^® - Washington Mutual Investors Fund^SM
(Class R-3)⁽¹⁾

Ariel Appreciation Fund (Investor Class)⁽¹⁾

Ariel Fund (Investor Class)⁽¹⁾

Artisan International Fund (Investor Shares)⁽¹⁾

BlackRock Equity Dividend Fund (Investor A Shares)⁽¹⁾

BlackRock Mid Cap Dividend Fund
(Investor A Shares)⁽¹⁾

Columbia Acorn^® Fund (Class A)⁽¹⁾

Columbia High Yield Bond Fund (Advisor Class)⁽¹⁾⁽²⁾

Columbia Large Cap Value Fund (Advisor Class)⁽¹⁾⁽²⁾

Columbia Mid Cap Value Fund (Class A)⁽¹⁾

CRM Mid Cap Value Fund (Investor Shares)⁽¹⁾

Dodge & Cox International Stock Fund⁽¹⁾⁽³⁾

Dodge & Cox Stock Fund⁽¹⁾

Eaton Vance Large-Cap Value Fund (Class R)⁽¹⁾⁽⁴⁾

Fidelity Advisor^® New Insights Fund (Class I)⁽¹⁾

Fidelity^®VIP Contrafund^® Portfolio (Initial Class)

Fidelity^®VIP Equity-Income Portfolio (Initial Class)

Fidelity^®VIP Growth Portfolio (Initial Class)

Franklin Mutual Global Discovery Fund (Class R)⁽¹⁾

Franklin Small Cap Value VIP Fund (Class 2)

Franklin Small-Mid Cap Growth Fund (Class A)⁽¹⁾

Invesco Endeavor Fund (Class A)⁽¹⁾

Invesco Health Care Fund (Investor Class)⁽¹⁾⁽⁵⁾

Invesco Mid Cap Core Equity Fund (Class A)⁽¹⁾

Invesco Small Cap Value Fund (Class A)⁽¹⁾

Lazard Emerging Markets Equity Portfolio (Open Shares)⁽¹⁾⁽³⁾

Lord Abbett Core Fixed Income Fund (Class A)⁽¹⁾⁽³⁾

Lord Abbett Developing Growth Fund (Class A)⁽¹⁾⁽³⁾

Lord Abbett Fundamental Equity Fund (Class A)⁽¹⁾⁽³⁾

Lord Abbett Mid Cap Stock Fund (Class A)⁽¹⁾⁽³⁾

Lord Abbett Small-Cap Value Fund (Class A)⁽¹⁾⁽³⁾

Mainstay Large Cap Growth Fund (Class R3)⁽¹⁾

Massachusetts Investors Growth Stock Fund (Class A)⁽¹⁾

Neuberger Berman Genesis Fund^® (Trust Class)⁽¹⁾

Neuberger Berman Sustainable Equity Fund (Trust Class)⁽¹⁾⁽⁶⁾

Oppenheimer Capital Appreciation Fund (Class A)⁽¹⁾

Oppenheimer Developing Markets Fund (Class A)⁽¹⁾⁽³⁾

Oppenheimer Gold & Special Minerals Fund (Class A)⁽¹⁾

Oppenheimer International Bond Fund (Class A)⁽¹⁾

Pax Balanced Fund (Investor Class)⁽¹⁾⁽⁷⁾

PIMCO Real Return Portfolio (Administrative Class)

Pioneer High Yield Fund (Class A)⁽¹⁾

Pioneer Strategic Income Fund (Class A)⁽¹⁾

Royce Total Return Fund (Service Class)⁽¹⁾⁽⁸⁾

T. Rowe Price Mid-Cap Value Fund (R Class)⁽¹⁾⁽³⁾

Templeton Foreign Fund (Class A)⁽¹⁾

The Hartford International Opportunities Fund (Class R4)⁽¹⁾

Thornburg International Value Fund (Class R4)⁽¹⁾

Vanguard^® Diversified Value Portfolio⁽⁹⁾

Vanguard^® Equity Income Portfolio⁽⁹⁾

Vanguard^® Small Company Growth Portfolio⁽⁹⁾

Victory Sycamore Established Value Fund (Class A)⁽¹⁾⁽³⁾

Victory Sycamore Small Company Opportunity Fund
(Class R)⁽¹⁾

Voya Balanced Portfolio (Class I)

Voya Global Bond Portfolio (Class S)

Voya Global Equity Portfolio (Class I)⁽¹⁰⁾

Voya Global Real Estate Fund (Class A)⁽¹⁾

Voya GNMA Income Fund (Class A)⁽¹⁾

Voya Government Money Market Portfolio (Class I)

Voya Growth and Income Portfolio (Class I)⁽³⁾

Voya Growth and Income Portfolio (Class S)⁽³⁾

Voya High Yield Portfolio (Class S)

Voya Index Plus LargeCap Portfolio (Class I)

Voya Index Plus MidCap Portfolio (Class I)

Voya Index Plus SmallCap Portfolio (Class I)

Voya Index Solution 2025 Portfolio (Class S2)⁽⁴⁾

Voya Index Solution 2035 Portfolio (Class S2)⁽⁴⁾

Voya Index Solution 2045 Portfolio (Class S2)⁽⁴⁾

Voya Index Solution 2055 Portfolio (Class S2)⁽⁴⁾

Voya Index Solution Income Portfolio (Class S2)⁽⁴⁾

Voya Intermediate Bond Fund (Class A)⁽¹⁾

Voya Intermediate Bond Portfolio (Class I)

Voya International Index Portfolio (Class I)

Voya Large-Cap Growth Fund (Class A)⁽¹⁾

Voya Large Cap Growth Portfolio (Class I)⁽³⁾

Voya Large Cap Growth Portfolio (Class S)

Voya Large Cap Value Fund (Class A)⁽¹⁾

Voya Large Cap Value Portfolio (Class I)⁽³⁾

Voya Large Cap Value Portfolio (Class S)

Voya MidCap Opportunities Portfolio (Class I)

Voya Multi-Manager International Small Cap Fund
(Class A)⁽¹⁾

Voya Multi-Manager Large Cap Core Portfolio (Class I)⁽³⁾

Voya Multi-Manager Large Cap Core Portfolio (Class S)

Voya Real Estate Fund (Class A)⁽¹⁾

Voya Russell^TM Large Cap Growth Index Portfolio (Class S)

Voya Russell^TM Large Cap Index Portfolio (Class I)

Voya Russell^TM Large Cap Value Index Portfolio (Class S)

Voya Russell^TM Mid Cap Index Portfolio (Class I)

Voya Russell^TM Small Cap Index Portfolio (Class I)

Voya Small Company Portfolio (Class I)

Voya SmallCap Opportunities Portfolio (Class I)

Voya Solution 2025 Portfolio (Class S2)⁽⁴⁾

Voya Solution 2035 Portfolio (Class S2)⁽⁴⁾

PRO.109860-18

The Funds* (Continued)

Voya Solution 2045 Portfolio (Class S2)⁽⁴⁾

Voya Solution 2055 Portfolio (Class S2)⁽⁴⁾

Voya Solution Income Portfolio (Class S2)⁽⁴⁾

Voya Strategic Allocation Conservative Portfolio (Class I)⁽⁴⁾

Voya Strategic Allocation Growth Portfolio (Class I)⁽⁴⁾

Voya Strategic Allocation Moderate Portfolio (Class I)⁽⁴⁾

Voya U.S. Bond Index Portfolio (Class I)

VY^® American Century Small-Mid Cap Value Portfolio
(Class S)

VY^® Baron Growth Portfolio (Class S)

VY^® Clarion Real Estate Portfolio (Class S)

VY^® Columbia Contrarian Core Portfolio (Class S)

VY^® Columbia Small Cap Value II Portfolio (Class S)

VY^® Invesco Comstock Portfolio (Class S)

VY^® Invesco Equity and Income Portfolio (Class S)

VY^® Invesco Growth and Income Portfolio (Class S)

VY^® JPMorgan Emerging Markets Equity Portfolio (Class S)

VY^® JPMorgan Mid Cap Value Portfolio (Class S)⁽³⁾

VY^® JPMorgan Small Cap Core Equity Portfolio (Class S)

VY^® Oppenheimer Global Portfolio (Class I)

VY^® Pioneer High Yield Portfolio (Class S)

VY^® T. Rowe Price Capital Appreciation Portfolio (Class S)

VY^® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I)⁽³⁾

VY^® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class S)

VY^® T. Rowe Price Equity Income Portfolio (Class S)

VY^® T. Rowe Price Growth Equity Portfolio (Class S)

VY^® T. Rowe Price International Stock Portfolio (Class S)

VY^® Templeton Foreign Equity Portfolio (Class S)

VY^® Templeton Global Growth Portfolio (Class I)⁽³⁾

VY^® Templeton Global Growth Portfolio (Class S)

Wanger International

Wanger Select

Wanger USA

Wells Fargo Special Small Cap Value Fund (Class A)⁽¹⁾

Western Asset Mortgage Backed Securities Fund (Class A)⁽¹⁾

*	See “APPENDIX IV – FUND DESCRIPTIONS” for a complete listing of all fund name changes since your last supplement.
1	This fund is available to the general public, in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2	Prior to November 1, 2017, Advisor Class shares were known as Class R4 shares.
3	Please see “APPENDIX IV – FUND DESCRIPTIONS” for information regarding the availability of this fund.
4	These funds are structured as fund of funds or “master-feeder” funds that invest directly in shares of underlying funds. See “Fees – Fund Fees and Expenses – Fund of Funds” for additional information.
5	On April 30, 2018, this fund changed its name from Invesco Global Health Care Fund to Invesco Health Care Fund.
6	On May 1, 2018, this fund changed its name from Neuberger Berman Socially Responsive Fund^® to Neuberger Berman Sustainable Equity Fund.
7	On May 1, 2018, this fund changed its share class from “Individual Investor Class” to “Investor Class”.
8	On April 13, 2018 this fund changed its share class from “K Class” to “Service Class”.
9	Vanguard is a trademark of The Vanguard Group, Inc.
10	This fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – Funds Available Through the Separate Account” for more information.

PRO.109860-18

TABLE OF CONTENTS

Contract Overview:	6
Who’s Who
The Contract and Your Retirement Plan
Contract Rights
Questions: Contacting the Company (sidebar)
Sending Forms and Written Requests in Good Order (sidebar)
Contract Facts	7
Contract Phases: Accumulation Phase, Income Phase	7

Fee Table		8
Condensed Financial Information		10
The Company		10
Contract Purchase and Participation		11
Contract Ownership and Rights		13
Right to Cancel		13
Investment Options		13
Fees		18
Your Account Value		26
Transfers		27
Withdrawals		30
Systematic Distribution Options		32
Loans		33
Death Benefit		33
Income Phase		35
FEDERAL Tax Considerations		38
Contract Distribution		47
Other Topics		50
CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION		53
Appendix I	Fixed Plus Account II	54
Appendix II	Guaranteed Accumulation Account	57
Appendix III	Participant Appointment of Employer as Agent Under an Annuity Contract	59
Appendix IV	Fund Descriptions	60
Appendix V	Condensed Financial Information – INDEX	75

PRO.109860-18

CONTRACT OVERVIEW
The following is intended as an overview. Please read each section of this prospectus for additional information.		Questions: Contacting the Company. Contact your local representative or write or call the Company: Customer Service P.O. Box 990063 Hartford, CT 06199-0063 1-800-584-6001 Sending forms and written requests in good order. If you are writing to change your beneficiary, request a withdrawal, or for any other purpose, contact your local representative or the Company to learn what information is required in order for the request to be in “good order.” By contacting us, we can provide you with the appropriate administrative form for your requested transaction. Generally, a request is considered to be in “good order” when it is signed, dated and made with such clarity and completeness that we are not required to exercise any discretion in carrying it out. We can only act upon written requests that are received in “good order.”
Who’s Who
You (the “participant”): The individual who participates in the contract through a retirement plan. Plan Sponsor: The sponsor of your retirement plan. Generally, your employer or a trust. Contract Holder: The person to whom we issue the contract. Generally, the plan sponsor or a trust. We may also refer to the contract holder as the contract owner. We (the “Company”): Voya Retirement Insurance and Annuity Company. We issue the contract. For greater detail please review “Contract Purchase and Participation” and “Contract Ownership and Rights.”
The Contract and Your Retirement Plan
Retirement Plan (“plan”): A plan sponsor has established a plan for you. This contract is offered as a funding option for that plan. We are not a party to the plan. Plan Type: We refer to the plan by the Tax Code Section under which it qualifies. For example: a “403(b) plan” is a plan that qualifies for tax treatment under Tax Code Section 403(b). To learn which Tax Code Section applies to your plan, contact your plan sponsor, your local representative or the Company. Use of an Annuity Contract in Your Plan. Under the federal tax laws, earnings on amounts held in annuity contracts are generally not taxed until they are withdrawn. However, in the case of a qualified retirement account (such as a 401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) or Roth 457(b) retirement plan), an annuity contract is not necessary to obtain this favorable tax treatment and does not provide any tax benefits beyond the deferral already available to the tax qualified account itself. Annuities do provide other features and benefits (such as a guaranteed death benefit under some contracts or the option of lifetime income phase options at established rates) that may be valuable to you. You should discuss your alternatives with your financial representative taking into account the additional fees and expenses you may incur in an annuity. See “Contract Purchase and Participation.”

Contract Rights

Rights under the contract, and who may exercise those rights, may vary by plan type. Also, while the contract may reserve certain rights for the contract holder, the contract holder may permit you to exercise those rights through the plan.

PRO.109860-18

Contract Facts

Free Look/Right to Cancel: Contract holders may cancel the contract no later than 10 days after they receive the contract (or a longer period if required by state law). Participants in 403(b) or Roth 403(b) plans or in some plans under 401(a)/401(k) (including Roth 401(k)) may cancel their participation in the contract no later than 10 days after they receive evidence of participation in the contract (or a longer period if required by state law). See “Right to Cancel.”

Death Benefit: A beneficiary may receive a benefit in the event of your death during both the accumulation and income phases (described in “Contract Phases,” below). The availability of a death benefit during the income phase depends on the income phase payment option selected. See “Death Benefit” and “Income Phase.”

Withdrawals: During the accumulation phase, the contract holder, or you if permitted by the plan, may withdraw all or part of your account value. The Tax Code may impose restrictions on withdrawals from plans, which may vary. In addition, the contract holder, or you if permitted by the plan, may have the right to withdraw all or part of your account value during the income phase. Amounts withdrawn may be subject to tax withholding, taxation, early withdrawal charges, redemption fees, and maintenance fees. See “Withdrawals,” “FEDERAL Tax Considerations,” and “Income Phase.”

Systematic Distribution Options: These allow the contract holder, or you if permitted by the plan, to receive regular payments from your account, while retaining the account in the accumulation phase. See “Systematic Distribution Options.”

Fees: Certain fees are deducted from your account value. In addition, we reserve the right to deduct premium taxes from your account value or from payments to the account at any time, but not before there is a tax liability under state law. See “Fee Table” and “Fees.”

Taxation: Amounts you receive in a distribution will be generally included in your gross income and will be subject to taxation. Tax penalties may apply in some circumstances. See “FEDERAL Tax Considerations.”

Contract Phases

Accumulation Phase (accumulating retirement benefits)

STEP 1: You or the contract holder provides the Company with your completed enrollment materials.

According to the plan, we set up one or more accounts for you. We may set up account(s) for employer contributions and/or for contributions from your salary.

STEP 2: The contract holder, or you if permitted by your plan, directs us to invest your account dollars in any of the following:

• Fixed Interest Options; or

• Variable Investment Options. (The variable investment options are the subaccounts of the separate account. Each one invests in a specific mutual fund.)

Payments to

Your Account

Step 1 ||

Voya Retirement Insurance and Annuity Company

Step 2

Fixed

Interest

Options

Variable Annuity

Account C

Variable Investment Options

The Subaccounts

B

Etc.

|| Step 3 ||

Mutual

Fund A

Mutual

Fund B

Etc.

STEP 3: The subaccount(s) selected purchases shares of its corresponding fund.

Income Phase (receiving income phase payments from your account)

The contract offers several payment options. See “Income Phase.” In general, you may:

• Receive income phase payments over a lifetime or for a specified period;

• Receive income phase payments monthly, quarterly, semi-annually or annually;

• Select an option that provides a death benefit to beneficiaries; and

• Select fixed income phase payments or payments that vary based on the performance of the variable investment options you select.

PRO.109860-18

FEE TABLE
The following tables describe the fees and expenses that you will pay during the accumulation phase when buying, owning, and withdrawing account value from your contract. Fees during the income phase may differ from those shown below. See “Income Phase” for fees that may apply after you begin receiving payments under the contract.			In This Section: • Maximum Transaction Expenses; • Maximum Periodic Fees and Charges; • Fund Fees and Expenses; and • Examples. See “Fees” for: • How, When and Why Fees are Deducted; • Reduction, Waiver and/or Elimination of Certain Fees; • Redemption Fees; and • Premium and Other Taxes.
*Maximum Transaction Expenses* The first table describes the fees and expenses that you may pay at the time that you buy the contract, withdraw account value from the contract, or transfer cash value between investment options. State premium taxes currently ranging from 0% to 4% of purchase payments may also be deducted.*
Maximum Early Withdrawal Charge¹
(as a percentage of amount withdrawn)		5.0%

Loan Interest Rate Spread (per annum) for Contract Loans²		3.0%
*Maximum Periodic Fees and Charges* The next table describes the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.
*Maximum Annual Maintenance Fee*		$30.00
*Separate Account Annual Expenses* (as a percentage of average account value)
Maximum Daily Asset Charge³	1.75%
Maximum Subaccount Administrative Adjustment Charge⁴	0.80% (on certain funds)
Maximum Transferred Asset Benefit Charge⁵	1.00%
Maximum Total Separate Account Annual Charges	3.55%

*State premium taxes may apply, but are not reflected in the fee tables or examples. See “Fees - Premium and Other Taxes.”

________________________

¹This is a deferred sales charge. The charge reduces over time. We waive the withdrawal charge except on (a) distributions for “in service transfers” of amounts to another 401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) or Roth 457(b) product provider for the employer; and (b) distributions due to a severance from employment that would not have qualified as a separation from service under prior Internal Revenue Service (“IRS”) guidance. See “Fees” and “Transaction Fees.”

²This is the difference between the rate charged and the rate credited on loans under your contract. Currently the loan interest rate spread is 2.5% per annum; however we reserve the right to apply a spread of up to 3.0% per annum. For example, if the current interest rate charged on a loan is 6.0%, the amount of interest applied to the contract would be 3.5%; the 2.5% loan interest rate spread is retained by the Company. See “Loans.” For loans from Tax Code Section 401(a), 401(k), or 457(b) plans, where the sponsor has elected to offer loans administered outside the group annuity contract, additional fees may be charged by a third party administrator.

³This is the maximum charge to cover mortality, expense, and administrative risks during the accumulation phase. This charge may be waived, reduced or eliminated in certain circumstances. See “Fees - Daily Asset Charge.” During the income phase the charge is 1.25% on an annual basis. See “Income Phase - Charges Deducted.”

⁴The subaccount administrative adjustment charge applies to a select group of investment options, identified in the Fees section. The charge is only assessed on assets invested in these investment options, and varies based upon the investment option. For contracts issued before May 1, 2004 (or state regulatory approval of the maximum 0.80% charge, whichever is later), the maximum subaccount administrative adjustment charge is 0.50%. The maximum subaccount administrative adjustment charge we currently apply is 0.60%. See “Fees - Subaccount Administrative Adjustment Charge.”

⁵This charge covers the costs associated with providing the transferred asset benefit, for contract holders who elect this option. For contracts issued prior to September 27, 2010 (or upon state regulatory approval of the maximum 1.00% charge, whichever is later), the maximum transferred asset benefit charge was 0.50%. This charge will apply for a maximum of seven contract years, depending upon the amount of the transferred asset benefit, and will apply to all participants under the contract, regardless of whether they receive the benefit of the transferred asset benefit. For example, if your participation in the contract begins after the transferred asset benefit is allocated to the contract, you will be subject to the transferred asset benefit charge even though you did not receive any of the transferred asset benefit. See “CONTRACT PURCHASE AND PARTICIPATION – Transferred Asset Benefit Option.”

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Fund Fees and Expenses

The next item shows the minimum and maximum total operating expenses charged by the funds that you may pay periodically during the time that you own the contract. The minimum and maximum expenses listed below are based on expenses for the funds’ most recent fiscal year ends without taking into account any fee waiver or expense reimbursement arrangements that may apply. Expenses of the funds may be higher or lower in the future. More detail concerning each fund’s fees and expenses is contained in the prospectus for each fund.

Total Annual Fund Operating Expenses

(expenses that are deducted from fund assets, including management fees, distribution (12b-1) and/or service fees, and other expenses)

Minimum

0.27%

Maximum

1.74%

See “FEES – Fund Fees and Expenses” for additional information about the fees and expenses of funds, including information about the revenue we may receive from each of the funds or the funds’ affiliates.

When the Subaccount Administrative Adjustment charge is included, the minimum and maximum expenses associated with the funds are 0.61% and 1.74%, respectively.

Examples

The following examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include contract holder transaction expenses, the separate account annual expenses, the annual maintenance fee of $30 (converted to a percentage of assets equal to 0.270%), and the fund fees and expenses adjusted to include the Subaccount Administrative Adjustment charge.

Maximum Fund Fees and Expenses Example. The following examples assume that you invest $10,000 in the contract for the time periods indicated. The examples also assume that your investment has a 5% return each year and assume the maximum contract fees and expenses and the maximum amount after combining the fund fees and expenses with the applicable Subaccount Administrative Adjustment charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

Example (A) If you withdraw your entire account value at the end of the applicable time period:

Example (B) If you do not withdraw your entire account value or if you select an income phase payment option at the end of the applicable time period*:

1 Year

3 Years

5 Years

10 Years

1 Year

3 Years

5 Years

10 Years

$978

$1,937

$2,799

$4,528

$477

$1,433

$2,394

$4,528

Minimum Fund Fees and Expenses Example. The following examples assume that you invest $10,000 in the contract for the time periods indicated. The examples also assume that your investment has a 5% return each year and assume the maximum contract fees and expenses and the minimum fund fees and expenses when combined with the applicable Subaccount Administrative Adjustment charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

Example (A) If you withdraw your entire account value at the end of the applicable time period:

Example (B) If you do not withdraw your entire account value or if you select an income phase payment option at the end of the applicable time period*:

1 Year

3 Years

5 Years

10 Years

1 Year

3 Years

5 Years

10 Years

$872

$1,632

$2,306

$3,565

$365

$1,111

$1,878

$3,565

_______________

* This example does not apply if during the income phase a nonlifetime payment option with variable payments is selected and a lump sum withdrawal is requested within five years after payments start. In this case, the lump sum payment is treated as a withdrawal during the accumulation phase and may be subject to an early withdrawal charge as shown in Example A.

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CONDENSED FINANCIAL INFORMATION

Understanding Condensed Financial Information. In APPENDIX V, we provide condensed financial information about the separate account subaccounts available under the contracts. These tables show year-end unit values of each subaccount from the time purchase payments were first received in the subaccounts under the contract.

Financial Statements. The statements of assets and liabilities, the statements of operations, the statements of changes in net assets and the related notes to financial statements for Variable Annuity Account C and the consolidated financial statements and the related notes to consolidated financial statements for Voya Retirement Insurance and Annuity Company are located in the Statement of Additional Information.

THE COMPANY

Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us,” “our”) issues the contracts described in this prospectus and is responsible for providing each contract’s insurance and annuity benefits. All guarantees and benefits provided under the contracts that are not related to the separate account are subject to the claims paying ability of the Company and our general account. We are a stock life insurance company organized under the insurance laws of the State of Connecticut in 1976. Prior to January 1, 2002, the Company was known as Aetna Life Insurance and Annuity Company. From January 1, 2002, until August 31, 2014, the Company was known as ING Life Insurance and Annuity Company.

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

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

One Orange Way

Windsor, Connecticut 06095-4774

Product Regulation. Our annuity, retirement and investment products are subject to a complex and extensive array of state and federal tax, securities, insurance and employee benefit plan laws and regulations, which are administered and enforced by a number of different governmental and self-regulatory authorities, including state insurance regulators, state securities administrators, state banking authorities, the SEC, the Financial Industry Regulatory Authority (“FINRA”), the Department of Labor (“DOL”), the IRS and the Office of the Comptroller of the Currency (“OCC”). For example, U.S. federal income tax law imposes requirements relating to insurance and annuity product design, administration and investments that are conditions for beneficial tax treatment of such products under the Tax Code. See “FEDERAL TAX CONSIDERATIONS” for further discussion of some of these requirements. Additionally, state and federal securities and insurance laws impose requirements relating to insurance and annuity product design, offering and distribution and administration. Failure to administer product features in accordance with contract provisions or applicable law, or to meet any of these complex tax, securities, or insurance requirements could subject us to administrative penalties imposed by a particular governmental or self-regulatory authority, unanticipated costs associated with remedying such failure or other claims, harm to our reputation, interruption of our operations or adversely impact profitability.

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CONTRACT PURCHASE AND PARTICIPATION

Contracts Available for Purchase. The contracts available for purchase are group deferred variable and fixed annuity contracts that the Company offers in connection with plans established by eligible organizations under Tax Code Sections 401(a), 401(k) 403(b) and 457(b), including Roth 401(k), Roth 403(b) and Roth 457(b). The contracts may not be available in all states. Contributions to Roth 401(k), Roth 403(b) or Roth 457 accounts must be made by after-tax salary reduction (to the extent allowed by the contract or certificate), exchange, or rollover payments paid to us on your behalf, as permitted by the Tax Code.

When considering whether to purchase or participate in the contract, you should consult with your financial representative about your financial goals, investment time horizon and risk tolerance.

ERISA Notification. Some plans under Tax Code Sections 401 and 403(b) are subject to Title I of the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended. The contract holder must notify the Company whether Title I of ERISA applies to the plan.

Use of an Annuity Contract in Your Plan. Under the federal tax laws, earnings on amounts held in annuity contracts are generally not taxed until they are withdrawn. However, in the case of a qualified retirement account (such as a 401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) or Roth 457(b) plan), an annuity contract is not necessary to obtain this favorable tax treatment and does not provide any tax benefits beyond the deferral already available to the tax qualified account itself. Annuities do provide other benefits (such as the guaranteed death benefit under some contracts or the option of lifetime income phase options at established rates) that may be valuable to you. You should discuss your alternatives with your financial representative.

Purchasing the Contract. The contract holder submits the required forms and application to the Company. We approve the forms and issue a contract to the contract holder.

Participating in the Contract. We provide you with enrollment materials for completion and return to us (occasionally enrollment is conducted by someone unaffiliated with us who is assisting the contract holder). Under certain plans, you may be enrolled automatically by the contract holder. If all materials are complete and in good order, we establish one or more accounts for you. Under certain plans we establish an employee account for contributions from your salary and an employer account for employer contributions.

Acceptance or Rejection. We must accept or reject an application or your enrollment materials within two business days of receipt. If the forms are incomplete, we may hold any forms and accompanying purchase payments for five business days, unless you consent to our holding them longer. If we reject the application or enrollment, we will return the forms and any purchase payments.

Methods of Purchase Payment. The contract may allow one or more of the following purchase payment methods:

• Lump-sum payments--A one-time payment to your account in the form of a transfer from a previous plan; and/or

• Installment payments--More than one payment made over time to your account.

The plan and the contract may have certain rules or restrictions that apply to use of these two methods. For example, we may require that lump-sum payments or installment payments meet certain minimums.

Contributions to Roth 401(k), Roth 403(b) and Roth 457(b) accounts must be made by after-tax salary reduction, exchange or rollover payments paid to us on your behalf, as permitted by the Tax Code. Under some contracts, we will place the different types of payments in distinct accounts, including Roth 401(k), Roth 403(b) and Roth 457(b) accounts.

Allocation of Purchase Payments. The contract holder or you, if the contract holder permits, direct us to allocate initial contributions among the investment options available under the plan. Generally, you will specify this information on your enrollment materials or it may be provided to us by the contract holder. After your enrollment, changes to allocations for future purchase payments or transfer of existing balances among investment options may be requested in writing and, where available, by telephone or electronically at www.voyaretirementplans.com. Allocations must be in whole percentages, and there may be limitations on the number of investment options that can be selected. See “Investment Options” and “Transfers.”

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Transferred Asset Benefit Option. The Company may provide a transferred asset benefit (“TAB”) option to the contract holder in connection with the purchase of the contract in order to help defray charges that may apply when assets are transferred from another financial provider. If this option is selected, the Company will apply a dollar amount not to exceed 5% of the total plan assets transferred to the Company. The TAB will be allocated pursuant to directions received from the contract holder, after the expiration of the applicable state free-look period.

In the event that the contract holder elects the TAB option, there will be an additional transferred asset benefit charge not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), and a reduction in the Fixed Plus Account II interest credited rate not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), which will apply to all participants under the contract regardless of whether they receive the benefit of the TAB. For example, if your participation in the contract begins after the TAB is allocated to the contract, you will be subject to the transferred asset benefit charge and decrease in the interest credited rate even though you did not receive any of the TAB. The transferred asset benefit charge and decrease in the interest credited rate will apply for a period not to exceed seven contract years, and will not, over the period of time that the TAB charge and decreased interest rate is in effect, exceed the TAB percentage applied to the contract (i.e. if a 4.0% TAB is credited to the contract, the aggregate transferred asset benefit charge and reduction to the Fixed Plus Account II credited interest rate will not exceed 4.0%). In addition, an early withdrawal charge schedule will generally apply when the TAB option is elected by the contract holder. See “Fee Table” and “Fees.”

Tax Code Restrictions. The Tax Code places some limitations on contributions to your account. See “FEDERAL Tax Considerations.”

Factors to Consider in the Purchase Decision. The decision to purchase or participate in the contract should be discussed with your financial representative. Make sure that you understand the investment options it provides, its other features, the risks and potential benefits you will face, and the fees and expenses you will incur when, together with your financial representative, you consider an investment in the contract. You should pay attention to the following issues, among others:

• Long-Term Investment - This contract is a long-term investment, and is typically most useful as part of a personal retirement plan. The value of deferred taxation on earnings grows with the amount of time funds are left in the contract. You should not participate in this contract if you are looking for a short-term investment or expect to need to make withdrawals before you are 59½;

• Investment Risk - The value of investment options available under this contract may fluctuate with the markets and interest rates. You should not participate in this contract in order to invest in these options if you cannot risk getting back less money than you put in;

• Features and Fees - The fees for this contract reflect costs associated with the features and benefits it provides. As you consider this contract, you should determine the value that these various benefits and features have for you, given your particular circumstances, and consider the charges for those features; and

• Exchanges - Replacing an existing insurance contract with this contract may not be beneficial to you. If this contract will be a replacement for another annuity contract or mutual fund option under the plan, you should compare the two options carefully, compare the costs associated with each, and identify additional benefits available under this contract. You should consider whether these additional benefits justify incurring a new schedule of early withdrawal charges or any increased charges that might apply under this contract. Also, be sure to talk to a financial professional, tax and/or legal adviser to make sure that the exchange will be handled so that it is tax-free.

Other Products. We and our affiliates offer various other products with different features and terms than the contracts described in this prospectus, which may offer some or all of the same funds. These products have different benefits, fees and charges, and may offer different share classes of the funds offered in this contract that are less expensive. These other products may or may not better match your needs. You should be aware that there are other options available, and, if you are interested in learning more about these other products, contact your registered representative. These other options may not be available under your plan.

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CONTRACT OWNERSHIP AND RIGHTS

Who Owns the Contract? The contract holder. This is the person or entity to whom we issue the contract.

Who Owns Money Accumulated Under the Contract? It depends on the type of retirement plan:

• Under 401(a), 401(k), Roth 401(k), 403(b) or Roth 403(b) Plans. Under the contract, we may establish one or more accounts for you. Generally, we establish an employee account to receive salary reduction and rollover amounts and an employer account to receive employer contributions. You have the right to the value of your employee account and any employer account to the extent you are vested as interpreted by the contract holder;

• Under Governmental 457(b) or Roth 457(b) Plans. The Tax Code requires that 457(b) plan assets of governmental employers be held in trust for the exclusive benefit of you and your beneficiaries. An annuity contract satisfies the trust requirement of the Tax Code; and

• Under Tax-Exempt Non-Governmental 457(b) Plans. In order to avoid being subject to ERISA, 457(b) plan assets of tax-exempt employers (including certain nonqualified, church-controlled organizations) remain the property of the employer, and are subject to the claims of the employer’s general creditors.

Who Holds Rights Under the Contract? Under all contracts, except group contracts issued through a voluntary 403(b) or Roth 403(b) plan, the contract holder holds all rights under the contract. The contract holder may permit you to exercise some of those rights. For example, the contract holder may allow you to choose investment options.

Under most group contracts issued through a voluntary 403(b) or Roth 403(b) plan, you generally hold all rights under the contract and may make elections for your accounts. However, pursuant to Treasury Department regulations the exercise of certain of these rights may require the consent and approval of the plan sponsor or its delegate. See “FEDERAL Tax Considerations – Distributions – Eligibility – 403(b) and Roth 403(b) Plans.”

For additional information about the respective rights of the contract holder and participants under 401(a), 401(k), Roth 401(k), 403(b) and Roth 403(b), plans, see APPENDIX III.

RIGHT TO CANCEL

When and How to Cancel. If the contract holder chooses to cancel a contract, we must receive the contract and a written notice of cancellation within 10 days (or a longer period if required by state law) after the contract holder’s receipt of the contract.

If you wish to cancel participation in the contract and are allowed to do so under the contract and the plan, you must send the document evidencing your participation and a written notice of cancellation to the Company within 10 days (or a longer period if required by state law) after you receive confirmation of your participation in the contract.

Refunds. We will produce a refund not later than seven calendar days after we receive the required documents and written notice in good order at the address listed in “Contract Overview - Questions: Contacting the Company.” The refund will equal amounts contributed to the contract or account(s), as applicable, plus any earnings or less any losses attributable to the investment options in which amounts were invested. Any daily asset charges, subaccount administrative adjustment charges or transferred asset benefit charges deducted during the period you held the contract will not be returned. We will not deduct an early withdrawal charge nor apply a market value adjustment to any amounts you contributed to the GAA. In certain states, we are required to refund contributions. When a refund of contributions is not required, the investor bears any investment risk.

INVESTMENT OPTIONS

The contract offers variable investment options and fixed interest options. When we establish your account(s), the contract holder, or you if permitted by the plan, instructs us to direct account dollars to any of the available options. We may add, withdraw or substitute investment options subject to the conditions in the contract and in compliance with regulatory requirements.

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Variable Investment Options

These options are called subaccounts of Variable Annuity Account C. Each subaccount invests directly in shares of a corresponding mutual fund, and earnings on amounts invested in the subaccounts will vary depending upon the performance and fees of its underlying fund. You do not invest directly in or hold shares of the funds.

Variable Annuity Account C

We established Variable Annuity Account C (the “separate account”) under Connecticut law in 1976 as a continuation of the separate account established in 1974 under Arkansas law by Aetna Variable Annuity Life Insurance Company. The separate account was established as a segregated asset account to fund variable annuity contracts. The separate account is registered as a unit investment trust under the Investment Company Act of 1940 (the “1940 Act”). It also meets the definition of “separate account” under the federal securities laws.

Although we hold title to the assets of the separate account, such assets are not chargeable with the liabilities of any other business that we conduct. Income, gains or losses, whether or not realized, of the separate account are credited to or charged against the assets of the separate account without regard to other income, gains or losses of the Company. All obligations arising under the contracts are obligations of the Company.

Funds Available Through the Separate Account

The separate account is divided into “subaccounts.” Each subaccount invests directly in shares of a corresponding fund. The funds available through the subaccounts of the separate account are listed in the front of this prospectus. We also provide brief descriptions of each fund in APPENDIX IV. Please refer to the fund prospectuses for additional information and read them carefully. Fund prospectuses may be obtained, free of charge at the address and telephone number listed in “Contract Overview - Questions: Contacting the Company,” by accessing the SEC’s web site, or by contacting the SEC Public Reference Branch.

Funds With Managed Volatility Strategies. As described in more detail in the fund prospectuses, certain funds employ a managed volatility strategy that is intended to reduce the fund’s overall volatility and downside risk, and to help us manage the risks associated with providing certain guarantees under the contract. During rising markets, the hedging strategies employed to manage volatility could result in your account value rising less than would have been the case if you had been invested in a fund with substantially similar investment objectives, policies and strategies that does not utilize a volatility management strategy. In addition, the cost of these hedging strategies may have a negative impact on performance. On the other hand, investing in funds with a managed volatility strategy may be helpful in a declining market with higher market volatility because the hedging strategy will reduce your equity exposure in such circumstances. In such cases, your account value may decline less than would have been the case if you had not invested in funds with a managed volatility strategy. There is no guarantee that a managed volatility strategy can achieve or maintain the fund’s optimal risk targets, and the fund may not perform as expected. Funds that employ a managed volatility strategy are identified in the list of available funds in the beginning of this prospectus.

Insurance-Dedicated Funds (Mixed and Shared Funding). Some of the funds described in this prospectus are available only to insurance companies for their variable contracts (or directly to certain retirement plans, as allowed by the Tax Code). Such funds are often referred to as “insurance-dedicated funds,” and are used for “mixed” and “shared” funding.

“Mixed funding” occurs when shares of a fund, which the subaccount buys for variable annuity contracts, are bought for variable life insurance contracts issued by us or other insurance companies.

“Shared funding” occurs when shares of a fund, which the subaccount buys for variable annuity contracts, are also bought by other insurance companies for their variable annuity contracts. In other words:

• Mixed funding--bought for annuities and life insurance; and

• Shared funding--bought by more than one company.

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Public Funds. The following funds, which are available through the contracts, are also available to the general public outside of the contract:

AB Relative Value Fund

Alger Capital Appreciation Fund

Alger Responsible Investing Fund

AllianzGI NFJ Dividend Value Fund

AllianzGI NFJ Small-Cap Value Fund

Amana Growth Fund

Amana Income Fund

American Century Investments^® Inflation-Adjusted Bond Fund

American Funds^® - American Balanced Fund^®

American Funds^® - Capital World Growth and Income Fund^®

American Funds^® - EuroPacific Growth Fund^®

American Funds^® - Fundamental Investors^®

American Funds^® - New Perspective Fund^®

American Funds^® - The Growth Fund of America^®

American Funds^® - The Income Fund of America^®

American Funds^® - Washington Mutual Investors Fund^SM

Ariel Appreciation Fund

Ariel Fund

Artisan International Fund

BlackRock Equity Dividend Fund

BlackRock Mid Cap Dividend Fund

Columbia Acorn^® Fund

Columbia High Yield Bond Fund

Columbia Large Cap Value Income Fund

Columbia Mid Cap Value Fund

CRM Mid Cap Value Fund

Dodge & Cox International Stock Fund

Dodge & Cox Stock Fund

Eaton Vance Large-Cap Value Fund

Fidelity Advisor^® New Insights Fund

Franklin Mutual Global Discovery Fund

Franklin Small-Mid Cap Growth Fund

Invesco Endeavor Fund

Invesco Health Care Fund

Invesco Mid Cap Core Equity Fund

Invesco Small Cap Value Fund

Lazard Emerging Markets Equity Portfolio

Lord Abbett Core Fixed Income Fund

Lord Abbett Developing Growth Fund

Lord Abbett Fundamental Equity Fund

Lord Abbett Mid Cap Stock Fund

Lord Abbett Small-Cap Value Fund

Mainstay Large Cap Growth Fund

Massachusetts Investors Growth Stock Fund

Neuberger Berman Genesis Fund^®

Neuberger Berman Sustainable Equity Fund

Oppenheimer Capital Appreciation Fund

Oppenheimer Developing Markets Fund

Oppenheimer Gold & Special Minerals Fund

Oppenheimer International Bond Fund

Pax Balanced Fund

Pioneer High Yield Fund

Pioneer Strategic Income Fund

Royce Total Return Fund

T. Rowe Price Mid-Cap Value Fund

Templeton Foreign Fund

The Hartford International Opportunities Fund

Thornburg International Value Fund

Victory Sycamore Established Value Fund

Victory Sycamore Small Company Opportunity Fund

Voya Global Real Estate Fund

Voya GNMA Income Fund

Voya Intermediate Bond Fund

Voya Large-Cap Growth Fund

Voya Large Cap Value Fund

Voya Multi-Manager International Small Cap Fund

Voya Real Estate Fund

Wells Fargo Special Small Cap Value Fund

Western Asset Mortgage Backed Securities Fund

See “FEDERAL Tax Considerations – Special Considerations for Section 403(b) Plans” for a discussion of investing in one of the public funds under a 403(b) annuity contract.

Possible Conflicts of Interest. With respect to the insurance-dedicated funds, it is possible that a conflict of interest may arise due to mixed and shared funding, a change in law affecting the operations of variable annuity separate accounts, differences in the voting instructions of the contract holder and others maintaining a voting interest in the funds, or some other reason. Such a conflict could adversely impact the value of a fund. For example, if a conflict of interest occurred and one of the subaccounts withdrew its investment in a fund, the fund may be forced to sell its securities at disadvantageous prices, causing its share value to decrease. Each insurance-dedicated fund’s board of directors or trustees will monitor events in order to identify any material irreconcilable conflicts that may arise and to determine what action, if any, should be taken to address such conflicts. In the event of a conflict, the Company will take any steps necessary to protect contract holders and annuitants maintaining a voting interest in the funds, including the withdrawal of the separate account from participation in the funds which are involved in the conflict.

For additional risks associated with each fund, please see the fund’s prospectus.

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Selection of Underlying Funds. The underlying funds available through the contract described in this prospectus are determined by the Company but ultimately selected by the Plan Sponsor. When determining which underlying funds to make available we may consider various factors, including, but not limited to, asset class coverage, the alignment of the investment objectives of an underlying fund with our hedging strategy, the strength of the adviser’s or sub-adviser’s reputation and tenure, brand recognition, performance, and the capability and qualification of each investment firm. Another factor that we may consider is whether the underlying fund or its service providers (e.g., the investment adviser or sub-advisers) or its affiliates will make payments to us or our affiliates in connection with certain administrative, marketing, and support services, or whether affiliates of the fund can provide marketing and distribution support for sales of the contracts. (For additional information on these arrangements, please refer to the section of this prospectus entitled “Revenue from the Funds.”) We review the funds periodically and may, subject to certain limits or restrictions, remove a fund or limit its availability to new contributions and/or transfers of account value if we determine that a fund no longer satisfies one or more of the selection criteria, and/or if the fund has not attracted significant allocations under the contract. We have included the certain of the funds at least in part because they are managed or sub-advised by our affiliates.

We do not recommend or endorse any particular fund and we do not provide investment advice.

Voting Rights

Each of the subaccounts holds shares in a fund and each is entitled to vote at regular and special meetings of that fund. Under our current view of applicable law, we will vote the shares for each subaccount as instructed by persons having a voting interest in the subaccount. If, however, we determine that we are permitted to vote the shares in our own right, we may do so.

Generally, under contracts issued in connection with section 403(b) or 401 plans, you have a fully vested interest in the value of your employee account and in your employer account to the extent of your vested percentage in the plan. Therefore, under such plans you generally have the right to instruct the contract holder how to direct us to vote shares attributable to your account. Under contracts issued in connection with section 457 plans, the contract holder retains all voting rights. We will vote shares for which instructions have not been received in the same proportion as those for which we received instructions. Accordingly, it is possible for a small number of persons (assuming there is a quorum) to determine the outcome of a vote.

Each person who has a voting interest in the separate account will receive periodic reports relating to the funds in which he or she has an interest, as well as any proxy materials and a form on which to give voting instructions. Voting instructions will be solicited by a written communication at least 14 days before the meeting.

The number of votes, whole and fractional, any person is entitled to direct will be determined as of the record date set by any fund in which that person invests through the subaccounts:

• During the accumulation phase, the number of votes is equal to the portion of your account value invested in the fund, divided by the net asset value of one share of that fund.

• During the income phase, the number of votes is equal to the portion of reserves set aside for the contract’s share of the fund, divided by the net asset value of one share of that fund.

We may restrict or eliminate any voting rights of persons who have voting rights as to the separate account.

Right to Change the Separate Account

We do not guarantee that each fund will always be available for investment through the contract. Subject to certain conditions and restrictions applicable to certain types of retirement plans and state and federal law and the rules and regulations thereunder, we may, from time to time, make any of the following changes to the separate account with respect to some or all classes of contracts:

• Offer additional subaccounts that will invest in new funds or fund classes we find appropriate for contracts we issue;

• Combine two or more subaccounts;

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• Close subaccounts. We will provide advance notice by a supplement to this prospectus if we close a subaccount. If a subaccount is closed or otherwise is unavailable for new investment, unless we receive alternative allocation instructions, all future amounts directed to the subaccount that was closed or is unavailable may be automatically allocated among the other available subaccounts according to the most recent allocation instructions we have on file. If the most recent allocation instructions we have on file. If the most recent allocation instructions we have on file do not include any available subaccounts, the amount to be allocated will be returned unless we are provided with alternative allocation instructions. Alternative allocation instructions can be given by contacting us at the address and telephone number listed in “CONTRACT OVERVIEW - Questions: Contacting the Company.” See also the “TRANSFRS” section of this prospectus for information about making subaccount allocation changes;

• Substitute a new fund for a fund in which a subaccount currently invests. In the case of a substitution, the new fund may have different fees and charges than the fund it replaced. A substitution may become necessary if, in our judgment:

> A fund no longer suits the purposes of your contract;

> There is a change in laws or regulations;

> There is a change in the fund’s investment objectives or restrictions;

> The fund is no longer available for investment; or

> Another reason we deem a substitution is appropriate;

• Stop selling the contract;

• Limit or eliminate any voting rights for the separate account; or

• Make any changes required by the 1940 Act or its rules or regulations.

We will not make a change until the change is disclosed in an effective prospectus or prospectus supplement, authorized, if necessary, by an order from the SEC and approved, if necessary, by the appropriate state insurance department(s).

The changes described above do not include those changes that may, if allowed under your plan, be initiated by your plan sponsor.

We reserve the right to transfer separate account assets to another separate account that we determine to be associated with the class of contracts to which the contract belongs.

Fixed Interest Options

For descriptions of the fixed interest options that may be available through the contract, see APPENDIX I and II and the GAA prospectus. The GAA prospectus may be obtained free of charge at the address and telephone number listed in “Contract Overview - Questions: Contacting the Company,” by accessing the SEC’s website or by contacting the SEC Public Reference Branch.

Selecting Investment Options

When selecting investment options:

• Choose options appropriate for you. Your local representative can help you evaluate which investment options may be appropriate for your individual circumstances and your financial goals;

• Understand the risks associated with the options you choose. Some subaccounts invest in funds that are considered riskier than others. Funds with additional risks are expected to have a value that rises and falls more rapidly and to a greater degree than other funds. For example, funds investing in foreign or international securities are subject to additional risks not associated with domestic investments, and their performance may vary accordingly. Also, funds using derivatives in their investment strategy may be subject to additional risks. Because investment risk is borne by you, you should carefully consider any decisions that you make regarding investment allocations. You bear the risk of any decline in your account value resulting from the performance of the funds you have chosen; and

• Be informed. Read this prospectus, all of the information that is available to you regarding the funds—including each fund’s prospectus, statement of additional information, and annual and semi-annual reports, fixed interest appendices and the GAA prospectus. After you select the options for your account dollars, you should monitor and periodically re-evaluate your allocations to determine if they are still appropriate.

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Furthermore, be aware that there may be:

• Limits on Option Availability. Some investment options may not be available through certain contracts and plans or in some states. In general, your plan sponsor will have selected a subset of funds to be available for investment under your retirement plan. We may add, withdraw or substitute investment options, subject to the conditions in the contract and in compliance with regulatory requirements. In the case of a substitution, the new fund may have different fees and charges than the fund it replaced; and

• Limits on Number of Options Selected. Generally, the contract holder, or you if permitted by the plan, may select no more than 25 investment options at initial enrollment and no more than 97 during the accumulation phase of your account. If you have an outstanding loan (available to 403(b) and some 401 and 457(b) plans only), you may currently make a total of 97 cumulative selections over the life of the account. Each subaccount and the Fixed Plus Account II counts toward these limits. Thus, if you have a loan on the account, each investment option in which you have invested counts toward the limit, even after the full value is transferred to other investment options.

FEES

The charges we assess and the deductions we make under the contract are in consideration for: (i) the services and benefits we provide; (ii) the costs and expenses we incur; and (iii) the risks we assume. The fees and charges deducted under the contract may result in a profit to us.

The following repeats and adds to information provided in the “Fee Table” section. Please review both this section and the “Fee Table” section for information on fees.

Transaction Fees

Early Withdrawal Charge

Under the contract, withdrawals of all or a portion of your account value may be subject to a charge. In the case of a partial withdrawal where you request a specified dollar amount, the amount withdrawn from your account will be the amount you specified plus adjustment for any applicable early withdrawal charge.

Types of Fees

You may incur the following types of fees or charges under the contract:

• Transaction Fees

> Early Withdrawal Charge

> Loan Interest Rate Spread

> Redemption Fees

• Periodic Fees and Charges

> Annual Maintenance Fee

> Daily Asset Charge

> Subaccount Administrative Adjustment Charge

> Transferred Asset Benefit Charge

• Fund Fees and Expenses

• Premium and Other Taxes

Purpose. This is a deferred sales charge. It reimburses us for some of the sales and administrative expenses associated with the contract. If our expenses are greater than the amount we collect for the early withdrawal charge, we may use any of our corporate assets, including potential profit that may arise from the daily asset charges and subaccount administrative adjustment charge (if any), to make up the difference. An early withdrawal charge will also apply if the contract holder has elected to purchase the transferred asset benefit option.

Amount. This charge is a percentage of the amount that you withdraw from the subaccounts and the GAA. We do not deduct an early withdrawal charge from amounts that you withdraw from the Fixed Plus Account II. If the charge is in effect, the amount withdrawn will be the amount requested reduced by any applicable early withdrawal charge. The percentage is determined by the early withdrawal charge schedule that applies to your contract. The maximum withdrawal charge is 5% and the duration of the withdrawal charge schedule can vary from zero to seven years. The charge will never be more than the maximum permitted by the rules of FINRA.

The schedule below reflects the maximum early withdrawal charge schedule that may apply to a contract. The actual early withdrawal charge schedule that applies to a particular contract will vary based upon underwriting guidelines, which will be applied in a manner that is not unfairly discriminatory against any contract holder. The factors considered in determining the exact early withdrawal schedule include:

• The number of participants in the plan;

• The type and nature of the group to which a contract is issued;

• The expected level of assets and/or cash flow under the plan;

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• The broker or our agent’s involvement in sales activities;

• The amount and type of compensation paid to those selling the contract;

• Our sales-related expenses;

• Distribution provisions under the plan;

• The plan’s purchase of one or more other variable annuity contracts from us and the features of those contracts;

• The level of employer involvement in determining eligibility for distributions under the contract;

• Our assessment of financial risk to the Company relating to withdrawals;

• Whether the contract results from the exchange of another contract issued by the Company to the same plan sponsor; and

• Whether the plan sponsor has elected to offer the transferred asset benefit option.

We may also apply different early withdrawal charge provisions in contracts issued to certain employer groups or associations that have negotiated the contract terms on behalf of their employees. We will offer any resulting early withdrawal charge uniformly to all employees in the group.

Early Withdrawal Charge Schedule

Withdrawals from Variable Investment Options

Contract Years Completed

Fewer than 5

5 or more but fewer than 7

7 or more

Maximum Early Withdrawal Charge

Waiver of Early Withdrawal Charge. The early withdrawal charge only applies to (a) distributions for “in service transfers” where such transfers are made to another 401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) or Roth 457(b) product provider for the employer including but not limited to transfers by the contract holder of all participant accounts to a new product provider, as well as to participant initiated transfers; and (b) distributions due to a “severance from employment” that would not otherwise have qualified as a separation from service under prior IRS “same desk” guidance (prior to enactment of the Economic Growth and Tax Relief Reconciliation Act of 2001). In all other instances the early withdrawal charge is waived for any distribution allowed under the Tax Code.

Loan Interest Rate Spread

For a discussion of the loan interest rate spread, please see “LOANS – Loan Interest.”

Redemption Fees

Certain funds may impose redemption fees as a result of withdrawals, transfers, or other fund transactions you initiate. If applicable, we would deduct the amount of any redemption fees imposed by the underlying funds as a result of withdrawals, transfers or other fund transactions you initiate and remit such fees back to that fund. Redemption fees, if any, are separate and distinct from any transaction charges or other charges deducted from your account value. For a more complete description of the funds’ fees and expenses, review each fund’s prospectus.

Periodic Fees and Charges

Annual Maintenance Fee

Maximum Amount. $30.00

When/How. For those plans that have a maintenance fee, each year during the accumulation phase we deduct this fee on the account anniversary and, in some cases, at the time of full withdrawal. Under some contracts we may deduct this fee annually on the anniversary of the issue date of the contract, rather than on your account anniversary. It is generally deducted on a proportional basis from the account value invested in the subaccounts and the fixed interest options. Under some plans we deduct the maintenance fee from both employer and employee accounts, in which case we may deduct one-half the fee from each account, proportionally from your account value invested in the subaccounts and fixed interest option in each account. We may also deduct all or a partial of the maintenance fee applicable to a contract from a Roth 401(k) and/or Roth 403(b) account.

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Purpose. This fee helps defray the administrative expenses we incur in establishing and maintaining the accounts.

Reduction. The actual charge that applies to the contract issued to your contract holder may be lower than the maximum amount noted above. For contracts with less than $5 million in assets, the maintenance fee will vary strictly by the total assets in the contract, the average participant balance, and the amount and type of compensation paid to those selling the contract. Due to factors on which the fee is based, it is possible that it may increase or decrease from year to year as the characteristics of the group change, but it will never exceed the maximum of $30.

For contracts with assets equal to or greater than $5 million, the maintenance fee will generally be based on plan specific characteristics. Any reduction from the maximum amounts will reflect differences in expenses for administration based on such factors as:

• The expected level of assets under the plan (under some contracts, we may aggregate accounts under different contracts issued by the Company to the same contract holder);

• The size of the prospective group, projected annual number of eligible participants and the program’s participation rate;

• The plan design (for example, the plan may favor stability of invested assets and limit the conditions for withdrawals, loans and available investment options, which in turn lowers administrative expenses);

• The method and extent of onsite services we provide and the contract holder’s involvement in services such as enrollment and ongoing participant services;

• The amount and type of compensation paid to those selling the contract;

• The contract holder’s support and involvement in the communication, enrollment, participant education and other administrative services;

• The projected frequency of distributions; and

• The type and level of other factors that affect the overall administrative expense.

We will determine any reduction of the annual maintenance fee on a basis that is not unfairly discriminatory according to our rules in effect at the time a contract application is approved. We reserve the right to change these rules from time to time.

Daily Asset Charge

Maximum Amount. The maximum charge during the accumulation phase is 1.75% annually of your account value invested in the subaccounts. The actual charge that applies to your contract will depend on the level of assets with the Company, average participant balance, and the compensation paid to those distributing the contract. During the income phase, the charge is 1.25% annually of your account value invested in the subaccounts during the income phase. We may charge a different fee for different funds (but not beyond the maximum amount).

When/How. This fee is deducted daily from the subaccounts. We do not deduct this fee from the Fixed Plus Account II.

Purpose. This fee compensates us for the risks we assume under the contracts and the expenses we expect to incur in administering the contract. It consists of the following components:

• The mortality risk component is the risk associated with our promise to make lifetime payments based on annuity rates specified in the contracts and our funding of the death benefits and other payments we make to owners or beneficiaries of the accounts;

• The expense risk component is the risk that the actual expenses we incur under the contracts will exceed the maximum costs that we can charge; and

• The administrative charge component is designed to help defray our administrative expenses that cannot be covered by the mortality risk component and/or the expense risk component.

If the amount we deduct for this fee is not enough to cover our risks and expenses under the contracts, we will bear the loss. We may use any excess to recover distribution costs relating to the contract and as a source of profit. We expect to earn a profit from this fee.

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Reduction. The actual charge that applies to a contract may be lower than the maximum amounts noted above. For contracts with less than $5 million in assets, the daily asset charge will vary strictly by the total assets in the contract, the average participant balance, and the amount and type of compensation being paid to those who sell the contract. Due to factors on which the charge is based, it is possible that it may increase or decrease from year to year as the characteristics of the group change but it will never exceed the maximum.

For contracts with assets equal to or greater than $5 million, the daily asset charge will generally be based on plan specific characteristics. Any reduction from the maximum amounts will reflect differences in expenses for administration based on such factors as:

• The expected level of assets under the plan (under some contracts, we may aggregate accounts under different contracts issued by the Company to the same contract holder);

• The size of the prospective group, projected annual number of eligible participants and the program’s participation rate;

• The frequency, consistency and method of submitting payments and loan repayments;

• The method and extent of onsite services we provide and the contract holder’s involvement in services such as enrollment and ongoing participant services;

• The amount and type of compensation paid to those selling the contract;

• Whether a guaranteed death benefit has been selected by the contract holder;

• The contract holder’s support and involvement in the communication, enrollment, participant education and other administrative services;

• The projected frequency of distributions; and

• The type and level of other factors that affect the overall administrative expense.

Due to factors on which the charge is based, it is possible that it may increase or decrease from year to year as the characteristics of the group change.

We will determine any reduction of the daily asset charge on a basis that is not unfairly discriminatory according to our rules in effect at the time a contract application is approved. We reserve the right to change these rules from time to time.

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Subaccount Administrative Adjustment Charge

Maximum Amount. 0.80%. For contracts issued before May 1, 2004 (or state regulatory approval of the maximum 0.80% charge, whichever is later), the maximum subaccount administrative adjustment charge is 0.60%.

When/How. This fee is deducted daily only from the subaccounts for a select group of investment options. The charge will vary by investment option, but will never exceed the maximum amount. The investment options where this fee applies and the current charges are noted below:

	Fund or Fund Family	Charge	Fund or Fund Family	Charge
	AB Relative Value Fund (Class A)	0.20%	Thornburg International Value Fund (Class R4)	0.10%
	Alger Fund Family (Class A)	0.10%	Vanguard^® Variable Insurance Fund Family	0.60%
	AllianzGI NFJ Fund Family (Class A)	0.20%	Victory Sycamore Established Value Fund (Class A)	0.10%
	Amana Fund Family (Investor Class)	0.25%	Voya Balanced Portfolio (Class I)	0.25%
	American Century Investments^® Inflation-Adjusted Bond Fund (Investor Class)	0.35%	Voya Government Money Market Portfolio (Class I)	0.50%
	Ariel Fund Family (Investor Class)	0.35%	Voya Growth and Income Portfolio (Class I)	0.35%
	Artisan International Fund (Investor Shares)	0.25%	Voya Growth and Income Portfolio (Class S)	0.10%
	BlackRock Equity Dividend Fund (Investor A Shares)	0.10%	Voya High Yield Portfolio (Class S)	0.10%
	BlackRock Mid Cap Dividend Fund (Class A)	0.10%	Voya Index Plus LargeCap Portfolio (Class I)	0.40%
	Columbia Fund Family (Class A)	0.20%	Voya Index Plus MidCap Portfolio (Class I)	0.40%
	CRM Mid Cap Value Fund (Investor Shares)	0.20%	Voya Index Plus Small Cap Portfolio (Class I)	0.40%
	Dodge & Cox Fund Family	0.50%	Voya Intermediate Bond Portfolio (Class I)	0.35%
	Fidelity Advisor^® New Insights Fund (Class I)	0.40%	Voya International Index Portfolio (Class I)	0.25%
	Fidelity^® VIP Fund Family (Initial Class)	0.40%	Voya Investors Trust Fund Family (Class S)	0.10%
	Franklin^® Fund Family (Class A and Class 2)	0.20%	Voya Large Cap Value Portfolio (Class I)	0.35%
Invesco Fund Family (Class A)		0.15%	Voya MidCap Opportunities Portfolio (Class I)	0.15%
Invesco Health Care Fund (Investor Class)		0.15%	Voya Multi-Manager Large Cap Core Portfolio (Class I)	0.35%
Invesco Small Cap Value Fund (Class A)		0.20%	Voya Russell^TM Large Cap Index Portfolio (Class I)	0.25%
Lazard Emerging Markets Equity Portfolio (Open Shares)		0.20%	Voya Russell^TM Mid Cap Index Portfolio (Class I)	0.25%
Lord Abbett Fund Family (Class A)		0.20%	Voya Russell^TM Small Cap Index Portfolio (Class I)	0.25%
Massachusetts Investors Growth Stock Fund (Class A)		0.25%	Voya SmallCap Opportunities Portfolio (Class I)	0.20%
Neuberger Berman Fund Family (Trust Class)		0.35%	Voya Strategic Allocation Fund Family (Class I)	0.15%
Oppenheimer Fund Family (Class A)		0.20%	Voya U.S. Bond Index Portfolio (Class I)	0.25%
Pax Balanced Fund (Investor Class)		0.20%	VY^® Oppenheimer Global Portfolio (Class I)	0.25%
PIMCO Real Return Portfolio (Administrative Class)		0.25%	VY^® Templeton Global Growth Portfolio (Class I)	0.20%
Pioneer Fund Family (Class A)		0.20%	Wanger Fund Family	0.20%
Royce Total Return Fund (K Class)		0.35%	Wells Fargo Special Small Cap Value Fund (Class A)	0.25%
Templeton Foreign Fund (Class A)		0.20%	Western Asset Mortgage Backed Securities Fund (Class A)	0.05%
The Hartford International Opportunities Fund (Class R4)		0.10%

Purpose. This fee is used to help defray additional expense risk due to the decreased level of revenue that the Company receives in connection with the investment options. Due to possible changes in revenue received from each investment option, it is possible that a fee may increase or decrease over time, but it will never exceed the maximum. We will notify you in advance of any such increase. The risk is that actual expenses we incur under the contracts in connection with amounts invested in the funds will exceed the maximum amounts that we can charge.

Transferred Asset Benefit Charge

Maximum Amount. 1.00% (0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later.)

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When/How. This fee is only charged when a contract holder elects the transferred asset benefit (“TAB”) option. If charged, this fee is deducted daily from the subaccounts during the accumulation phase. It is not deducted from the Fixed Plus Account II. The fee will apply for a period of time not to exceed seven contract years, and will apply to all participants during this time period, even if they do not receive the benefit of the TAB.

Purpose. The fee helps defray costs that the Company incurs in offering the TAB option. This option is designed to offset charges that may apply when assets are transferred from another financial provider who has imposed a cancellation penalty on the transfer. The Company will apply a dollar amount not to exceed 5% of the total plan assets transferred to the Company and will apply a transferred asset benefit charge for a period not to exceed seven contract years. The number of contract years during which the fee will be assessed will depend on the dollar amount applied.

Reduction. This fee may be reduced if the dollar amount the Company applies is less than 0.50% of total plan assets transferred to the Company.

Fund Fees and Expenses

As shown in the fund prospectuses and described in the “Fee Table - Fund Fees and Expenses,” each fund deducts management/investment advisory fees from the amounts allocated to the fund. In addition, each fund deducts other expenses, which may include service fees that may be used to compensate service providers, including the Company and its affiliates, for administrative and contract holder services provided on behalf of the fund. Furthermore, certain funds deduct a distribution or 12b-1 fee, which is used to finance any activity that is primarily intended to result in the sale of fund shares. Fund fees and expenses are deducted from the value of the fund shares on a daily basis, which in turn affects the value of each subaccount that purchases fund shares. Fund fees and expenses are one factor that impacts the value of a fund’s shares. To learn more about fund fees and expenses, the additional factors that can affect the value of a fund’s shares and other important information about the funds, refer to the fund prospectuses.

Less expensive share classes of the funds offered through this contract may be available for investment outside of this contract. You should evaluate the expenses associated with the funds available through this contract before making a decision to invest.

Revenue from the Funds

The Company or its affiliates may receive compensation from each of the funds or the funds’ affiliates. This revenue may include:

• A share of the management fee;

• Service fees;

• For certain share classes, 12b-1 fees; and

• Additional payments (sometimes referred to as revenue sharing).

12b-1 fees are used to compensate the Company and its affiliates for distribution related activity. Service fees and additional payments (sometimes collectively referred to as sub-accounting fees) help compensate the Company and its affiliates for administrative, recordkeeping or other services that we provide to the funds or the funds’ affiliates, such as:

• Communicating with customers about their fund holdings;

• Maintaining customer financial records;

• Processing changes in customer accounts and trade orders (e.g. purchase and redemption requests);

• Recordkeeping for customers, including subaccounting services;

• Answering customer inquiries about account status and purchase and redemption procedures;

• Providing account balances, account statements, tax documents and confirmations of transactions in a customer’s account;

• Transmitting proxy statements, annual and semi-annual reports, fund prospectuses and other fund communications to customers; and

• Receiving, tabulating and transmitting proxies executed by customers.

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The management fee, service fees and 12b-1 fees are deducted from fund assets. Any such fees deducted from fund assets are disclosed in the fund prospectuses. Additional payments, which are not deducted from fund assets and may be paid out of the legitimate profits of fund advisers and/or other fund affiliates, do not increase, directly or indirectly, fund fees and expenses, and we may use these additional payments to finance distribution.

The amount of revenue the Company may receive from each of the funds or from the funds’ affiliates may be substantial, although the amount and types of revenue vary with respect to each of the funds offered through the contract. This revenue is one of several factors we consider when determining contract fees and charges and whether to offer a fund through our contracts. Fund revenue is important to the Company’s profitability and it is generally more profitable for us to offer affiliated funds than to offer unaffiliated funds.

Assets allocated to affiliated funds, meaning funds managed by Voya Investments, LLC or another Company affiliate, generate the largest dollar amount of revenue for the Company. Affiliated funds may also be subadvised by a Company affiliate or an unaffiliated third party. Assets allocated to unaffiliated funds, meaning funds managed by an unaffiliated third party, generate lesser, but still substantial dollar amounts of revenue for the Company. The Company expects to earn a profit from this revenue to the extent it exceeds the Company’s expenses, including the payment of sales compensation to our distributors.

Revenue Received from Affiliated Funds. The revenue received by the Company from affiliated funds may be based either on an annual percentage of average net assets held in the fund by the Company or a share of the fund’s management fee.

In the case of affiliated funds subadvised by unaffiliated third parties, any sharing of the management fee between the Company and the affiliated investment adviser is based on the amount of such fee remaining after the subadvisory fee has been paid to the unaffiliated subadviser. Because subadvisory fees vary by subadviser, varying amounts of revenue are retained by the affiliated investment adviser and ultimately shared with the Company. The sharing of the management fee between the Company and the affiliated investment adviser does not increase, directly or indirectly, fund fees and expenses. The Company may also receive additional compensation in the form of intercompany payments from an affiliated fund’s investment adviser or the investment adviser’s parent in order to allocate revenue and profits across the organization. The intercompany payments and other revenue received from affiliated funds provide the Company with a financial incentive to offer affiliated funds through the contract rather than unaffiliated funds.

Additionally, in the case of affiliated funds subadvised by third parties, no direct payments are made to the Company or the affiliated investment adviser by the subadvisers. However, subadvisers may provide reimbursement for employees of the Company or its affiliates to attend business meetings or training conferences.

Revenue Received from Unaffiliated Funds. Revenue received from each of the unaffiliated funds or their affiliates is based on an annual percentage of the average net assets held in that fund by the Company. Some unaffiliated funds or their affiliates pay us more than others and some of the amounts we receive may be significant.

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If the unaffiliated fund families currently offered through the contract (including funds with limited availability) that made payments to us were individually ranked according to the total amount they paid to the Company or its affiliates in 2017, in connection with the registered variable annuity contracts issued by the Company, that ranking would be as follows:

•	American Funds^®	•	Alger Funds
•	Fidelity Investments^®	•	Invesco Investments
•	OppenheimerFunds, Inc.	•	Victory Funds
•	Wells Fargo Funds Management, LLC	•	T. Rowe Price Funds
•	Franklin^® Templeton^® Investments	•	Allianz Global Investors
•	Amana Funds	•	Hartford Funds
•	PIMCO Funds	•	MFS Investment Management^®
•	Lord Abbett Funds	•	Lazard Funds
•	BlackRock, Inc.	•	CRM Funds
•	Pax World Funds	•	AllianceBernstein Investments
•	American Century Investments^®	•	Dodge & Cox Funds
•	Pioneer Investments	•	MainStay Investments^®
•	Columbia Wanger Asset Management	•	Thornburg Investment Management
•	Neuberger Berman Management, Inc.	•	Royce Funds
•	Artisan Funds	•	Eaton Vance Distributors, Inc.
•	Ariel Mutual Funds

If the revenues received from the affiliated funds were taken into account when ranking the funds according to the total dollar amount they paid to the Company or its affiliates in 2017, the affiliated funds would be first on the list.

In addition to the types of revenue received from affiliated and unaffiliated funds described above, affiliated and unaffiliated funds and their investment advisers, subadvisers or affiliates may participate at their own expense in Company sales conferences or educational and training meetings. In relation to such participation, a fund’s investment adviser, subadviser or affiliate may help offset the cost of the meetings or sponsor events associated with the meetings. In exchange for these expense offset or sponsorship arrangements, the investment adviser, subadviser or affiliate may receive certain benefits and access opportunities to Company representatives and wholesalers rather than monetary benefits. These benefits and opportunities include, but are not limited to co-branded marketing materials, targeted marketing sales opportunities, training opportunities at meetings, training modules for personnel, and opportunities to host due diligence meetings for representatives and wholesalers.

Please note certain management personnel and other employees of the Company or its affiliates may receive a portion of their total employment compensation based on the amount of net assets allocated to affiliated funds. See also “Contract Distribution.”

Fund of Funds

Certain funds may be structured as “fund of funds” or “master-feeder” funds. These funds may have higher fees and expenses than a fund that invests directly in debt and equity securities because they also incur the fees and expenses of the underlying funds in which they invest. These funds may be affiliated funds, and the underlying funds in which they invest may be affiliated as well. The fund prospectuses disclose the aggregate annual operating expenses of each fund and its corresponding underlying fund or funds. These funds are identified in the investment option list in the front of this prospectus.

Premium and Other Taxes

Maximum Amount. Some states and municipalities charge a premium tax on annuities. These taxes currently range from 0% to 4%, depending on the jurisdiction.

When/How. We reserve the right to deduct a charge for premium taxes from your account value or from purchase payments to the account at any time, but not before there is a tax liability under state law. For example, we may deduct a charge for premium taxes at the time of a complete withdrawal or we may reflect the cost of premium taxes in our income phase payment rates when you commence income phase payments. We will not deduct a charge for municipal premium tax of 1% or less, but we reserve the right to reflect such an expense in our annuity purchase rates.

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In addition, the Company reserves the right to assess a charge for any federal taxes due against the separate account. See “FEDERAL Tax Considerations.”

YOUR ACCOUNT VALUE

During the accumulation phase, your account value at any given time equals:

• Account dollars directed to the fixed interest options, including interest earnings to date; less

• Any deductions from the fixed interest options (e.g. withdrawals); plus

• The current dollar value of amounts held in the subaccounts, which takes into account investment performance and fees deducted from the subaccounts.

Subaccount Accumulation Units. When a fund is selected as an investment option, your account dollars invest in “accumulation units” of the separate account subaccount corresponding to that fund. The subaccount invests directly in the fund shares. The value of your interests in a subaccount is expressed as the number of accumulation units you hold multiplied by an “Accumulation Unit Value,” as described below, for each unit.

Accumulation Unit Value (AUV). The value of each accumulation unit in a subaccount is called the accumulation unit value or AUV. The AUV varies daily in relation to the underlying fund’s investment performance. The AUV also reflects deductions for fund fees and expenses, the daily asset charge, the subaccount administrative adjustment charge, if any, and the transferred asset benefit charge (if applicable). We discuss these deductions in more detail in “Fee Table” and “Fees.”

Valuation. We determine the AUV every business day after the close of the NYSE (normally at 4:00 p.m. Eastern Time). At that time, we calculate the current AUV by multiplying the AUV last calculated by the “net investment factor” of the subaccount. The net investment factor measures the investment performance of the subaccount from one valuation to the next.

Current AUV = Prior AUV x Net Investment Factor

Net Investment Factor. The net investment factor for a subaccount between two consecutive valuations equals the sum of 1.0000 plus the net investment rate.

Net Investment Rate. The net investment rate is computed according to a formula that is equivalent to the following:

• The net assets of the fund held by the subaccount as of the current valuation; minus

• The net assets of the fund held by the subaccount at the preceding valuation; plus or minus

• Taxes or provisions for taxes, if any, due to subaccount operations (with any federal income tax liability offset by foreign tax credits to the extent allowed); divided by

• The total value of the subaccount’s units at the preceding valuation; minus

• A daily deduction for the daily asset charge, the transferred asset benefit charge (if applicable) and subaccount administrative adjustment charges, if any, and any other fees deducted daily from investments in the separate account. See “Fees.”

The net investment rate may be either positive or negative.

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Hypothetical Illustration. As a hypothetical illustration, assume that an investor contributes $5,000 to his account and directs us to invest $3,000 in Fund A and $2,000 in Fund B. After receiving the contribution and following the next close of business of the NYSE (normally at 4:00 p.m. Eastern Time), the applicable AUV’s are $10 for Subaccount A, and $25 for Subaccount B. The investor’s account is credited with 300 accumulation units of subaccount A and 80 accumulation units of subaccount B.

Step 1: An investor contributes $5,000. Step 2: • He directs us to invest $3,000 in Fund A. His dollars purchase 300 accumulation units of Subaccount A ($3,000 divided by the current $10 AUV). • He directs us to invest $2,000 in Fund B. His dollars purchase 80 accumulation units of Subaccount B ($2,000 divided by the current $25 AUV). Step 3: The separate account then purchases shares of the applicable funds at the current market value (net asset value or NAV).	$5,000 contribution
				Step 1 \|\|
	Voya Retirement Insurance and Annuity Company
				Step 2 \|\|
	Variable Annuity Account C
	Subaccount A 300 accumulation units		Subaccount B 80 accumulation units			Etc.
		\|\| Step 3 \|\|
		Fund A			Fund B

The fund’s subsequent investment performance, expenses and charges, and the daily charges deducted from the subaccount, will cause the AUV to move up or down on a daily basis.

Purchase Payments to Your Account. If all or a portion of initial purchase payments are directed to the subaccounts, they will purchase subaccount accumulation units at the AUV next computed after our acceptance of the applicable application or enrollment forms, as described in “Contract Purchase and Participation.” Subsequent purchase payments or transfers directed to the subaccounts that we receive in good order by the close of business of the NYSE (normally at 4:00 p.m. Eastern Time) will purchase subaccount accumulation units at the AUV computed as of the close of the NYSE (normally at 4:00 p.m. Eastern Time) on that day. The value of subaccounts may vary day to day. Subsequent purchase payments and transfers received in good order after the close of the NYSE will purchase accumulation units at the AUV computed after the close of the NYSE on the next business day.

TRANSFERS

Transfers Among Investment Options. During the accumulation phase and the income phase, the contract holder, or you if permitted by the plan, may transfer amounts among investment options. See “Income Phase” for additional information about transfers during the income phase. Transfers from the Fixed Plus Account II are restricted as outlined in APPENDIX I and the contract. Transfers may be requested in writing, by telephone or, where available, electronically at www.voyaretirementplans.com, subject to restrictions that may be imposed by the Company. Transfers must be made in accordance with the terms of the contract.

Value of Transferred Dollars. The value of amounts transferred in or out of subaccounts will be based on the subaccount unit values next determined after we receive your request in good order at the address listed in “Contract Overview - Questions: Contacting the Company,” or if you are participating in the account rebalancing programs, after your scheduled transfer or reallocation.

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Telephone and Electronic Transfers: Security Measures. To prevent fraudulent use of telephone or electronic transactions (including, but not limited to, Internet transactions), we have established security procedures. These include recording calls on our toll-free telephone lines and requiring use of a unique identifier or personal password. You are responsible for keeping your unique identifier or personal password and account information confidential. If we fail to follow reasonable security procedures, we may be liable for losses due to unauthorized or fraudulent telephone or other electronic transactions. We are not liable for losses resulting from following telephone or electronic instructions we believe to be genuine. If a loss occurs when we rely on such instructions, you will bear the loss.

Limits on Frequent or Disruptive Transfers

The contract is not designed to serve as a vehicle for frequent transfers. Frequent transfer activity can disrupt management of a fund and raise its expenses through:

• Increased trading and transaction costs;

• Forced and unplanned portfolio turnover;

• Lost opportunity costs; and

• Large asset swings that decrease the fund’s ability to provide maximum investment return to all contract owners and participants.

This in turn can have an adverse effect on fund performance. Accordingly, individuals or organizations that use market-timing investment strategies or make frequent transfers should be aware that:

• We suspend the Electronic Trading Privileges, as defined below, of any individual or organization if we determine, in our sole discretion, that the individual’s or organization’s transfer activity is disruptive or not in the best interest of other owners of our variable insurance and retirement products, or the participant’s in such products; and

• Each underlying fund may limit or restrict fund purchases and we will implement any limitation or restriction on transfers to an underlying fund as directed by that underlying fund.

Consequently, individuals or organizations that use market-timing investment strategies or make frequent transfers should not purchase or participate in the contract.

Excessive Trading Policy. We and the other members of the Voya family of companies that provide multi-fund variable insurance and retirement products have adopted a common Excessive Trading Policy to respond to the demands of the various fund families that make their funds available through our products to restrict excessive fund trading activity and to ensure compliance with Rule 22c-2 of the 1940 Act.

We actively monitor fund transfer and reallocation activity within our variable insurance products to identify violations of our Excessive Trading Policy. Our Excessive Trading Policy is violated if fund transfer and reallocation activity:

• Meets or exceeds our current definition of Excessive Trading, as defined below; or

• Is determined, in our sole discretion, to be disruptive or not in the best interests of other owners of our variable insurance and retirement products, or participants in such products.

We currently define “Excessive Trading” as:

• More than one purchase and sale of the same fund (including money market funds) within a 60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a “round-trip”). This means two or more round-trips involving the same fund within a 60 calendar day period would meet our definition of Excessive Trading; or

• Six round-trips involving the same fund within a rolling 12-month period.

The following transactions are excluded when determining whether trading activity is excessive:

• Purchases or sales of shares related to non-fund transfers (for example, new purchase payments, withdrawals and loans);

• Transfers associated with any scheduled dollar cost averaging, scheduled rebalancing, or scheduled asset allocation programs;

• Purchases and sales of fund shares in the amount of $5,000 or less;

• Purchases and sales of funds that affirmatively permit short-term trading in their fund shares, and movement between such funds and a money market fund; and

• Transactions initiated by us, another member of the Voya family of companies, or a fund.

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If we determine that an individual or entity has made a purchase of a fund within 60 days of a prior round-trip involving the same fund, we will send them a letter warning that another sale of that same fund within 60 days of the beginning of the prior round-trip will be deemed to be Excessive Trading and result in a six month suspension of their ability to initiate fund transfers or reallocations through the Internet, facsimile, Voice Response Unit (VRU), telephone calls to Customer Service or other electronic trading medium that we may make available from time to time (“Electronic Trading Privileges”). Likewise, if we determine that an individual or entity has made five round-trips involving the same fund within a rolling 12-month period, we will send them a letter warning that another purchase and sale of that same fund within 12 months of the initial purchase in the first round-trip will be deemed to be Excessive Trading and result in a suspension of their Electronic Trading Privileges. According to the needs of the various business units, a copy of any warning letters may also be sent, as applicable, to the person(s) or entity authorized to initiate fund transfers or reallocations, the agent/registered representative, or the investment adviser for that individual or entity. A copy of the warning letters and details of the individual’s or entity’s trading activity may also be sent to the fund whose shares were involved in the trading activity.

If we determine that an individual or entity has violated our Excessive Trading Policy, we will send them a letter stating that their Electronic Trading Privileges have been suspended for a period of six months. Consequently, all fund transfers or reallocations, not just those that involve the fund whose shares were involved in the activity that violated our Excessive Trading Policy, will then have to be initiated by providing written instructions to us via regular U.S. mail. Suspension of Electronic Trading Privileges may also extend to products other than the product through which the Excessive Trading activity occurred. During the six month suspension period, electronic “inquiry only” privileges will be permitted where and when possible. A copy of the letter restricting future transfer and reallocation activity to regular U.S. mail and details of the individual’s or entity’s trading activity may also be sent, as applicable, to the person(s) or entity authorized to initiate fund transfers or reallocations, the agent/registered representative or investment adviser for that individual or entity, and the fund whose shares were involved in the activity that violated our Excessive Trading Policy.

Following the six month suspension period during which no additional violations of our Excessive Trading Policy are identified, Electronic Trading Privileges may again be restored. We will continue to monitor the fund transfer and reallocation activity, and any future violations of our Excessive Trading Policy will result in an indefinite suspension of Electronic Trading Privileges. A violation of our Excessive Trading Policy during the six month suspension period will also result in an indefinite suspension of Electronic Trading Privileges.

We reserve the right to suspend Electronic Trading Privileges with respect to any individual or entity, with or without prior notice, if we determine, in our sole discretion, that the individual’s or entity’s trading activity is disruptive or not in the best interests of other owners of our variable insurance and retirement products, or participants in such products, regardless of whether the individual’s or entity’s trading activity falls within the definition of Excessive Trading set forth above.

Our failure to send or an individual’s or entity’s failure to receive any warning letter or other notice contemplated under our Excessive Trading Policy will not prevent us from suspending that individual’s or entity’s Electronic Trading Privileges or taking any other action provided for in our Excessive Trading Policy.

The Company does not allow exceptions to our Excessive Trading Policy. We reserve the right to modify our Excessive Trading Policy, or the policy as it relates to a particular fund, at any time without prior notice, depending on, among other factors, the needs of the underlying fund(s), the best interests of contract owners, participants, and fund investors, and/or state or federal regulatory requirements. If we modify our policy, it will be applied uniformly to all contract owners and participants or, as applicable, to all contract owners and participants investing in the underlying fund.

Our Excessive Trading Policy may not be completely successful in preventing market-timing or excessive trading activity. If it is not completely successful, fund performance and management may be adversely affected, as noted above.

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Limits Imposed by the Underlying Funds. Each underlying fund available through the variable insurance and retirement products offered by us and/or the other members of the Voya family of companies, either by prospectus or stated policy, has adopted or may adopt its own excessive/frequent trading policy, and orders for the purchase of fund shares are subject to acceptance or rejection by the underlying fund. We reserve the right, without prior notice, to implement fund purchase restrictions and/or limitations on an individual or entity that the fund has identified as violating its excessive/frequent trading policy and to reject any allocation or transfer request to a subaccount if the corresponding fund will not accept the allocation or transfer for any reason. All such restrictions and/or limitations (which may include, but are not limited to, suspension of Electronic Trading Privileges and/or blocking of future purchases of a fund or all funds within a fund family) will be done in accordance with the directions we receive from the fund.

Agreements to Share Information with Fund Companies. As required by Rule 22c-2 under the 1940 Act, we have entered into information sharing agreements with each of the fund companies whose funds are offered through the contract. Contract owner and participant trading information is shared under these agreements as necessary for the fund companies to monitor fund trading and our implementation of our Excessive Trading Policy. Under these agreements, the Company is required to share information regarding contract owner and participant transactions, including but not limited to information regarding fund transfers initiated by you. In addition to information about contract owner and participant transactions, this information may include personal contract owner and participant information, including names and social security numbers or other tax identification numbers.

As a result of this information sharing, a fund company may direct us to restrict a contract owner or participant’s transactions if the fund determines that the contract owner or participant has violated the fund’s excessive/frequent trading policy. This could include the fund directing us to reject any allocations of purchase payments or account value to the fund or all funds within the fund family.

Asset Rebalancing Program. Under some contracts you may participate in asset rebalancing. Asset rebalancing allows you to reallocate your account value in the investments and percentages you identify. Only account values invested in the subaccounts identified may be rebalanced. We automatically reallocate your account value annually (or more frequently as we allow). Asset rebalancing neither ensures a profit nor guarantees against loss in a declining market. There is no additional charge for this program. If available under your contract, you may elect the asset rebalancing program electronically at https://voyaretirement.voyaplans.com, or by completing and submitting an asset rebalancing form. The Company may change or discontinue the asset rebalancing program at any time.

Subaccount reallocations or changes outside of the asset rebalancing program may affect the program. Changes such as fund mergers, substitutions, or closures may also affect the program.

WITHDRAWALS
Making a Withdrawal. Subject to limitations on withdrawals from the Fixed Plus Account II and other restrictions (see “Withdrawals - Withdrawal Restrictions” on the following page), the contract holder, or you if permitted by the plan, may withdraw all or a portion of your account value at any time during the accumulation phase.		Deductions for Taxes Amounts withdrawn may be subject to tax penalties and withholding. See “FEDERAL Tax Considerations.” To determine which may apply, refer to the appropriate sections of this prospectus, contact your local representative or call the Company at the number listed in “Contract Overview - Questions: Contacting the Company.”
Steps for Making a Withdrawal. The contract holder, or you if permitted by the plan, must: • Select the withdrawal amount; > Full Withdrawal: You will receive, reduced by any required tax, your account value allocated to the subaccounts and the GAA (plus or minus any applicable market value adjustment), minus any applicable early withdrawal charge, maintenance fee, or redemption fees, plus the amount available for withdrawal from the Fixed Plus Account II; or

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> Partial Withdrawal (Percentage or Specified Dollar Amount): You will receive, reduced by any required tax, the amount you specify, subject to the value available in your account. However, the amount actually withdrawn from your account will be adjusted by any applicable redemption fees and by any applicable early withdrawal charge for amounts withdrawn from the subaccounts or the GAA, and any positive or negative market value adjustments for amounts withdrawn from the GAA. The amount available from the Fixed Plus Account II may be limited;

• Select investment options. If not specified, we will withdraw dollars in the same proportion as the values you hold in the various investment options from each investment option in which you have an account value; and

• Properly complete a disbursement form and submit it to the address listed in “Contract Overview - Questions: Contacting the Company.”

For a description of limitations on withdrawals from the Fixed Plus Account II, see APPENDIX I.

Calculation of Your Withdrawal. We determine your account value every normal business day after the close of the NYSE (normally at 4:00 p.m. Eastern Time). We pay withdrawal amounts based on your account value either:

• As of the next valuation date after we receive a request for withdrawal in good order at the address listed in “Contract Overview - Questions: Contacting the Company”; or

• On such later date as specified on the disbursement form.

Delivery of Payment. Payments for withdrawal requests will be made in accordance with SEC requirements. Normally, we will send your payment no later than seven calendar days following our receipt of your disbursement form in good order.

Reinstatement Privilege. The contract allows for a one-time use of a reinstatement privilege. Within 30 days after a full withdrawal, if allowed by law, you may elect to reinstate all or a portion of the proceeds. We must receive reinstated amounts within 60 days of the withdrawal. We will credit the account for the amount reinstated based on the subaccount values next computed following our receipt of your request and the amount to be reinstated. Provided all options are available, we will reinvest in the same investment options and proportions in place at the time of withdrawal. If an investment option is closed or otherwise no longer available, amounts to be allocated to any such option will be reinvested in a replacement option as directed by your plan sponsor. If your plan sponsor has not designated a replacement option, unless we receive alternative allocation instructions, amounts that would have been reinvested in the investment option that is closed or unavailable may be automatically allocated among the other available investment options according to the most recent allocation instructions we have on file. If the most recent allocation instructions we have on file do not include any available investment options, the amount to be allocated will be returned unless we are provided with alternative allocation instructions. Special rules apply to reinstatements of amounts withdrawn from the GAA. See “APPENDIX II.” Seek competent advice regarding the tax consequences associated with reinstatement.

Withdrawal Restrictions. Some plans may have other limits on withdrawals, other than or in addition to those listed below:

• Section 403(b)(11) of the Tax Code prohibits withdrawals under 403(b) contracts prior to your death, disability, attainment of age 59½, severance from employment, or financial hardship, of the following:

> Salary reduction contributions made after December 31, 1988;

> Earnings on those contributions; and

> Earnings on amounts held before 1989 and credited after December 31, 1988 (these amounts are not available for hardship withdrawals). Other withdrawals may be allowed as provided for under the Tax Code or regulations;

• The contract may require that the contract holder certify that you are eligible for a distribution;

• Effective January 1, 2009, 403(b) regulations impose restrictions on the distribution of 403(b) employer contributions under certain contracts. See “FEDERAL Tax Considerations - Distributions – Eligibility – 403(b) and Roth 403(b) Plans;”

• 401(k) plans generally prohibit withdrawal of salary reduction contributions and associated earnings prior to your death, disability, attainment of age 59½, severance from employment, or financial hardship (only contributions, and not the earnings, may be withdrawn on financial hardship);

• The contract generally requires that the plan sponsor or its delegate certify that you are eligible for the distribution; and

• If you are married and covered by an ERISA plan, the contract holder must provide certification that Retirement Equity Act requirements have been met.

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Waivers of Early Withdrawal Charge and Fixed Plus Account II Full Withdrawal Provisions. Although the Tax Code permits distributions upon a participant’s severance from employment, the contracts do not provide for a waiver of early withdrawal charges or the Fixed Plus Account II full withdrawal provisions unless the severance from employment would otherwise have qualified as a separation from service under prior IRS “same desk” guidance (prior to enactment of the Economic Growth and Tax Relief Reconciliation Act of 2001).

SYSTEMATIC DISTRIBUTION OPTIONS

Availability of Systematic Distribution Options. These options may be exercised at any time during the accumulation phase of the contract. To exercise one of these options the account value must meet any minimum dollar amount and age criteria applicable to that option. No early withdrawal charge applies to amounts paid out under systematic distribution options. To determine what systematic distribution options are available, check with the contract holder or the Company. The Company reserves the right to discontinue the availability of one or all of the systematic distribution options at any time, and/or to change the terms for future elections.

Systematic distribution options currently available under the contract include the following:

• Systematic Withdrawal Option (“SWO”). SWO is a series of partial withdrawals from your account based on a payment method you select. It is designed for those who want a periodic income while retaining accumulation phase investment flexibility for amounts accumulated under the account. (This option may not be available if you have an outstanding loan); and

Features of a Systematic

Distribution Option

If available under your plan, a systematic distribution option allows you to receive regular payments from your account without moving into the income phase. By remaining in the accumulation phase, you retain certain rights and investment flexibility not available during the income phase. Because the account remains in the accumulation phase, all accumulation phase charges continue to apply.

• Estate Conservation Option (“ECO”). ECO also allows you to maintain the account in the accumulation phase and provides periodic payments designed to meet the Tax Code’s required minimum distribution. Under ECO, the Company calculates the minimum distribution amount required by law at age 70½ (for certain plans, 70½ or retirement, if later) and pays you that amount once a year.

Other Systematic Distribution Options. Other systematic distribution options may be available from time to time. Additional information relating to any of the systematic distribution options may be obtained from your local representative or by contacting us at the address listed in “Contract Overview - Questions: Contacting the Company.”

Electing a Systematic Distribution Option. The contract holder, or you if permitted by the plan, makes the election of a systematic distribution option. For some contracts, the contract holder must provide the Company with certification that the distribution is in accordance with terms of the plan.

Terminating a Systematic Distribution Option. Once you elect a systematic distribution option (other than for accounts that are part of 457 plan contracts issued to non-governmental, tax exempt employers), you may revoke it at any time through a written request to the address listed in “Contract Overview - Questions: Contacting the Company.” Once revoked, an option may not be elected again, until the next calendar year, nor may any other systematic distribution option be elected, unless the Tax Code permits it.

Tax Consequences. Withdrawals received through these options and revocations of elections may have tax consequences. See “FEDERAL Tax Considerations.”

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LOANS

Availability. If allowed by the contract and the plan, you may take out a loan from your account value during the accumulation phase. Some contracts restrict loans from your employer account. Loans are only allowed from amounts allocated to certain subaccounts and the Fixed Plus Account II. Additional restrictions may apply under the Tax Code, ERISA (if applicable), your plan, or due to our administrative practices or those of a third party administrator selected by your plan sponsor, and loans may be subject to approval by the plan sponsor or its delegate. Generally loans are only available from 403(b) plans utilizing contracts described in this prospectus. Loans are not available from Roth 401(k) or Roth 403(b) contracts or accounts, and the participant Roth 401(k) or Roth 403(b) account is excluded from the amount available for loan. For Tax Code Section 401(a), 401(k) or 457(b) plans where the sponsor has elected to offer loans administered outside the group annuity contract, additional fees may be charged by a third party administrator. We reserve the right not to grant a loan request if the participant has an outstanding loan in default.

Unless specifically permitted by the terms of your plan and supported by your plan's administrator and record keeper, a loan is not available from your Roth 457(b) account. Absent such an exception, this means that although your Roth 457(b) account may be included in the calculation of the amount available for loan ("lienable"), the amount of your Roth 457(b) account may not be part of a loan ("loanable"). Accordingly, the amount available for a full or partial withdrawal from a Participant Roth Account will not be reduced by any outstanding loan balance. Further, in the event of a loan default, no amount of the outstanding loan balance will be deducted from your 457(b) Roth account.

Requests. If you are eligible to obtain a loan, you may request one by properly completing the loan request form and submitting it to the address listed in “Contract Overview - Questions: Contacting the Company.” Read the terms of the loan agreement before submitting any request.

Loan Interest. Interest will be applied on loaned amounts. The difference between the rate charged and the rate credited on loans under your contract is currently 2.5% per annum (i.e., a 2.5% loan interest rate spread). We reserve the right to apply a loan interest rate spread of up to 3.0% per annum.

DEATH BENEFIT

The contract provides a death benefit in the event of your death, which is payable to the beneficiary named under the contract (contract beneficiary) as follows:

• Under contracts issued in connection with most types of plans except voluntary 403(b) plans (including Roth 403(b) plans), the contract holder must be named as the contract beneficiary, but may direct that we make any payments to the beneficiary you name under the plan (plan beneficiary); and

• Under contracts issued in connection with voluntary 403(b) plans (including Roth 403(b) plans), you may generally designate your own contract beneficiary who will normally be your plan beneficiary, as well.

During the Income Phase

This section provides information about the accumulation phase. For death benefit information applicable to the income phase, see “Income Phase.”

During the Accumulation Phase

Payment Process:

• Following your death, the contract beneficiary (on behalf of the plan beneficiary, if applicable) must provide the Company with proof of death acceptable to us and a payment request in good order;

• The payment request should include selection of a benefit payment option; and

• Within seven calendar days after we receive proof of death acceptable to us and payment request in good order at the address listed in “Contract Overview - Questions: Contacting the Company” we will mail payment, unless otherwise requested.

Until one of the benefit payment options listed below is selected, account dollars will remain invested as at the time of your death, and no distributions will be made.

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Benefit Payment Options. If you die during the accumulation phase of your account, the following payment options are available to your beneficiary, if allowed by the Tax Code:

• Lump-sum payment;

• Payment under an available income phase payment option (see “Income Phase - Payment Options”); and

• Payment under an available systematic distribution option (subject to limitations) (see “Systematic Distribution Options”).

The account value may also remain invested in the contract; however, the Tax Code limits how long the death benefit proceeds may be left in this option.

Payment of Death Benefit or Proceeds

Subject to the conditions and requirements of state law, full payment of the death benefit or proceeds (“Proceeds”) to a beneficiary may be made either into an interest bearing retained asset account that is backed by our general account (described in “The Retained Asset Account” below) or by check. For additional information about the payment options available to you, please refer to your claim forms or contact us at the address shown in “CONTRACT OVERVIEW – Questions: Contacting the Company.” Beneficiaries should carefully review all settlement and payment options available under the contract and are encouraged to consult with a financial professional, tax and/or legal adviser before choosing a settlement or payment option.

The Retained Asset Account. The retained asset account, known as the Voya Personal Transition Account, is an interest bearing account backed by our general account. The retained asset account is not guaranteed by the Federal Deposit Insurance Corporation (“FDIC”) and, as part of our general account, is subject to the claims of our creditors. Beneficiaries that receive their payment through the retained asset account may access the entire Proceeds in the account at any time without penalty through a draftbook feature. The Company seeks to earn a profit on the account, and interest credited on the account may vary from time to time but will not be less than the minimum rate stated in the supplemental contract delivered to the beneficiary together with the paperwork to make a claim to the Proceeds. Interest earned on the Proceeds in the account may be less than could be earned if the Proceeds were invested outside of the account. Likewise, interest credited on the Proceeds in the account may be less than under other settlement or payment options available through the contract.

Death Benefit Calculation. The death benefit will be based on your account value. For amounts held in the GAA, any positive aggregate market value adjustment (the sum of all market value adjustments calculated due to a withdrawal) will be included in your account value. If a negative market value adjustment applies, it would be deducted only if the death benefit is withdrawn more than six months after your death. We describe the market value adjustment in APPENDIX II and in the GAA prospectus.

The death benefit is calculated as of the next time we value your account following the date on which we receive proof of death and payment request in good order.

Most contracts provide a guaranteed death benefit if the contract beneficiary (on behalf of the plan beneficiary, if applicable) elects a lump-sum distribution or an income phase payment option within six months of your death. For those contracts, the guaranteed death benefit is the greater of:

• Your account value on the day that notice of death and request for payment are received in good order at the address listed in “Contract Overview - Questions: Contacting the Company,” plus any positive aggregate market value adjustment that applies to amounts allocated to the GAA; or

• The sum of payments (minus any applicable premium tax) made to your account, minus withdrawals made from your account and any outstanding loan amount.

In the event that the contract beneficiary does not request payment of the death benefit as a lump sum or as an income phase option within six months of your death, the amount of the death benefit is the account value as of the next valuation following our receipt of acceptable proof of death and the payment request in good order. See the contract or certificate for treatment of amounts held in the GAA.

Tax Code Requirements. The Tax Code requires distribution of death benefit proceeds within a certain period of time. Failure to begin receiving death benefit payments within those time periods can result in tax penalties. Regardless of the method of payment, death benefit proceeds will generally be taxed to the beneficiary in the same manner as if you had received those payments. See “FEDERAL Tax Considerations” for additional information.

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INCOME PHASE

During the income phase you receive payments from your accumulated account value.

Initiating Income Phase Payments. At least 30 days prior to the date you want to start receiving payments, the contract holder, or you if permitted by the plan, must notify us in writing of the following:

• Start date;

• Income phase payment option (see the income phase payment options table in this section);

• Income phase payment frequency (i.e., monthly, quarterly, semi-annually or annually);

• Choice of fixed or variable income phase payments;

• Selection of an assumed net investment rate (only if variable income phase payments are elected); and

• Under some plans, certification from your employer and/or submission of the appropriate forms is also required.

The account will continue in the accumulation phase until the contract holder or you, as applicable, properly initiate income phase payments. Once an income phase payment option is selected, it may not be changed; however, certain options allow you to withdraw a lump sum.

What Affects Income Phase Payment Amounts? Some of the factors that may affect income phase payment amounts include: your age, your account value, the income phase payment option selected (including the frequency and duration of payments under the option selected), number of guaranteed payments (if any) selected, and whether you select variable or fixed payments. As a general rule, more frequent income phase payments will result in smaller individual income phase payments. Likewise, income phase payments that are anticipated over a longer period of time will also result in smaller individual income phase payments.

Fixed Income Phase Payments. Amounts funding fixed income phase payments will be held in the Company’s general account. Fixed payments will remain the same over time.

Variable Income Phase Payments. Amounts funding your variable income phase payments will be held in the subaccount(s) you select, based on what subaccounts are available during the income phase at the time you make your selection. Not all subaccounts available during the accumulation phase may be available during the income phase. For information about the subaccounts available during the income phase, please contact Customer Service. We currently allow you to choose up to 18 subaccounts at any one time and we allow 12 free transfers per calendar year. We reserve the right to allow additional transfers in excess of 12 per calendar year. For variable payments, an assumed net investment rate must be selected.

Assumed Net Investment Rate. If you select variable income phase payments, an assumed net investment rate must also be selected. If you select a 5% rate, your first payment will be higher, but subsequent payments will increase only if the investment performance of the subaccounts you selected is greater than 5% annually, after deduction of fees. Payment amounts will decline if the investment performance is less than 5%, after deduction of fees.

If you select a 3.5% rate, your first income phase payment will be lower and subsequent payments will increase more rapidly or decline more slowly depending upon the investment performance of the subaccounts you selected.

For more information about selecting an assumed net investment rate, request a copy of the SAI by calling us. See “Contract Overview - Questions: Contacting the Company.”

Selecting an Increasing Payment. Under certain income phase payment options, if you select fixed payments, you may elect an increase of one, two, or three percent, compounded annually. The higher your percentage, the lower your initial income phase payment will be, while future payments will increase each year at a greater rate.

Generally, this feature is not available with cash refund payment options.

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Charges Deducted. When you select an income payment phase option (one of the options listed in the tables on the following page), a daily asset charge, consisting of a daily deduction of 1.25% on an annual basis, will be deducted from amounts held in the subaccounts. This charge compensates us for mortality, expense and administrative risks we assume under variable income phase payout options and is applicable to all variable income phase payout options, including variable nonlifetime options under which we do not assume mortality risk. In this situation, this charge will be used to cover expenses. Although we expect to make a profit from this fee, we do not always do so. For variable options under which we do not assume a mortality risk, we may make a larger profit than under other options.

Required Minimum Payment Amounts. The first payment amount must meet the minimums stated in the contract. This amount is currently $50 per month or $250 per year, but the Company reserves the right to increase these amounts, if allowed by state law, based on increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If your account value is too low to meet these minimum payment amounts, you will receive one lump-sum payment.

Death Benefit During the Income Phase. The death benefits that may be available to a beneficiary are outlined in the following income phase payment option table. If a lump-sum payment is due as a death benefit, we will make payment within seven calendar days after we receive proof of death acceptable to us in good order and the payment request at the address listed in “Contract Overview - Questions: Contacting the Company.”

Payment of Death Benefit or Proceeds

Subject to the conditions and requirements of state law, full payment of the death benefit or proceeds (“Proceeds”) to a beneficiary may be made either into an interest bearing retained asset account that is backed by our general account or by check. For additional information about the payment options available to you, please refer to your claim forms or contact us at the address shown in “CONTRACT OVERVIEW – Questions: Contacting the Company.” Beneficiaries should carefully review all settlement and payment options available under the contract and are encouraged to consult with a financial professional and/or legal tax adviser before choosing a settlement or payment option. See “DEATH BENEFIT – The Retained Asset Account” for more information about the retained asset account.

Taxation. To avoid certain tax penalties, you and any beneficiary must meet the distribution rules imposed by the Tax Code. See “FEDERAL Tax Considerations.”

Income Phase Payment Options

The following tables list the income phase payment options and accompanying death benefits that may be available under the contracts. Some contracts may restrict the options and the terms available. Refer to your certificate or check with your contract holder for details. We may offer additional income phase payment options under the contract from time to time.

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Terms used in the tables:

• Annuitant - The person(s) on whose life expectancy the income phase payments are calculated; and

• Beneficiary - The person designated to receive the death benefit payable under the contract.

Lifetime Income Phase Payment Options

Life Income

Length of Payments: For as long as the annuitant lives. It is possible that only one payment will be made should the annuitant die prior to the second payment’s due date.

Death Benefit--None: All payments end upon the annuitant’s death.

Life Income--

Guaranteed

Payments*

Length of Payments: For as long as the annuitant lives, with payments guaranteed for your choice of 5 to 30 years, or as otherwise specified in the contract.

Death Benefit--Payment to the Beneficiary: If the annuitant dies before we have made all the guaranteed payments, we will pay the beneficiary a lump sum (unless otherwise requested) equal to the present value of the remaining guaranteed payments.

Life Income--

Two Lives

Length of Payments: For as long as either annuitant lives. It is possible that only one payment will be made should both annuitants die before the second payment’s due date.

Continuing Payments:

• When you select this option you choose for 100%, 66 2/3% or 50% of the payment to continue to the surviving annuitant after the first death; or

• 100% of the payment to continue to the annuitant on the second annuitant’s death, and 50% of the payment to continue to the second annuitant on the annuitant’s death.

Death Benefit--None: All payments end after the death of both annuitants.

Life Income--

Two Lives--

Guaranteed

Payments*

Length of Payments: For as long as either annuitant lives, with payments guaranteed for your choice of 5 to 30 years, or as otherwise specified in the contract.

Continuing Payments: 100% of the payment to continue to the surviving annuitant after the first death.

Death Benefit--Payment to the Beneficiary: If both annuitants die before the guaranteed payments have all been paid, we will pay the beneficiary a lump sum (unless otherwise requested) equal to the present value of the remaining guaranteed payments.

Life Income--

Cash Refund

Option (fixed

payment only)

Length of Payments: For as long as the annuitant lives.

Death Benefit--Payment to the Beneficiary: Following the annuitant’s death, we will pay a lump-sum payment equal to the amount originally applied to the payment option (less any premium tax) and less the total amount of fixed income phase payments paid.

Life Income--

Two Lives--

Cash Refund

Option (fixed

payment only)

Length of Payments: For as long as either annuitant lives.

Continuing Payment: 100% of the payment to continue after the first death.

Death Benefit--Payment to the Beneficiary: When both annuitants die, we will pay a lump-sum payment equal to the amount applied to the income phase payment option (less any premium tax) and less the total amount of fixed income phase payments paid.

Nonlifetime Income Phase Payment Options

Nonlifetime--

Guaranteed

Payments*

Length of Payments: Payments will continue for 5-30 years based upon the number of years you choose when selecting this option. In certain cases a lump-sum payment may be requested at any time (see below).

Death Benefit--Payment to the Beneficiary: If the annuitant dies before we make all the guaranteed payments, any remaining guaranteed payments will continue to the beneficiary unless the beneficiary elects to receive the present value of the remaining guaranteed payments in a lump sum.

________________________

* Guaranteed period payments may not extend beyond the shorter of your life expectancy or until age 95.

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Lump-Sum Payment: If the Nonlifetime--Guaranteed Payments option is elected with variable payments, you may request at any time that all or a portion of the present value of the remaining payments be paid in one lump sum. A lump sum elected before five years of income phase payments have been completed (as specified by the contract) will be treated as a withdrawal during the accumulation phase and if the election is made during an early withdrawal charge period, we will charge the applicable early withdrawal charge. See “Fees - Early Withdrawal Charge.” Lump-sum payments will be sent within seven calendar days after we receive the request for payment in good order at the address listed in “Contract Overview - Questions: Contacting the Company.”

Calculation of Lump-Sum Payments: If a lump-sum payment is available to a beneficiary or to you in the options above, the rate we use to calculate the present value of the remaining guaranteed payments is the same rate we use to calculate the income phase payments (i.e., the actual fixed rate used for the fixed payments, or the 3.5% or 5% assumed net investment rate for variable payments).

FEDERAL TAX CONSIDERATIONS

Introduction

The contract described in this prospectus is designed to be treated as an annuity for U.S. federal income tax purposes. This section discusses our understanding of current federal income tax laws affecting the contract. The U.S. federal income tax treatment of the contract is complex and sometimes uncertain. You should keep the following in mind when reading this section:

• Your tax position (or the tax position of the beneficiary, as applicable) determines the federal taxation of amounts held or paid out under the contract;

• Tax laws change. It is possible that a change in the future could affect contracts issued in the past, including the contract described in this prospectus;

• This section addresses some, but not all, applicable federal income tax rules and generally does not discuss federal estate and gift tax implications, state and local taxes or any other tax provisions;

• We do not make any guarantee about the tax treatment of the contract or transactions involving the contract; and

• No assurance can be given that the IRS would not assert, or that a court would not sustain, a position contrary to any of those set forth below.

In this Section:

· Introduction;

· Taxation of Qualified Contracts;

· Possible Changes in Taxation; and

· Taxation of the Company.

When consulting a tax and/or legal adviser, be certain that he or she has expertise with respect to the provisions of the Internal Revenue Code of 1986, as amended (the “Tax Code”) that apply to your tax concerns.

We do not intend this information to be tax advice. No attempt is made to provide more than a general summary of information about the use of the contract with tax-qualified retirement arrangements, and the Tax Code may contain other restrictions and conditions that are not included in this summary. You should consult with a tax and/or legal adviser for advice about the effect of federal income tax laws, state tax laws or any other tax laws affecting the contract or any transactions involving the contract.

Qualified Contracts

The contract described in this prospectus may be purchased on a tax-qualified basis (“qualified contracts”). Qualified contracts are designed for use by individuals and/or employers whose purchase payments are comprised solely of proceeds from and/or contributions to retirement plans or programs that are intended to qualify as plans or programs entitled to special favorable income tax treatment under Sections 401(a), 401(k), 403(b) or 457(b) of the Tax Code. Employers or individuals intending to use the contract with such plans should seek legal and tax advice.

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Roth Accounts. Tax Code Section 402A allows employees of certain private employers offering 401(k) plans, employees of public schools and certain Tax Code Section 501(c)(3) organizations offering 403(b) plans, and employees of certain governmental employers offering 457(b) plans to contribute after-tax salary contributions to a Roth 401(k), Roth 403(b) and Roth 457(b) account, respectively. Roth accounts provide for tax-free distributions, subject to certain conditions and restrictions. If permitted by us and under the plan for which the contract is issued, we will set up one or more accounts for you under the contract for Roth after-tax contributions and the portion of any transfer or rollover attributable to such amounts.

Taxation of Qualified Contracts

Eligible Retirement Plans and Programs

The contract may be purchased with the following retirement plans and programs to accumulate retirement savings:

• 401(a), 401(k) and Roth 401(k) Plans. Sections 401(a) and 401(k) of the Tax Code permit certain employers to establish various types of retirement plans for employees, and permit self-employed individuals to establish these plans for themselves and their employees. The Tax Code also allows employees of certain private employers to contribute after-tax salary contributions to a Roth 401(k) account, which provides for tax-free distributions, subject to certain restrictions;

• 403(b) and Roth 403(b) Plans. Section 403(b) of the Tax Code allows employees of certain Tax Code Section 501(c)(3) organizations and public schools to exclude from their gross income the purchase payments made, within certain limits, to a contract that will provide an annuity for the employee’s retirement. The Tax Code also allows employees of 501(c)(3) organizations and public schools to contribute after-tax salary contributions to a Roth 403(b) account, which provides for tax-free distributions, subject to certain restrictions; and

• 457 and Roth 457 Plans. Section 457 of the Tax Code permits certain employers to offer deferred compensation plans for their employees. These plans may be offered by state governments, local governments, political subdivisions, agencies, instrumentalities and certain affiliates of such entities (governmental employers), as well as non-governmental, tax-exempt organizations (non-governmental employers). A 457 plan may be a 457(b) plan. Participation in a 457(b) plan maintained by a non-governmental employer is generally limited to a select group of management and highly-compensated employees (other than 457(b) plans maintained by nonqualified, church-controlled organizations). Depending on the plan design, the participant may be entitled to determine the investment allocation of their deferred compensation account. The Tax Code also allows employees of governmental 457(b) Plan employers to contribution after-tax salary contributions to a Roth 457(b) account, which provides for tax-free distributions, subject to certain restrictions.

The Company may offer or have offered the contract for use with certain other types of qualified plans. Please see your contract and consult with your tax adviser if you have questions about other types of plan arrangements not discussed herein.

Special Considerations for Section 403(b) Plans. In addition to being offered as an investment option under the contract, shares of certain funds are also offered for sale directly to the general public. A list of these funds is provided in the “INVESTMENT OPTIONS - Risks of Investing in the Funds - Public Funds.” In order to qualify for favorable tax treatment under Tax Code Section 403(b), a contract must be considered an “annuity.” In Revenue Procedure 99-44, the IRS concluded that it will treat a contract as an annuity for federal income tax purposes under Tax Code Section 403(b), notwithstanding that contract purchase payments are invested at the contract owner’s direction in publicly available securities. This treatment will be available provided no additional tax liability would have been incurred if the contribution was paid by the contract holder’s employer into a trust or a custodial account in an arrangement that satisfied the requirements of Tax Code Section 401(a) or 403(b)(7)(A). We believe that the contract satisfies the requirements set forth in Revenue Procedure 99-44 and will therefore be treated as an annuity for tax purposes, notwithstanding the fact that investments may be made in publicly available securities. However, the exact nature of the requirements of Revenue Procedure 99-44 are unclear, and you should consider consulting with a tax and/or legal adviser before electing to invest in a fund that is offered for sale to the general public through a contract issued in relation to a 403(b) plan.

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Revenue Procedure 99-44 was issued before 403(b) plans could offer a Roth contribution feature. However, we believe that this analysis should not impact the treatment of such contracts as annuity contracts for purposes of Tax Code Section 403(b). You should consider consulting with a tax and/or legal adviser before electing to invest in a fund that is offered for sale to the general public through a contract issued in relation to a Roth 403(b) account.

Special Considerations for Section 457 Plans. Under 457(b) plans of non-governmental employers, all amounts of deferred compensation, all property and rights purchased with such amounts and all income attributable to such amounts, property and rights remain solely the property and rights of the employer and are subject to the claims of the employer’s general creditors. 457(b) plans of governmental employers, on the other hand, are required to hold all assets and income of the plan in trust for the exclusive benefit of plan participants and their beneficiaries. For purposes of meeting this requirement, an annuity contract is treated as a trust.

Taxation

The tax rules applicable to qualified contracts vary according to the type of qualified contract and the specific terms and conditions of the qualified contract and the terms and conditions of the qualified plan or program. The ultimate effect of federal income taxes on the amounts held under a qualified contract, or on income phase (i.e. annuity) payments from a qualified contract, depends on the type of qualified contract or program as well as your particular facts and circumstances. Special favorable tax treatment may be available for certain types of contributions and distributions. In addition, certain requirements must be satisfied in purchasing a qualified contract with proceeds from a tax-qualified plan or program in order to continue receiving favorable tax treatment.

Adverse tax consequences may result from:

• Contributions in excess of specified limits;

• Distributions before age 59½ (subject to certain exceptions);

• Distributions that do not conform to specified commencement and minimum distribution rules; and

• Other specified circumstances.

Some qualified plans and programs are subject to additional distribution or other requirements that are not incorporated into the contract described in this prospectus. No attempt is made to provide more than general information about the use of the contract with qualified plans and programs. Contract owners, sponsoring employers, participants, annuitants, and beneficiaries are cautioned that the rights of any person to any benefit under these qualified plans and programs may be subject to the terms and conditions of the plan, regardless of the terms and conditions of the contract. The Company is not bound by the terms and conditions of such plans and program to the extent such terms contradict the language of the contract, unless we consent in writing.

Contract owners, sponsoring employers, participants, annuitants, and beneficiaries generally are responsible for determining that contributions, distributions and other transactions with respect to the contract comply with applicable law. Therefore, you should seek tax and/or legal advice regarding the suitability of a contract for your particular situation. The following discussion assumes that qualified contracts are purchased with proceeds from and/or contributions under retirement plans or programs that qualify for the intended special federal tax treatment.

Tax Deferral. Under federal tax laws, earnings on amounts held in annuity contracts are generally not taxed until they are withdrawn. However, in the case of a qualified plan (as described in this prospectus), an annuity contract is not necessary to obtain this favorable tax treatment and does not provide any tax benefits beyond the deferral already available to the qualified plan itself. Annuities do provide other features and benefits (such as the guaranteed death benefit or the option of lifetime income phase options at established rates) that may be valuable to you. You should discuss your alternatives with a qualified financial representative taking into account the additional fees and expenses you may incur in an annuity.

Contributions

In order to be excludable from gross income for federal income tax purposes, total annual contributions to certain qualified plans and programs are limited by the Tax Code. We provide general information on these requirements for certain plans and programs below. You should consult with a tax and/or legal adviser in connection with contributions to a qualified contract.

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401(a), 401(k), Roth 401(k), 403(b), and Roth 403(b) Plans. The total annual contributions (including pre-tax and Roth 401(k) or Roth 403(b) after-tax contributions) by you and your employer cannot exceed, generally, the lesser of 100% of your compensation or $55,000 (as indexed for 2018). Compensation means your compensation for the year from the employer sponsoring the plan and includes any elective deferrals under Tax Code Section 402(g) and any amounts not includible in gross income under Tax Code Sections 125 or 457.

This limit applies to your contributions as well as to any contributions made by your employer on your behalf. An additional requirement limits your salary reduction contributions to a 401(k), Roth 401(k), 403(b), or Roth 403(b) plan to generally no more than $18,500 (for 2018). Contribution limits are subject to annual adjustments for cost-of-living increases. Your own limit may be higher or lower, depending upon certain conditions.

With the exception of the Roth 401(k) and Roth 403(b) contributions, purchase payments to your account(s) will generally be excluded from your gross income. Roth 401(k) and Roth 403(b) salary reduction contributions are made on an after-tax basis.

457(b) and Roth 457(b) Plans. The total annual contributions (including pre-tax and Roth 457(b) after-tax salary reduction contributions) made by you and your employer to a 457(b) or Roth 457(b) plan cannot exceed, generally, the lesser of 100% of your includible compensation or $18,500 (as indexed for 2018). Generally, includible compensation means your compensation for the year from the employer sponsoring the plan, including deferrals to the employer’s Tax Code Section 401(k), Roth 401(k), 403(b), Roth 403(b), and 125 cafeteria plans in addition to any deferrals to the 457(b) or Roth 457(b) plan.

Catch-up Contributions. Notwithstanding the contribution limits noted above, if permitted by the plan, a participant in a 401(k), Roth 401(k), 403(b), Roth 403(b), or a 457(b) or Roth 457(b) plan of a governmental employer who is at least age 50 by the end of the plan year may contribute an additional amount (“Age 50 Catch-ups”) not to exceed the lesser of:

• $6,000; or

• The participant’s compensation for the year reduced by any other elective deferrals of the participant for the year.

Special 457 Catch-ups. Special catch-up provisions may be available for 457(b) plans (“Special 457 Catch-ups”) during the three years prior to the participant’s normal retirement age. Note that the Special 457 Catch-ups cannot be used simultaneously with the Age 50 Catch-ups. Specifically, a participant may elect to defer the lesser of: (a) twice the deferral limit ($37,000); or (b) the basic annual limit plus the amount of the basic annual limit not used in prior taxable years (disregarding any deferrals under the Age 50 Catch-up). If a participant is eligible for the Special 457 Catch-up and the Age 50 Catch-up, the participant can make deferrals up to the greater catch-up limit, but may not make deferrals in excess of the greater catch-up limit. For advice with respect to these catch-up provisions, please consult your own tax and/or legal adviser.

Distributions - General

Certain tax rules apply to distributions from the contract. A distribution is any amount taken from a contract including withdrawals, income phase (i.e., annuity) payments, and death benefit proceeds. The taxable portion of all distributions will be reported to the IRS.

401(a), 401(k), 403(b) and Governmental 457(b) Plans. Distributions from these plans are taxed as received unless one of the following is true:

• The distribution is an eligible rollover distribution and is directly transferred or rolled over within 60 days to another plan eligible to receive rollovers or to a traditional IRA in accordance with the Tax Code;

• You made after-tax contributions to the plan. In this case, depending upon the type of distribution, the amount will be taxed on all or part of the earnings on the contributions according to the rules detailed in the Tax Code; or

• The distribution is a qualified health insurance premium of a retired public safety officer as defined in the Pension Protection Act of 2006.

Please note that a distribution of a pre-tax account is reported as a taxable distribution, even if you roll over the distribution within 60 days.

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A distribution is an eligible rollover distribution unless it is:

• Part of a series of substantially equal periodic payments (at least one per year) made over the life (or life expectancy) of the participant or the joint lives (or joint life expectancies) of the participant and his designated beneficiary or for a specified period of 10 years or more;

• A required minimum distribution under Tax Code Section 401(a)(9);

• A hardship withdrawal; or

• Otherwise not recognized under applicable regulations as eligible for rollover.

10% Additional Tax. The Tax Code imposes a 10% additional tax on the taxable portion of any distribution from a contract used with a 401(a), 401(k) or 403(b) plan (collectively, qualified plans), or amounts from a governmental 457(b) plan that are attributable to amounts transferred from a qualified plan.

Exceptions to the 10% additional tax may apply if:

• You have attained age 59½;

• You have become disabled, as defined in the Tax Code;

• You have died and the distribution is to your beneficiary;

• The distribution amount is rolled over into another eligible retirement plan or to a traditional or Roth IRA in accordance with the terms of the Tax Code;

• The distribution is paid directly to the government in accordance with an IRS levy;

• The distribution is a qualified reservist distribution as defined under the Tax Code;

• The distribution is eligible for penalty relief extended to victims of certain natural disasters; or

• You have unreimbursed medical expenses that are more than 7.5% of your adjusted gross income.

Additional exceptions may apply to distributions from a qualified plan if:

• You have separated from service with the plan sponsor at or after age 55;

• You are a qualified public safety employee taking a distribution from a governmental plan and you separated from service after age 50;

• You have separated from service with the plan sponsor and the distribution amount is made in substantially equal periodic payments (at least annually) over your life (or life expectancy) or the joint lives (or joint life expectancies) of you and your designated beneficiary; or

• The withdrawal amount is paid to an alternate payee under a Qualified Domestic Relations Order (“QDRO”);

The Tax Code may provide other exceptions or impose other penalty taxes in other circumstances.

Qualified Distributions - Roth 401(k), Roth 403(b) and Roth 457(b). A partial or full distribution of purchase payments to a Roth 401(k), Roth 403(b) or a Roth 457(b) account and earnings credited on those purchase payments (or of in-plan rollover amounts and earnings credited on those amounts, as described in the “In-Plan Roth Rollovers” section below) will be excludable from income if it is a qualified distribution. A “qualified distribution” from a Roth 401(k), Roth 403(b) or a Roth 457(b) account is defined as a distribution that meets the following two requirements:

• The distribution occurs after the five-year taxable period measured from the earlier of:

> The first taxable year you, as applicable, made a contribution to a Roth IRA or a designated Roth contribution to any designated Roth account established for you under the same applicable retirement plan as defined in Tax Code Section 402A;

> If a rollover contribution was made from a designated Roth account previously established for you under another applicable retirement plan, the first taxable year for which you made a designated Roth contribution to such previously established account; or

> The first taxable year in which you made an in-plan Roth rollover of non-Roth amounts under the same plan; AND

• The distribution occurs after you attain age 59½, die with payment being made to your beneficiary or estate, or become disabled as defined in the Tax Code.

A distribution from a Roth account that is not a qualified distribution is includible in gross income under the Tax Code in proportion to your investment in the contract (basis) and earnings on the contract.

Non-Governmental 457(b) Plans. Compensation deferred under a 457(b) plan of a non-governmental employer is generally includible in income in the first year in which it is paid or otherwise made available to you or your designated beneficiary.

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Distributions - Eligibility

401(a) Pension Plans. Subject to the terms of your 401(a) pension plan, distributions may generally only occur upon:

• Retirement;

• Death;

• Disability;

• Severance from employment;

• Attainment of normal retirement age;

• Attainment of age 62; or

• Termination of the plan.

Such distributions remain subject to other applicable restrictions under the Tax Code.

401(k) and Roth 401(k) Plans. Subject to the terms of your 401(k) plan, distributions from your 401(k) or Roth 401(k) employee account, and possibly all or a portion of your 401(k) or Roth 401(k) employer account, may generally only occur upon:

• Retirement;

• Death;

• Attainment of age 59½;

• Severance from employment;

• Disability;

• Financial hardship (for 2018 and earlier, contributions only, not earnings); or

• Termination of the plan.

Such distributions remain subject to other applicable restrictions under the Tax Code.

403(b) and Roth 403(b) Plans. Distribution of certain salary reduction contributions and earnings on such contributions restricted under Tax Code Section 403(b)(11) may generally only occur upon:

• Retirement;

• Death;

• Attainment of age 59½;

• Severance from employment;

• Disability;

• Financial hardship (for 2018 and earlier, contributions only, not earnings);

• Termination of the plan; or

• Meeting other circumstances as allowed by federal law, regulations or rulings.

Such distributions remain subject to other applicable restrictions under the Tax Code.

Section 403(b) regulations prohibit the distribution of amounts attributable to employer contributions before the earlier of your severance from employment or prior to the occurrence of some event as provided under your employer’s plan, such as after a fixed number of years, the attainment of a stated age, or a disability.

If the Company agrees to accept amounts exchanged from a Tax Code Section 403(b)(7) custodial account, such amounts will be subject to the withdrawal restrictions set forth in Tax Code Section 403(b)(7)(A)(ii).

Before we process a withdrawal request we generally are required to confirm with your 403(b) plan sponsor or otherwise that the withdrawals you request from a 403(b) contract comply with applicable tax requirements.

457(b) and Roth 457(b) Plans. Under 457(b) and Roth 457(b) plans, distributions may generally not be made available to you earlier than:

• The calendar year you attain age 70½;

• When you experience a severance from employment; or

• When you experience an unforeseeable emergency.

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A one-time in-service distribution may also be permitted under a Section 457(b) plan sponsored by a tax exempt entity if the total amount payable to the participant does not exceed $5,000 and no amounts have been deferred by the participant during the two-year period ending on the date of distribution.

Lifetime Required Minimum Distributions (401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) and Roth 457(b) Plans)

To avoid certain tax penalties, you and any designated beneficiary must also satisfy the required minimum distribution rules set forth in the Tax Code. These rules dictate the following:

• The start date for distributions;

• The time period in which all amounts in your contract(s) must be distributed; and

• Distribution amounts.

Start Date. Generally, you must begin receiving distributions by April 1 of the calendar year following the calendar year in which you attain age 70½ or in the case of an employer-sponsored plan, April 1 of the calendar year following the calendar year in which you retire, whichever occurs later, unless:

• Under 401(a) or 401(k) plans, you are a 5% owner, in which case such distributions must begin by April 1 of the calendar year following the calendar year in which you attain age 70½; or

• Under 403(b) plans, the Company maintains separate records of amounts held as of December 31, 1986. In this case distribution of these amounts generally must begin by the end of the calendar year in which you attain age 75. However, if you take any distributions in excess of the minimum required amount, then special rules require that the excess be distributed from the December 31, 1986 balance.

Time Period. We must pay out distributions from the contract over a period not extending beyond one of the following time periods:

• Over your life or the joint lives of you and your designated beneficiary; or

• Over a period not greater than your life expectancy or the joint life expectancies of you and your designated beneficiary.

Distribution Amounts. The amount of each required minimum distribution must be calculated in accordance with Tax Code Section 401(a)(9). Before annuity payments begin, the required minimum distribution amount is generally determined by dividing the entire interest in the account as of December 31 of the preceding year by the applicable distribution period. The entire interest in the account includes the amount of any outstanding rollover, transfer, and recharacterization, if applicable, and the actuarial present value of other benefits provided under the account, such as guaranteed death benefits and any optional living benefit. If annuity payments have begun under an annuity option that satisfies the Tax Code section 401(a)(9) regulations, such payments will generally be viewed as satisfying your required minimum distribution.

50% Excise Tax. If you fail to receive the required minimum distribution for any tax year, a 50% excise tax is imposed on the required amount that was not distributed. In certain circumstances this excise tax may be waived by the IRS.

Roth IRAs. Required minimum distributions are not applicable to Roth IRAs during your lifetime.

Further information regarding required minimum distributions may be found in your contract or certificate.

Required Distributions upon Death (401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) and Roth 457(b) Plans)

Different distribution requirements apply after your death, depending upon if you have begun receiving required minimum distributions. Further information regarding required distributions upon death may be found in your contract or certificate.

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If your death occurs on or after the date you begin receiving minimum distributions under the contract, distributions generally must be made at least as rapidly as under the method in effect at the time of your death. Very generally, for benefits not being paid as an annuity, this means calculating the minimum distribution using the longer of the beneficiary’s remaining life expectancy determined in the year following the year of the owner’s death reduced by one for each subsequent year or owner’s remaining life expectancy at death, reduced by one for each subsequent year. Tax Code Section 401(a)(9) provides specific rules for calculating the minimum required distributions after your death.

If your death occurs before the date you begin receiving minimum distributions under the contract, your entire balance generally must be distributed by December 31 of the calendar year containing the fifth anniversary of the date of your death. For example, if you die on September 1, 2018, your entire balance must be distributed to the designated beneficiary by December 31, 2023. However, if distributions begin by December 31 of the calendar year following the calendar year of your death, then payments may be made within one of the following timeframes:

• Over the life of the designated beneficiary; or

• Over a period not extending beyond the life expectancy of the designated beneficiary.

Start Dates for Spousal Beneficiaries. If your death occurs before the date you begin receiving required minimum distributions under the contract and the designated beneficiary is your spouse, distributions must generally begin on or before the later of the following:

• December 31 of the calendar year following the calendar year of your death; or

• December 31 of the calendar year in which you would have attained age 70½.

No Designated Beneficiary. If your death occurs before the date you begin receiving required minimum distributions under the contract and there is no designated beneficiary, the entire interest generally must be distributed by the end of the calendar year containing the fifth anniversary of the contract owner’s death.

Withholding

Any taxable distributions under the contract are generally subject to withholding. Federal income tax withholding rates vary according to the type of distribution and the recipient’s tax status.

401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) and Roth 457(b) Plans of Governmental Employers. Generally, eligible rollover distributions from these plans are subject to a mandatory 20% federal income tax withholding. However, mandatory withholding will not be required if you elect a direct rollover of the distributions to an eligible retirement plan or in the case of certain distributions described in the Tax Code.

457(b) Plans of Non-Governmental Employers. All distributions from these plans, except death benefit proceeds, are subject to mandatory federal income tax withholding as wages. Death benefit proceeds are not subject to income tax withholding.

Non-resident Aliens. If you or your designated beneficiary is a non-resident alien, withholding will generally be 30% based on the individual’s citizenship, the country of domicile and tax treaty status.

In-Plan Roth Rollovers

Tax Code Section 401(k), 403(b) and governmental 457(b) plans may add a “qualified Roth contribution program,” under which employees can forego the current exclusion from gross income for elective deferrals, in exchange for the future exclusion of the distribution of the deferrals and any earnings thereon. That is, participants may elect to make non-excludable contributions to “designated Roth accounts” (instead of making excludable contributions) - and to exclude from gross income (if certain conditions are met) distributions from these accounts (instead of having distributions included in gross income).

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If permitted under the plan for which the contract is issued and provided the plan offers an applicable Roth account (a Roth 401(k), Roth 403(b) or Roth 457(b) account), non-Roth amounts may be rolled over into a corresponding Roth account within the same plan. The Tax Code provides that, generally, an in-plan rollover to a Roth account is taxable and includable in gross income in the year the rollover occurs, just as if the amount were distributed and not rolled into a qualified account. Please note that in-plan rollovers into a Roth account are not subject to withholding. Consequently, an individual considering such a transaction may want to increase their tax withholding or make an estimated tax payment in the year of the rollover. Amounts rolled-over into an in-plan Roth account cannot subsequently be converted back into a non-Roth account.

A partial or full distribution of in-plan Roth rollover amounts and earnings credited on those amounts (or of purchase payments made by salary reduction to a Roth account and earnings credited on those purchase payments, as described above) will be excludable from income if it is a qualified distribution as defined in the “Qualified Distributions - Roth 401(k), Roth 403(b) and Roth 457(b)” section above.

In-plan Roth rollovers are not subject to the 10% additional tax on early distributions under Tax Code Section 72(t) that would normally apply to distributions from a 401(k) or 403(b) plan (or from a governmental 457(b) plan to the extent such amounts are attributable to rollovers from a 401(a), 401(k), 403(a) or 403(b) plan). However, a special recapture rule applies when a plan distributes any part of the in-plan Roth rollover within a five-year taxable period, making the distribution subject to the 10% additional tax on early distributions under Tax Code Section 72(t) unless an exception to this tax applies or the distribution is allocable to any nontaxable portion of the in-plan Roth rollover. The five-year taxable period begins January 1 of the year of the in-plan Roth rollover and ends on the last day of the fifth year of the period. This special recapture rule does not apply when the participant rolls over the distribution to another designated Roth account or to a Roth IRA but does apply to a subsequent distribution from the rolled over account or Roth IRA within the five-year taxable period.

Due to administrative complexity, certain in-plan Roth rollovers may not be available through the contract. Additionally, the tax rules associated with Roth accounts and in-plan Roth rollovers can be complex and you should seek tax and/or legal advice regarding your particular situation.

Assignment and Other Transfers

401(a), 401(k), Roth 401(k), 403(b), Roth 403(b), 457(b) and Roth 457(b) Plans. Your beneficial interest in the contract may not be assigned or transferred to persons other than:

• A plan participant as a means to provide benefit payments;

• An alternate payee under a QDRO in accordance with Tax Code Section 414(p);

• The Company as collateral for a loan; or

• The enforcement of a federal income tax lien or levy.

Same-Sex Marriages

The contract provides that upon your death a surviving spouse may have certain continuation rights that he or she may elect to exercise for the contract’s death benefit and any joint-life coverage under a living benefit. All contract provisions relating to spousal continuation are available only to a person who meets the definition of “spouse” under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Please consult your tax and/or legal adviser for further information about this subject.

Possible Changes in Taxation

Although the likelihood of changes in tax legislation, regulation, rulings and other interpretation thereof is uncertain, there is always the possibility that the tax treatment of the contract could change by legislation or other means. It is also possible that any change could be retroactive (i.e., effective before the date of the change). You should consult a tax and/or legal adviser with respect to legislative developments and their effect on the contract.

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Taxation of the Company

We are taxed as a life insurance company under the Tax Code. The separate account is not a separate entity from us. Therefore, it is not taxed separately as a “regulated investment company” but is taxed as part of the Company.

We automatically apply investment income and capital gains attributable to the separate account to increase reserves under the contracts. Because of this, under existing federal tax law we believe that any such income and gains will not be taxed to the extent that such income and gains are applied to increase reserves under the contracts. In addition, any foreign tax credits attributable to the separate account will be first used to reduce any income taxes imposed on the separate account before being used by the Company.

In summary, we do not expect that we will incur any federal income tax liability attributable to the separate account, and we do not intend to make any provision for such taxes. However, changes in federal tax laws and/or their interpretation thereof may result in our being taxed on income or gains attributable to the separate account. In this case, we may impose a charge against the separate account (with respect to some or all of the contracts) to set aside provisions to pay such taxes. We may deduct this amount from the separate account, including from your contract value invested in the subaccounts.

CONTRACT DISTRIBUTION

General

The Company’s subsidiary, Voya Financial Partners, LLC, serves as the principal underwriter for the contracts. Voya Financial Partners, LLC, a Delaware limited liability company, is registered as a broker-dealer with the SEC. Voya Financial Partners, LLC is also a member of the FINRA and the Securities Investor Protection Corporation (“SIPC”). Voya Financial Partners, LLC’s principal office is located at One Orange Way, Windsor, Connecticut 06095-4774.

We sell the contracts through licensed insurance agents who are registered representatives of broker-dealers that have entered into selling agreements with Voya Financial Partners, LLC. We refer to these broker-dealers as “distributors.” Voya Financial Advisors, Inc. is a distributor affiliated with the Company that has entered into a selling agreement with Voya Financial Partners, LLC for the sale of our variable annuity contracts.

Registered representatives of distributors who solicit sales of the contracts typically receive a portion of the compensation paid to the distributor in the form of commissions or other compensation, depending upon the agreement between the distributor and the registered representative. This compensation, as well as other incentives or payments, is not paid directly by contract holders or the separate account, but instead is paid by us through Voya Financial Partners, LLC. We intend to recoup this compensation and other sales expenses paid to distributors through fees and charges imposed under the contracts.

Compensation Arrangements. Registered representatives install and service contracts, provide product explanations, and periodically review participants’ retirement needs as well as the investment options available under the contract. To permit these representatives to balance the needs of their clients with their own business operations, the Company provides them with a range of commission options to choose from.

Registered Representatives who offer and sell the contracts may be paid a commission. The commissions paid on transferred assets range from 0% to 3%. The commission paid on recurring payments made during the first year of the participant account range from 0% to 7%. After the first year of the participant account, renewal commissions up to 2% may be paid on recurring payments up to the amount of the maximum of prior year’s payments, and commissions of up to 3% may be paid on recurring payments in excess of this amount. In addition, the Company may pay up to 2% on transferred assets and an asset-based commission ranging up to 0.50%. Individual representatives may receive all or a portion of compensation paid to their distributor, depending upon the firm’s practices. Commissions and annual payments, when combined, could exceed 3% of total premium payments. These other promotional incentives or payments may be limited to contracts offered to certain plans, may not be offered to all distributors, and may be limited only to Voya Financial Advisors Inc. and other distributors affiliated with the Company.

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The level of commission paid on a particular contract affects the level of charges under the contract, including the daily asset charge and the applicability of an early withdrawal charge schedule. Because your registered representative may select the level of compensation he or she receives in connection with the sale of the contract, he or she may have a financial incentive to recommend this contract over other contracts. You should discuss with your registered representative the level of compensation he or she will choose in connection with the sale of this contract and how that compensation may compare with compensation available under other products or contracts your registered representative feels may be suitable for you. For more information about the compensation options available to your registered representative and how they impact the daily asset charge under your contract, see the “Offering and Purchase of Contracts” section of the SAI.

To the extent permitted by SEC and FINRA rules and other applicable laws and regulations, we may also pay or allow other promotional incentives or payments in the form of cash payments or other compensation to distributors, which may require the registered representative to attain a certain threshold of sales of Company products. These other promotional incentives or payments may not be offered to all distributors, and may be limited only to Voya Financial Advisors Inc. and other distributors affiliated with the Company.

We may also enter into special compensation arrangements with certain distributors based on those firms’ aggregate or anticipated sales of the contracts or other criteria. These arrangements may include commission specials, in which additional commissions may be paid in connection with purchase payments received for a limited time period, within the maximum commission rates noted above. These special compensation arrangements will not be offered to all distributors, and the terms of such arrangements may differ among distributors based on various factors. These special compensation arrangements may also be limited only to Voya Financial Advisors Inc. and other distributors affiliated with the Company. Any such compensation payable to a distributor will not result in any additional direct charge to you by us.

Some personnel may receive various types of non-cash compensation as special sales incentives, including trips, and we may also pay for some personnel to attend educational and/or business seminars. Any such compensation will be paid in accordance with SEC and FINRA rules. Employees of the Company or its affiliates (including wholesaling employees) may receive more compensation when funds advised by the Company or its affiliates (“affiliated funds”) are selected by a contract holder than when unaffiliated funds are selected. Additionally, management personnel of the Company, and of its affiliated broker-dealers, may receive additional compensation if the overall amount of investments in funds advised by the Company or its affiliates meets certain target levels or increases over time.

Compensation for certain management personnel, including sales management personnel, may be enhanced if management personnel meet or exceed goals for sales of the contracts, or if the overall amount of investments in the contracts and other products issued or advised by the Company or its affiliates increases over time. Certain management personnel may also receive compensation that is a specific percentage of the commissions paid to distributors or of purchase payments received under the contracts, or which may be a flat dollar amount that varies based upon other factors including management’s ability to meet or exceed service requirements, sell new contracts or retain existing contracts, or sell additional service features such as a common remitting program.

In addition to direct cash compensation for sales of contracts described above, through Voya Financial Partners, LLC, we may also pay distributors additional compensation or reimbursement of expenses for their efforts in selling contracts to you and other customers. These amounts may include:

• Marketing/distribution allowances that may be based on the percentages of purchase payments received, the aggregate commissions paid and/or the aggregate assets held in relation to certain types of designated insurance products issued by the Company and/or its affiliates during the year;

• Loans or advances of commissions in anticipation of future receipt of purchase payments (a form of lending to registered representatives). These loans may have advantageous terms, such as reduction or elimination of the interest charged on the loan and/or forgiveness of the principal amount of the loan, which may be conditioned on sales;

• Education and training allowances to facilitate our attendance at certain educational and training meetings to provide information and training about our products. We also hold training programs from time to time at our own expense;

• Sponsorship payments or reimbursements for distributors to use in sales contests and/or meetings for their registered representatives who sell our products. We do not hold contests based solely on sales of this product;

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• Certain overrides and other benefits that may include cash compensation based on the amount of earned commissions, representative recruiting or other activities that promote the sale of contracts; and

• Additional cash or noncash compensation and reimbursements permissible under existing law. This may include, but is not limited to, cash incentives, merchandise, trips, occasional entertainment, meals and tickets to sporting events, client appreciation events, business and educational enhancement items, payment for travel expenses (including meals and lodging) to pre-approved training and education seminars, and payment for advertising and sales campaigns.

We may pay dealer concessions, wholesaling fees, overrides, bonuses, other allowances and benefits and the costs of all other incentives or training programs from our resources, which include the fees and charges imposed under the contracts.

The following is a list of the top 25 distributors that, during 2017, received the most compensation, in the aggregate, from us in connection with the sale of registered variable annuity contracts issued by the Company, ranked by total dollars received:

1.	Voya Financial Advisors, Inc.	14.	MSI Financial Services, Inc.
2.	Lincoln Investment Planning, Inc.	15.	GWN Securities Inc.
3.	LPL Financial Corporation	16.	Lincoln Financial Advisors Corporation
4.	Morgan Stanley Smith Barney LLC	17.	First Allied Securities, Inc.
5.	Regulus Advisors, LLC	18.	Founders Financial Securities, LLC
6.	Kestra Investment Services, LLC	19.	Royal Alliance Associates, Inc.
7.	Cetera Investment Services LLC	20.	Northwestern Mutual Investment Services, Inc.
8.	Woodbury Financial Services, Inc.	21.	Ameriprise Financial Services, Inc.
9.	American Portfolios Financial Services, Inc.	22.	Cadaret, Grant & Co., Inc.
10.	PlanMember Securities Corporation	23.	IMA Wealth, Inc.
11.	Lockton Financial Advisors, LLC	24.	Huckin Financial Group, Inc.
12.	Securities America, Inc.	25.	Ameritas Investment Corp.
13.	NYLIFE Securities LLC

This is a general discussion of the types and levels of compensation paid by us for the sale of our variable annuity contracts. It is important for you to know that the payment of volume or sales-based compensation to a distributor or registered representative, along with the ability of the registered representative to select from various compensation options, may provide that registered representative a financial incentive to promote our contracts and/or services over those of another company, and may also provide a financial incentive to promote one of our contracts over another.

The names of the distributor and the registered representative responsible for your account are stated in your enrollment materials.

Third Party Administrators. Some retirement plans utilize the services of third party administrators (TPAs). In certain situations, the Company may make payments to select TPAs intended to partially reimburse the cost of providing certain services (e.g., takeover related servicing, participant enrollment and education services) of value to the Company. The Company also hosts several TPA conferences each year, which provide a forum for an exchange of ideas in our product initiatives and how well those initiatives are meeting market needs. Attendees may be reimbursed for all or a portion of their attendance costs and may receive meals and entertainment at the conference. Your TPA may informally consult with you and/or your sales professional on the retirement plan provider that would work best with your plan. The payments the Company makes to TPAs may provide your TPA with a financial incentive to recommend working with our Company over other companies whose products may be suitable for you. You may wish to inquire about whether your TPA receives payments from us and take those payments into consideration as part of your purchase decision.

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Third Party Compensation Arrangements. Please be aware that:

• The Company may seek to promote itself and the contracts by sponsoring or contributing to events sponsored by various associations, professional organizations and labor organizations;

• The Company may make payments to associations and organizations, including labor organizations, which endorse or otherwise recommend the contracts to their membership. If an endorsement is a factor in your contract purchasing decision, more information on the payment arrangement, if any, is available upon your request; and

• At the direction of the contract holder, we may make payments to the contract holder, its representatives or third party service providers intended to defray or cover the costs of plan or program-related administration.

OTHER TOPICS

Order Processing

In certain circumstances, we may need to correct the pricing associated with an order that has been processed. In such circumstances, we may incur a loss or receive a gain depending upon the price of the fund when the order was executed and the price of the fund when the order is corrected. Losses may be covered from our assets and gains that may result from such order correction will be retained by us as additional compensation associated with order processing.

Anti-Money Laundering

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

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

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

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

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

Unclaimed Property

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

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

Cyber Security

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

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

Contract Modification

We may change the contract as required by federal or state law by notifying the contract holder at least 30 calendar days before the change becomes effective. In addition, the contract may be changed at any time, except for a reduction in the minimum guaranteed interest rate for the Fixed Plus Account II, by written mutual agreement between the contract holder and the Company. We may, upon 60 days’ written notice to the contract holder, make unilateral changes to certain provisions of the contracts that would apply only to individuals who became participants under the contract after the effective date of such changes. If a contract holder indicates that it does not agree to a change by providing notice to us that we receive at least 30 calendar days before the date the change becomes effective, we reserve the right to refuse to establish new accounts under the contract and to discontinue accepting payments to existing accounts.

In addition, we reserve the right, without contract holder consent, to change the tables for determining the amount of income phase payments or the income phase payment options available. Any such change will not take effect until at least 12 months after the contract effective date or until at least 12 months after any previous change. Such a change would not apply to accounts established before the date the change becomes effective.

We reserve the right to amend the contract to include any future changes required to maintain the contract as a designated Roth 401(k) and/or Roth 403(b) annuity contract (or Roth 401(k) and/or Roth 403(b) account) under the Tax Code, regulations, IRS rulings and requirements.

Legal Proceedings

We are not aware of any pending legal proceedings that are likely to have a material adverse effect upon the Company’s ability to meet its obligations under the contract, Voya Financial Partners, LLC ability to distribute the contract or upon the separate account.

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• Litigation. Notwithstanding the foregoing, the Company and/or Voya Financial Partners, LLC, is a defendant in a number of litigation matters arising from the conduct of its business, both in the ordinary course and otherwise. In some of these matters, claimants seek to recover very large or indeterminate amounts, including compensatory, punitive, treble and exemplary damages. Certain claims are asserted as class actions. Modern pleading practice in the U.S. permits considerable variation in the assertion of monetary damages and other relief. The variability in pleading requirements and past experience demonstrates that the monetary and other relief that may be requested in a lawsuit or claim oftentimes bears little relevance to the merits or potential value of a claim.

• Regulatory Matters. As with other financial services companies, the Company and its affiliates, including Voya Financial Partners, LLC, periodically receive informal and formal requests for information from various state and federal governmental agencies and self-regulatory organizations in connection with inquiries and investigations of the products and practices of the Company or the financial services industry. It is the practice of the Company to cooperate fully in these matters. Regulatory investigations, exams, inquiries and audits could result in regulatory action against the Company or subject the Company to settlement payments, fines, penalties and other financial consequences, as well as changes to the Company’s policies and procedures.

The outcome of a litigation or regulatory matter and the amount or range of potential loss is difficult to forecast and estimating potential losses requires significant management judgment. It is not possible to predict the ultimate outcome for all pending litigation and regulatory matters and given the large and indeterminate amounts sought and the inherent unpredictability of such matters, it is possible that an adverse outcome in certain litigation or regulatory matters could, from time to time, have a material adverse effect upon the Company's results of operations or cash flows in a particular quarterly or annual period.

Payment Delay or Suspension

We reserve the right to suspend or postpone the date of any payment of benefits or values under the following circumstances:

• On any valuation date when the NYSE is closed (except customary weekend and holiday closings), or when trading on the NYSE is restricted;

• When an emergency exists as determined by the SEC so that disposal of securities held in the subaccounts is not reasonably practicable or it is not reasonably practicable for us fairly to determine the value of the subaccount’s assets; or

• During any other periods the SEC may by order permit for the protection of investors.

The conditions under which restricted trading or an emergency exists shall be determined by the rules and regulations of the SEC.

Payment of benefits or values may also be delayed or suspended as required by court order or any regulatory action.

Transfer of Ownership; Assignment

An assignment of a contract will only be binding on us if it is made in writing and sent to the address listed in “Contract Overview - Questions: Contacting the Company.” We will use reasonable procedures to confirm that the assignment is authentic, including verification of signature. If we fail to follow our own procedures, we will be liable for any losses to you directly resulting from the failure. Otherwise, we are not responsible for the validity of any assignment. The rights of the contract holder and the interest of the annuitant and any beneficiary will be subject to the rights of any assignee we have on our records.

Account Termination

Where allowed by state law, we reserve the right to terminate an individual account if the account value is less than $10,000, this value is not due to negative investment performance, and no purchase payments have been received within the previous 12 months. We will notify you or the contract holder 90 days prior to terminating the account. If we exercise this right we will not deduct an early withdrawal charge.

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Intent to Confirm Quarterly

We will provide confirmation of scheduled transactions quarterly rather than immediately to the participant.

CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION

The SAI contains more specific information on the separate account and the contract, as well as the financial statements of the separate account and the Company. A list of the contents of the SAI is set forth below:

• General Information and History	2
• Variable Annuity Account C	2
• Offering and Purchase of Contracts	3
• Income Phase Payments	3
· Performance Reporting	5
• Sales Material and Advertising	5
• Experts	6
• Financial Statements of the Separate Account - Variable Annuity Account C	S-1
• Consolidated Financial Statements of Voya Retirement Insurance and Annuity Company	C-1

You may request an SAI by calling us at the number listed in “Contract Overview - Questions: Contacting the Company.”

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APPENDIX I
FIXED PLUS ACCOUNT II

The Fixed Plus Account II is an investment option that may be available during the accumulation phase.

Amounts allocated to the Fixed Plus Account II are held in the Company’s general account which supports insurance and annuity obligations.

Additional information about this option may be found in the contract.

General Disclosure. Interests in the Fixed Plus Account II have not been registered with the SEC in reliance upon exemptions under the Securities Act of 1933, as amended. Disclosure in this prospectus regarding the Fixed Plus Account II may be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of the statements. Disclosure in this Appendix regarding the Fixed Plus Account II has not been reviewed by the SEC.

Certain Restrictions. We reserve the right to limit investment in or transfers to the Fixed Plus Account II. If we waive these transfer limits, we reserve the right to reinstate these limits without notice. You may not elect certain withdrawal options, including the systematic distribution option, if you have requested a Fixed Plus Account II transfer or withdrawal in the prior 12-month period. Under certain emergency conditions, we may defer payment of a withdrawal from the Fixed Plus Account II for a period of up to six months or as provided by state or federal law.

Interest Rates. The Fixed Plus Account II guarantees that amounts allocated to this option will earn the minimum interest rate specified in the contract. We may credit interest at a current rate that may be higher than the guaranteed minimum interest rate and the current rate may be changed at any time, except that we will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Among other factors, the safety of the interest rate guarantees depends upon the claims-paying ability of the Company. Amounts applied to the Fixed Plus Account II will earn the interest rate in effect at the time money is applied. Amounts in the Fixed Plus Account II will reflect a compound interest rate as credited by us. The rate we quote is an annual effective yield.

Our determination of credited interest rates reflects a number of factors, which may include mortality, expense and administrative risks, interest rate guarantees, the investment income earned on invested assets and the amortization of any capital gains and/or losses realized on the sale of invested assets. In the event that the transferred asset benefit option has been selected, the credited interest rate will be reduced in an amount not to exceed 1.00% (0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), for a period not to exceed seven years. This decrease in the credited interest rate will apply to all participants under the contract regardless of whether they receive the benefit of the TAB. For example, if your participation in the contract begins after the TAB is allocated to the contract, you will be subject to the decrease in the interest credited rate even though you did not receive any of the TAB. We assume the risk of investment gain or loss by guaranteeing the amounts you allocate to this option and promising a minimum interest rate and income phase payment.

Requests for Partial Withdrawals. The contract holder or you, if permitted by the plan, may take up to 20% of the Fixed Plus Account II value as a partial withdrawal in each 12-month period. We determine the amount eligible for partial withdrawal as of the date we receive a request for partial withdrawal in good order at the address listed in “Contract Overview - Questions: Contacting the Company.” The amount allowed for partial withdrawal is reduced by any Fixed Plus Account II withdrawals, transfers, loans or amounts applied to income phase payment options made in the prior 12 months. In calculating the 20% limit, we reserve the right to include payments made due to the election of a systematic distribution option.

Waiver of Partial Withdrawal Limits. We waive the 20% limit if the partial withdrawal is due to the election of an income phase payment option. We also waive the 20% limit for withdrawals due to your death before income phase payments begin. The waiver upon death may only be exercised once and must occur within six months after your date of death.

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Additionally, we may allow other waivers of the percentage limit on partial withdrawals to participants in certain plans. You can determine what additional waivers, if any, apply to you by referring to the contract or certificate.

Requests for Full Withdrawals. If the contract holder or you, if allowed by the plan, request a full withdrawal of your account value, we will pay any amounts held in the Fixed Plus Account II, with interest, in five annual payments equal to:

• One-fifth of the Fixed Plus Account II value on the day the request is received in good order, reduced by any Fixed Plus Account II withdrawals, transfers or amounts used to fund income phase payments or loans made during the prior 12 months;

• One-fourth of the remaining Fixed Plus Account II value 12 months later;

• One-third of the remaining Fixed Plus Account II value 12 months later;

• One-half of the remaining Fixed Plus Account II value 12 months later; and

• The balance of the Fixed Plus Account II value 12 months later.

Once a request is received for a full withdrawal, no further withdrawals, loans, or transfers will be permitted from the Fixed Plus Account II. Your request may be cancelled at any time before the end of the five-year period. If any contributions are received to your account at any time during the five-year payment period, the full withdrawal will be cancelled and your Fixed Plus Account installment payments will cease. If your full withdrawal is cancelled (either by your request or due to receipt of a contribution to your account), a new five-year payment period will begin upon any future full withdrawal from the Fixed Plus Account II.

Waiver of Full Withdrawal Provisions. We will waive the Fixed Plus Account II five-installment payout for full withdrawals made due to one or more of the following:

• Due to your death during the accumulation phase if the amount is paid within six months of your death;

• Due to the election of a lifetime income phase payment option or a nonlifetime income phase payment option on a fixed basis;

• When the Fixed Plus Account II value is $2,000 or less (or, if applicable, as otherwise allowed by the plan for a lump-sum cash-out without participant consent) and no withdrawals, transfers, loans or elections of income phase payment options have been made from the account within the prior 12 months;

• Due to financial hardship (or unforeseeable emergency) as defined by the Tax Code and regulations thereunder, if all of the following conditions are met:

> If applicable, the hardship is certified by the employer;

> The amount is paid directly to you; and

> The amount paid for all withdrawals due to hardship during the previous 12-month period does not exceed 20% of the average value of your account(s) and all other accounts under the relevant contract during that same period;

• Due to your separation from service with the employer, provided that all the following apply:

> The withdrawal is due to your separation from service with your employer. Although the Tax Code permits distributions upon a participant’s severance from employment, the contracts do not provide for a waiver of the Fixed Plus Account II full withdrawal provision unless the severance from employment would otherwise have qualified as a separation from service under prior IRS guidance;

> Separation from service is documented in a form acceptable to us;

> The amount withdrawn is paid directly to you; and

> The amount paid for all partial and full withdrawals due to separation from service during the previous
12-month period does not exceed 20% of the average value of all your account(s) and all other accounts under the relevant contract during that same period.

Additionally, we may allow other waivers of the five installment payout for full withdrawals to participants in certain plans. You can determine what additional waivers, if any, apply to you by referring to the contract or certificate.

Charges. We do not make deductions from amounts in the Fixed Plus Account II to cover mortality, expense or administrative risks. We consider these risks when determining the credited rate.

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Transfers. The contract holder or you, if allowed by the plan, may transfer 20% of your account value held in the Fixed Plus Account II in each rolling 12-month period. We determine the amount eligible for transfer on the day we receive a transfer request in good order at the address listed in “Contract Overview - Questions: Contacting the Company.” We will reduce amounts allowed for transfer by any Fixed Plus Account II withdrawals, transfers, loans or amounts applied to income phase payment options during the prior 12 months. We also reserve the right to include payments made due to the election of any of the systematic distribution options. We will waive the percentage limit on transfers when the value in the Fixed Plus Account II is less than or equal to $2,000. We may also waive the percentage limit on transfers depending upon the investment options selected by the contract holder.

If you transfer 20% of your account value held in the Fixed Plus Account II in each of four consecutive 12-month periods, you may transfer the remaining balance in the succeeding 12-month period provided you do not allocate any amount to or transfer any other amount from the Fixed Plus Account II during the five-year period. The 20% amount available to transfer under this provision will be reduced by any amount transferred, taken as a loan or applied to income phase payment options within the 12-month period preceding the first 20% transfer. Also, we may reduce it for payments we made from your Fixed Plus Account II value under any systematic distribution option.

Contract Loans. If permitted under the plan, loans may be made from account values held in the Fixed Plus Account II. See the loan agreement for a description of the amount available and possible consequences upon loan default if Fixed Plus Account II values are used for a loan.

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APPENDIX II

GUARANTEED ACCUMULATION ACCOUNT

The Guaranteed Accumulation Account (the “GAA”) is a fixed interest option that may be available during the accumulation phase. Amounts applied to the GAA will be held in a nonunitized separate account within the Company’s general account. This Appendix is only a summary of certain facts about the GAA and does not include elements of the GAA that do not apply to the contracts offered through this prospectus. Please read the GAA prospectus before investing in this option. You may obtain a copy of the GAA prospectus by contacting us at the address or telephone number listed in “Contract Overview - Questions: Contacting the Company.” The Guaranteed Accumulation Account may not be available in all contracts or states, and if permitted under the contract we may close or restrict the Guaranteed Accumulation Account to current or future investment.

In General. Amounts that you invest in the GAA will earn a guaranteed interest rate if amounts are left in the GAA for the specified period of time. If you withdraw or transfer those amounts before the specified period of time has elapsed, we may apply a “market value adjustment,” which may be positive or negative.

When you decide to invest money in the GAA, you will want to contact your local representative or the Company to learn:

• The interest rate we will apply to the amounts that you invest in the GAA. We change this rate periodically, so be certain that you know what rate we guarantee on the day your account dollars are invested into the GAA; and

• The period of time your account dollars need to remain in the GAA in order to earn that rate. You are required to leave your account dollars in the GAA for a specified period of time (guaranteed term), in order to earn the guaranteed interest rate.

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

Interest Rates. We guarantee different interest rates, depending upon when account dollars are invested in the GAA. The interest rate we guarantee is an annual effective yield; that means that the rate reflects a full year’s interest. We credit interest daily at a rate that will provide the guaranteed annual effective yield over one year. The guaranteed interest rate will never be less than the rate stated in the contract.

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

Fees and Other Deductions. If all or a portion of your account value in the GAA is withdrawn, you may incur the following:

• Market Value Adjustment (“MVA”) - as described in this Appendix and in the GAA prospectus;

• Tax Penalties and/or Tax withholding - see “FEDERAL Tax Considerations”;

• Early Withdrawal Charge - see “Fees”; and/or

• Maintenance Fee - see “Fees.”

We do not make deductions from amounts in the GAA to cover mortality and expense risks. Rather, we consider these risks when determining the credited rate.

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Market Value Adjustment. If you withdraw or transfer your account value from the GAA before the guaranteed term is completed, an MVA may apply. The MVA reflects the change in the value of the investment due to changes in interest rates since the date of deposit. The MVA may be positive or negative.

• If interest rates at the time of withdrawal have increased since the date of deposit, the value of the investment decreases and the MVA will be negative. This could result in your receiving less than the amount you paid into the GAA; and

• If interest rates at the time of withdrawal have decreased since the date of deposit, the value of the investment increases and the MVA will be positive.

Under some contracts issued in New York, if you have elected ECO as described in “Systematic Distribution Options,” no MVA applies to amounts withdrawn from the GAA.

Guaranteed Terms. The guaranteed term is the period of time account dollars must be left in the GAA in order to earn the interest rate specified for that guaranteed term. We offer different guaranteed terms at different times. Check with your local representative or the Company to learn the details about the guaranteed term(s) currently being offered.

In general we offer the following guaranteed terms:

• Short-term-three years or less; and

• Long-term-ten years or less, but greater than three years.

At the end of a guaranteed term, the contract holder or you if permitted may:

• Transfer dollars to a new guaranteed term, if available;

• Transfer dollars to other available investment options; or

• Withdraw dollars.

Deductions may apply to withdrawals. See “Fees and Other Deductions” in this Appendix.

Transfer of Account Dollars. Generally, account dollars invested in the GAA may be transferred among guaranteed terms offered through the GAA, and/or to other investment options offered through the contract. However, transfers may not be made during the deposit period in which your account dollars are invested in the GAA or for 90 days after the close of that deposit period. We will apply an MVA to transfers made before the end of a guaranteed term.

Income Phase. The GAA cannot be used as an investment option during the income phase. The contract holder or you, if permitted, may notify us at least 30 days in advance to elect a variable payment option and to transfer your GAA dollars to any of the subaccounts available during the income phase.

Loans. You cannot take a loan from your account value in the GAA. However, we include your account value in the GAA when determining the amount of your account value we may distribute as a loan.

Reinstating Amounts Withdrawn from the GAA. If amounts are withdrawn from the GAA and then reinstated in the GAA, we will apply the reinstated amount to the current deposit period. The guaranteed annual interest rate, and guaranteed terms available on the date of reinstatement will apply. Amounts will be reinstated proportionately in the same way as they were allocated before withdrawal.

Your account value will not be credited for any negative MVA that was deducted at the time of withdrawal.

The Company has filed a registration statement (including a prospectus) with the SEC for the offering to which this Appendix relates. Before you invest, you should read the prospectus in that registration statement and other documents the Company has filed with the SEC for more complete information about the Company and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at http://www.sec.gov. Alternatively, the Company will arrange to send you the prospectus if you request it by contacting us at the address and telephone number listed in “CONTRACT OVERVIEW – Questions: Contacting the Company.” The number assigned to the registration statement for this offering is 333-210551.

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APPENDIX III
PARTICIPANT APPOINTMENT OF EMPLOYER AS AGENT

UNDER AN ANNUITY CONTRACT

For Plans under Sections 403(b) or 401(a)/(k) of the Tax Code (Except Voluntary

Section 403(b) Plans) (including Roth 403(b) and Roth 401(k) Plans)*

The employer has adopted a plan under Tax Code Sections 403(b) (including Roth 403(b)), 401(a)/(k) (including Roth 401(k)) (“Plan”) and has purchased a Voya Retirement Insurance and Annuity Company (the “Company”) group variable annuity contract (“Contract”) as the funding vehicle. Contributions under this Plan will be made by the participant through salary reduction to an employee account and by the employer to an employer account.

By electing to participate in the employer’s Plan, the participant voluntarily appoints the employer, who is the Contract Holder, as the participant’s agent for the purposes of all transactions under the Contract in accordance with the terms of the Plan. The Company is not a party to the Plan and does not interpret the Plan provisions.

As a participant in the Plan, the participant understands and agrees to the following terms and conditions:

• The participant owns the value of his/her employee account subject to the restrictions of Tax Code Sections 403(b), 401(a)/(k) and the terms of the Plan. Subject to the terms of the vesting schedule in the Plan and the restrictions of Tax Code Sections 403(b), 401(a)/(k), the participant has ownership in the value of his/her employer account;

• The Company will process transactions only with the employer’s written direction to the Company. The participant will be bound by the employer’s interpretation of the Plan provisions and its written direction to the Company;

• The employer may permit the participant to make investment selections under the employee account and/or the employer account directly with the Company under the terms of the Contract. Without the employer’s written permission, the participant will be unable to make any investment selections under the Contract;

• On behalf of the participant, the employer may request a loan in accordance with the terms of the Contract and the provisions of the Plan. The Company will make payment of the loan amount directly to the participant. The participant will be responsible for making repayments directly to the Company in a timely manner; and

• In the event of the participant’s death, the employer is the named beneficiary under the terms of the Contract. The participant has the right to name a personal beneficiary as determined under the terms of the Plan and file that beneficiary election with the employer. It is the employer’s responsibility to direct the Company to properly pay any death benefits.

________________________

* Under most group contracts issued through a voluntary 403(b) or Roth 403(b) plan and under individual contracts, you generally hold all rights under the contract and may make elections for your accounts. However, pursuant to Treasury Department regulations that were generally effective on January 1, 2009, the exercise of certain of these rights may require the consent and approval of the plan sponsor or its delegate. See “FEDERAL Tax Considerations - Distributions – Eligibility – 403(b) and Roth 403(b) Plans.” See the contract or your certificate (if applicable) to determine who holds rights under the contract.

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APPENDIX IV
FUND DESCRIPTIONS

Certain funds offered under the contracts have limited availability as follows:

• Artisan International Fund (Investor Shares) is only available to plans who have selected the fund as an investment option prior to July 1, 2016.

• Lazard Emerging Markets Equity Portfolio (Open Shares) is only available to plans offering the portfolio prior to July 19, 2010.

• Dodge & Cox International Stock Fund is only available to plans offering the fund prior to January 16, 2015.

• Lord Abbett Developing Growth Fund (Class A) is only available to plans offering the fund prior to January 15, 2012.

• Lord Abbett Core Fixed Income Fund (Class A) and Lord Abbett Fundamental Equity Fund (Class A) are only available to plans that were offering these funds prior to December 31, 2015.

• Lord Abbett Mid Cap Stock Fund (Class A) and Lord Abbett Small-Cap Value Fund (Class A) are only available to plans offering these funds prior to September 1, 2005.

• Oppenheimer Developing Markets Fund (Class A) is only available to plans offering the fund prior to April 12, 2013.

• T. Rowe Price Mid-Cap Value Fund (R Class) is only available to plans offering the fund prior to February 25, 2005.

• The Victory Sycamore Established Value Fund is closed to new investors. The fund will continue to be available for investment by existing investors and through retirement plans that currently offer the fund.

• The Voya Growth and Income Portfolio (Class I) is available only to those contracts that were offering the ING Opportunistic LargeCap Portfolio (Class I) as of the August 20, 2010.

• The Voya Growth and Income Portfolio (Class S) is available only to those contracts that were offering the ING Growth and Income Portfolio II (Class S) as of August 7, 2009.

• The Voya Large Cap Growth Portfolio (Class I) is available only to those contracts that were offering the ING Lord Abbett Growth and Income Portfolio (Class I) and the ING Pioneer Equity Income Portfolio (Class I) prior to January 21, 2011. Class S shares remain available for investment under the contract.

• The Voya Large Cap Value Portfolio (Class I) is available only to those contracts that were offering the ING Pioneer Equity Income Portfolio (Class I) and/or the Pioneer Mid Cap Value VCT Portfolio (Class I) prior to July 27, 2007. Class S shares remain available for investment under the contract.

• The Voya Multi-Manager Large Cap Core Portfolio (Class I) is available only to those contracts that were offering the Pioneer Fund VCT Portfolio (Class I) prior to July 27, 2007. Class S shares remain available for investment under the contract.

• The VY^Ò JPMorgan Mid Cap Value Portfolio is only available to plans offering the fund prior to February 7, 2014.

• The VY^Ò T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I) are available only to plans that were offering I Class prior to November 3, 2005. Class S shares remain available for investment under the contract.

• The VY^Ò Templeton Global Growth Portfolio (Class I) is available only to those contracts that were offering the Templeton Growth Fund, Inc. (Class A) prior to July 27, 2007. Class S shares remain available for investment under the contract.

List of Fund Name Changes

New Fund Name	Former Fund Name
BlackRock Mid Cap Dividend Fund	BlackRock Mid Cap Value Opportunities Fund
Columbia Large Cap Value Fund	Columbia Diversified Equity Income Fund
Invesco Health Care Fund	Invesco Global Health Care Fund
Neuberger Berman Sustainable Equity Fund	Neuberger Berman Socially Responsive Fund^Ò

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The investment results of the mutual funds (“funds”) are likely to differ significantly and there is no assurance that any of the funds will achieve their respective investment objectives. You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. Please refer to the fund prospectuses for additional information. Shares of the funds will rise and fall in value and you could lose money by investing in the funds. Shares of the funds are not bank deposits and are not guaranteed, endorsed or insured by any financial institution, the FDIC or any other government agency. Fund prospectuses may be obtained free of charge at the address and telephone number listed in “Contract Overview - Questions,” by accessing the SEC’s web site or by contacting the SEC Public Reference Branch. If you have 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.

Certain funds offered under the contracts have investment objectives and policies similar to other funds managed by the fund’s investment adviser. The investment results of a fund may be higher or lower than those of other funds managed by the same adviser. There is no assurance and no representation is made that the investment results of any fund will be comparable to those of another fund managed by the same investment adviser.

For the share class of each fund offered through your contract, please see the cover page.

Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

AB Relative Value Fund

Investment Adviser: AllianceBernstein, L.P.

Seeks long-term growth of capital.

Alger Capital Appreciation Fund

Investment Adviser: Fred Alger Management, Inc.

Seeks long-term capital appreciation.

Alger Responsible Investing Fund

Investment Adviser: Fred Alger Management, Inc.

Seeks long-term capital appreciation.

AllianzGI NFJ Dividend Value Fund

Investment Adviser: Allianz Global Investors Fund Management LLC

Subadviser: NFJ Investment Group LLC (“NFJ”)

Seeks long-term growth of capital and income.

AllianzGI NFJ Small-Cap Value Fund

Investment Adviser: Allianz Global Investors Fund Management LLC

Subadviser: NFJ Investment Group LLC (“NFJ”)

Seeks long-term growth of capital and income.

Amana Growth Fund

Investment Adviser: Saturna Capital Corporation

Seeks long-term capital growth, consistent with Islamic principles.

Amana Income Fund

Investment Adviser: Saturna Capital Corporation

Seeks current income and preservation of capital, consistent with Islamic principles.

American Century Investments^Ò Inflation-Adjusted Bond Fund

Investment Adviser: American Century Investment Management, Inc.

Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.

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Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

American Funds^® - American Balanced Fund^Ò

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide (1) conservation of capital, (2) current income and (3) long-term growth of capital and income.

American Funds^® - Capital World Growth and Income Fund^®

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide long-term growth of capital while providing current income.

American Funds^® - EuroPacific Growth Fund^Ò

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide long-term growth of capital.

American Funds^® - Fundamental Investors^®

Investment Adviser: Capital Research and Management Company^SM

Seeks to achieve long-term growth of capital and income.

American Funds^® - New Perspective Fund^Ò

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide long-term growth of capital. Future income is a secondary objective.

American Funds^® - The Growth Fund of America^Ò

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide growth of capital.

American Funds^® - The Income Fund of America^Ò

Investment Adviser: Capital Research and Management Company^SM

Seeks to provide current income while secondarily striving for capital growth.

American Funds^® - Washington Mutual Investors Fund^SM

Investment Adviser: Capital Research and Management Company^SM

Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.

Ariel Appreciation Fund

Investment Adviser: Ariel Investments, LLC

Pursues long-term capital appreciation.

Ariel Fund

Investment Adviser: Ariel Investments, LLC

Pursues long-term capital appreciation.

Artisan International Fund

Investment Adviser: Artisan Partners Limited Partnership

Seeks maximum long-term capital growth.

BlackRock Equity Dividend Fund

Investment Adviser: BlackRock Advisors, LLC

Seeks long-term total return and current income.

BlackRock Mid Cap Dividend Fund

Investment Adviser: BlackRock Advisors, LLC

Seeks capital appreciation and, secondarily, income by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value.

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Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

Columbia Acorn^®Fund

Investment Adviser: Columbia Wanger Asset Management, LLC

Seeks long-term capital appreciation.

Columbia High Yield Bond Fund

Investment Adviser: Columbia Management Investment Advisers, LLC

Seeks to provide shareholders with high level of current income as its primary objective and, as its secondary objective, capital growth.

Columbia Large Cap Value Fund

Investment Adviser: Columbia Management Investment Advisers, LLC

Seeks to provide shareholders with a high level of current income and as a secondary objective, steady growth of capital.

Columbia Mid Cap Value Fund

Investment Adviser: Columbia Management Investment Advisers, LLC

Seeks long-term capital appreciation.

CRM Mid Cap Value Fund

Investment Adviser: Cramer Rosenthal McGlynn, LLC

Seeks long-term capital appreciation.

Dodge & Cox International Stock Fund

Investment Adviser: Dodge & Cox

Seeks long-term growth of principal and income.

Dodge & Cox Stock Fund

Investment Adviser: Dodge & Cox

Seeks long-term growth of principal and income. A secondary objective is to achieve a reasonable current income.

Eaton Vance Large-Cap Value Fund*

Investment Adviser: Boston Management and Research (BMR), a subsidiary of Eaton Vance Management**

* This fund invests all of its investable assets in interests in Large-Cap Value Portfolio, which has the same investment objective and policies as the fund.

** Investment adviser to the Large-Cap Value Portfolio

Seeks total return.

Fidelity Advisor^® New Insights Fund

Investment Adviser: Fidelity Management & Research Company

Subadvisers: FMR Co., Inc. and other investment advisers

Seeks capital appreciation.

Fidelity^Ò VIP Contrafund^Ò Portfolio

Investment Adviser: Fidelity Management & Research Company

Subadvisers: FMR Co., Inc. and other investment advisers

Seeks long-term capital appreciation.

Fidelity^Ò VIP Equity-Income Portfolio

Investment Adviser: Fidelity Management & Research Company

Subadvisers: FMR Co., Inc. and other investment advisers

Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500^ÒIndex.

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Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

Fidelity^Ò VIP Growth Portfolio

Investment Adviser: Fidelity Management & Research Company

Subadvisers: FMR Co., Inc. and other investment advisers

Seeks to achieve capital appreciation.

Franklin Mutual Global Discovery Fund

Investment Adviser: Franklin Mutual Advisers, LLC

Seeks capital appreciation.

Franklin Small Cap Value VIP Fund

Investment Adviser: Franklin Advisory Services, LLC

Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small-capitalization companies.

Franklin Small-Mid Cap Growth Fund

Investment Adviser: Franklin Advisers, Inc.

Seeks long-term capital growth.

Invesco Endeavor Fund

Investment Adviser: Invesco Advisers, Inc.

Subadviser: Invesco Canada, Ltd.

Seeks long-term growth of capital.

Invesco Health Care Fund

Investment Adviser: Invesco Advisers, Inc.

Seeks long-term growth of capital.

Invesco Mid Cap Core Equity Fund

Investment Adviser: Invesco Advisers, Inc.

Seeks long-term growth of capital.

Invesco Small Cap Value Fund

Investment Adviser: Invesco Advisers, Inc.

Seeks long-term growth of capital.

Lazard Emerging Markets Equity Portfolio

Investment Adviser: Lazard Asset Management LLC

Seeks long-term capital appreciation.

Lord Abbett Core Fixed Income Fund

Investment Adviser: Lord, Abbett & Co. LLC

Seeks income to deliver current income and the opportunity for capital appreciation by investing primarily in U.S. investment grade corporate, government, and mortgage- and asset-backed securities.

Lord Abbett Developing Growth Fund

Investment Adviser: Lord, Abbett & Co. LLC

Seeks to deliver long-term growth of capital by investing primarily in stocks of U.S. companies.

Lord Abbett Fundamental Equity Fund

Investment Adviser: Lord, Abbett & Co. LLC

Seeks to deliver long-term growth of capital by investing primarily in stocks of U.S. companies.

Lord Abbett Mid Cap Stock Fund

Investment Adviser: Lord, Abbett & Co. LLC

Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.

Lord Abbett Small-Cap Value Fund

Investment Adviser: Lord, Abbett & Co. LLC

Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.

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Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

Mainstay Large Cap Growth Fund

Investment Adviser: New York Life Investment Management LLC

Subadviser: Winslow Capital Management, Inc.

Seeks long-term growth of capital.

Massachusetts Investors Growth Stock Fund

Investment Adviser: Massachusetts Financial Services Company

Seeks capital appreciation.

Neuberger Berman Genesis Fund^®

Investment Adviser: Neuberger Berman Investment Advisers LLC

Seeks growth of capital.

Neuberger Berman Sustainable Equity Fund

Investment Adviser: Neuberger Berman Investment Advisers LLC

Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund's financial criteria and social policy.

Oppenheimer Capital Appreciation Fund

Investment Adviser: OFI Global Asset Management, Inc.

Subadviser: OppenheimerFunds, Inc.

The Fund seeks capital appreciation.

Oppenheimer Developing Markets Fund

Investment Adviser: OFI Global Asset Management, Inc.

Subadviser: OppenheimerFunds, Inc.

The Fund seeks capital appreciation.

Oppenheimer Gold & Special Minerals Fund

Investment Adviser: OFI Global Asset Management, Inc.

Subadviser: OppenheimerFunds, Inc.

The Fund seeks capital appreciation.

Oppenheimer International Bond Fund

Investment Adviser: OFI Global Asset Management, Inc.

Subadviser: OppenheimerFunds, Inc.

The Fund seeks total return.

Pax Balanced Fund

Investment Adviser: Pax World Management LLC

Seeks income and conservation of principal and secondarily long-term growth of capital.

PIMCO Real Return Portfolio

Investment Adviser: Pacific Investment Management Company LLC

Seeks maximum real return, consistent with preservation of real capital and prudent investment management.

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Fund Name and Investment Adviser/Subadviser	Investment Objective(s)
Pioneer High Yield Fund Investment Adviser: Pioneer Investment Management, Inc.	Maximize total return through a combination of income and capital appreciation. The Fund invests in below-investment grade debt securities and preferred securities and seeks to invest in industries with the best valuations and growth prospects. The Fund uses a research-intensive credit and issue selection process by one of the industry’s most experienced fixed-income management teams.
Pioneer Strategic Income Fund Investment Adviser: Pioneer Investment Management, Inc.	Seeks a high level of current income by actively managing a diversified portfolio of U.S. and international high yield and investment-grade debt securities. It selects sector concentrations driven by evaluation of capital markets. The Fund actively adjusts a blend of fixed-income securities to manage risk, seek enhanced yield, and offer total return potential.
Royce Total Return Fund Investment Adviser: Royce & Associates, LLC (“Royce”)	Seeks both long-term growth of capital and current income.
T. Rowe Price Mid-Cap Value Fund Investment Adviser: T. Rowe Price Associates, Inc.	Seeks to provide long-term capital appreciation by investing primarily in mid-sized companies that appear to be undervalued.
Templeton Foreign Fund Investment Adviser: Templeton Global Advisors Limited	Seeks long-term capital growth.
The Hartford International Opportunities Fund Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP	Seeks long-term growth of capital.
Thornburg International Value Fund Investment Adviser: Thornburg Investment Management, Inc. (“Thornburg”)	Seeks long-term capital appreciation by investing in equity and debt securities of all types. The secondary, non-fundamental goal of the fund is to seek some current income.
Vanguard^® Diversified Value Portfolio* Investment Adviser: Barrow, Hanley, Mewhinney & Strauss, LLC *Vanguard is a trademark of The Vanguard Group, Inc.	Seeks to provide long-term capital appreciation and income.
Vanguard^® Equity Income Portfolio* Investment Adviser: Wellington Management Company LLP, Vanguard Quantitative Equity Group *Vanguard is a trademark of The Vanguard Group, Inc.	Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.
Vanguard^® Small Company Growth Portfolio* Investment Adviser: ArrowMark Partners, Vanguard Quantitative Equity Group *Vanguard is a trademark of The Vanguard Group, Inc.	Seeks to provide long-term capital appreciation.

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Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
Victory Sycamore Established Value Fund Investment Adviser: Victory Capital Management, Inc.		Seeks to provide long-term capital growth by investing primarily in common stocks.
Victory Sycamore Small Company Opportunity Fund Investment Adviser: Victory Capital Management, Inc.		Seeks to provide capital appreciation.
Voya Balanced Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation.
Voya Global Bond Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks to maximize total return through a combination of current income and capital appreciation.
	Voya Global Equity Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks long-term capital growth and current income.
Voya Global Real Estate Fund Investment Adviser: Voya Investments, LLC Subadviser: CBRE Clarion Securities LLC		Seeks high total return consisting of capital appreciation and current income.
Voya GNMA Income Fund Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.
Voya Government Money Market Portfolio* Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC * There is no guarantee that the Voya Government Money Market Portfolio subaccount will have a positive or level return.		Seeks to provide high current return consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00.
	Voya Growth and Income Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.
	Voya High Yield Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to provide investors with a high level of current income and total return.

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Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
	Voya Index Plus LargeCap Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to outperform the total return performance of the S&P 500^® Index while maintaining a market level of risk.
	Voya Index Plus MidCap Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to outperform the total return performance of the S&P MidCap 400^® Index while maintaining a market level of risk.
	Voya Index Plus SmallCap Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to outperform the total return performance of the S&P SmallCap 600^® Index while maintaining a market level of risk.
Voya Index Solution 2025 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2025. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Index Solution 2035 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Index Solution 2045 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Index Solution 2055 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Index Solution Income Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

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Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
Voya Intermediate Bond Fund Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks to maximize total return through income and capital appreciation.
Voya Intermediate Bond Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.
Voya International Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index.
Voya Large-Cap Growth Fund Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks long-term capital appreciation.
Voya Large Cap Growth Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks long-term capital growth.
Voya Large Cap Value Fund Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks long-term growth of capital and current income.
	Voya Large Cap Value Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks long-term growth of capital and current income.
	Voya MidCap Opportunities Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks long-term capital appreciation.
	Voya Multi-Manager International Small Cap Fund Investment Adviser: Voya Investments, LLC Subadvisers: Acadian Asset Management LLC, Victory Capital Management Inc. and Wellington Management Company LLP	Seeks maximum long-term capital appreciation.

PRO.109860-18

Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
	Voya Multi-Manager Large Cap Core Portfolio Investment Adviser: Voya Investments, LLC Subadvisers: Columbia Management Investment Advisers, LLC and The London Company of Virginia, LLC d/b/a The London Company	Seeks reasonable income and capital growth.
	Voya Real Estate Fund Investment Adviser: Voya Investments, LLC Subadviser: CBRE Clarion Securities LLC	Seeks total return consisting of long-term capital appreciation and current income.
	Voya Russell^TMLarge Cap Growth Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200^® Growth Index.
Voya Russell^TMLarge Cap Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200^® Index.
Voya Russell^TMLarge Cap Value Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200^® Value Index.
	Voya Russell^TM Mid Cap Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap^® Index.
	Voya Russell^TMSmall Cap Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000^® Index.
	Voya Small Company Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.
	Voya SmallCap Opportunities Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks long-term capital appreciation.
	Voya Solution 2025 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2025. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

PRO.109860-18

Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
	Voya Solution 2035 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Solution 2045 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
Voya Solution 2055 Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC		Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
	Voya Solution Income Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.
	Voya Strategic Allocation Conservative Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to provide total return (i.e., income and capital growth, both realized and unrealized) consistent with preservation of capital.
	Voya Strategic Allocation Growth Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to provide capital appreciation.
	Voya Strategic Allocation Moderate Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks to provide total return (i.e., income and capital appreciation, both realized and unrealized).
	Voya U.S. Bond Index Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg Barclays U.S. Aggregate Bond Index.
	VY^® American Century Small-Mid Cap Value Portfolio Investment Adviser: Voya Investments, LLC Subadviser: American Century Investment Management, Inc.	Seeks long-term capital growth. Income is a secondary objective.

PRO.109860-18

Fund Name and Investment Adviser/Subadviser		Investment Objective(s)
	VY^® Baron Growth Portfolio Investment Adviser: Voya Investments, LLC Subadviser: BAMCO, Inc.	Seeks capital appreciation.
	VY^® Clarion Real Estate Portfolio Investment Adviser: Voya Investments, LLC Subadviser: CBRE Clarion Securities LLC	Seeks total return including capital appreciation and current income.
	VY^® Columbia Contrarian Core Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC	Seeks total return consisting of long-term capital appreciation and current income.
	VY^® Columbia Small Cap Value II Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC	Seeks long-term growth of capital.
	VY^® Invesco Comstock Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.	Seeks capital growth and income.
VY^® Invesco Equity and Income Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.		Seeks total return consisting of long-term capital appreciation and current income.
VY^® Invesco Growth and Income Portfolio Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.		Seeks long-term growth of capital and income.
VY^® JPMorgan Emerging Markets Equity Portfolio Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.		Seeks capital appreciation.
VY^® JPMorgan Mid Cap Value Portfolio Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.		Seeks growth from capital appreciation.
VY^® JPMorgan Small Cap Core Equity Portfolio Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.		Seeks capital growth over the long-term.

PRO.109860-18

Fund Name and

Investment Adviser/Subadviser

Investment Objective(s)

VY^® Oppenheimer Global Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: OppenheimerFunds, Inc.

Seeks capital appreciation.

VY^® Pioneer High Yield Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: Amundi Pioneer Asset Management, Inc.

Seeks to maximize total return through income and capital appreciation.

VY^® T. Rowe Price Capital Appreciation Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk.

VY^® T. Rowe Price Diversified Mid Cap Growth Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

Seeks long-term capital appreciation.

VY^® T. Rowe Price Equity Income Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

Seeks a high level of dividend income as well as long-term growth of capital primarily through investments in stocks.

VY^® T. Rowe Price Growth Equity Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

Seeks long-term growth through investments in stocks.

VY^® T. Rowe Price International Stock Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

Seeks long-term growth of capital.

VY^® Templeton Foreign Equity Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: Templeton Investment Counsel, LLC

Seeks long-term capital growth.

VY^® Templeton Global Growth Portfolio

Investment Adviser: Voya Investments, LLC

Subadviser: Templeton Global Advisors Limited

Seeks capital appreciation. Current income is only an incidental consideration.

Wanger International

Investment Adviser: Columbia Wanger Asset Management, LLC

Seeks long-term capital appreciation.

PRO.109860-18

Fund Name and Investment Adviser/Subadviser	Investment Objective(s)
Wanger Select Investment Adviser: Columbia Wanger Asset Management, LLC	Seeks long-term capital appreciation.
Wanger USA Investment Adviser: Columbia Wanger Asset Management, LLC	Seeks long-term capital appreciation.
Wells Fargo Special Small Cap Value Fund Investment Adviser: Wells Fargo Funds Management, LLC Subadviser: Wells Capital Management Incorporated	Seeks long-term capital appreciation.
Western Asset Mortgage Backed Securities Fund Investment Adviser: Legg Mason Partners Fund Advisor, LLC Subadviser: Western Asset Management Company	Seeks high current return.

PRO.109860-18

APPENDIX V CONDENSED FINANCIAL INFORMATION

INDEX
Table 1 - For Contracts With A Daily Asset Charge of 0.00%	CFI 1
Table 2 - For Contracts With A Daily Asset Charge of 0.05%	CFI 5
Table 3 - For Contracts With A Daily Asset Charge of 0.10%	CFI 5
Table 4 - For Contracts With A Daily Asset Charge of 0.15%	CFI 7
Table 5 - For Contracts With A Daily Asset Charge of 0.20%	CFI 9
Table 6 - For Contracts With A Daily Asset Charge of 0.25%	CFI 12
Table 7 - For Contracts With A Daily Asset Charge of 0.30%	CFI 15
Table 8 - For Contracts With A Daily Asset Charge of 0.35%	CFI 17
Table 9 - For Contracts With A Daily Asset Charge of 0.40%	CFI 21
Table 10 - For Contracts With A Daily Asset Charge of 0.45%	CFI 25
Table 11 - For Contracts With A Daily Asset Charge of 0.50%	CFI 28
Table 12 - For Contracts With A Daily Asset Charge of 0.55%	CFI 31
Table 13 - For Contracts With A Daily Asset Charge of 0.60%	CFI 34
Table 14 - For Contracts With A Daily Asset Charge of 0.65%	CFI 37
Table 15 - For Contracts With A Daily Asset Charge of 0.70%	CFI 40
Table 16 - For Contracts With A Daily Asset Charge of 0.75%	CFI 43
Table 17 - For Contracts With A Daily Asset Charge of 0.80%	CFI 46
Table 18 - For Contracts With A Daily Asset Charge of 0.85%	CFI 50
Table 19 - For Contracts With A Daily Asset Charge of 0.90%	CFI 55
Table 20 - For Contracts With A Daily Asset Charge of 0.95%	CFI 58
Table 21 - For Contracts With A Daily Asset Charge of 1.00%	CFI 61
Table 22 - For Contracts With A Daily Asset Charge of 1.05%	CFI 63
Table 23 - For Contracts With A Daily Asset Charge of 1.10%	CFI 67
Table 24 - For Contracts With A Daily Asset Charge of 1.15%	CFI 70
Table 25 - For Contracts With A Daily Asset Charge of 1.20%	CFI 73
Table 26 - For Contracts With A Daily Asset Charge of 1.25%	CFI 76
Table 27 - For Contracts With A Daily Asset Charge of 1.30%	CFI 80
Table 28 - For Contracts With A Daily Asset Charge of 1.35%	CFI 84
Table 29 - For Contracts With A Daily Asset Charge of 1.40%	CFI 87
Table 30 - For Contracts With A Daily Asset Charge of 1.45%	CFI 89
Table 31 - For Contracts With a Daily Asset Charge of 1.55%	CFI 91
Table 32 - For Certain Subaccounts Beginning, During or after February 2014 in Contracts with a Daily Asset Charge of 1.00%	CFI 92
Table 33 - For Certain Subaccounts Beginning, During or after February 2012 in Contracts with a Daily Asset Charge of 1.15%	CFI 93

PRO.109860-18

APPENDIX V

CONDENSED FINANCIAL INFORMATION

Except for subaccounts which did not commence operations as of December 31, 2017, the following table gives (1) the accumulation unit value ("AUV") at the

beginning of the period, (2) the AUV at the end of the period and (3) the total number of accumulation units outstanding at the end of the period for each

subaccount of Variable Annuity Account C available under the contracts for the indicated periods. For those subaccounts that commenced operations during the

period ended December 31, 2017, the "Value at beginning of period" shown is the value at first date of investment. Fund name changes after December 31, 2017 are

not reflected in the following information.


TABLE 1
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.00%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$22.20	$20.51	$20.24	$18.65	$15.37	$13.50	$13.05	$11.58	$9.59	$12.95
Value at end of period	$25.54	$22.20	$20.51	$20.24	$18.65	$15.37	$13.50	$13.05	$11.58	$9.59
Number of accumulation units outstanding at end of period	323	5,819	20,172	20,104	34,725	29,844	25,431	11,424	9,529	8,670
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during April 2012)
Value at beginning of period	$20.24	$19.07	$19.56	$18.87	$15.15	$13.96
Value at end of period	$25.16	$20.24	$19.07	$19.56	$18.87	$15.15
Number of accumulation units outstanding at end of period	6,638	5,174	4,296	3,142	2,283	750
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$21.42	$21.34	$21.58	$22.23	$18.56	$15.61	$18.12	$16.61	$11.98	$20.20
Value at end of period	$27.92	$21.42	$21.34	$21.58	$22.23	$18.56	$15.61	$18.12	$16.61	$11.98
Number of accumulation units outstanding at end of period	1,095	43	1,226	1,230	35,242	37,987	112,305	82,862	73,444	73,097
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during October 2010)
Value at beginning of period	$17.41	$15.52	$15.06	$13.88	$10.59	$9.06	$9.27	$8.73
Value at end of period	$21.40	$17.41	$15.52	$15.06	$13.88	$10.59	$9.06	$9.27
Number of accumulation units outstanding at end of period	1,941	0	1,516	965	18,527	22,857	18,492	147
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$25.14	$24.77	$23.58	$22.93	$18.14	$15.07	$16.36	$14.56	$10.62	$17.15
Value at end of period	$32.29	$25.14	$24.77	$23.58	$22.93	$18.14	$15.07	$16.36	$14.56	$10.62
Number of accumulation units outstanding at end of period	31	31	14,599	14,182	32,076	32,701	125,636	117,008	115,666	120,620
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$26.04	$24.09	$22.93	$21.05	$15.78	$13.13	$13.84	$12.36	$9.22	$15.17
Value at end of period	$32.74	$26.04	$24.09	$22.93	$21.05	$15.78	$13.13	$13.84	$12.36	$9.22
Number of accumulation units outstanding at end of period	7,229	750	36,158	37,364	36,655	34,117	105,792	73,191	66,752	42,845
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$22.46	$20.39	$20.77	$19.23	$16.33	$14.63	$13.91	$12.47	$10.05	$14.19
Value at end of period	$25.37	$22.46	$20.39	$20.77	$19.23	$16.33	$14.63	$13.91	$12.47	$10.05
Number of accumulation units outstanding at end of period	0	0	17,688	16,299	12,571	11,594	8,934	7,753	6,050	3,975
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
Value at beginning of period	$23.75	$21.02	$21.12	$19.06	$14.50	$12.94	$12.13	$10.73	$9.05	$13.57
Value at end of period	$28.43	$23.75	$21.02	$21.12	$19.06	$14.50	$12.94	$12.13	$10.73	$9.05
Number of accumulation units outstanding at end of period	0	0	18,467	19,696	18,688	23,349	22,517	22,019	21,464	21,121

CFI 1


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$27.63	$24.61	$25.58	$24.42	$19.53	$17.27	$17.84	$16.09	$13.33	$18.24
Value at end of period	$30.20	$27.63	$24.61	$25.58	$24.42	$19.53	$17.27	$17.84	$16.09	$13.33
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	702	0
INVESCO SMALL CAP VALUE FUND (CLASS A)
(Funds were first received in this option during January 2017)
Value at beginning of period	$31.92
Value at end of period	$36.53
Number of accumulation units outstanding at end of period	286
MAINSTAY LARGE CAP GROWTH FUND (CLASS R3)
(Funds were first received in this option during February 2012)
Value at beginning of period	$21.29	$21.93	$20.77	$18.90	$13.90	$13.65
Value at end of period	$28.04	$21.29	$21.93	$20.77	$18.90	$13.90
Number of accumulation units outstanding at end of period	75	75	75	75	33,684	30,538
PAX BALANCED FUND (INDIVIDUAL INVESTOR CLASS)
(Funds were first received in this option during January 2017)
Value at beginning of period	$19.13
Value at end of period	$21.37
Number of accumulation units outstanding at end of period	258
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
(Funds were first received in this option during December 2013)
Value at beginning of period	$31.95	$25.82	$26.87	$24.42	$24.42
Value at end of period	$35.49	$31.95	$25.82	$26.87	$24.42
Number of accumulation units outstanding at end of period	4,911	0	3,960	3,140	2,834
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2012)
Value at beginning of period	$13.32	$12.56	$13.16	$13.13	$13.72	$13.15
Value at end of period	$14.56	$13.32	$12.56	$13.16	$13.13	$13.72
Number of accumulation units outstanding at end of period	6,829	5,752	4,835	3,613	2,500	690
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$16.21	$15.95	$15.70	$14.96	$15.24	$14.81	$13.79	$12.98	$12.37	$11.57
Value at end of period	$16.45	$16.21	$15.95	$15.70	$14.96	$15.24	$14.81	$13.79	$12.98	$12.37
Number of accumulation units outstanding at end of period	0	0	4,506	10,262	11,079	10,333	9,811	8,207	6,980	6,065
VOYA HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2017)
Value at beginning of period	$20.69
Value at end of period	$21.76
Number of accumulation units outstanding at end of period	1,501
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2012)
Value at beginning of period	$16.66	$15.61	$15.87	$15.04	$12.87	$12.27
Value at end of period	$19.06	$16.66	$15.61	$15.87	$15.04	$12.87
Number of accumulation units outstanding at end of period	16,774	12,961	21,459	16,842	12,096	471
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2012)
Value at beginning of period	$17.85	$16.59	$16.89	$15.96	$13.11	$12.49
Value at end of period	$21.09	$17.85	$16.59	$16.89	$15.96	$13.11
Number of accumulation units outstanding at end of period	27,812	16,206	16,494	21,529	17,767	991
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2012)
Value at beginning of period	$18.45	$17.10	$17.45	$16.47	$13.30	$12.77
Value at end of period	$22.13	$18.45	$17.10	$17.45	$16.47	$13.30
Number of accumulation units outstanding at end of period	39,931	12,949	19,892	13,935	8,905	968

CFI 2


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2012)
Value at beginning of period	$17.79	$16.52	$16.86	$15.89	$12.82	$12.21
Value at end of period	$21.44	$17.79	$16.52	$16.86	$15.89	$12.82
Number of accumulation units outstanding at end of period	33,196	20,132	17,361	8,391	3,970	315
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2013)
Value at beginning of period	$14.18	$13.53	$13.70	$12.95	$12.47
Value at end of period	$15.44	$14.18	$13.53	$13.70	$12.95
Number of accumulation units outstanding at end of period	2,813	2,704	1,850	98	98
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$16.74	$16.13	$16.08	$15.10	$15.21	$13.98	$12.97	$11.83	$10.48	$11.65
Value at end of period	$17.49	$16.74	$16.13	$16.08	$15.10	$15.21	$13.98	$12.97	$11.83	$10.48
Number of accumulation units outstanding at end of period	1,190	1,118	4,805	4,902	20,090	22,005	34,940	32,197	21,115	26,543
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2011)
Value at beginning of period	$19.99	$19.28	$18.17	$16.03	$12.27	$10.41	$10.33
Value at end of period	$25.87	$19.99	$19.28	$18.17	$16.03	$12.27	$10.41
Number of accumulation units outstanding at end of period	5,815	4,909	9,340	7,431	3,653	2,766	4,143
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$22.81	$22.98	$21.28	$22.67	$17.64	$14.68	$17.82	$14.31	$9.84	$20.42
Value at end of period	$30.78	$22.81	$22.98	$21.28	$22.67	$17.64	$14.68	$17.82	$14.31	$9.84
Number of accumulation units outstanding at end of period	236	236	235	83	3,306	3,363	48,153	49,568	56,971	53,893
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$31.11	$30.08	$29.20	$22.44	$22.05	$19.12	$17.49	$13.73	$10.59	$16.33
Value at end of period	$32.60	$31.11	$30.08	$29.20	$22.44	$22.05	$19.12	$17.49	$13.73	$10.59
Number of accumulation units outstanding at end of period	14	14	11,855	12,008	22,051	27,828	25,249	16,593	14,066	12,788
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2012)
Value at beginning of period	$28.59	$26.89	$25.04	$22.21	$16.87	$16.86
Value at end of period	$37.43	$28.59	$26.89	$25.04	$22.21	$16.87
Number of accumulation units outstanding at end of period	16,297	17,523	13,614	10,762	8,399	1,963
VOYA SMALLCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during January 2017)
Value at beginning of period	$33.21
Value at end of period	$38.42
Number of accumulation units outstanding at end of period	337
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.84	$15.92	$15.96	$15.14	$13.04	$11.51	$11.89	$11.07
Value at end of period	$19.37	$16.84	$15.92	$15.96	$15.14	$13.04	$11.51	$11.89
Number of accumulation units outstanding at end of period	0	0	55,775	79,119	99,743	103,960	451,231	406,245
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.70	$16.68	$16.79	$15.91	$13.24	$11.52	$12.10	$11.23
Value at end of period	$21.11	$17.70	$16.68	$16.79	$15.91	$13.24	$11.52	$12.10
Number of accumulation units outstanding at end of period	1,701	1,676	25,422	23,251	50,982	48,011	256,766	228,410
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.30	$17.22	$17.40	$16.44	$13.34	$11.56	$12.22	$11.28
Value at end of period	$22.14	$18.30	$17.22	$17.40	$16.44	$13.34	$11.56	$12.22
Number of accumulation units outstanding at end of period	648	647	15,455	13,467	68,615	62,044	346,169	282,592

CFI 3


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2010)
Value at beginning of period	$17.45	$16.43	$16.60	$15.64	$12.68	$11.00	$11.61	$9.75
Value at end of period	$21.21	$17.45	$16.43	$16.60	$15.64	$12.68	$11.00	$11.61
Number of accumulation units outstanding at end of period	0	0	6,717	5,607	2,529	1,073	4,386	484
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$14.30	$13.71	$13.73	$13.00	$12.17	$11.10	$11.07	$10.42
Value at end of period	$15.62	$14.30	$13.71	$13.73	$13.00	$12.17	$11.10	$11.07
Number of accumulation units outstanding at end of period	715	205	33,495	1,613	6,786	5,204	22,379	18,485
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during October 2010)
Value at beginning of period	$35.15	$28.33	$28.83	$25.64	$19.52	$16.77	$17.32	$15.85
Value at end of period	$39.06	$35.15	$28.33	$28.83	$25.64	$19.52	$16.77	$17.32
Number of accumulation units outstanding at end of period	0	0	0	0	2,950	4,062	2,230	2,032
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$28.67	$27.22	$28.66	$27.47	$19.79	$16.53	$16.17	$12.79	$9.46	$16.10
Value at end of period	$36.76	$28.67	$27.22	$28.66	$27.47	$19.79	$16.53	$16.17	$12.79	$9.46
Number of accumulation units outstanding at end of period	347	291	14,003	12,018	25,549	24,064	23,473	10,884	7,885	8,254
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$21.02	$19.39	$18.83	$16.70	$12.39	$11.04	$11.58	$10.33	$7.85	$11.92
Value at end of period	$25.56	$21.02	$19.39	$18.83	$16.70	$12.39	$11.04	$11.58	$10.33	$7.85
Number of accumulation units outstanding at end of period	97	97	97	46	3,171	6,183	4,493	14,743	0	11,471
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$23.68	$20.10	$21.38	$19.59	$14.51	$12.23	$12.53
Value at end of period	$27.86	$23.68	$20.10	$21.38	$19.59	$14.51	$12.23
Number of accumulation units outstanding at end of period	28	28	28	28	16,383	16,476	15,265
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.97	$10.41	$10.65	$10.45
Value at end of period	$13.24	$11.97	$10.41	$10.65
Number of accumulation units outstanding at end of period	793	626	1,503	1,790
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$32.41	$28.26	$29.15	$25.35	$19.27	$16.06	$15.77	$12.82	$10.21	$15.24
Value at end of period	$36.86	$32.41	$28.26	$29.15	$25.35	$19.27	$16.06	$15.77	$12.82	$10.21
Number of accumulation units outstanding at end of period	682	1,216	10,899	9,489	15,351	17,188	13,554	9,641	7,816	7,551
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
Value at beginning of period	$27.02	$25.21	$24.79	$22.20	$16.48	$14.22	$14.80	$11.55	$7.91	$13.94
Value at end of period	$33.63	$27.02	$25.21	$24.79	$22.20	$16.48	$14.22	$14.80	$11.55	$7.91
Number of accumulation units outstanding at end of period	0	0	1,449	1,803	2,328	3,697	6,642	4,320	3,339	2,299
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$26.73	$26.40	$23.88	$22.03	$15.86	$13.37	$13.55	$11.62	$8.15	$14.14
Value at end of period	$35.61	$26.73	$26.40	$23.88	$22.03	$15.86	$13.37	$13.55	$11.62	$8.15
Number of accumulation units outstanding at end of period	1,286	1,057	8,409	9,068	13,915	16,243	11,904	11,336	5,731	9,730
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$12.59	$12.39	$12.84	$13.79	$11.50	$9.69	$11.04	$10.17	$7.71	$12.44
Value at end of period	$15.36	$12.59	$12.39	$12.84	$13.79	$11.50	$9.69	$11.04	$10.17	$7.71
Number of accumulation units outstanding at end of period	0	0	6,846	4,689	4,347	4,049	4,379	3,436	2,365	2,445

CFI 4


Condensed Financial Information (continued)





TABLE 2
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.05%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2012)
Value at beginning of period	$16.78	$15.87	$15.92	$15.11	$13.02	$12.61
Value at end of period	$19.30	$16.78	$15.87	$15.92	$15.11	$13.02
Number of accumulation units outstanding at end of period	0	2,081	1,710	1,388	1,020	613


TABLE 3
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.10%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$21.91	$20.27	$20.02	$18.47	$15.24	$13.40	$12.96	$11.52	$9.55	$12.13
Value at end of period	$25.19	$21.91	$20.27	$20.02	$18.47	$15.24	$13.40	$12.96	$11.52	$9.55
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	152	9,217	13,348
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
(Funds were first received in this option during December 2009)
Value at beginning of period	$21.15	$21.09	$21.35	$22.01	$18.39	$15.49	$18.00	$16.51	$16.60
Value at end of period	$27.53	$21.15	$21.09	$21.35	$22.01	$18.39	$15.49	$18.00	$16.51
Number of accumulation units outstanding at end of period	0	844	4	235	0	1,585	1,466	1,118	140
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$17.26	$15.40	$14.96	$13.80	$10.54	$9.03	$9.25	$8.01
Value at end of period	$21.19	$17.26	$15.40	$14.96	$13.80	$10.54	$9.03	$9.25
Number of accumulation units outstanding at end of period	0	2,359	0	19,545	0	1,797	1,592	947
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during December 2009)
Value at beginning of period	$25.71	$23.80	$22.68	$20.84	$15.64	$13.02	$13.74	$12.29	$12.40
Value at end of period	$32.28	$25.71	$23.80	$22.68	$20.84	$15.64	$13.02	$13.74	$12.29
Number of accumulation units outstanding at end of period	0	6,359	0	0	0	3,884	3,150	2,089	272
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during December 2014)
Value at beginning of period	$22.17	$20.14	$20.55	$20.70
Value at end of period	$25.02	$22.17	$20.14	$20.55
Number of accumulation units outstanding at end of period	0	0	0	140
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during December 2014)
Value at beginning of period	$16.25	$14.15	$14.46	$14.35
Value at end of period	$18.97	$16.25	$14.15	$14.46
Number of accumulation units outstanding at end of period	0	0	31	1,561
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
(Funds were first received in this option during December 2014)
Value at beginning of period	$27.27	$24.32	$25.31	$25.44
Value at end of period	$29.78	$27.27	$24.32	$25.31
Number of accumulation units outstanding at end of period	0	0	0	2,826

CFI 5


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
(Funds were first received in this option during December 2009)
Value at beginning of period	$31.54	$25.52	$26.58	$24.18	$18.49	$15.55	$16.44	$14.20	$14.38
Value at end of period	$35.00	$31.54	$25.52	$26.58	$24.18	$18.49	$15.55	$16.44	$14.20
Number of accumulation units outstanding at end of period	0	4,657	0	0	0	2,252	1,706	1,062	153
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during January 2016)
Value at beginning of period	$16.55	$15.24
Value at end of period	$18.91	$16.55
Number of accumulation units outstanding at end of period	0	13,530
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.73	$16.49	$16.80	$15.90	$13.08	$11.38	$11.79	$11.10
Value at end of period	$20.93	$17.73	$16.49	$16.80	$15.90	$13.08	$11.38	$11.79
Number of accumulation units outstanding at end of period	0	5,591	0	0	0	2,644	1,939	1,219
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.32	$17.00	$17.36	$16.40	$13.26	$11.47	$12.00	$11.24
Value at end of period	$21.96	$18.32	$17.00	$17.36	$16.40	$13.26	$11.47	$12.00
Number of accumulation units outstanding at end of period	0	14,180	0	0	0	6,483	4,986	3,151
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during January 2016)
Value at beginning of period	$17.67	$15.98
Value at end of period	$21.28	$17.67
Number of accumulation units outstanding at end of period	0	4,674
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during January 2016)
Value at beginning of period	$14.08	$13.36
Value at end of period	$15.32	$14.08
Number of accumulation units outstanding at end of period	0	297
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$30.71	$29.72	$28.89	$22.21	$21.85	$18.97	$17.37	$13.65	$10.54	$16.58
Value at end of period	$32.15	$30.71	$29.72	$28.89	$22.21	$21.85	$18.97	$17.37	$13.65	$10.54
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	250	250	250
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.72	$15.83	$15.88	$15.08	$13.00	$11.49	$11.88	$11.07
Value at end of period	$19.22	$16.72	$15.83	$15.88	$15.08	$13.00	$11.49	$11.88
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	196	858
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.17	$17.11	$17.32	$16.37	$13.30	$11.54	$12.21	$11.28
Value at end of period	$21.97	$18.17	$17.11	$17.32	$16.37	$13.30	$11.54	$12.21
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	363
VY® BARON GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2014)
Value at beginning of period	$28.31	$26.90	$28.35	$27.67
Value at end of period	$36.25	$28.31	$26.90	$28.35
Number of accumulation units outstanding at end of period	0	0	39	886
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2014)
Value at beginning of period	$32.00	$27.93	$28.83	$28.16
Value at end of period	$36.35	$32.00	$27.93	$28.83
Number of accumulation units outstanding at end of period	0	0	0	9,529

CFI 6


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2014)
Value at beginning of period	$26.38	$26.08	$23.62	$23.64
Value at end of period	$35.12	$26.38	$26.08	$23.62
Number of accumulation units outstanding at end of period	0	0	0	10,410


TABLE 4
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.15%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$21.77	$20.15	$19.91	$18.38	$15.17	$13.34	$12.91	$11.48	$9.52	$12.23
Value at end of period	$25.01	$21.77	$20.15	$19.91	$18.38	$15.17	$13.34	$12.91	$11.48	$9.52
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	9,383	6,091	2,412
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$21.01	$20.96	$21.23	$21.90	$18.31	$15.43	$17.93	$16.47	$11.89	$18.61
Value at end of period	$27.34	$21.01	$20.96	$21.23	$21.90	$18.31	$15.43	$17.93	$16.47	$11.89
Number of accumulation units outstanding at end of period	0	100	0	0	237	237	3,645	28,770	21,753	20,170
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during November 2010)
Value at beginning of period	$17.18	$15.34	$14.91	$13.76	$10.51	$9.02	$9.23	$8.62
Value at end of period	$21.09	$17.18	$15.34	$14.91	$13.76	$10.51	$9.02	$9.23
Number of accumulation units outstanding at end of period	0	0	0	0	15,788	855	7,534	8,673
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$24.65	$24.33	$23.20	$22.59	$17.90	$14.89	$16.19	$14.44	$10.55	$15.92
Value at end of period	$31.62	$24.65	$24.33	$23.20	$22.59	$17.90	$14.89	$16.19	$14.44	$10.55
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	15,459	14,448	12,195
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$25.54	$23.66	$22.56	$20.74	$15.57	$12.97	$13.70	$12.25	$9.15	$14.07
Value at end of period	$32.06	$25.54	$23.66	$22.56	$20.74	$15.57	$12.97	$13.70	$12.25	$9.15
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	29,243	27,168	23,735
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during November 2010)
Value at beginning of period	$22.03	$20.03	$20.43	$18.95	$16.11	$14.46	$13.77	$13.22
Value at end of period	$24.84	$22.03	$20.03	$20.43	$18.95	$16.11	$14.46	$13.77
Number of accumulation units outstanding at end of period	0	0	0	0	4,791	4,499	4,159	4,235
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during November 2010)
Value at beginning of period	$16.18	$14.10	$14.41	$12.91	$9.86	$8.60	$9.12	$8.44
Value at end of period	$18.88	$16.18	$14.10	$14.41	$12.91	$9.86	$8.60	$9.12
Number of accumulation units outstanding at end of period	0	0	0	0	3,648	3,485	3,285	5,954
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
(Funds were first received in this option during June 2011)
Value at beginning of period	$27.10	$24.17	$25.17	$24.06	$19.27	$17.07	$18.35
Value at end of period	$29.58	$27.10	$24.17	$25.17	$24.06	$19.27	$17.07
Number of accumulation units outstanding at end of period	0	0	0	0	154	100	35

CFI 7


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2014)
Value at beginning of period	$13.13	$12.40	$13.00	$13.31
Value at end of period	$14.33	$13.13	$12.40	$13.00
Number of accumulation units outstanding at end of period	0	4,923	5,253	4,980
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.99	$9.44	$10.04
Value at end of period	$12.34	$9.99	$9.44
Number of accumulation units outstanding at end of period	1,347	1,341	136
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$16.27
Value at end of period	$17.79
Number of accumulation units outstanding at end of period	85
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$30.52	$29.55	$28.73	$22.10	$21.75	$18.89	$17.31	$13.60	$10.51	$15.40
Value at end of period	$31.93	$30.52	$29.55	$28.73	$22.10	$21.75	$18.89	$17.31	$13.60	$10.51
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	8,436	7,255	6,040
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.66	$15.78	$15.84	$15.05	$12.99	$11.48	$11.88	$11.07
Value at end of period	$19.14	$16.66	$15.78	$15.84	$15.05	$12.99	$11.48	$11.88
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	6,456
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.52	$16.54	$16.66	$15.82	$13.18	$11.48	$12.08	$11.22
Value at end of period	$20.86	$17.52	$16.54	$16.66	$15.82	$13.18	$11.48	$12.08
Number of accumulation units outstanding at end of period	0	88	88	88	88	0	0	2,456
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.11	$17.06	$17.28	$16.34	$13.28	$11.53	$12.20	$11.27
Value at end of period	$21.88	$18.11	$17.06	$17.28	$16.34	$13.28	$11.53	$12.20
Number of accumulation units outstanding at end of period	0	19	19	19	19	0	0	14,135
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$14.15	$13.59	$13.63	$12.92	$12.11	$11.07	$11.05	$10.51
Value at end of period	$15.43	$14.15	$13.59	$13.63	$12.92	$12.11	$11.07	$11.05
Number of accumulation units outstanding at end of period	0	4,503	4,591	0	0	0	0	547
VOYA STRATEGIC ALLOCATION GROWTH PORTFOLIO (CLASS I)
(Funds were first received in this option during November 2017)
Value at beginning of period	$21.20
Value at end of period	$21.83
Number of accumulation units outstanding at end of period	200
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$28.12	$26.74	$28.20	$27.07	$19.52	$16.34	$16.01	$12.67	$9.39	$13.74
Value at end of period	$36.00	$28.12	$26.74	$28.20	$27.07	$19.52	$16.34	$16.01	$12.67	$9.39
Number of accumulation units outstanding at end of period	63	320	268	244	970	710	2,747	15,654	11,166	9,999
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2016)
Value at beginning of period	$20.64	$16.33
Value at end of period	$22.86	$20.64
Number of accumulation units outstanding at end of period	0	39

CFI 8


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$23.22	$19.75	$21.03	$19.30	$14.32	$12.08	$12.36	$10.75	$8.38	$12.33
Value at end of period	$27.29	$23.22	$19.75	$21.03	$19.30	$14.32	$12.08	$12.36	$10.75	$8.38
Number of accumulation units outstanding at end of period	5,265	4,882	4,565	5,502	5,020	0	0	13,819	12,954	11,434
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.92	$10.38	$10.64	$10.44
Value at end of period	$13.17	$11.92	$10.38	$10.64
Number of accumulation units outstanding at end of period	10,168	10,448	7,725	7,103
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2010)
Value at beginning of period	$31.79	$27.76	$28.67	$24.97	$19.01	$15.87	$15.61	$14.70
Value at end of period	$36.10	$31.79	$27.76	$28.67	$24.97	$19.01	$15.87	$15.61
Number of accumulation units outstanding at end of period	0	0	0	0	8,195	0	0	683
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during February 2013)
Value at beginning of period	$23.75	$22.15	$21.74	$19.47	$15.44
Value at end of period	$29.60	$23.75	$22.15	$21.74	$19.47
Number of accumulation units outstanding at end of period	2,097	1,921	2,465	2,290	2,077
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2010)
Value at beginning of period	$26.21	$25.93	$23.49	$21.70	$15.65	$13.21	$13.41	$12.85
Value at end of period	$34.88	$26.21	$25.93	$23.49	$21.70	$15.65	$13.21	$13.41
Number of accumulation units outstanding at end of period	1,790	2,172	1,913	2,850	12,404	0	2,464	3,614


TABLE 5
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.20%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
(Funds were first received in this option during November 2014)
Value at beginning of period	$21.63	$20.03	$19.80	$19.47
Value at end of period	$24.84	$21.63	$20.03	$19.80
Number of accumulation units outstanding at end of period	16	16	1,471	1,916
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$19.94	$18.82	$19.34	$18.69	$15.04	$12.69	$13.80	$12.29
Value at end of period	$24.73	$19.94	$18.82	$19.34	$18.69	$15.04	$12.69	$13.80
Number of accumulation units outstanding at end of period	21	21	21	21	21	21	21	36
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
(Funds were first received in this option during February 2009)
Value at beginning of period	$20.88	$20.84	$21.12	$21.79	$18.23	$15.36	$17.87	$16.42	$10.96
Value at end of period	$27.15	$20.88	$20.84	$21.12	$21.79	$18.23	$15.36	$17.87	$16.42
Number of accumulation units outstanding at end of period	141	176	23,589	41,007	10,836	11,568	93	149	8,573

CFI 9


Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012	2011	2010	2009
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during October 2012)
Value at beginning of period	$17.11	$15.29	$14.87	$13.72	$10.49	$10.18
Value at end of period	$20.99	$17.11	$15.29	$14.87	$13.72	$10.49
Number of accumulation units outstanding at end of period	12	24	28	22,238	15,678	12,297
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during November 2014)
Value at beginning of period	$24.50	$24.18	$23.08	$22.81
Value at end of period	$31.40	$24.50	$24.18	$23.08
Number of accumulation units outstanding at end of period	22	22	10,091	12,208
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$25.38	$23.52	$22.44	$20.64	$15.50	$12.92	$13.65	$12.08
Value at end of period	$31.84	$25.38	$23.52	$22.44	$20.64	$15.50	$12.92	$13.65
Number of accumulation units outstanding at end of period	62	70	17,749	39,987	12,386	11,068	0	16
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$21.89	$19.91	$20.32	$18.85	$16.04	$14.40	$13.72	$12.19
Value at end of period	$24.67	$21.89	$19.91	$20.32	$18.85	$16.04	$14.40	$13.72
Number of accumulation units outstanding at end of period	10	10	15,672	13,460	0	0	0	0
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during February 2010)
Value at beginning of period	$22.43	$20.57	$20.89	$18.91	$14.69	$12.74	$13.40	$12.14
Value at end of period	$25.63	$22.43	$20.57	$20.89	$18.91	$14.69	$12.74	$13.40
Number of accumulation units outstanding at end of period	35	35	35	35	35	35	35	35
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
(Funds were first received in this option during October 2012)
Value at beginning of period	$26.93	$24.03	$25.03	$23.94	$19.19	$18.78
Value at end of period	$29.37	$26.93	$24.03	$25.03	$23.94	$19.19
Number of accumulation units outstanding at end of period	3	3	3	6,500	5,816	7,031
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.98	$9.43	$10.04
Value at end of period	$12.32	$9.98	$9.43
Number of accumulation units outstanding at end of period	73	74	359
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.43	$15.43	$15.71	$14.92	$12.79	$11.36	$11.58	$10.95
Value at end of period	$18.76	$16.43	$15.43	$15.71	$14.92	$12.79	$11.36	$11.58
Number of accumulation units outstanding at end of period	76	76	76	76	76	76	76	162
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.61	$16.39	$16.72	$15.84	$13.04	$11.36	$11.78	$11.09
Value at end of period	$20.76	$17.61	$16.39	$16.72	$15.84	$13.04	$11.36	$11.78
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	712
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.20	$16.90	$17.28	$16.34	$13.22	$11.45	$11.99	$11.24
Value at end of period	$21.79	$18.20	$16.90	$17.28	$16.34	$13.22	$11.45	$11.99
Number of accumulation units outstanding at end of period	274	274	274	274	274	274	496	496

CFI 10


	Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012	2011	2010	2009
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2015)
Value at beginning of period	$13.98	$13.37	$13.66
Value at end of period	$15.19	$13.98	$13.37
Number of accumulation units outstanding at end of period	0	0	0
VOYA INTERMEDIATE BOND FUND (CLASS A)
(Funds were first received in this option during February 2009)
Value at beginning of period	$16.31	$15.75	$15.73	$14.80	$14.95	$13.76	$12.79	$11.69	$10.28
Value at end of period	$17.01	$16.31	$15.75	$15.73	$14.80	$14.95	$13.76	$12.79	$11.69
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	9,115
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.74	$19.08	$18.02	$16.90
Value at end of period	$25.50	$19.74	$19.08	$18.02
Number of accumulation units outstanding at end of period	163	138	103	17,164
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$16.23
Value at end of period	$17.75
Number of accumulation units outstanding at end of period	112
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
(Funds were first received in this option during February 2009)
Value at beginning of period	$22.23	$22.44	$20.82	$22.22	$17.33	$14.45	$17.58	$14.14	$8.91
Value at end of period	$29.93	$22.23	$22.44	$20.82	$22.22	$17.33	$14.45	$17.58	$14.14
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	3,758
VOYA REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during November 2014)
Value at beginning of period	$30.32	$29.37	$28.57	$27.61
Value at end of period	$31.71	$30.32	$29.37	$28.57
Number of accumulation units outstanding at end of period	3	3	5,321	6,679
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2012)
Value at beginning of period	$32.77	$26.37	$26.64	$25.05	$18.22	$17.49
Value at end of period	$36.39	$32.77	$26.37	$26.64	$25.05	$18.22
Number of accumulation units outstanding at end of period	2	38	38	5,360	3,264	2,726
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$16.60	$15.73	$15.80	$15.02	$12.97	$12.66
Value at end of period	$19.07	$16.60	$15.73	$15.80	$15.02	$12.97
Number of accumulation units outstanding at end of period	30	59	959	9,256	7,586	6,509
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$17.46	$16.49	$16.62	$15.79	$13.17	$12.80
Value at end of period	$20.78	$17.46	$16.49	$16.62	$15.79	$13.17
Number of accumulation units outstanding at end of period	494	4	2,294	19,926	16,438	14,384
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$18.05	$17.01	$17.23	$16.31	$13.26	$12.85
Value at end of period	$21.80	$18.05	$17.01	$17.23	$16.31	$13.26
Number of accumulation units outstanding at end of period	472	0	885	2,841	1,273	838

CFI 11


Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012	2011	2010	2009
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$17.22	$16.24	$16.44	$15.53	$12.61	$12.23
Value at end of period	$20.89	$17.22	$16.24	$16.44	$15.53	$12.61
Number of accumulation units outstanding at end of period	46	1	251	2,612	901	302
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$14.10	$13.55	$13.59	$12.90	$12.09	$11.98
Value at end of period	$15.37	$14.10	$13.55	$13.59	$12.90	$12.09
Number of accumulation units outstanding at end of period	3	267	16,890	24,466	3,144	2,377
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO (CLASS
S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$34.25	$27.67	$28.21	$25.13	$19.17	$16.51	$17.08	$14.25
Value at end of period	$37.99	$34.25	$27.67	$28.21	$25.13	$19.17	$16.51	$17.08
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0
VY® BARON GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$27.94	$26.58	$28.05	$26.93	$19.44	$16.27	$15.95	$12.64	$8.75
Value at end of period	$35.75	$27.94	$26.58	$28.05	$26.93	$19.44	$16.27	$15.95	$12.64
Number of accumulation units outstanding at end of period	0	0	2,046	1,711	0	0	0	0	445
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$20.49	$18.94	$18.43	$16.37	$12.17	$10.86	$11.42	$10.21	$7.12
Value at end of period	$24.86	$20.49	$18.94	$18.43	$16.37	$12.17	$10.86	$11.42	$10.21
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	13,739
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$26.05	$25.78	$23.36	$21.59	$15.58	$13.16	$13.36	$11.48	$8.11
Value at end of period	$34.64	$26.05	$25.78	$23.36	$21.59	$15.58	$13.16	$13.36	$11.48
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	4,311


		TABLE 6
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.25%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009

AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during September 2009)
Value at beginning of period	$17.03	$15.23	$14.82	$13.68	$10.46	$8.98	$9.21	$8.12	$7.47
Value at end of period	$20.89	$17.03	$15.23	$14.82	$13.68	$10.46	$8.98	$9.21	$8.12
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	12,234	9,132	19,526
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during September 2009)
Value at beginning of period	$16.04	$13.99	$14.31	$12.83	$9.81	$8.57	$9.09	$7.85	$7.25
Value at end of period	$18.70	$16.04	$13.99	$14.31	$12.83	$9.81	$8.57	$9.09	$7.85
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	20,138

CFI 12


Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012	2011	2010	2009

EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during March 2012)
Value at beginning of period	$22.35	$20.50	$20.83	$18.87	$14.66	$13.74
Value at end of period	$25.52	$22.35	$20.50	$20.83	$18.87	$14.66
Number of accumulation units outstanding at end of period	0	0	0	0	2,609	2,851
FIDELITY® VIP CONTRAFUND® PORTFOLIO (INITIAL CLASS)
(Funds were first received in this option during November 2017)
Value at beginning of period	$31.90
Value at end of period	$32.63
Number of accumulation units outstanding at end of period	2,344
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
(Funds were first received in this option during October 2009)
Value at beginning of period	$26.75	$23.88	$24.90	$23.82	$19.10	$16.93	$17.53	$15.86	$15.56
Value at end of period	$29.17	$26.75	$23.88	$24.90	$23.82	$19.10	$16.93	$17.53	$15.86
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	6,364	5,474	4,752
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2011)
Value at beginning of period	$13.00	$12.29	$12.91	$12.92	$13.53	$12.60	$12.43
Value at end of period	$14.18	$13.00	$12.29	$12.91	$12.92	$13.53	$12.60
Number of accumulation units outstanding at end of period	3,258	0	7,399	6,711	5,794	5,359	5,187
VOYA GOVERNMENT MONEY MARKET PORTFOLIO (CLASS I)
(Funds were first received in this option during November 2017)
Value at beginning of period	$10.76
Value at end of period	$10.77
Number of accumulation units outstanding at end of period	169
VOYA HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2017)
Value at beginning of period	$20.93
Value at end of period	$21.13
Number of accumulation units outstanding at end of period	1,747
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2016)
Value at beginning of period	$19.68	$19.76
Value at end of period	$25.41	$19.68
Number of accumulation units outstanding at end of period	1,524	369
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.55	$15.69	$15.76	$14.99	$12.95	$11.45	$11.87	$11.06
Value at end of period	$18.99	$16.55	$15.69	$15.76	$14.99	$12.95	$11.45	$11.87
Number of accumulation units outstanding at end of period	0	0	0	455	142	65	7,411	5,774
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.40	$16.44	$16.58	$15.76	$13.15	$11.46	$12.07	$11.22
Value at end of period	$20.70	$17.40	$16.44	$16.58	$15.76	$13.15	$11.46	$12.07
Number of accumulation units outstanding at end of period	617	345	113	0	2,164	1,620	13,415	10,986
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.98	$16.96	$17.19	$16.28	$13.24	$11.50	$12.19	$11.27
Value at end of period	$21.71	$17.98	$16.96	$17.19	$16.28	$13.24	$11.50	$12.19
Number of accumulation units outstanding at end of period	1,078	2,608	3,055	2,219	2,521	1,524	1,027	699

CFI 13


Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012	2011	2010	2009

VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2011)
Value at beginning of period	$17.16	$16.20	$16.41	$15.50	$12.59	$10.95	$11.45
Value at end of period	$20.81	$17.16	$16.20	$16.41	$15.50	$12.59	$10.95
Number of accumulation units outstanding at end of period	2,778	2,541	1,553	745	218	15	48
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$14.05	$13.51	$13.56	$12.87	$12.08	$11.04	$11.04	$10.51
Value at end of period	$15.31	$14.05	$13.51	$13.56	$12.87	$12.08	$11.04	$11.04
Number of accumulation units outstanding at end of period	2,972	0	0	0	21,874	21,202	23,282	35,516
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during September 2009)
Value at beginning of period	$34.03	$27.50	$28.06	$25.01	$19.09	$16.44	$17.02	$13.99	$12.70
Value at end of period	$37.72	$34.03	$27.50	$28.06	$25.01	$19.09	$16.44	$17.02	$13.99
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	1,546
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$22.06
Value at end of period	$22.60
Number of accumulation units outstanding at end of period	115
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2014)
Value at beginning of period	$31.38	$27.43	$28.36	$26.00
Value at end of period	$35.60	$31.38	$27.43	$28.36
Number of accumulation units outstanding at end of period	0	0	0	454
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2013)
Value at beginning of period	$21.34	$18.78	$19.78	$19.81	$18.85
Value at end of period	$22.82	$21.34	$18.78	$19.78	$19.81
Number of accumulation units outstanding at end of period	0	894	1,354	2,217	1,993
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during September 2016)
Value at beginning of period	$26.17	$26.27
Value at end of period	$32.48	$26.17
Number of accumulation units outstanding at end of period	2,919	2,239
VY® T. ROWE PRICE EQUITY INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$25.51
Value at end of period	$26.36
Number of accumulation units outstanding at end of period	416
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2011)
Value at beginning of period	$25.88	$25.62	$23.24	$21.49	$15.51	$13.11	$12.10
Value at end of period	$34.40	$25.88	$25.62	$23.24	$21.49	$15.51	$13.11
Number of accumulation units outstanding at end of period	13,970	13,403	15,261	15,966	14,977	13,622	10,469

CFI 14


Condensed Financial Information (continued)




		TABLE 7
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.30%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012

AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during March 2012)
Value at beginning of period	$19.78	$18.69	$19.23	$18.60	$14.99	$13.56
Value at end of period	$24.52	$19.78	$18.69	$19.23	$18.60	$14.99
Number of accumulation units outstanding at end of period	7,267	7,679	7,568	7,366	6,565	7,150
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
(Funds were first received in this option during March 2012)
Value at beginning of period	$20.61	$20.59	$20.89	$21.58	$18.07	$16.52
Value at end of period	$26.78	$20.61	$20.59	$20.89	$21.58	$18.07
Number of accumulation units outstanding at end of period	5,317	20,068	5,921	7,270	4,589	4,431
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during February 2014)
Value at beginning of period	$24.18	$23.90	$22.83	$22.23
Value at end of period	$30.97	$24.18	$23.90	$22.83
Number of accumulation units outstanding at end of period	0	0	418	1,073
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during March 2012)
Value at beginning of period	$25.05	$23.24	$22.19	$20.43	$15.36	$14.00
Value at end of period	$31.40	$25.05	$23.24	$22.19	$20.43	$15.36
Number of accumulation units outstanding at end of period	15,050	36,039	19,513	20,586	17,067	15,986
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
(Funds were first received in this option during March 2012)
Value at beginning of period	$21.60	$19.67	$20.10	$18.67	$15.90	$14.70
Value at end of period	$24.33	$21.60	$19.67	$20.10	$18.67	$15.90
Number of accumulation units outstanding at end of period	4,569	4,962	5,152	5,255	7,173	6,731
TEMPLETON FOREIGN FUND (CLASS A)
(Funds were first received in this option during June 2017)
Value at beginning of period	$19.86
Value at end of period	$20.89
Number of accumulation units outstanding at end of period	89
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.32	$15.34	$15.64	$14.95
Value at end of period	$18.61	$16.32	$15.34	$15.64
Number of accumulation units outstanding at end of period	3,052	0	0	30,822
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$18.07	$16.80	$17.19	$16.27
Value at end of period	$21.61	$18.07	$16.80	$17.19
Number of accumulation units outstanding at end of period	0	0	0	315
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2014)
Value at beginning of period	$17.44	$16.24	$16.63	$15.93
Value at end of period	$20.95	$17.44	$16.24	$16.63
Number of accumulation units outstanding at end of period	0	0	0	298

CFI 15


	Condensed Financial Information (continued)



	2017	2016	2015	2014	2013	2012

VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2014)
Value at beginning of period	$13.89	$13.29	$13.50	$13.15
Value at end of period	$15.07	$13.89	$13.29	$13.50
Number of accumulation units outstanding at end of period	0	0	0	91
VOYA INTERMEDIATE BOND FUND (CLASS A)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.10	$15.56	$15.56	$14.91
Value at end of period	$16.77	$16.10	$15.56	$15.56
Number of accumulation units outstanding at end of period	0	0	684	648
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2014)
Value at beginning of period	$32.35	$26.06	$26.35	$24.50
Value at end of period	$35.89	$32.35	$26.06	$26.35
Number of accumulation units outstanding at end of period	0	0	220	2,826
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.49	$15.64	$15.72	$15.03
Value at end of period	$18.92	$16.49	$15.64	$15.72
Number of accumulation units outstanding at end of period	0	3,688	8,625	7,914
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$17.34	$16.39	$16.54	$15.72
Value at end of period	$20.62	$17.34	$16.39	$16.54
Number of accumulation units outstanding at end of period	0	17,026	2,305	3,102
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2012)
Value at beginning of period	$17.92	$16.91	$17.15	$16.25	$13.22	$11.89
Value at end of period	$21.62	$17.92	$16.91	$17.15	$16.25	$13.22
Number of accumulation units outstanding at end of period	0	85,046	1,306	1,276	0	28
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2012)
Value at beginning of period	$14.00	$13.47	$13.53	$12.85	$12.06	$11.44
Value at end of period	$15.25	$14.00	$13.47	$13.53	$12.85	$12.06
Number of accumulation units outstanding at end of period	2,803	7,513	4,983	1,487	1,653	2,308
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during September 2013)
Value at beginning of period	$33.81	$27.34	$27.91	$24.89	$22.75
Value at end of period	$37.46	$33.81	$27.34	$27.91	$24.89
Number of accumulation units outstanding at end of period	2,802	10,994	3,298	1,780	500
VY® BARON GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2014)
Value at beginning of period	$27.58	$26.27	$27.74	$26.52
Value at end of period	$35.26	$27.58	$26.27	$27.74
Number of accumulation units outstanding at end of period	0	1,656	65	1,528
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2013)
Value at beginning of period	$31.18	$27.27	$28.21	$24.60	$20.16
Value at end of period	$35.36	$31.18	$27.27	$28.21	$24.60
Number of accumulation units outstanding at end of period	1,390	1,536	1,890	3,674	1,799

CFI 16


Condensed Financial Information (continued)





TABLE 8
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.35%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$21.22	$19.67	$19.48	$18.02	$14.90	$13.14	$12.74	$11.35	$9.43	$12.78
Value at end of period	$24.33	$21.22	$19.67	$19.48	$18.02	$14.90	$13.14	$12.74	$11.35	$9.43
Number of accumulation units outstanding at end of period	32,585	36,759	74,238	71,569	68,654	35,310	44,233	5,760	10,010	10,047
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during May 2012)
Value at beginning of period	$19.71	$18.63	$19.17	$18.56	$14.96	$13.50
Value at end of period	$24.41	$19.71	$18.63	$19.17	$18.56	$14.96
Number of accumulation units outstanding at end of period	6	11,392	3,192	2,454	0	1
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$20.48	$20.47	$20.77	$21.47	$17.99	$15.18	$17.69	$16.27	$11.77	$19.93
Value at end of period	$26.59	$20.48	$20.47	$20.77	$21.47	$17.99	$15.18	$17.69	$16.27	$11.77
Number of accumulation units outstanding at end of period	28,284	49,016	59,206	71,182	84,165	132,244	106,249	106,406	102,805	86,788
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during October 2010)
Value at beginning of period	$16.89	$15.11	$14.72	$13.61	$10.41	$8.95	$9.18	$8.62
Value at end of period	$20.69	$16.89	$15.11	$14.72	$13.61	$10.41	$8.95	$9.18
Number of accumulation units outstanding at end of period	9	37,145	35,612	35,739	6	4,181	5,675	115
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$24.03	$23.75	$22.70	$22.15	$17.58	$14.65	$15.97	$14.27	$10.44	$16.92
Value at end of period	$30.76	$24.03	$23.75	$22.70	$22.15	$17.58	$14.65	$15.97	$14.27	$10.44
Number of accumulation units outstanding at end of period	17,870	16,585	15,622	15,840	16,615	26,532	24,827	13,126	11,366	8,715
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$24.89	$23.10	$22.07	$20.33	$15.29	$12.77	$13.51	$12.11	$9.06	$14.96
Value at end of period	$31.18	$24.89	$23.10	$22.07	$20.33	$15.29	$12.77	$13.51	$12.11	$9.06
Number of accumulation units outstanding at end of period	54,479	83,372	81,754	130,193	148,489	137,682	118,453	123,927	121,108	46,399
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$21.47	$19.55	$19.99	$18.57	$15.83	$14.23	$13.58	$12.21	$9.88	$14.00
Value at end of period	$24.16	$21.47	$19.55	$19.99	$18.57	$15.83	$14.23	$13.58	$12.21	$9.88
Number of accumulation units outstanding at end of period	2,728	6,506	2,638	0	0	0	0	0	2,242	2,080
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
Value at beginning of period	$22.70	$20.16	$20.33	$18.41	$14.05	$12.58	$11.84	$10.51	$8.90	$13.39
Value at end of period	$27.08	$22.70	$20.16	$20.33	$18.41	$14.05	$12.58	$11.84	$10.51	$8.90
Number of accumulation units outstanding at end of period	35,264	37,163	30,888	73,777	99,401	97,018	68,259	1,599	5,604	5,313
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during February 2014)
Value at beginning of period	$15.90	$13.89	$14.22	$12.57
Value at end of period	$18.52	$15.90	$13.89	$14.22
Number of accumulation units outstanding at end of period	0	6,839	7,140	6,388
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$26.41	$23.60	$24.63	$23.59	$18.93	$16.80	$17.41	$15.76	$13.10	$18.00
Value at end of period	$28.77	$26.41	$23.60	$24.63	$23.59	$18.93	$16.80	$17.41	$15.76	$13.10
Number of accumulation units outstanding at end of period	3,983	4,152	2,423	15,578	23,725	23,664	14,695	63,138	53,941	25,073

CFI 17


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$30.54	$24.77	$25.87	$23.58	$18.08	$15.25	$16.16	$13.99	$9.62	$14.82
Value at end of period	$33.80	$30.54	$24.77	$25.87	$23.58	$18.08	$15.25	$16.16	$13.99	$9.62
Number of accumulation units outstanding at end of period	10,651	12,400	12,761	13,138	13,020	15,979	15,725	80	5,820	7,115
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$12.88	$12.19	$12.81	$12.83	$13.45	$12.54	$12.16	$10.56	$8.23
Value at end of period	$14.03	$12.88	$12.19	$12.81	$12.83	$13.45	$12.54	$12.16	$10.56
Number of accumulation units outstanding at end of period	7,947	9,429	0	0	0	0	73	20,948	18,471
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during April 2015)
Value at beginning of period	$9.95	$9.42	$10.43
Value at end of period	$12.27	$9.95	$9.42
Number of accumulation units outstanding at end of period	345	346	341
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2014)
Value at beginning of period	$21.45	$21.50	$22.00	$19.67
Value at end of period	$23.54	$21.45	$21.50	$22.00
Number of accumulation units outstanding at end of period	0	5,194	4,827	4,281
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$15.49	$15.30	$15.11	$14.45	$14.77	$14.41	$13.46	$12.72	$12.16	$11.64
Value at end of period	$15.67	$15.49	$15.30	$15.11	$14.45	$14.77	$14.41	$13.46	$12.72	$12.16
Number of accumulation units outstanding at end of period	17,410	22,429	22,516	21,957	19,363	17,654	16,294	31,662	30,914	1,215
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2011)
Value at beginning of period	$16.26	$15.29	$15.60	$14.83	$12.74	$11.32	$12.07
Value at end of period	$18.54	$16.26	$15.29	$15.60	$14.83	$12.74	$11.32
Number of accumulation units outstanding at end of period	58,860	99,631	7,131	5,778	0	4,617	2,076
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during July 2011)
Value at beginning of period	$17.43	$16.25	$16.60	$15.75	$12.98	$11.32	$12.19
Value at end of period	$20.52	$17.43	$16.25	$16.60	$15.75	$12.98	$11.32
Number of accumulation units outstanding at end of period	25,842	61,986	110	21	384	445	46
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$18.01	$16.75	$17.15	$16.25	$13.16	$12.97
Value at end of period	$21.53	$18.01	$16.75	$17.15	$16.25	$13.16
Number of accumulation units outstanding at end of period	29,487	69,458	795	155	0	226
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2012)
Value at beginning of period	$17.38	$16.19	$16.59	$15.68	$12.70	$12.08
Value at end of period	$20.87	$17.38	$16.19	$16.59	$15.68	$12.70
Number of accumulation units outstanding at end of period	6,267	5,421	653	0	0	386
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$13.84	$13.25	$13.47	$12.82
Value at end of period	$15.02	$13.84	$13.25	$13.47
Number of accumulation units outstanding at end of period	21,953	27,279	3,433	31
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$16.00	$15.47	$15.48	$14.59	$14.75	$13.59	$12.66	$11.58	$10.31	$11.49
Value at end of period	$16.66	$16.00	$15.47	$15.48	$14.59	$14.75	$13.59	$12.66	$11.58	$10.31
Number of accumulation units outstanding at end of period	1,171	1,402	210	232	247	44,677	53,647	58,127	64,876	77,248

CFI 18


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$19.56	$18.93	$17.90	$15.85	$12.18	$10.37	$10.80
Value at end of period	$25.23	$19.56	$18.93	$17.90	$15.85	$12.18	$10.37
Number of accumulation units outstanding at end of period	1,324	1,689	3,649	1,038	764	763	764
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$21.80	$22.04	$20.48	$21.90	$17.10	$14.27	$17.40	$14.02	$9.67	$20.14
Value at end of period	$29.31	$21.80	$22.04	$20.48	$21.90	$17.10	$14.27	$17.40	$14.02	$9.67
Number of accumulation units outstanding at end of period	336	396	396	396	3,491	4,897	1,367	22,038	17,676	13,876
VOYA REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during March 2011)
Value at beginning of period	$29.74	$28.85	$28.11	$21.67	$21.37	$18.60	$18.10
Value at end of period	$31.05	$29.74	$28.85	$28.11	$21.67	$21.37	$18.60
Number of accumulation units outstanding at end of period	152	251	644	3,051	3,119	2,677	2,681
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2009)
Value at beginning of period	$27.83	$26.27	$24.55	$21.85	$16.65	$14.63	$14.12	$12.60	$10.72
Value at end of period	$36.31	$27.83	$26.27	$24.55	$21.85	$16.65	$14.63	$14.12	$12.60
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	64	5,992	3,538
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$32.14	$25.91	$26.20	$24.68	$17.98	$15.76	$16.21	$13.08	$10.29	$13.94
Value at end of period	$35.64	$32.14	$25.91	$26.20	$24.68	$17.98	$15.76	$16.21	$13.08	$10.29
Number of accumulation units outstanding at end of period	1,026	1,098	56	56	0	976	2,258	0	0	903
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.43	$15.59	$15.68	$14.93	$12.91	$11.43	$11.86	$11.06
Value at end of period	$18.84	$16.43	$15.59	$15.68	$14.93	$12.91	$11.43	$11.86
Number of accumulation units outstanding at end of period	65,050	50,958	33,926	33,307	26,749	190,376	160,899	150,171
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.28	$16.34	$16.50	$15.70	$13.11	$11.44	$12.06	$11.22
Value at end of period	$20.54	$17.28	$16.34	$16.50	$15.70	$13.11	$11.44	$12.06
Number of accumulation units outstanding at end of period	41,650	84,113	69,304	39,042	34,630	306,173	284,472	254,887
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.86	$16.86	$17.11	$16.21	$13.20	$11.48	$12.18	$11.27
Value at end of period	$21.54	$17.86	$16.86	$17.11	$16.21	$13.20	$11.48	$12.18
Number of accumulation units outstanding at end of period	29,877	50,590	120,615	91,940	89,021	305,214	205,693	245,997
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2010)
Value at beginning of period	$17.05	$16.10	$16.33	$15.44	$12.56	$10.93	$11.58	$10.82
Value at end of period	$20.65	$17.05	$16.10	$16.33	$15.44	$12.56	$10.93	$11.58
Number of accumulation units outstanding at end of period	6,953	6,645	14,170	8,272	4,994	7,191	2,009	2,962
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.96	$13.43	$13.49	$12.82	$12.04	$11.02	$11.03	$10.51
Value at end of period	$15.19	$13.96	$13.43	$13.49	$12.82	$12.04	$11.02	$11.03
Number of accumulation units outstanding at end of period	24,525	25,152	26,371	1,659	1,413	35,636	35,820	188,826
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during May 2012)
Value at beginning of period	$33.60	$27.18	$27.75	$24.76	$18.92	$17.81
Value at end of period	$37.20	$33.60	$27.18	$27.75	$24.76	$18.92
Number of accumulation units outstanding at end of period	89	2,466	0	0	5,165	15,928

CFI 19


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$27.41	$26.11	$27.59	$26.54	$19.18	$16.08	$15.79	$12.52	$9.30	$15.88
Value at end of period	$35.02	$27.41	$26.11	$27.59	$26.54	$19.18	$16.08	$15.79	$12.52	$9.30
Number of accumulation units outstanding at end of period	9,384	16,155	25,612	31,201	40,430	58,789	26,236	41,703	43,059	24,878
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$20.10	$18.60	$18.13	$16.13	$12.01	$10.73	$11.30	$10.12	$7.72	$12.74
Value at end of period	$24.35	$20.10	$18.60	$18.13	$16.13	$12.01	$10.73	$11.30	$10.12	$7.72
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	35,942	39,478	40,665	41,808
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$20.21	$16.39	$16.95	$16.30	$11.69	$10.27	$10.59	$8.48	$6.83	$9.53
Value at end of period	$22.33	$20.21	$16.39	$16.95	$16.30	$11.69	$10.27	$10.59	$8.48	$6.83
Number of accumulation units outstanding at end of period	0	0	0	0	5,944	0	0	0	0	2,536
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$22.63	$19.28	$20.58	$18.92	$14.06	$11.90	$12.19	$10.63	$8.30	$12.40
Value at end of period	$26.54	$22.63	$19.28	$20.58	$18.92	$14.06	$11.90	$12.19	$10.63	$8.30
Number of accumulation units outstanding at end of period	0	781	9,344	7,679	7,568	44,041	4,054	0	0	4,684
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.86	$10.35	$10.63	$10.44
Value at end of period	$13.07	$11.86	$10.35	$10.63
Number of accumulation units outstanding at end of period	1,457	1,058	0	101,991
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$30.98	$27.11	$28.05	$24.48	$18.68	$15.62	$15.39	$12.56	$10.03	$15.04
Value at end of period	$35.11	$30.98	$27.11	$28.05	$24.48	$18.68	$15.62	$15.39	$12.56	$10.03
Number of accumulation units outstanding at end of period	80	5,606	7,333	9,370	25,283	25,737	2,497	2,801	4,183	3,746
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2009)
Value at beginning of period	$21.12	$18.60	$19.61	$19.66	$17.60	$15.25	$15.45	$13.06	$7.72
Value at end of period	$22.56	$21.12	$18.60	$19.61	$19.66	$17.60	$15.25	$15.45	$13.06
Number of accumulation units outstanding at end of period	5,217	21,421	0	0	0	0	61	1,638	429
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$23.23	$21.71	$21.35	$19.16	$14.22	$12.29	$12.81	$10.00	$6.86	$12.10
Value at end of period	$28.90	$23.23	$21.71	$21.35	$19.16	$14.22	$12.29	$12.81	$10.00	$6.86
Number of accumulation units outstanding at end of period	906	809	1,253	1,180	1,100	2,853	1,312	841	1,354	928
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
Value at beginning of period	$25.83	$24.18	$23.86	$21.44	$15.97	$13.83	$14.44	$11.31	$7.77	$13.75
Value at end of period	$32.04	$25.83	$24.18	$23.86	$21.44	$15.97	$13.83	$14.44	$11.31	$7.77
Number of accumulation units outstanding at end of period	7,782	7,210	88	87	1,352	1,351	1,351	1,351	1,352	1,352
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$25.55	$25.32	$22.99	$21.28	$15.37	$13.00	$13.22	$11.38	$8.01	$12.52
Value at end of period	$33.92	$25.55	$25.32	$22.99	$21.28	$15.37	$13.00	$13.22	$11.38	$8.01
Number of accumulation units outstanding at end of period	13,894	14,118	2,492	2,728	2,639	3,667	3,630	0	0	2,222
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2016)
Value at beginning of period	$12.13	$10.99
Value at end of period	$14.74	$12.13
Number of accumulation units outstanding at end of period	1,342	1,259

CFI 20


Condensed Financial Information (continued)





TABLE 9
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.40%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$21.08	$19.55	$19.37	$17.93	$14.83	$13.08	$12.69	$11.31	$9.41	$12.75
Value at end of period	$24.16	$21.08	$19.55	$19.37	$17.93	$14.83	$13.08	$12.69	$11.31	$9.41
Number of accumulation units outstanding at end of period	9,194	7,976	44,906	147,404	149,662	165,853	147,369	78,895	68,948	24,622
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during August 2013)
Value at beginning of period	$19.63	$18.57	$19.12	$18.52	$16.83
Value at end of period	$24.31	$19.63	$18.57	$19.12	$18.52
Number of accumulation units outstanding at end of period	0	0	8,458	6,449	6,163
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$20.34	$20.35	$20.66	$21.37	$17.91	$15.12	$17.63	$16.22	$11.74	$19.89
Value at end of period	$26.41	$20.34	$20.35	$20.66	$21.37	$17.91	$15.12	$17.63	$16.22	$11.74
Number of accumulation units outstanding at end of period	32,957	50,436	64,144	57,815	53,725	57,591	87,967	103,113	61,042	54,287
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
Value at beginning of period	$16.81	$15.05	$14.67	$13.57	$10.39	$8.93	$9.17	$8.10	$6.12	$5.92
Value at end of period	$20.59	$16.81	$15.05	$14.67	$13.57	$10.39	$8.93	$9.17	$8.10	$6.12
Number of accumulation units outstanding at end of period	1,915	0	4,640	2,968	2,082	0	0	5,447	9,987	1,879
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$23.87	$23.61	$22.58	$22.04	$17.50	$14.60	$15.92	$14.22	$10.42	$16.89
Value at end of period	$30.54	$23.87	$23.61	$22.58	$22.04	$17.50	$14.60	$15.92	$14.22	$10.42
Number of accumulation units outstanding at end of period	8,392	13,623	14,753	17,478	11,081	6,276	4,734	6,685	4,448	8,843
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$24.73	$22.97	$21.95	$20.23	$15.22	$12.72	$13.46	$12.07	$9.04	$14.93
Value at end of period	$30.97	$24.73	$22.97	$21.95	$20.23	$15.22	$12.72	$13.46	$12.07	$9.04
Number of accumulation units outstanding at end of period	56,813	55,284	108,264	126,005	107,209	80,514	128,799	155,544	104,347	108,075
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$21.33	$19.44	$19.88	$18.48	$15.76	$14.18	$13.53	$12.17	$9.85	$13.97
Value at end of period	$23.99	$21.33	$19.44	$19.88	$18.48	$15.76	$14.18	$13.53	$12.17	$9.85
Number of accumulation units outstanding at end of period	5,294	7,648	11,220	32,435	28,180	19,058	21,511	0	3,851	3,600
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
Value at beginning of period	$22.55	$20.04	$20.22	$18.32	$13.99	$12.53	$11.80	$10.48	$8.87	$13.36
Value at end of period	$26.90	$22.55	$20.04	$20.22	$18.32	$13.99	$12.53	$11.80	$10.48	$8.87
Number of accumulation units outstanding at end of period	13,912	16,515	34,979	61,302	49,405	35,726	57,285	65,435	45,167	43,421
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during May 2009)
Value at beginning of period	$15.83	$13.83	$14.17	$12.73	$9.74	$8.52	$9.06	$7.83	$6.18
Value at end of period	$18.43	$15.83	$13.83	$14.17	$12.73	$9.74	$8.52	$9.06	$7.83
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	1,559
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$26.24	$23.46	$24.49	$23.47	$18.85	$16.73	$17.35	$15.72	$13.07	$17.96
Value at end of period	$28.57	$26.24	$23.46	$24.49	$23.47	$18.85	$16.73	$17.35	$15.72	$13.07
Number of accumulation units outstanding at end of period	4,628	10,249	10,160	12,454	13,372	9,243	17,810	17,670	14,300	21,454

CFI 21


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
LORD ABBETT SMALL CAP VALUE FUND (CLASS A)
(Funds were first received in this option during May 2017)
Value at beginning of period	$31.51
Value at end of period	$33.90
Number of accumulation units outstanding at end of period	494
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$30.34	$24.62	$25.73	$23.47	$18.00	$15.19	$16.10	$13.95	$9.59	$13.91
Value at end of period	$33.57	$30.34	$24.62	$25.73	$23.47	$18.00	$15.19	$16.10	$13.95	$9.59
Number of accumulation units outstanding at end of period	890	2,834	0	0	13	21	24	3,091	16,976	5,053
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.81	$12.14	$12.76	$12.79	$13.41	$12.51	$12.14	$10.55	$8.73	$10.64
Value at end of period	$13.95	$12.81	$12.14	$12.76	$12.79	$13.41	$12.51	$12.14	$10.55	$8.73
Number of accumulation units outstanding at end of period	15	14,297	20,180	22,159	23,050	40,844	0	0	3,016	2,857
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.94	$9.41	$10.03
Value at end of period	$12.25	$9.94	$9.41
Number of accumulation units outstanding at end of period	0	825	14,901
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$15.39	$15.20	$15.03	$14.38	$14.71	$14.35	$13.41	$12.68	$12.13	$11.39
Value at end of period	$15.56	$15.39	$15.20	$15.03	$14.38	$14.71	$14.35	$13.41	$12.68	$12.13
Number of accumulation units outstanding at end of period	0	0	22,037	19,889	23,884	32,411	32,335	21,389	76,545	5,789
VOYA GOVERNMENT MONEY MARKET PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$10.55
Value at end of period	$10.54
Number of accumulation units outstanding at end of period	4,470
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2013)
Value at beginning of period	$16.21	$15.25	$15.56	$14.81	$13.93
Value at end of period	$18.47	$16.21	$15.25	$15.56	$14.81
Number of accumulation units outstanding at end of period	35,407	33,312	57,480	51,128	46,162
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2013)
Value at beginning of period	$17.37	$16.20	$16.56	$15.72	$14.60
Value at end of period	$20.44	$17.37	$16.20	$16.56	$15.72
Number of accumulation units outstanding at end of period	0	0	41,658	39,557	39,197
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2013)
Value at beginning of period	$17.95	$16.70	$17.11	$16.21	$14.94
Value at end of period	$21.44	$17.95	$16.70	$17.11	$16.21
Number of accumulation units outstanding at end of period	534	468	44,798	32,927	28,270
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2013)
Value at beginning of period	$17.33	$16.15	$16.55	$15.66	$14.42
Value at end of period	$20.79	$17.33	$16.15	$16.55	$15.66
Number of accumulation units outstanding at end of period	2,408	1,596	412	1,448	1,055
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2013)
Value at beginning of period	$13.79	$13.21	$13.43	$12.75	$12.33
Value at end of period	$14.96	$13.79	$13.21	$13.43	$12.75
Number of accumulation units outstanding at end of period	1,901	1,883	12,406	3,502	3,241

CFI 22


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$15.90	$15.38	$15.39	$14.51	$14.68	$13.54	$12.62	$11.55	$10.28	$11.70
Value at end of period	$16.54	$15.90	$15.38	$15.39	$14.51	$14.68	$13.54	$12.62	$11.55	$10.28
Number of accumulation units outstanding at end of period	8,040	6,753	8,772	23,902	20,862	22,188	20,287	15,848	28,459	17,556
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.50	$18.88	$17.87	$16.77
Value at end of period	$25.14	$19.50	$18.88	$17.87
Number of accumulation units outstanding at end of period	155	0	326	2,404
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$21.66	$21.91	$20.37	$21.79	$17.02	$14.22	$17.34	$13.98	$9.65	$20.17
Value at end of period	$29.11	$21.66	$21.91	$20.37	$21.79	$17.02	$14.22	$17.34	$13.98	$9.65
Number of accumulation units outstanding at end of period	5,785	5,409	5,709	7,145	8,847	7,941	14,283	15,018	0	3,510
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$29.55	$28.68	$27.96	$21.56	$21.27	$18.52	$17.01	$13.41	$10.38	$16.08
Value at end of period	$30.84	$29.55	$28.68	$27.96	$21.56	$21.27	$18.52	$17.01	$13.41	$10.38
Number of accumulation units outstanding at end of period	126	1,309	2,276	16,315	20,061	17,081	15,888	4,236	8,004	14,758
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2015)
Value at beginning of period	$27.73	$26.18	$25.43
Value at end of period	$36.16	$27.73	$26.18
Number of accumulation units outstanding at end of period	0	0	5,850
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$31.93	$25.75	$26.06	$24.56	$17.90	$15.69	$16.16	$13.04	$10.27	$14.04
Value at end of period	$35.40	$31.93	$25.75	$26.06	$24.56	$17.90	$15.69	$16.16	$13.04	$10.27
Number of accumulation units outstanding at end of period	5,725	6,382	0	26	2,741	2,810	1,904	2,257	1,534	937
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.38	$15.55	$15.65	$14.90	$12.89	$11.42	$11.85	$11.06
Value at end of period	$18.77	$16.38	$15.55	$15.65	$14.90	$12.89	$11.42	$11.85
Number of accumulation units outstanding at end of period	89,429	177,954	177,794	205,011	194,227	146,052	144,495	107,597
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.22	$16.29	$16.46	$15.67	$13.09	$11.43	$12.05	$11.22
Value at end of period	$20.46	$17.22	$16.29	$16.46	$15.67	$13.09	$11.43	$12.05
Number of accumulation units outstanding at end of period	70,548	154,505	155,328	164,951	156,942	119,545	128,617	137,137
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.80	$16.81	$17.06	$16.18	$13.18	$11.47	$12.17	$11.27
Value at end of period	$21.45	$17.80	$16.81	$17.06	$16.18	$13.18	$11.47	$12.17
Number of accumulation units outstanding at end of period	24,856	45,264	55,443	54,740	52,094	118,375	164,806	144,874
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2010)
Value at beginning of period	$16.99	$16.06	$16.29	$15.41	$12.54	$10.92	$11.58	$9.84
Value at end of period	$20.57	$16.99	$16.06	$16.29	$15.41	$12.54	$10.92	$11.58
Number of accumulation units outstanding at end of period	15,734	19,277	16,223	5,817	3,512	3,608	1,312	1,841
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.91	$13.39	$13.46	$12.80	$12.02	$11.01	$11.03	$10.51
Value at end of period	$15.13	$13.91	$13.39	$13.46	$12.80	$12.02	$11.01	$11.03
Number of accumulation units outstanding at end of period	59,797	101,627	115,575	15,896	22,574	25,034	26,605	45,213

CFI 23


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA STRATEGIC ALLOCATION CONSERVATIVE PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$17.65
Value at end of period	$18.68
Number of accumulation units outstanding at end of period	20,814
VOYA STRATEGIC ALLOCATION GROWTH PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$19.15
Value at end of period	$21.09
Number of accumulation units outstanding at end of period	1,955
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during May 2009)
Value at beginning of period	$33.38	$27.01	$27.60	$24.64	$18.83	$16.25	$16.85	$13.86	$10.15
Value at end of period	$36.94	$33.38	$27.01	$27.60	$24.64	$18.83	$16.25	$16.85	$13.86
Number of accumulation units outstanding at end of period	5,691	12,207	16,447	13,599	8,389	1,193	14,346	12,628	20
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$27.23	$25.96	$27.44	$26.40	$19.09	$16.02	$15.73	$12.49	$9.27	$15.85
Value at end of period	$34.77	$27.23	$25.96	$27.44	$26.40	$19.09	$16.02	$15.73	$12.49	$9.27
Number of accumulation units outstanding at end of period	26,071	27,644	31,953	17,768	7,095	6,607	41,895	42,403	28,888	23,204
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2011)
Value at beginning of period	$19.97	$18.49	$18.03	$16.05	$11.96	$10.69	$11.83
Value at end of period	$24.18	$19.97	$18.49	$18.03	$16.05	$11.96	$10.69
Number of accumulation units outstanding at end of period	2,665	2,134	4,596	5,045	1,921	0	2,037
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$20.10	$16.31	$16.87	$16.24	$11.65	$10.24	$10.57	$8.47	$6.82	$10.38
Value at end of period	$22.20	$20.10	$16.31	$16.87	$16.24	$11.65	$10.24	$10.57	$8.47	$6.82
Number of accumulation units outstanding at end of period	0	0	2,441	87	87	87	87	0	0	0
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$22.49	$19.17	$20.47	$18.83	$14.00	$11.85	$12.15	$10.59	$8.28	$13.08
Value at end of period	$26.36	$22.49	$19.17	$20.47	$18.83	$14.00	$11.85	$12.15	$10.59	$8.28
Number of accumulation units outstanding at end of period	0	0	0	0	0	6,790	42,218	33,911	6,285	7,537
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.84	$10.34	$10.63	$10.44
Value at end of period	$13.05	$11.84	$10.34	$10.63
Number of accumulation units outstanding at end of period	5,220	25,376	29,722	37,328
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$30.78	$26.95	$27.90	$24.36	$18.59	$15.56	$15.34	$12.52	$10.01	$15.01
Value at end of period	$34.87	$30.78	$26.95	$27.90	$24.36	$18.59	$15.56	$15.34	$12.52	$10.01
Number of accumulation units outstanding at end of period	13,595	16,969	15,726	44,227	35,695	33,367	33,447	30,126	1,905	5,812
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2013)
Value at beginning of period	$21.00	$18.51	$19.52	$19.58	$18.83
Value at end of period	$22.42	$21.00	$18.51	$19.52	$19.58
Number of accumulation units outstanding at end of period	2,777	6,849	20,047	15,031	14,366
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$25.38	$25.17	$22.86	$21.17	$15.30	$12.95	$13.18	$11.35	$7.99	$13.92
Value at end of period	$33.69	$25.38	$25.17	$22.86	$21.17	$15.30	$12.95	$13.18	$11.35	$7.99
Number of accumulation units outstanding at end of period	21,474	24,627	27,151	15,859	1,071	7,460	2,350	2,789	5,719	3,001

CFI 24


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2009)
Value at beginning of period	$12.06	$11.92	$12.41	$13.38	$11.20	$9.48	$10.84	$10.02	$7.64
Value at end of period	$14.66	$12.06	$11.92	$12.41	$13.38	$11.20	$9.48	$10.84	$10.02
Number of accumulation units outstanding at end of period	0	6,478	7,109	7,243	8,415	8,710	0	0	9


TABLE 10
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.45%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.74	$15.00	$14.62	$13.41
Value at end of period	$20.49	$16.74	$15.00	$14.62
Number of accumulation units outstanding at end of period	6,419	7,368	7,730	10,607
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during August 2011)
Value at beginning of period	$23.72	$23.47	$22.46	$21.93	$17.43	$14.54	$15.08
Value at end of period	$30.33	$23.72	$23.47	$22.46	$21.93	$17.43	$14.54
Number of accumulation units outstanding at end of period	827	505	323	183	0	0	234
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$24.57	$22.83	$21.83	$20.13	$15.16	$12.67	$13.41	$12.04	$9.01	$14.90
Value at end of period	$30.75	$24.57	$22.83	$21.83	$20.13	$15.16	$12.67	$13.41	$12.04	$9.01
Number of accumulation units outstanding at end of period	3,739	3,949	4,668	5,873	420	0	2,776	18,667	39,038	908
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
(Funds were first received in this option during September 2010)
Value at beginning of period	$22.41	$19.92	$20.11	$18.23	$13.93	$12.48	$11.75	$10.88
Value at end of period	$26.71	$22.41	$19.92	$20.11	$18.23	$13.93	$12.48	$11.75
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	32,227
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
(Funds were first received in this option during May 2014)
Value at beginning of period	$26.07	$23.32	$24.36	$24.47
Value at end of period	$28.37	$26.07	$23.32	$24.36
Number of accumulation units outstanding at end of period	951	169	1,379	1,378
FRANKLIN SMALL CAP VALUE VIP FUND (CLASS 2)
(Funds were first received in this option during August 2017)
Value at beginning of period	$28.77
Value at end of period	$32.24
Number of accumulation units outstanding at end of period	54
PIONEER HIGH YIELD FUND (CLASS A SHARES)
(Funds were first received in this option during August 2017)
Value at beginning of period	$20.31
Value at end of period	$20.66
Number of accumulation units outstanding at end of period	1,142
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.75	$12.08	$12.71	$12.75	$13.38	$12.48	$12.11	$10.53	$8.72	$9.40
Value at end of period	$13.88	$12.75	$12.08	$12.71	$12.75	$13.38	$12.48	$12.11	$10.53	$8.72
Number of accumulation units outstanding at end of period	0	0	0	0	4,774	4,602	4,433	0	0	3,831

CFI 25


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GNMA INCOME FUND (CLASS A)
(Funds were first received in this option during January 2009)
Value at beginning of period	$15.29	$15.11	$14.94	$14.31	$14.64	$14.30	$13.37	$12.64	$12.22
Value at end of period	$15.46	$15.29	$15.11	$14.94	$14.31	$14.64	$14.30	$13.37	$12.64
Number of accumulation units outstanding at end of period	278	247	221	195	0	0	0	0	3,661
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.15	$15.20	$15.52	$14.86
Value at end of period	$18.39	$16.15	$15.20	$15.52
Number of accumulation units outstanding at end of period	0	0	0	10,805
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$17.31	$16.15	$16.52	$15.73
Value at end of period	$20.36	$17.31	$16.15	$16.52
Number of accumulation units outstanding at end of period	0	0	0	8,278
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$17.88	$16.65	$17.07	$16.17
Value at end of period	$21.36	$17.88	$16.65	$17.07
Number of accumulation units outstanding at end of period	0	0	0	382
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.44	$18.83	$17.83	$16.74
Value at end of period	$25.05	$19.44	$18.83	$17.83
Number of accumulation units outstanding at end of period	1,646	1,556	1,425	1,297
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during March 2015)
Value at beginning of period	$14.18	$12.58	$13.34
Value at end of period	$16.00	$14.18	$12.58
Number of accumulation units outstanding at end of period	1,808	1,642	1,452
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2014)
Value at beginning of period	$31.73	$25.60	$25.92	$23.68
Value at end of period	$35.15	$31.73	$25.60	$25.92
Number of accumulation units outstanding at end of period	9,113	11,242	10,976	10,127
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.32	$15.50	$15.61	$14.88	$12.87	$11.41	$11.84	$11.06
Value at end of period	$18.70	$16.32	$15.50	$15.61	$14.88	$12.87	$11.41	$11.84
Number of accumulation units outstanding at end of period	8,527	6,798	4,707	3,040	0	0	0	17,376
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.16	$16.25	$16.42	$15.64	$13.07	$11.42	$12.05	$11.22
Value at end of period	$20.37	$17.16	$16.25	$16.42	$15.64	$13.07	$11.42	$12.05
Number of accumulation units outstanding at end of period	3,635	2,280	1,744	1,217	0	88	3,782	1,464
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.74	$16.76	$17.02	$16.15	$13.16	$11.46	$12.17	$11.27
Value at end of period	$21.37	$17.74	$16.76	$17.02	$16.15	$13.16	$11.46	$12.17
Number of accumulation units outstanding at end of period	438	271	165	81	0	88	772	3,589

CFI 26


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2014)
Value at beginning of period	$16.94	$16.01	$16.25	$15.85
Value at end of period	$20.49	$16.94	$16.01	$16.25
Number of accumulation units outstanding at end of period	1,879	255	339	255
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2011)
Value at beginning of period	$13.86	$13.35	$13.43	$12.77	$12.01	$11.00	$10.96
Value at end of period	$15.07	$13.86	$13.35	$13.43	$12.77	$12.01	$11.00
Number of accumulation units outstanding at end of period	599	621	644	0	0	0	1,040
VOYA U.S. BOND INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during April 2017)
Value at beginning of period	$12.99
Value at end of period	$13.11
Number of accumulation units outstanding at end of period	74
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$27.06	$25.80	$27.29	$26.27	$19.01	$15.96	$15.68	$12.45	$9.25	$15.82
Value at end of period	$34.53	$27.06	$25.80	$27.29	$26.27	$19.01	$15.96	$15.68	$12.45	$9.25
Number of accumulation units outstanding at end of period	5,713	4,038	289	2,710	15	0	0	785	1,063	663
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2014)
Value at beginning of period	$19.99	$16.23	$16.80	$16.25
Value at end of period	$22.07	$19.99	$16.23	$16.80
Number of accumulation units outstanding at end of period	4,254	3,966	3,460	2,917
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$22.34	$19.05	$20.35	$18.73	$13.94	$11.80	$12.11	$10.56	$8.26	$11.74
Value at end of period	$26.17	$22.34	$19.05	$20.35	$18.73	$13.94	$11.80	$12.11	$10.56	$8.26
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	6,153	5,469	4
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.83	$10.33	$10.62	$10.44
Value at end of period	$13.02	$11.83	$10.33	$10.62
Number of accumulation units outstanding at end of period	600	674	635	585
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$30.58	$26.79	$27.75	$24.24	$18.51	$15.49	$15.29	$12.49	$9.98	$13.89
Value at end of period	$34.63	$30.58	$26.79	$27.75	$24.24	$18.51	$15.49	$15.29	$12.49	$9.98
Number of accumulation units outstanding at end of period	993	0	0	0	0	0	0	143	16,194	10
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during February 2013)
Value at beginning of period	$25.50	$23.90	$23.60	$21.23	$16.99
Value at end of period	$31.59	$25.50	$23.90	$23.60	$21.23
Number of accumulation units outstanding at end of period	11	14	14	14	14
VY® T. ROWE PRICE EQUITY INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2017)
Value at beginning of period	$23.61
Value at end of period	$25.64
Number of accumulation units outstanding at end of period	131

CFI 27


Condensed Financial Information (continued)





TABLE 11
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.50%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during October 2009)
Value at beginning of period	$19.48	$18.45	$19.01	$18.43	$14.88	$12.59	$13.73	$12.85	$12.87
Value at end of period	$24.10	$19.48	$18.45	$19.01	$18.43	$14.88	$12.59	$13.73	$12.85
Number of accumulation units outstanding at end of period	11,190	4,644	11,153	11,279	13,624	10,955	8,823	13,517	1,080
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during January 2009)
Value at beginning of period	$16.67	$14.94	$14.57	$13.49	$10.34	$8.90	$9.15	$8.09	$5.69
Value at end of period	$20.39	$16.67	$14.94	$14.57	$13.49	$10.34	$8.90	$9.15	$8.09
Number of accumulation units outstanding at end of period	17,925	5,661	7,968	9,613	42,283	7,107	3,076	5,736	2,800
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$21.05	$19.21	$19.67	$18.30	$15.62	$14.07	$13.44	$12.10	$9.80	$13.92
Value at end of period	$23.66	$21.05	$19.21	$19.67	$18.30	$15.62	$14.07	$13.44	$12.10	$9.80
Number of accumulation units outstanding at end of period	238	1,260	5,549	6,452	3,524	2,688	3,198	15,297	12,518	26,878
ARIEL APPRECIATION FUND (INVESTOR CLASS)
(Funds were first received in this option during October 2017)
Value at beginning of period	$25.69
Value at end of period	$27.08
Number of accumulation units outstanding at end of period	243
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during February 2016)
Value at beginning of period	$15.70	$12.47
Value at end of period	$18.25	$15.70
Number of accumulation units outstanding at end of period	295	183
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during October 2009)
Value at beginning of period	$21.92	$20.17	$20.54	$18.65	$14.53	$12.64	$13.33	$12.21	$11.75
Value at end of period	$24.98	$21.92	$20.17	$20.54	$18.65	$14.53	$12.64	$13.33	$12.21
Number of accumulation units outstanding at end of period	0	0	3,056	2,790	2,513	2,199	1,828	1,465	1,034
FIDELITY® VIP GROWTH PORTFOLIO (INITIAL CLASS)
(Funds were first received in this option during December 2017)
Value at beginning of period	$26.98
Value at end of period	$26.98
Number of accumulation units outstanding at end of period	1,297
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$25.90	$23.18	$24.23	$23.24	$18.68	$16.60	$17.23	$15.62	$13.01	$17.89
Value at end of period	$28.17	$25.90	$23.18	$24.23	$23.24	$18.68	$16.60	$17.23	$15.62	$13.01
Number of accumulation units outstanding at end of period	13,360	1,300	8,819	16,110	4,863	16,230	15,632	20,575	20,036	19,734
FRANKLIN SMALL-MID CAP GROWTH FUND (CLASS A)
(Funds were first received in this option during January 2017)
Value at beginning of period	$23.27
Value at end of period	$27.33
Number of accumulation units outstanding at end of period	1,672

CFI 28


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
PIONEER STRATEGIC INCOME FUND (CLASS A SHARES)
(Funds were first received in this option during February 2017)
Value at beginning of period	$13.50
Value at end of period	$13.97
Number of accumulation units outstanding at end of period	7,122
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.69	$12.03	$12.66	$12.70	$13.34	$12.45	$12.09	$10.52	$8.71	$10.48
Value at end of period	$13.80	$12.69	$12.03	$12.66	$12.70	$13.34	$12.45	$12.09	$10.52	$8.71
Number of accumulation units outstanding at end of period	8,303	7,536	9,521	11,813	5,571	7,243	9,481	10,964	10,869	9,967
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.92	$9.40	$10.03
Value at end of period	$12.21	$9.92	$9.40
Number of accumulation units outstanding at end of period	8,338	5,534	13,552
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during October 2009)
Value at beginning of period	$21.21	$21.29	$21.81	$19.30	$18.72	$15.02	$15.99	$14.00	$13.87
Value at end of period	$23.24	$21.21	$21.29	$21.81	$19.30	$18.72	$15.02	$15.99	$14.00
Number of accumulation units outstanding at end of period	2,101	452	385	1,018	4,407	45	11	0	103
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2012)
Value at beginning of period	$16.09	$15.16	$15.49	$14.75	$12.68	$12.68
Value at end of period	$18.32	$16.09	$15.16	$15.49	$14.75	$12.68
Number of accumulation units outstanding at end of period	25,196	26,796	33,539	37,850	17,688	16,853
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2010)
Value at beginning of period	$17.25	$16.10	$16.48	$15.66	$12.92	$11.29	$11.75	$10.24
Value at end of period	$20.28	$17.25	$16.10	$16.48	$15.66	$12.92	$11.29	$11.75
Number of accumulation units outstanding at end of period	7,465	9,046	5,020	26,641	5,757	5,310	0	1,143
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2012)
Value at beginning of period	$17.82	$16.60	$17.03	$16.15	$13.10	$12.80
Value at end of period	$21.28	$17.82	$16.60	$17.03	$16.15	$13.10
Number of accumulation units outstanding at end of period	14,048	10,837	1,936	24,577	8,860	10,650
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2012)
Value at beginning of period	$17.21	$16.06	$16.47	$15.60	$12.65	$12.35
Value at end of period	$20.63	$17.21	$16.06	$16.47	$15.60	$12.65
Number of accumulation units outstanding at end of period	1,766	1,562	2,124	3,763	0	136
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2012)
Value at beginning of period	$13.70	$13.13	$13.37	$12.70	$11.86	$11.77
Value at end of period	$14.84	$13.70	$13.13	$13.37	$12.70	$11.86
Number of accumulation units outstanding at end of period	8,549	8,448	5,292	8,382	8,151	7,792
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2014)
Value at beginning of period	$19.38	$18.79	$17.79	$15.76
Value at end of period	$24.96	$19.38	$18.79	$17.79
Number of accumulation units outstanding at end of period	19,483	8,166	5,925	6,530
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during July 2013)
Value at beginning of period	$14.15	$12.56	$13.27	$12.17	$11.22
Value at end of period	$15.96	$14.15	$12.56	$13.27	$12.17
Number of accumulation units outstanding at end of period	2,155	1,070	884	490	491

CFI 29


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$21.38	$21.65	$20.15	$21.57	$16.87	$14.11	$17.22	$13.89	$9.60	$20.03
Value at end of period	$28.71	$21.38	$21.65	$20.15	$21.57	$16.87	$14.11	$17.22	$13.89	$9.60
Number of accumulation units outstanding at end of period	186	0	0	187	0	0	211	199	7,856	7,239
VOYA MULTI-MANAGER LARGE CAP CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2017)
Value at beginning of period	$19.04
Value at end of period	$20.71
Number of accumulation units outstanding at end of period	520
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2012)
Value at beginning of period	$27.51	$26.01	$24.35	$21.70	$16.56	$17.03
Value at end of period	$35.85	$27.51	$26.01	$24.35	$21.70	$16.56
Number of accumulation units outstanding at end of period	6,367	7,303	5,539	5,145	4,861	4,541
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$31.52	$25.45	$25.78	$24.32	$17.74	$15.57	$16.05	$12.97	$10.22	$13.33
Value at end of period	$34.91	$31.52	$25.45	$25.78	$24.32	$17.74	$15.57	$16.05	$12.97	$10.22
Number of accumulation units outstanding at end of period	13,684	12,957	16,284	3,007	3,908	2,826	343	5,755	2,224	12
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.26	$15.46	$15.57	$14.85	$12.85	$11.40	$11.84	$11.06
Value at end of period	$18.62	$16.26	$15.46	$15.57	$14.85	$12.85	$11.40	$11.84
Number of accumulation units outstanding at end of period	42,861	45,975	65,079	145,213	120,542	53,877	59,796	105,440
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.10	$16.20	$16.38	$15.61	$13.05	$11.41	$12.04	$11.21
Value at end of period	$20.29	$17.10	$16.20	$16.38	$15.61	$13.05	$11.41	$12.04
Number of accumulation units outstanding at end of period	23,887	2,442	25,292	61,816	36,094	18,151	20,670	34,514
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.68	$16.72	$16.98	$16.12	$13.14	$11.45	$12.16	$11.27
Value at end of period	$21.29	$17.68	$16.72	$16.98	$16.12	$13.14	$11.45	$12.16
Number of accumulation units outstanding at end of period	12,702	6,721	16,424	33,324	19,013	26,307	27,988	35,014
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$16.88	$15.97	$16.22	$15.36	$12.51	$10.91	$11.57	$11.53
Value at end of period	$20.41	$16.88	$15.97	$16.22	$15.36	$12.51	$10.91	$11.57
Number of accumulation units outstanding at end of period	142	11	4,360	8,900	3,874	1,047	448	1
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.81	$13.31	$13.40	$12.75	$11.99	$10.99	$11.02	$10.51
Value at end of period	$15.01	$13.81	$13.31	$13.40	$12.75	$11.99	$10.99	$11.02
Number of accumulation units outstanding at end of period	25,897	27,244	46,415	3,261	1,997	451	13,252	19,072
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$32.95	$26.70	$27.30	$24.40	$18.67	$16.12	$16.73	$13.78	$10.21	$13.25
Value at end of period	$36.43	$32.95	$26.70	$27.30	$24.40	$18.67	$16.12	$16.73	$13.78	$10.21
Number of accumulation units outstanding at end of period	2,927	4,426	2,449	3,597	8,767	8,774	6,055	5,806	2,620	4,146
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$19.88	$16.15	$16.73	$16.11	$11.57	$10.18	$10.52	$8.44	$6.80	$10.36
Value at end of period	$21.95	$19.88	$16.15	$16.73	$16.11	$11.57	$10.18	$10.52	$8.44	$6.80
Number of accumulation units outstanding at end of period	280	291	237	0	0	0	0	0	2,041	4,050

CFI 30


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.81	$10.32	$10.62	$10.44
Value at end of period	$13.00	$11.81	$10.32	$10.62
Number of accumulation units outstanding at end of period	68,768	4,884	4,497	8,566
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2009)
Value at beginning of period	$20.78	$18.33	$19.35	$19.43	$17.43	$15.12	$15.34	$12.99	$8.04
Value at end of period	$22.16	$20.78	$18.33	$19.35	$19.43	$17.43	$15.12	$15.34	$12.99
Number of accumulation units outstanding at end of period	900	438	7,171	7,272	197	0	0	0	58
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during February 2013)
Value at beginning of period	$22.85	$21.38	$21.06	$18.93	$15.06
Value at end of period	$28.38	$22.85	$21.38	$21.06	$18.93
Number of accumulation units outstanding at end of period	0	0	0	0	410
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
Value at beginning of period	$25.33	$23.75	$23.47	$21.13	$15.76	$13.67	$14.29	$11.21	$7.72	$13.67
Value at end of period	$31.37	$25.33	$23.75	$23.47	$21.13	$15.76	$13.67	$14.29	$11.21	$7.72
Number of accumulation units outstanding at end of period	10,867	12,882	12,619	12,252	12,203	11,140	10,535	12,641	14,065	9,311
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$25.06	$24.87	$22.61	$20.96	$15.17	$12.85	$13.09	$11.28	$7.95	$13.86
Value at end of period	$33.22	$25.06	$24.87	$22.61	$20.96	$15.17	$12.85	$13.09	$11.28	$7.95
Number of accumulation units outstanding at end of period	22,673	28,180	39,045	43,571	63,280	64,617	53,407	50,503	22,178	43,180


TABLE 12
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.55%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
(Funds were first received in this option during September 2011)
Value at beginning of period	$20.68	$19.21	$19.06	$17.66	$14.64	$12.93	$12.01
Value at end of period	$23.66	$20.68	$19.21	$19.06	$17.66	$14.64	$12.93
Number of accumulation units outstanding at end of period	695	119	119	582	119	119	119
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during December 2009)
Value at beginning of period	$19.41	$18.39	$18.96	$18.39	$14.85	$12.57	$13.72	$12.84	$12.74
Value at end of period	$23.99	$19.41	$18.39	$18.96	$18.39	$14.85	$12.57	$13.72	$12.84
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	176	48
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.60	$14.88	$14.52	$13.45	$10.32	$8.88	$9.15
Value at end of period	$20.29	$16.60	$14.88	$14.52	$13.45	$10.32	$8.88
Number of accumulation units outstanding at end of period	0	0	215	184	149	108	103
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$23.41	$23.20	$22.21	$21.71	$17.27	$14.42	$15.75	$14.10	$10.34	$16.26
Value at end of period	$29.91	$23.41	$23.20	$22.21	$21.71	$17.27	$14.42	$15.75	$14.10	$10.34
Number of accumulation units outstanding at end of period	0	1,518	0	0	0	0	7,475	7,064	8,819	5,703

CFI 31


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during December 2009)
Value at beginning of period	$21.84	$20.10	$20.48	$18.60	$14.50	$12.62	$13.32	$12.21	$12.25
Value at end of period	$24.87	$21.84	$20.10	$20.48	$18.60	$14.50	$12.62	$13.32	$12.21
Number of accumulation units outstanding at end of period	0	0	1,241	1,248	1,232	1,412	1,229	325	67
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.63	$11.98	$12.61	$12.66	$13.30	$12.42	$12.07	$10.50	$8.71	$10.66
Value at end of period	$13.73	$12.63	$11.98	$12.61	$12.66	$13.30	$12.42	$12.07	$10.50	$8.71
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	11,281	16,364	4,263	3,972
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during March 2011)
Value at beginning of period	$21.13	$21.22	$21.75	$19.25	$18.69	$15.00	$15.38
Value at end of period	$23.14	$21.13	$21.22	$21.75	$19.25	$18.69	$15.00
Number of accumulation units outstanding at end of period	0	0	690	712	681	591	523
VOYA GROWTH AND INCOME PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$20.64
Value at end of period	$22.85
Number of accumulation units outstanding at end of period	123
VOYA GROWTH AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$25.91
Value at end of period	$28.68
Number of accumulation units outstanding at end of period	200
VOYA INTERMEDIATE BOND FUND (CLASS A)
(Funds were first received in this option during May 2009)
Value at beginning of period	$15.59	$15.10	$15.14	$14.30	$14.49	$13.38	$12.49	$11.45	$10.35
Value at end of period	$16.20	$15.59	$15.10	$15.14	$14.30	$14.49	$13.38	$12.49	$11.45
Number of accumulation units outstanding at end of period	639	1,380	754	1,558	2,455	1,684	1,140	50	19
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$21.81
Value at end of period	$24.87
Number of accumulation units outstanding at end of period	62
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$15.98
Value at end of period	$17.45
Number of accumulation units outstanding at end of period	458
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
(Funds were first received in this option during May 2017)
Value at beginning of period	$24.61
Value at end of period	$28.51
Number of accumulation units outstanding at end of period	89
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$27.41	$25.92	$24.28	$21.65	$16.53	$14.55	$13.99
Value at end of period	$35.69	$27.41	$25.92	$24.28	$21.65	$16.53	$14.55
Number of accumulation units outstanding at end of period	0	0	598	643	684	418	148
VOYA RUSSELL^TMLARGE CAP VALUE INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$24.25	$21.15	$22.10	$19.80	$15.14	$13.13	$13.20
Value at end of period	$27.30	$24.25	$21.15	$22.10	$19.80	$15.14	$13.13
Number of accumulation units outstanding at end of period	0	0	158	131	72	61	48

CFI 32


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.21	$15.41	$15.53	$14.82	$12.84	$11.39	$11.83	$11.06
Value at end of period	$18.55	$16.21	$15.41	$15.53	$14.82	$12.84	$11.39	$11.83
Number of accumulation units outstanding at end of period	17,143	3,088	84,960	37,455	29,431	7,597	137,715	144,503
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.04	$16.15	$16.34	$15.57	$13.03	$11.40	$12.04	$11.21
Value at end of period	$20.21	$17.04	$16.15	$16.34	$15.57	$13.03	$11.40	$12.04
Number of accumulation units outstanding at end of period	8,619	5,606	1,918	1,416	167	362	111,067	125,649
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.62	$16.67	$16.94	$16.09	$13.12	$11.44	$12.16	$11.27
Value at end of period	$21.20	$17.62	$16.67	$16.94	$16.09	$13.12	$11.44	$12.16
Number of accumulation units outstanding at end of period	8,994	859	992	1,070	469	345	28,964	41,822
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2010)
Value at beginning of period	$16.82	$15.92	$16.18	$15.33	$12.49	$10.90	$11.57	$9.61
Value at end of period	$20.33	$16.82	$15.92	$16.18	$15.33	$12.49	$10.90	$11.57
Number of accumulation units outstanding at end of period	863	1,249	237	153	0	0	1,030	417
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.77	$13.27	$13.36	$12.72	$11.97	$10.98	$11.01	$10.50
Value at end of period	$14.95	$13.77	$13.27	$13.36	$12.72	$11.97	$10.98	$11.01
Number of accumulation units outstanding at end of period	2,440	30,987	4,818	0	0	1,783	16,783	18,411
VOYA U.S. BOND INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$12.90
Value at end of period	$12.99
Number of accumulation units outstanding at end of period	30
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during September 2010)
Value at beginning of period	$32.74	$26.54	$27.15	$24.28	$18.58	$16.06	$16.67	$14.41
Value at end of period	$36.18	$32.74	$26.54	$27.15	$24.28	$18.58	$16.06	$16.67
Number of accumulation units outstanding at end of period	914	381	381	381	2,449	604	480	4,267
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$21.10
Value at end of period	$23.68
Number of accumulation units outstanding at end of period	13
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$22.06	$18.83	$20.13	$19.52
Value at end of period	$25.81	$22.06	$18.83	$20.13
Number of accumulation units outstanding at end of period	45	0	0	564
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2009)
Value at beginning of period	$30.19	$26.47	$27.45	$24.00	$18.35	$15.37	$15.18	$12.41	$12.43
Value at end of period	$34.15	$30.19	$26.47	$27.45	$24.00	$18.35	$15.37	$15.18	$12.41
Number of accumulation units outstanding at end of period	279	961	0	0	9	7	5	168	51

CFI 33


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$24.90	$24.72	$22.49	$20.86	$15.10	$12.80	$13.08
Value at end of period	$32.99	$24.90	$24.72	$22.49	$20.86	$15.10	$12.80
Number of accumulation units outstanding at end of period	199	199	199	257	830	730	643
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$11.87	$11.74	$12.25	$13.22	$11.08	$9.40	$10.76	$9.96	$7.60	$12.47
Value at end of period	$14.40	$11.87	$11.74	$12.25	$13.22	$11.08	$9.40	$10.76	$9.96	$7.60
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	440	406	330	277


TABLE 13
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.60%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$19.33	$18.32	$18.90	$18.35	$14.82	$12.56	$13.71	$12.30
Value at end of period	$23.89	$19.33	$18.32	$18.90	$18.35	$14.82	$12.56	$13.71
Number of accumulation units outstanding at end of period	0	7,233	4,465	0	418	2,025	3,673	830
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during February 2009)
Value at beginning of period	$16.53	$14.83	$14.48	$13.41	$10.29	$8.87	$9.12	$8.07	$5.76
Value at end of period	$20.20	$16.53	$14.83	$14.48	$13.41	$10.29	$8.87	$9.12	$8.07
Number of accumulation units outstanding at end of period	2,439	15,087	13,950	3,564	5,967	30,458	3,661	128	349
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during February 2012)
Value at beginning of period	$15.56	$13.62	$13.99	$12.58	$9.65	$9.23
Value at end of period	$18.08	$15.56	$13.62	$13.99	$12.58	$9.65
Number of accumulation units outstanding at end of period	0	0	95	51	0	5,513
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during February 2011)
Value at beginning of period	$24.78	$19.27	$19.57	$18.55	$14.07	$12.65	$12.97
Value at end of period	$27.40	$24.78	$19.27	$19.57	$18.55	$14.07	$12.65
Number of accumulation units outstanding at end of period	151	0	0	0	0	47	110
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2009)
Value at beginning of period	$12.57	$11.93	$12.56	$12.62	$13.26	$12.40	$12.05	$10.49	$8.78
Value at end of period	$13.66	$12.57	$11.93	$12.56	$12.62	$13.26	$12.40	$12.05	$10.49
Number of accumulation units outstanding at end of period	0	1,351	10,926	13,330	14,881	4,968	675	4,277	7,294
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.90	$9.39	$10.03
Value at end of period	$12.17	$9.90	$9.39
Number of accumulation units outstanding at end of period	2,826	6,446	6,661
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2012)
Value at beginning of period	$21.04	$21.15	$21.69	$19.21	$18.65	$16.63
Value at end of period	$23.04	$21.04	$21.15	$21.69	$19.21	$18.65
Number of accumulation units outstanding at end of period	0	1,675	1,674	0	0	3,543

CFI 34


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2012)
Value at beginning of period	$15.98	$15.07	$15.41	$14.69	$12.65	$12.09
Value at end of period	$18.18	$15.98	$15.07	$15.41	$14.69	$12.65
Number of accumulation units outstanding at end of period	13,552	1,029	70,220	67,818	63,096	544
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2011)
Value at beginning of period	$17.13	$16.01	$16.40	$15.60	$12.89	$11.27	$10.44
Value at end of period	$20.12	$17.13	$16.01	$16.40	$15.60	$12.89	$11.27
Number of accumulation units outstanding at end of period	11,048	1,114	36,007	36,631	33,052	0	226
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2011)
Value at beginning of period	$17.70	$16.51	$16.94	$16.09	$13.07	$11.37	$10.47
Value at end of period	$21.11	$17.70	$16.51	$16.94	$16.09	$13.07	$11.37
Number of accumulation units outstanding at end of period	1,912	1,315	23,664	21,274	18,072	177	356
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2011)
Value at beginning of period	$17.10	$15.97	$16.40	$15.54	$12.62	$10.97	$10.12
Value at end of period	$20.48	$17.10	$15.97	$16.40	$15.54	$12.62	$10.97
Number of accumulation units outstanding at end of period	1,480	918	3,486	1,538	732	0	66
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2011)
Value at beginning of period	$13.60	$13.06	$13.30	$12.65	$11.82	$10.97	$10.59
Value at end of period	$14.72	$13.60	$13.06	$13.30	$12.65	$11.82	$10.97
Number of accumulation units outstanding at end of period	5,964	30	37,717	736	560	1,219	127
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2011)
Value at beginning of period	$19.26	$18.69	$17.72	$15.73	$12.11	$10.34	$10.92
Value at end of period	$24.78	$19.26	$18.69	$17.72	$15.73	$12.11	$10.34
Number of accumulation units outstanding at end of period	2,975	7,311	5,438	3,273	149	147	144
VOYA LARGE CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during June 2017)
Value at beginning of period	$15.67
Value at end of period	$16.60
Number of accumulation units outstanding at end of period	1,332
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2013)
Value at beginning of period	$27.31	$25.84	$24.21	$21.60	$20.50
Value at end of period	$35.54	$27.31	$25.84	$24.21	$21.60
Number of accumulation units outstanding at end of period	3,080	2,397	1,738	1,801	1,685
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$31.12	$25.15	$25.50	$24.08	$17.58	$15.45	$15.94	$12.89	$10.17	$14.83
Value at end of period	$34.42	$31.12	$25.15	$25.50	$24.08	$17.58	$15.45	$15.94	$12.89	$10.17
Number of accumulation units outstanding at end of period	703	277	715	178	54	58	2,407	0	4	4
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.15	$15.37	$15.49	$14.79	$12.82	$11.38	$11.83	$11.06
Value at end of period	$18.48	$16.15	$15.37	$15.49	$14.79	$12.82	$11.38	$11.83
Number of accumulation units outstanding at end of period	31,772	46,069	23,688	22,198	40,039	27,024	20,744	28,031
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.98	$16.10	$16.30	$15.54	$13.01	$11.39	$12.03	$11.21
Value at end of period	$20.13	$16.98	$16.10	$16.30	$15.54	$13.01	$11.39	$12.03
Number of accumulation units outstanding at end of period	93,204	104,862	69,078	66,293	80,272	66,274	54,245	46,820

CFI 35


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.55	$16.62	$16.90	$16.06	$13.10	$11.43	$12.15	$11.27
Value at end of period	$21.12	$17.55	$16.62	$16.90	$16.06	$13.10	$11.43	$12.15
Number of accumulation units outstanding at end of period	19,928	22,578	13,041	7,179	6,140	5,655	2,706	2,327
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2012)
Value at beginning of period	$16.77	$15.88	$16.14	$15.30	$12.48	$11.99
Value at end of period	$20.26	$16.77	$15.88	$16.14	$15.30	$12.48
Number of accumulation units outstanding at end of period	2,837	1,986	847	34	13,591	504
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.72	$13.23	$13.33	$12.70	$11.96	$10.97	$11.01	$10.50
Value at end of period	$14.89	$13.72	$13.23	$13.33	$12.70	$11.96	$10.97	$11.01
Number of accumulation units outstanding at end of period	13,668	21,968	13,593	24	24	1,684	1,705	1,715
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$32.53	$26.38	$27.01	$24.16	$18.50	$16.00	$16.62	$13.70	$10.16	$13.92
Value at end of period	$35.93	$32.53	$26.38	$27.01	$24.16	$18.50	$16.00	$16.62	$13.70	$10.16
Number of accumulation units outstanding at end of period	735	749	765	861	1,111	594	548	331	277	0
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$19.46	$18.06	$17.64	$15.73	$11.75	$10.52	$11.11	$9.97	$7.62	$12.62
Value at end of period	$23.52	$19.46	$18.06	$17.64	$15.73	$11.75	$10.52	$11.11	$9.97	$7.62
Number of accumulation units outstanding at end of period	950	2,554	3,489	1,978	645	836	735	5	1,287	0
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.78	$10.31	$10.61	$10.44
Value at end of period	$12.95	$11.78	$10.31	$10.61
Number of accumulation units outstanding at end of period	128	5,725	6,327	754
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2010)
Value at beginning of period	$20.56	$18.16	$19.19	$19.28	$17.31	$15.03	$15.27	$14.76
Value at end of period	$21.91	$20.56	$18.16	$19.19	$19.28	$17.31	$15.03	$15.27
Number of accumulation units outstanding at end of period	2,648	3,817	8,212	7,581	7,894	1,753	0	453
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during September 2010)
Value at beginning of period	$22.60	$21.17	$20.87	$18.78	$13.98	$12.11	$12.65	$10.18
Value at end of period	$28.04	$22.60	$21.17	$20.87	$18.78	$13.98	$12.11	$12.65
Number of accumulation units outstanding at end of period	1,447	1,350	1,872	2,416	2,248	413	361	361

CFI 36


Condensed Financial Information (continued)





TABLE 14
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.65%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during February 2010)
Value at beginning of period	$19.26	$18.26	$18.85	$18.30	$14.80	$12.54	$13.69	$12.23
Value at end of period	$23.79	$19.26	$18.26	$18.85	$18.30	$14.80	$12.54	$13.69
Number of accumulation units outstanding at end of period	0	0	0	0	0	5,664	6,800	6,417
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during April 2009)
Value at beginning of period	$16.45	$14.77	$14.43	$13.38	$10.27	$8.85	$9.11	$8.07	$6.18
Value at end of period	$20.10	$16.45	$14.77	$14.43	$13.38	$10.27	$8.85	$9.11	$8.07
Number of accumulation units outstanding at end of period	1	1	1	15,919	15,572	1,747	6,488	3,847	3,568
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during February 2010)
Value at beginning of period	$21.67	$19.97	$20.37	$18.52	$14.45	$12.59	$13.30	$11.68
Value at end of period	$24.66	$21.67	$19.97	$20.37	$18.52	$14.45	$12.59	$13.30
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	1,038
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$12.51	$11.88	$12.52	$12.58	$13.23	$12.37	$12.03	$10.64
Value at end of period	$13.59	$12.51	$11.88	$12.52	$12.58	$13.23	$12.37	$12.03
Number of accumulation units outstanding at end of period	0	0	0	0	0	8,396	6,990	7,887
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2010)
Value at beginning of period	$20.96	$21.08	$21.63	$19.16	$18.62	$14.96	$15.95	$12.83
Value at end of period	$22.94	$20.96	$21.08	$21.63	$19.16	$18.62	$14.96	$15.95
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	455
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.93	$15.02	$15.37	$14.66	$12.63	$11.26	$11.53	$10.94
Value at end of period	$18.11	$15.93	$15.02	$15.37	$14.66	$12.63	$11.26	$11.53
Number of accumulation units outstanding at end of period	0	0	0	257	6,787	91,281	40,645	39,301
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.07	$15.96	$16.36	$15.56	$12.87	$11.26	$11.74	$11.08
Value at end of period	$20.04	$17.07	$15.96	$16.36	$15.56	$12.87	$11.26	$11.74
Number of accumulation units outstanding at end of period	0	0	0	6,692	14,020	65,929	26,404	20,705
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.64	$16.46	$16.90	$16.06	$13.05	$11.36	$11.95	$11.23
Value at end of period	$21.03	$17.64	$16.46	$16.90	$16.06	$13.05	$11.36	$11.95
Number of accumulation units outstanding at end of period	29	29	29	6,406	5,968	38,509	9,414	6,278
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during July 2012)
Value at beginning of period	$17.04	$15.92	$16.36	$15.51	$12.60	$11.74
Value at end of period	$20.40	$17.04	$15.92	$16.36	$15.51	$12.60
Number of accumulation units outstanding at end of period	0	0	0	450	268	685

CFI 37


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during July 2010)
Value at beginning of period	$13.55	$13.02	$13.27	$12.63	$11.81	$10.96	$10.76	$10.28
Value at end of period	$14.66	$13.55	$13.02	$13.27	$12.63	$11.81	$10.96	$10.76
Number of accumulation units outstanding at end of period	0	0	0	381	0	3,480	337	235
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2011)
Value at beginning of period	$19.21	$18.64	$17.68	$15.70	$12.10	$10.34	$10.32
Value at end of period	$24.69	$19.21	$18.64	$17.68	$15.70	$12.10	$10.34
Number of accumulation units outstanding at end of period	1,377	2,729	0	2,603	0	1,219	12,442
VOYA LARGE CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$15.90
Value at end of period	$16.50
Number of accumulation units outstanding at end of period	5
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during June 2017)
Value at beginning of period	$15.87
Value at end of period	$17.36
Number of accumulation units outstanding at end of period	2,567
VOYA MULTI-MANAGER LARGE CAP CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$19.41
Value at end of period	$20.35
Number of accumulation units outstanding at end of period	13
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$27.20	$25.75	$24.14	$21.55	$16.47	$14.51	$14.05	$12.02
Value at end of period	$35.38	$27.20	$25.75	$24.14	$21.55	$16.47	$14.51	$14.05
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	612
VOYA RUSSELL^TMLARGE CAP VALUE INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$24.07	$21.01	$21.97	$19.71	$15.09	$13.10	$13.11	$11.42
Value at end of period	$27.06	$24.07	$21.01	$21.97	$19.71	$15.09	$13.10	$13.11
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	568
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.10	$15.32	$15.46	$14.76	$12.80	$11.37	$11.82	$11.05
Value at end of period	$18.40	$16.10	$15.32	$15.46	$14.76	$12.80	$11.37	$11.82
Number of accumulation units outstanding at end of period	17,665	37,239	10,789	11,201	9,841	55,690	90,763	92,442
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.92	$16.06	$16.26	$15.51	$12.99	$11.38	$12.03	$11.21
Value at end of period	$20.06	$16.92	$16.06	$16.26	$15.51	$12.99	$11.38	$12.03
Number of accumulation units outstanding at end of period	62,717	80,527	14,287	35,556	11,683	50,452	50,148	69,397
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.49	$16.57	$16.86	$16.03	$13.09	$11.42	$12.14	$11.26
Value at end of period	$21.04	$17.49	$16.57	$16.86	$16.03	$13.09	$11.42	$12.14
Number of accumulation units outstanding at end of period	32,336	22,282	3,548	23,868	2,629	12,597	69,530	67,961

CFI 38


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2010)
Value at beginning of period	$16.71	$15.83	$16.10	$15.27	$12.46	$10.88	$11.56	$9.83
Value at end of period	$20.18	$16.71	$15.83	$16.10	$15.27	$12.46	$10.88	$11.56
Number of accumulation units outstanding at end of period	1,232	2,713	0	0	0	827	300	17
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.67	$13.19	$13.30	$12.67	$11.94	$10.96	$11.00	$10.50
Value at end of period	$14.84	$13.67	$13.19	$13.30	$12.67	$11.94	$10.96	$11.00
Number of accumulation units outstanding at end of period	34,419	45,638	40,178	3,735	1,259	30	7,253	20,985
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$32.32	$26.22	$26.86	$24.04	$18.42	$15.93	$16.56	$13.27
Value at end of period	$35.68	$32.32	$26.22	$26.86	$24.04	$18.42	$15.93	$16.56
Number of accumulation units outstanding at end of period	1	1	1	1,306	1,295	1,340	152	232
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$19.33	$17.95	$17.54	$15.65	$11.69	$10.48	$11.07	$9.94	$7.60	$12.59
Value at end of period	$23.35	$19.33	$17.95	$17.54	$15.65	$11.69	$10.48	$11.07	$9.94	$7.60
Number of accumulation units outstanding at end of period	0	1,865	0	0	0	2,140	6,047	16,514	11,742	7,735
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2009)
Value at beginning of period	$19.57	$15.92	$16.51	$15.93	$11.46	$10.10	$10.44	$8.39	$5.64
Value at end of period	$21.56	$19.57	$15.92	$16.51	$15.93	$11.46	$10.10	$10.44	$8.39
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	1,620	1,440	509
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2009)
Value at beginning of period	$21.77	$18.60	$19.91	$18.37	$13.69	$11.62	$11.94	$10.44	$7.12
Value at end of period	$25.46	$21.77	$18.60	$19.91	$18.37	$13.69	$11.62	$11.94	$10.44
Number of accumulation units outstanding at end of period	0	631	0	0	539	534	73	49	22
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2010)
Value at beginning of period	$20.45	$18.07	$19.10	$19.21	$17.25	$14.99	$15.24	$13.32
Value at end of period	$21.78	$20.45	$18.07	$19.10	$19.21	$17.25	$14.99	$15.24
Number of accumulation units outstanding at end of period	0	2,335	0	0	85	12,547	3,360	3,074
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during November 2013)
Value at beginning of period	$22.48	$21.06	$20.78	$18.70	$17.80
Value at end of period	$27.87	$22.48	$21.06	$20.78	$18.70
Number of accumulation units outstanding at end of period	1,350	0	2,959	3,006	1,536
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$24.58	$24.43	$22.25	$20.65	$14.96	$12.70	$12.95	$10.84
Value at end of period	$32.54	$24.58	$24.43	$22.25	$20.65	$14.96	$12.70	$12.95
Number of accumulation units outstanding at end of period	0	0	2,679	2,716	0	10,041	9,754	8,719
VY® T. ROWE PRICE INTERNATIONAL STOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$20.26
Value at end of period	$20.47
Number of accumulation units outstanding at end of period	591

CFI 39


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2014)
Value at beginning of period	$11.74	$11.63	$12.14	$13.28
Value at end of period	$14.23	$11.74	$11.63	$12.14
Number of accumulation units outstanding at end of period	0	0	1,196	1,299


TABLE 15
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.70%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during July 2010)
Value at beginning of period	$19.19	$18.20	$18.80	$18.26	$14.77	$12.52	$13.68	$11.88
Value at end of period	$23.68	$19.19	$18.20	$18.80	$18.26	$14.77	$12.52	$13.68
Number of accumulation units outstanding at end of period	41	137	34	67	506	1,505	6,860	4,176
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during April 2009)
Value at beginning of period	$16.38	$14.71	$14.38	$13.34	$10.25	$8.84	$9.10	$8.06	$6.08
Value at end of period	$20.00	$16.38	$14.71	$14.38	$13.34	$10.25	$8.84	$9.10	$8.06
Number of accumulation units outstanding at end of period	1,962	8,470	5,590	813	1,476	2,882	4,191	5,284	6,503
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during January 2009)
Value at beginning of period	$15.43	$13.52	$13.89	$12.51	$9.61	$8.43	$8.98	$7.80	$5.76
Value at end of period	$17.90	$15.43	$13.52	$13.89	$12.51	$9.61	$8.43	$8.98	$7.80
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	7,627	2,090
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during December 2012)
Value at beginning of period	$21.59	$19.90	$20.31	$18.48	$14.42	$14.42
Value at end of period	$24.55	$21.59	$19.90	$20.31	$18.48	$14.42
Number of accumulation units outstanding at end of period	40	40	34	22	365	159
PAX BALANCED FUND (INDIVIDUAL INVESTOR CLASS)
(Funds were first received in this option during March 2017)
Value at beginning of period	$17.97
Value at end of period	$19.39
Number of accumulation units outstanding at end of period	649
TEMPLETON FOREIGN FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$19.47
Value at end of period	$19.76
Number of accumulation units outstanding at end of period	33
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during April 2016)
Value at beginning of period	$24.61	$19.57
Value at end of period	$27.19	$24.61
Number of accumulation units outstanding at end of period	0	20

CFI 40


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2012)
Value at beginning of period	$12.45	$11.82	$12.47	$12.54	$13.19	$13.19
Value at end of period	$13.51	$12.45	$11.82	$12.47	$12.54	$13.19
Number of accumulation units outstanding at end of period	1,646	830	43	110	1,398	1,129
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.88	$9.38	$10.03
Value at end of period	$12.14	$9.88	$9.38
Number of accumulation units outstanding at end of period	4,327	944	1,520
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2011)
Value at beginning of period	$20.88	$21.01	$21.57	$19.12	$18.58	$14.94	$16.31
Value at end of period	$22.84	$20.88	$21.01	$21.57	$19.12	$18.58	$14.94
Number of accumulation units outstanding at end of period	0	0	0	0	792	731	636
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.87	$14.98	$15.33	$14.63	$12.61	$11.25	$11.52	$10.94
Value at end of period	$18.03	$15.87	$14.98	$15.33	$14.63	$12.61	$11.25	$11.52
Number of accumulation units outstanding at end of period	5,574	4,083	2,111	453	24,697	28,319	82,394	47,984
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.01	$15.91	$16.32	$15.53	$12.85	$11.25	$11.73	$11.08
Value at end of period	$19.96	$17.01	$15.91	$16.32	$15.53	$12.85	$11.25	$11.73
Number of accumulation units outstanding at end of period	1,154	606	676	667	18,927	18,978	59,368	31,380
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.58	$16.41	$16.86	$16.02	$13.03	$11.34	$11.94	$11.23
Value at end of period	$20.94	$17.58	$16.41	$16.86	$16.02	$13.03	$11.34	$11.94
Number of accumulation units outstanding at end of period	1,381	1,309	1,136	1,164	15,322	12,884	43,502	23,092
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2011)
Value at beginning of period	$16.98	$15.88	$16.32	$15.48	$12.58	$10.95	$11.94
Value at end of period	$20.32	$16.98	$15.88	$16.32	$15.48	$12.58	$10.95
Number of accumulation units outstanding at end of period	2,009	1,977	1,942	1,720	4,611	3,212	2,791
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during July 2010)
Value at beginning of period	$13.51	$12.98	$13.24	$12.60	$11.79	$10.95	$10.76	$10.23
Value at end of period	$14.61	$13.51	$12.98	$13.24	$12.60	$11.79	$10.95	$10.76
Number of accumulation units outstanding at end of period	884	1,139	1,189	665	479	1	9,933	8,728
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.15	$18.59	$17.65	$16.59
Value at end of period	$24.61	$19.15	$18.59	$17.65
Number of accumulation units outstanding at end of period	7,925	3,768	5,550	4,529
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$20.84	$21.14	$19.72	$21.15	$16.57	$13.89	$16.98	$13.73	$9.51	$16.83
Value at end of period	$27.92	$20.84	$21.14	$19.72	$21.15	$16.57	$13.89	$16.98	$13.73	$9.51
Number of accumulation units outstanding at end of period	4,882	4,969	1,190	1,161	1,133	1,109	312	355	5,948	4,521
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2010)
Value at beginning of period	$27.10	$25.67	$24.07	$21.50	$16.44	$14.49	$14.04	$11.91
Value at end of period	$35.23	$27.10	$25.67	$24.07	$21.50	$16.44	$14.49	$14.04
Number of accumulation units outstanding at end of period	734	0	0	6,270	6,318	6,053	4,970	499

CFI 41


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$30.72	$24.85	$25.22	$23.84	$17.43	$15.33	$15.83	$12.81	$10.12	$9.46
Value at end of period	$33.95	$30.72	$24.85	$25.22	$23.84	$17.43	$15.33	$15.83	$12.81	$10.12
Number of accumulation units outstanding at end of period	295	1,996	1,595	0	4,729	8,196	3,247	3,313	3,288	790
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.04	$15.28	$15.42	$14.73	$12.78	$11.36	$11.82	$11.05
Value at end of period	$18.33	$16.04	$15.28	$15.42	$14.73	$12.78	$11.36	$11.82
Number of accumulation units outstanding at end of period	38,613	72,782	58,447	63,796	123,246	149,281	129,882	134,925
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.86	$16.01	$16.22	$15.48	$12.98	$11.37	$12.02	$11.21
Value at end of period	$19.98	$16.86	$16.01	$16.22	$15.48	$12.98	$11.37	$12.02
Number of accumulation units outstanding at end of period	104,042	136,728	120,338	114,700	207,468	147,368	60,721	63,271
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.43	$16.52	$16.82	$15.99	$13.07	$11.41	$12.14	$11.26
Value at end of period	$20.95	$17.43	$16.52	$16.82	$15.99	$13.07	$11.41	$12.14
Number of accumulation units outstanding at end of period	37,761	59,207	51,810	48,354	74,834	60,475	31,935	34,383
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$16.66	$15.79	$16.07	$15.25	$12.45	$10.87	$11.55	$11.31
Value at end of period	$20.10	$16.66	$15.79	$16.07	$15.25	$12.45	$10.87	$11.55
Number of accumulation units outstanding at end of period	4,232	8,801	3,659	1,686	2,759	1,936	253	8
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.62	$13.16	$13.26	$12.65	$11.92	$10.95	$11.00	$10.50
Value at end of period	$14.78	$13.62	$13.16	$13.26	$12.65	$11.92	$10.95	$11.00
Number of accumulation units outstanding at end of period	38,413	71,240	73,393	16,449	18,779	6,600	20,171	19,854
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2010)
Value at beginning of period	$19.46	$15.84	$16.44	$15.87	$11.42	$10.07	$10.42	$8.65
Value at end of period	$21.44	$19.46	$15.84	$16.44	$15.87	$11.42	$10.07	$10.42
Number of accumulation units outstanding at end of period	7,241	7,225	7,332	1,772	2,692	0	0	1,438
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.75	$10.29	$10.61	$10.43
Value at end of period	$12.91	$11.75	$10.29	$10.61
Number of accumulation units outstanding at end of period	47	55,430	49,196	45,087
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$22.35	$20.96	$20.69	$18.63	$13.88	$12.03	$12.59	$9.86	$6.78	$12.01
Value at end of period	$27.71	$22.35	$20.96	$20.69	$18.63	$13.88	$12.03	$12.59	$9.86	$6.78
Number of accumulation units outstanding at end of period	0	0	35	35	35	1,069	768	54	0	597
WANGER SELECT
(Funds were first received in this option during October 2017)
Value at beginning of period	$22.87
Value at end of period	$24.52
Number of accumulation units outstanding at end of period	308

CFI 42


Condensed Financial Information (continued)





TABLE 16
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.75%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
ALLIANZGI NFJ SMALL-CAP VALUE FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$28.56
Value at end of period	$31.17
Number of accumulation units outstanding at end of period	239
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during December 2011)
Value at beginning of period	$19.11	$18.14	$18.74	$18.22	$14.74	$12.51	$12.51
Value at end of period	$23.58	$19.11	$18.14	$18.74	$18.22	$14.74	$12.51
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	286
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$19.45	$19.52	$19.89	$20.64	$17.36	$14.71	$17.21	$15.89	$11.54	$19.62
Value at end of period	$25.15	$19.45	$19.52	$19.89	$20.64	$17.36	$14.71	$17.21	$15.89	$11.54
Number of accumulation units outstanding at end of period	0	651	562	417	404	746	386	1,039	753	29,008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during May 2012)
Value at beginning of period	$16.31	$14.66	$14.33	$13.30	$10.22	$9.08
Value at end of period	$19.91	$16.31	$14.66	$14.33	$13.30	$10.22
Number of accumulation units outstanding at end of period	0	0	0	0	804	712
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$22.82	$22.65	$21.73	$21.29	$16.97	$14.20	$15.54	$13.93	$10.24	$15.06
Value at end of period	$29.09	$22.82	$22.65	$21.73	$21.29	$16.97	$14.20	$15.54	$13.93	$10.24
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	238	161	90
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$23.64	$22.03	$21.13	$19.54	$14.76	$12.37	$13.14	$11.82	$8.88	$14.73
Value at end of period	$29.50	$23.64	$22.03	$21.13	$19.54	$14.76	$12.37	$13.14	$11.82	$8.88
Number of accumulation units outstanding at end of period	1,085	0	0	0	3,332	4,156	3,878	5,030	14,426	45,109
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$20.39	$18.64	$19.14	$17.85	$15.27	$13.79	$13.21	$11.93	$9.69	$12.81
Value at end of period	$22.85	$20.39	$18.64	$19.14	$17.85	$15.27	$13.79	$13.21	$11.93	$9.69
Number of accumulation units outstanding at end of period	1,246	0	0	0	1,804	1,605	1,426	245	225	4,265
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
Value at beginning of period	$21.56	$19.22	$19.46	$17.70	$13.56	$12.19	$11.51	$10.27	$8.72	$11.32
Value at end of period	$25.62	$21.56	$19.22	$19.46	$17.70	$13.56	$12.19	$11.51	$10.27	$8.72
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	24,340	16,867
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during December 2011)
Value at beginning of period	$21.51	$19.83	$20.25	$18.43	$14.39	$12.56	$12.56
Value at end of period	$24.44	$21.51	$19.83	$20.25	$18.43	$14.39	$12.56
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	294
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$25.08	$22.50	$23.58	$22.67	$18.27	$16.28	$16.94	$15.40	$12.85	$16.86
Value at end of period	$27.21	$25.08	$22.50	$23.58	$22.67	$18.27	$16.28	$16.94	$15.40	$12.85
Number of accumulation units outstanding at end of period	413	0	0	0	3,749	2,920	2,486	0	0	2,706

CFI 43


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
INVESCO MID CAP CORE EQUITY FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$22.00
Value at end of period	$23.62
Number of accumulation units outstanding at end of period	226
LORD ABBETT SMALL CAP VALUE FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$29.63
Value at end of period	$32.29
Number of accumulation units outstanding at end of period	155
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$29.00	$23.62	$24.76	$22.67	$17.45	$14.77	$15.72	$13.67	$9.43	$14.59
Value at end of period	$31.97	$29.00	$23.62	$24.76	$22.67	$17.45	$14.77	$15.72	$13.67	$9.43
Number of accumulation units outstanding at end of period	133	0	0	0	0	0	0	0	0	0
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during February 2015)
Value at beginning of period	$24.52	$19.10	$19.51
Value at end of period	$27.08	$24.52	$19.10
Number of accumulation units outstanding at end of period	0	0	11
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2009)
Value at beginning of period	$12.39	$11.77	$12.42	$12.49	$13.15	$12.31	$11.98	$10.45	$8.55
Value at end of period	$13.44	$12.39	$11.77	$12.42	$12.49	$13.15	$12.31	$11.98	$10.45
Number of accumulation units outstanding at end of period	1,307	1,259	1,567	1,552	2,336	7,110	10,977	0	1,604
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$14.71	$14.58	$14.46	$13.89	$14.25	$13.96	$13.09	$12.42	$11.92	$11.24
Value at end of period	$14.83	$14.71	$14.58	$14.46	$13.89	$14.25	$13.96	$13.09	$12.42	$11.92
Number of accumulation units outstanding at end of period	0	0	0	0	173	145	0	0	0	0
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2015)
Value at beginning of period	$15.82	$14.93	$15.80
Value at end of period	$17.96	$15.82	$14.93
Number of accumulation units outstanding at end of period	0	0	105
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2015)
Value at beginning of period	$16.95	$15.87	$15.34
Value at end of period	$19.88	$16.95	$15.87
Number of accumulation units outstanding at end of period	2,392	2,190	2,105
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2017)
Value at beginning of period	$20.55
Value at end of period	$20.86
Number of accumulation units outstanding at end of period	193
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2015)
Value at beginning of period	$13.46	$12.94	$13.50
Value at end of period	$14.55	$13.46	$12.94
Number of accumulation units outstanding at end of period	0	0	114
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$15.19	$14.75	$14.81	$14.02	$14.23	$13.17	$12.32	$11.31	$10.11	$11.31
Value at end of period	$15.75	$15.19	$14.75	$14.81	$14.02	$14.23	$13.17	$12.32	$11.31	$10.11
Number of accumulation units outstanding at end of period	0	0	0	0	872	1,710	1,336	550	8,540	5,072

CFI 44


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.09	$18.55	$17.61	$16.56
Value at end of period	$24.52	$19.09	$18.55	$17.61
Number of accumulation units outstanding at end of period	0	27	27	15
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$20.70	$21.02	$19.61	$21.04	$16.50	$13.83	$16.92	$13.69	$9.48	$19.83
Value at end of period	$27.73	$20.70	$21.02	$19.61	$21.04	$16.50	$13.83	$16.92	$13.69	$9.48
Number of accumulation units outstanding at end of period	0	67	65	37	223	0	0	0	0	8,318
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$28.24	$27.51	$26.91	$20.83	$20.62	$18.02	$16.61	$13.13	$10.21	$15.86
Value at end of period	$29.37	$28.24	$27.51	$26.91	$20.83	$20.62	$18.02	$16.61	$13.13	$10.21
Number of accumulation units outstanding at end of period	0	0	0	0	2,751	2,693	0	0	10,649	2,221
VOYA RUSSELL^TMSMALL CAP INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during January 2017)
Value at beginning of period	$19.23
Value at end of period	$21.83
Number of accumulation units outstanding at end of period	3
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.99	$15.23	$15.38	$14.70	$12.76	$11.35	$11.81	$11.05
Value at end of period	$18.26	$15.99	$15.23	$15.38	$14.70	$12.76	$11.35	$11.81
Number of accumulation units outstanding at end of period	7,555	25,034	31,587	30,235	20,670	21,580	41,308	15,565
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.81	$15.96	$16.18	$15.45	$12.96	$11.35	$12.01	$11.21
Value at end of period	$19.90	$16.81	$15.96	$16.18	$15.45	$12.96	$11.35	$12.01
Number of accumulation units outstanding at end of period	3,092	12,041	11,574	11,553	27,649	24,597	34,710	9,357
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.37	$16.47	$16.77	$15.96	$13.05	$11.39	$12.13	$11.26
Value at end of period	$20.87	$17.37	$16.47	$16.77	$15.96	$13.05	$11.39	$12.13
Number of accumulation units outstanding at end of period	2,835	12,979	11,064	9,577	22,551	20,157	38,180	14,641
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2011)
Value at beginning of period	$16.60	$15.74	$16.03	$15.22	$12.43	$10.86	$10.85
Value at end of period	$20.02	$16.60	$15.74	$16.03	$15.22	$12.43	$10.86
Number of accumulation units outstanding at end of period	1,555	1,825	1,228	938	1,048	575	1,048
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$13.58	$13.12	$13.23	$12.62	$11.90	$10.94	$11.25
Value at end of period	$14.72	$13.58	$13.12	$13.23	$12.62	$11.90	$10.94
Number of accumulation units outstanding at end of period	3,238	8,403	4,983	2,084	4,191	3,509	2,872
VOYA STRATEGIC ALLOCATION MODERATE PORTFOLIO (CLASS I)
(Funds were first received in this option during August 2017)
Value at beginning of period	$18.01
Value at end of period	$18.97
Number of accumulation units outstanding at end of period	2,072
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$31.91	$25.91	$26.57	$23.80	$18.25	$15.81	$16.45	$13.58	$10.08	$12.90
Value at end of period	$35.19	$31.91	$25.91	$26.57	$23.80	$18.25	$15.81	$16.45	$13.58	$10.08
Number of accumulation units outstanding at end of period	0	550	505	389	0	0	4,738	684	73	31

CFI 45


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$26.03	$24.90	$26.41	$25.50	$18.51	$15.58	$15.36	$12.23	$9.12	$15.63
Value at end of period	$33.12	$26.03	$24.90	$26.41	$25.50	$18.51	$15.58	$15.36	$12.23	$9.12
Number of accumulation units outstanding at end of period	174	0	0	0	6,087	177	2,015	57	181	2,248
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$19.09	$17.74	$17.35	$15.50	$11.59	$10.40	$10.99	$9.89	$7.57	$12.19
Value at end of period	$23.03	$19.09	$17.74	$17.35	$15.50	$11.59	$10.40	$10.99	$9.89	$7.57
Number of accumulation units outstanding at end of period	0	4	24	14	5,308	0	0	0	0	4,072
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.73	$10.28	$10.60	$10.43
Value at end of period	$12.88	$11.73	$10.28	$10.60
Number of accumulation units outstanding at end of period	3,798	3,485	2,945	2,761
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$29.42	$25.85	$26.86	$23.53	$18.02	$15.13	$14.97	$12.27	$9.84	$14.80
Value at end of period	$33.21	$29.42	$25.85	$26.86	$23.53	$18.02	$15.13	$14.97	$12.27	$9.84
Number of accumulation units outstanding at end of period	0	231	214	146	39	0	263	0	0	16,875
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2009)
Value at beginning of period	$20.23	$17.90	$18.94	$19.06	$17.14	$14.91	$15.17	$12.87	$8.60
Value at end of period	$21.53	$20.23	$17.90	$18.94	$19.06	$17.14	$14.91	$15.17	$12.87
Number of accumulation units outstanding at end of period	488	489	30	44	427	371	0	0	86
VY® T. ROWE PRICE EQUITY INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2017)
Value at beginning of period	$22.67
Value at end of period	$24.59
Number of accumulation units outstanding at end of period	918
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$11.62	$11.52	$12.04	$13.02	$10.94	$9.29	$11.11
Value at end of period	$14.07	$11.62	$11.52	$12.04	$13.02	$10.94	$9.29
Number of accumulation units outstanding at end of period	0	0	0	0	1,630	1,559	1,769


TABLE 17
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.80%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
ALGER CAPITAL APPRECIATION FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$26.39
Value at end of period	$27.90
Number of accumulation units outstanding at end of period	1,292
AMANA GROWTH FUND (INVESTOR CLASS)
(Funds were first received in this option during October 2017)
Value at beginning of period	$26.63
Value at end of period	$27.66
Number of accumulation units outstanding at end of period	4

CFI 46


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during January 2010)
Value at beginning of period	$19.04	$18.08	$18.69	$18.18	$14.72	$12.49	$13.66	$13.08
Value at end of period	$23.48	$19.04	$18.08	$18.69	$18.18	$14.72	$12.49	$13.66
Number of accumulation units outstanding at end of period	0	0	4,995	4,400	2,562	0	1,199	868
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during December 2009)
Value at beginning of period	$16.24	$14.60	$14.28	$13.26	$10.20	$8.80	$9.08	$8.05	$8.03
Value at end of period	$19.81	$16.24	$14.60	$14.28	$13.26	$10.20	$8.80	$9.08	$8.05
Number of accumulation units outstanding at end of period	2,656	1,384	3,729	4,896	1,915	2,615	29,036	23,608	12,424
ARTISAN INTERNATIONAL FUND (INVESTOR SHARES)
(Funds were first received in this option during October 2017)
Value at beginning of period	$20.57
Value at end of period	$21.23
Number of accumulation units outstanding at end of period	73
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during December 2009)
Value at beginning of period	$15.29	$13.42	$13.80	$12.44	$9.56	$8.40	$8.96	$7.78	$7.75
Value at end of period	$17.73	$15.29	$13.42	$13.80	$12.44	$9.56	$8.40	$8.96	$7.78
Number of accumulation units outstanding at end of period	0	0	0	0	0	9	4,745	4,146	1,785
INVESCO ENDEAVOR FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$22.54
Value at end of period	$23.84
Number of accumulation units outstanding at end of period	222
INVESCO GLOBAL HEALTH CARE FUND (INVESTOR CLASS)
(Funds were first received in this option during October 2017)
Value at beginning of period	$72.35
Value at end of period	$69.27
Number of accumulation units outstanding at end of period	421
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
(Funds were first received in this option during July 2010)
Value at beginning of period	$28.82	$23.48	$24.63	$22.56	$17.37	$14.72	$15.66	$13.66
Value at end of period	$31.75	$28.82	$23.48	$24.63	$22.56	$17.37	$14.72	$15.66
Number of accumulation units outstanding at end of period	0	0	1,183	1,031	74	1,370	1,228	1,095
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during June 2013)
Value at beginning of period	$24.44	$19.05	$19.38	$18.40	$15.60
Value at end of period	$26.97	$24.44	$19.05	$19.38	$18.40
Number of accumulation units outstanding at end of period	0	134	114	92	70
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2010)
Value at beginning of period	$12.33	$11.72	$12.37	$12.45	$13.11	$12.28	$11.96	$10.51
Value at end of period	$13.37	$12.33	$11.72	$12.37	$12.45	$13.11	$12.28	$11.96
Number of accumulation units outstanding at end of period	55	110	740	341	0	275	3,842	3,184
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.86	$9.37	$10.02
Value at end of period	$12.10	$9.86	$9.37
Number of accumulation units outstanding at end of period	713	618	619

CFI 47


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during December 2009)
Value at beginning of period	$20.73	$20.87	$21.45	$19.03	$18.52	$14.90	$15.91	$13.97	$13.76
Value at end of period	$22.64	$20.73	$20.87	$21.45	$19.03	$18.52	$14.90	$15.91	$13.97
Number of accumulation units outstanding at end of period	0	67	0	0	0	5	3,070	2,553	1,643
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.76	$14.89	$15.26	$14.58	$12.57	$11.23	$11.51	$10.94
Value at end of period	$17.89	$15.76	$14.89	$15.26	$14.58	$12.57	$11.23	$11.51
Number of accumulation units outstanding at end of period	11,767	28,303	11,613	12,638	13,520	24,758	10,997	75
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.90	$15.82	$16.24	$15.47	$12.81	$11.23	$12.45
Value at end of period	$19.80	$16.90	$15.82	$16.24	$15.47	$12.81	$11.23
Number of accumulation units outstanding at end of period	8,215	21,043	9,639	10,697	8,850	15,296	5,569
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.46	$16.31	$16.78	$15.96	$12.99	$11.32	$11.93	$11.22
Value at end of period	$20.78	$17.46	$16.31	$16.78	$15.96	$12.99	$11.32	$11.93
Number of accumulation units outstanding at end of period	1,827	9,608	3,701	3,561	3,497	7,819	3,800	18
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2011)
Value at beginning of period	$16.87	$15.79	$16.25	$15.43	$12.55	$10.94	$10.94
Value at end of period	$20.17	$16.87	$15.79	$16.25	$15.43	$12.55	$10.94
Number of accumulation units outstanding at end of period	1,574	3,033	3,394	2,674	2,168	243	32
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.41	$12.90	$13.17	$12.55	$11.76	$10.93	$10.75	$10.39
Value at end of period	$14.49	$13.41	$12.90	$13.17	$12.55	$11.76	$10.93	$10.75
Number of accumulation units outstanding at end of period	2,036	8,243	6,566	5,492	5,252	3,913	30	123
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2011)
Value at beginning of period	$19.03	$18.50	$17.57	$15.63	$12.06	$10.32	$10.32
Value at end of period	$24.43	$19.03	$18.50	$17.57	$15.63	$12.06	$10.32
Number of accumulation units outstanding at end of period	3,256	6,047	5,161	4,761	3,674	2,942	6,151
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during March 2015)
Value at beginning of period	$13.99	$12.45	$13.24
Value at end of period	$15.72	$13.99	$12.45
Number of accumulation units outstanding at end of period	516	501	501
VOYA MULTI-MANAGER LARGE CAP CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2017)
Value at beginning of period	$17.50
Value at end of period	$19.99
Number of accumulation units outstanding at end of period	1,019
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$30.33	$24.56	$24.95	$23.61	$17.27	$15.20	$15.72	$12.74	$10.07	$14.06
Value at end of period	$33.48	$30.33	$24.56	$24.95	$23.61	$17.27	$15.20	$15.72	$12.74	$10.07
Number of accumulation units outstanding at end of period	24	131	468	970	942	357	713	1,931	1,845	936
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.93	$15.19	$15.34	$14.67	$12.74	$11.33	$11.81	$11.05
Value at end of period	$18.19	$15.93	$15.19	$15.34	$14.67	$12.74	$11.33	$11.81
Number of accumulation units outstanding at end of period	36,674	20,707	63,183	74,560	57,881	95,426	66,828	44,874

CFI 48


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.75	$15.91	$16.14	$15.42	$12.94	$11.34	$12.01	$11.21
Value at end of period	$19.82	$16.75	$15.91	$16.14	$15.42	$12.94	$11.34	$12.01
Number of accumulation units outstanding at end of period	13,789	11,368	44,399	51,941	68,918	93,876	79,631	82,122
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.31	$16.42	$16.73	$15.93	$13.03	$11.38	$12.13	$11.26
Value at end of period	$20.79	$17.31	$16.42	$16.73	$15.93	$13.03	$11.38	$12.13
Number of accumulation units outstanding at end of period	10,765	6,717	19,775	22,387	21,590	28,438	27,548	22,931
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during July 2010)
Value at beginning of period	$16.55	$15.70	$15.99	$15.19	$12.41	$10.85	$11.55	$9.89
Value at end of period	$19.95	$16.55	$15.70	$15.99	$15.19	$12.41	$10.85	$11.55
Number of accumulation units outstanding at end of period	1,976	1,587	3,816	2,183	976	13,586	11,140	9,321
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.53	$13.08	$13.20	$12.60	$11.89	$10.93	$10.99	$10.50
Value at end of period	$14.66	$13.53	$13.08	$13.20	$12.60	$11.89	$10.93	$10.99
Number of accumulation units outstanding at end of period	24,365	1,034	21,098	4,090	3,807	20,134	14,314	17,546
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$31.70	$25.76	$26.42	$23.68	$18.17	$15.74	$16.57
Value at end of period	$34.95	$31.70	$25.76	$26.42	$23.68	$18.17	$15.74
Number of accumulation units outstanding at end of period	283	1,329	1,914	1,426	618	220	173
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$19.26	$15.69	$16.30	$15.75	$11.34	$10.01	$10.37	$8.34	$6.74	$10.31
Value at end of period	$21.19	$19.26	$15.69	$16.30	$15.75	$11.34	$10.01	$10.37	$8.34	$6.74
Number of accumulation units outstanding at end of period	0	351	467	467	467	350	109	0	0	6,145
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.72	$10.27	$10.60	$10.43
Value at end of period	$12.86	$11.72	$10.27	$10.60
Number of accumulation units outstanding at end of period	0	1,078	1,065	1,077
VY® INVESCO GROWTH AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2017)
Value at beginning of period	$22.89
Value at end of period	$23.70
Number of accumulation units outstanding at end of period	1,382
VY® JPMORGAN SMALL CAP CORE EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2017)
Value at beginning of period	$28.91
Value at end of period	$29.58
Number of accumulation units outstanding at end of period	1,081
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2009)
Value at beginning of period	$20.13	$17.81	$18.86	$18.99	$17.08	$14.86	$15.13	$12.85	$12.15
Value at end of period	$21.40	$20.13	$17.81	$18.86	$18.99	$17.08	$14.86	$15.13	$12.85
Number of accumulation units outstanding at end of period	1,903	879	719	743	792	1,023	760	1,030	1,678

CFI 49


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$22.11	$20.75	$20.50	$18.48	$13.78	$11.96	$12.52	$9.82	$6.76	$11.61
Value at end of period	$27.37	$22.11	$20.75	$20.50	$18.48	$13.78	$11.96	$12.52	$9.82	$6.76
Number of accumulation units outstanding at end of period	0	0	0	0	0	110	418	1,074	1,557	450
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$27.00
Value at end of period	$30.09
Number of accumulation units outstanding at end of period	73
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$11.56	$11.46	$11.98	$12.97	$10.90	$9.26	$10.64	$9.87	$7.55	$12.81
Value at end of period	$13.99	$11.56	$11.46	$11.98	$12.97	$10.90	$9.26	$10.64	$9.87	$7.55
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	0	0
WANGER USA
(Funds were first received in this option during October 2017)
Value at beginning of period	$32.55
Value at end of period	$33.31
Number of accumulation units outstanding at end of period	1


TABLE 18
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.85%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMANA INCOME FUND (INVESTOR CLASS)
(Funds were first received in this option during November 2017)
Value at beginning of period	$24.36
Value at end of period	$25.26
Number of accumulation units outstanding at end of period	621
AMERICAN CENTURY® INFLATION-ADJUSTED BOND FUND
(INVESTOR CLASS)
(Funds were first received in this option during November 2017)
Value at beginning of period	$12.13
Value at end of period	$12.18
Number of accumulation units outstanding at end of period	1,183
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$19.89	$18.53	$18.45	$17.14	$14.25	$12.63	$12.30	$11.02	$9.20	$12.53
Value at end of period	$22.69	$19.89	$18.53	$18.45	$17.14	$14.25	$12.63	$12.30	$11.02	$9.20
Number of accumulation units outstanding at end of period	9,082	9,126	7,837	805	0	934	5,312	35	5,448	4,758
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during October 2011)
Value at beginning of period	$18.97	$18.02	$18.64	$18.13	$14.69	$12.47	$12.65
Value at end of period	$23.38	$18.97	$18.02	$18.64	$18.13	$14.69	$12.47
Number of accumulation units outstanding at end of period	1,035	1,701	1,217	2,008	0	971	67
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$19.20	$19.29	$19.67	$20.43	$17.20	$14.60	$17.09	$15.80	$11.49	$19.54
Value at end of period	$24.81	$19.20	$19.29	$19.67	$20.43	$17.20	$14.60	$17.09	$15.80	$11.49
Number of accumulation units outstanding at end of period	2,359	3,290	8,742	6,642	10,238	5,462	7,014	2,216	3,977	2,740

CFI 50


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during January 2009)
Value at beginning of period	$16.17	$14.54	$14.24	$13.23	$10.18	$8.79	$9.06	$8.04	$6.26
Value at end of period	$19.71	$16.17	$14.54	$14.24	$13.23	$10.18	$8.79	$9.06	$8.04
Number of accumulation units outstanding at end of period	4,097	1,842	1,521	0	557	14,415	13,839	467	293
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$22.53	$22.38	$21.50	$21.08	$16.82	$14.09	$15.43	$13.85	$10.19	$16.59
Value at end of period	$28.69	$22.53	$22.38	$21.50	$21.08	$16.82	$14.09	$15.43	$13.85	$10.19
Number of accumulation units outstanding at end of period	451	4,230	3,918	1,055	726	4,327	489	4,928	19,909	17,037
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$23.34	$21.77	$20.90	$19.35	$14.63	$12.27	$13.05	$11.75	$8.84	$14.67
Value at end of period	$29.09	$23.34	$21.77	$20.90	$19.35	$14.63	$12.27	$13.05	$11.75	$8.84
Number of accumulation units outstanding at end of period	2,810	488	459	427	3,199	9,537	11,431	5,212	69,189	58,740
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$20.12	$18.42	$18.93	$17.68	$15.14	$13.68	$13.12	$11.85	$9.64	$13.73
Value at end of period	$22.54	$20.12	$18.42	$18.93	$17.68	$15.14	$13.68	$13.12	$11.85	$9.64
Number of accumulation units outstanding at end of period	0	1,101	10,170	11,310	9,511	1,451	7,241	0	3,280	127
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
Value at beginning of period	$21.28	$18.99	$19.25	$17.52	$13.44	$12.09	$11.43	$10.21	$8.68	$13.13
Value at end of period	$25.27	$21.28	$18.99	$19.25	$17.52	$13.44	$12.09	$11.43	$10.21	$8.68
Number of accumulation units outstanding at end of period	126	500	438	360	0	0	4,319	81	11,336	9,234
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$24.76	$22.24	$23.32	$22.45	$18.11	$16.15	$16.82	$15.30	$12.79	$17.65
Value at end of period	$26.83	$24.76	$22.24	$23.32	$22.45	$18.11	$16.15	$16.82	$15.30	$12.79
Number of accumulation units outstanding at end of period	1,231	0	0	0	516	1,274	485	842	15,765	14,643
FRANKLIN SMALL-MID CAP GROWTH FUND (CLASS A)
(Funds were first received in this option during March 2017)
Value at beginning of period	$23.35
Value at end of period	$26.03
Number of accumulation units outstanding at end of period	499
INVESCO GLOBAL HEALTH CARE FUND (INVESTOR CLASS)
(Funds were first received in this option during March 2017)
Value at beginning of period	$66.64
Value at end of period	$68.84
Number of accumulation units outstanding at end of period	307
INVESCO MID CAP CORE EQUITY FUND (CLASS A)
(Funds were first received in this option during March 2017)
Value at beginning of period	$21.39
Value at end of period	$23.29
Number of accumulation units outstanding at end of period	1,121
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$28.63	$23.34	$24.49	$22.44	$17.29	$14.66	$15.61	$13.59	$9.38	$14.53
Value at end of period	$31.53	$28.63	$23.34	$24.49	$22.44	$17.29	$14.66	$15.61	$13.59	$9.38
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	0	0
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2009)
Value at beginning of period	$12.27	$11.67	$12.33	$12.41	$13.08	$12.25	$11.94	$10.42	$8.54
Value at end of period	$13.30	$12.27	$11.67	$12.33	$12.41	$13.08	$12.25	$11.94	$10.42
Number of accumulation units outstanding at end of period	2,937	238	185	0	765	2,017	856	8,207	2,248

CFI 51


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.85	$9.37	$10.02
Value at end of period	$12.08	$9.85	$9.37
Number of accumulation units outstanding at end of period	0	0	857
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during October 2012)
Value at beginning of period	$20.65	$20.80	$21.39	$18.99	$18.48	$17.59
Value at end of period	$22.55	$20.65	$20.80	$21.39	$18.99	$18.48
Number of accumulation units outstanding at end of period	210	173	133	0	0	12
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$14.52	$14.41	$14.31	$13.75	$14.13	$13.85	$13.00	$12.35	$11.86	$11.20
Value at end of period	$14.62	$14.52	$14.41	$14.31	$13.75	$14.13	$13.85	$13.00	$12.35	$11.86
Number of accumulation units outstanding at end of period	0	0	0	0	0	2,205	13,864	11,312	25,702	9,001
VOYA GOVERNMENT MONEY MARKET PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$9.91
Value at end of period	$9.90
Number of accumulation units outstanding at end of period	2,949
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$15.71	$14.85	$15.22	$14.55	$12.55	$11.22	$11.62
Value at end of period	$17.82	$15.71	$14.85	$15.22	$14.55	$12.55	$11.22
Number of accumulation units outstanding at end of period	1,374	6,416	4,611	0	32,119	2,503	2,015
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.84	$15.77	$16.20	$15.44	$12.79	$11.22	$11.82
Value at end of period	$19.72	$16.84	$15.77	$16.20	$15.44	$12.79	$11.22
Number of accumulation units outstanding at end of period	1,448	4,443	4,310	0	2,776	8,635	7,655
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$17.40	$16.26	$16.74	$15.93	$12.97	$11.31	$12.04
Value at end of period	$20.70	$17.40	$16.26	$16.74	$15.93	$12.97	$11.31
Number of accumulation units outstanding at end of period	3,149	1,471	946	0	1,553	6,035	4,066
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.81	$15.74	$16.21	$15.40	$12.53	$10.93	$12.31
Value at end of period	$20.09	$16.81	$15.74	$16.21	$15.40	$12.53	$10.93
Number of accumulation units outstanding at end of period	328	0	0	0	0	67	39
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2017)
Value at beginning of period	$14.31
Value at end of period	$14.43
Number of accumulation units outstanding at end of period	3,821
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$15.00	$14.57	$14.65	$13.88	$14.10	$13.07	$12.23	$11.25	$10.06	$11.27
Value at end of period	$15.54	$15.00	$14.57	$14.65	$13.88	$14.10	$13.07	$12.23	$11.25	$10.06
Number of accumulation units outstanding at end of period	0	2,525	21,207	22,757	20,530	16,143	227	432	6,185	3,452
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.97	$18.45	$17.54	$16.50
Value at end of period	$24.34	$18.97	$18.45	$17.54
Number of accumulation units outstanding at end of period	0	0	4,122	3,873

CFI 52


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during March 2015)
Value at beginning of period	$13.96	$12.43	$13.22
Value at end of period	$15.68	$13.96	$12.43
Number of accumulation units outstanding at end of period	0	0	2,218
VOYA LARGE CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2017)
Value at beginning of period	$15.54
Value at end of period	$16.12
Number of accumulation units outstanding at end of period	228
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2017)
Value at beginning of period	$15.08
Value at end of period	$17.19
Number of accumulation units outstanding at end of period	1,524
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$20.44	$20.77	$19.40	$20.84	$16.35	$13.72	$16.81	$13.61	$9.44	$19.75
Value at end of period	$27.35	$20.44	$20.77	$19.40	$20.84	$16.35	$13.72	$16.81	$13.61	$9.44
Number of accumulation units outstanding at end of period	0	0	0	0	21	16	5	0	1,152	1,425
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$27.88	$27.18	$26.62	$20.62	$20.44	$17.88	$16.49	$13.05	$10.16	$15.80
Value at end of period	$28.97	$27.88	$27.18	$26.62	$20.62	$20.44	$17.88	$16.49	$13.05	$10.16
Number of accumulation units outstanding at end of period	0	426	452	325	23	297	129	4,745	15,439	12,248
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
(Funds were first received in this option during January 2010)
Value at beginning of period	$30.13	$24.41	$24.81	$23.49	$17.20	$15.14	$15.66	$12.32
Value at end of period	$33.25	$30.13	$24.41	$24.81	$23.49	$17.20	$15.14	$15.66
Number of accumulation units outstanding at end of period	1,377	305	2,481	2,292	4,315	1,388	2,457	12,201
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.88	$15.14	$15.31	$14.65	$12.72	$11.32	$11.80	$11.05
Value at end of period	$18.12	$15.88	$15.14	$15.31	$14.65	$12.72	$11.32	$11.80
Number of accumulation units outstanding at end of period	0	3,750	3,751	4,069	20,664	23,399	16,406	16,976
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.69	$15.87	$16.10	$15.39	$12.92	$11.33	$12.00	$11.21
Value at end of period	$19.74	$16.69	$15.87	$16.10	$15.39	$12.92	$11.33	$12.00
Number of accumulation units outstanding at end of period	0	1,235	1,234	2,812	10,273	10,410	12,419	11,311
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.25	$16.37	$16.69	$15.90	$13.01	$11.37	$12.12	$11.26
Value at end of period	$20.71	$17.25	$16.37	$16.69	$15.90	$13.01	$11.37	$12.12
Number of accumulation units outstanding at end of period	0	0	0	0	6,864	8,076	8,338	6,094
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2012)
Value at beginning of period	$16.49	$15.65	$15.95	$15.16	$12.40	$11.79
Value at end of period	$19.87	$16.49	$15.65	$15.95	$15.16	$12.40
Number of accumulation units outstanding at end of period	0	0	0	1,045	0	620
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.48	$13.04	$13.17	$12.57	$11.87	$10.92	$10.99	$10.50
Value at end of period	$14.60	$13.48	$13.04	$13.17	$12.57	$11.87	$10.92	$10.99
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	5,452

CFI 53


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA STRATEGIC ALLOCATION CONSERVATIVE PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2017)
Value at beginning of period	$16.54
Value at end of period	$17.55
Number of accumulation units outstanding at end of period	214
VOYA STRATEGIC ALLOCATION GROWTH PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2017)
Value at beginning of period	$17.90
Value at end of period	$19.81
Number of accumulation units outstanding at end of period	894
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$31.50	$25.61	$26.28	$23.57	$18.09	$15.68	$16.33	$13.50	$10.03	$13.78
Value at end of period	$34.70	$31.50	$25.61	$26.28	$23.57	$18.09	$15.68	$16.33	$13.50	$10.03
Number of accumulation units outstanding at end of period	289	166	146	109	302	1,358	1,227	958	0	0
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$25.70	$24.60	$26.13	$25.25	$18.34	$15.46	$15.25	$12.16	$9.07	$15.57
Value at end of period	$32.66	$25.70	$24.60	$26.13	$25.25	$18.34	$15.46	$15.25	$12.16	$9.07
Number of accumulation units outstanding at end of period	351	0	1,117	1,323	3,577	1,898	1,248	3,632	19,885	16,166
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$18.84	$17.53	$17.17	$15.35	$11.49	$10.32	$10.92	$9.83	$7.53	$12.49
Value at end of period	$22.71	$18.84	$17.53	$17.17	$15.35	$11.49	$10.32	$10.92	$9.83	$7.53
Number of accumulation units outstanding at end of period	1,694	0	0	0	1,929	1,843	3,759	0	471	422
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$19.15	$15.62	$16.23	$15.69	$11.30	$9.98	$10.35	$8.33	$6.73	$9.90
Value at end of period	$21.07	$19.15	$15.62	$16.23	$15.69	$11.30	$9.98	$10.35	$8.33	$6.73
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	3,082	2,213
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$21.22	$18.17	$19.49	$18.01	$13.45	$11.43	$11.78	$10.32	$8.10	$12.85
Value at end of period	$24.76	$21.22	$18.17	$19.49	$18.01	$13.45	$11.43	$11.78	$10.32	$8.10
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	7	654	286
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$29.05	$25.54	$26.57	$23.30	$17.86	$15.01	$15.36
Value at end of period	$32.75	$29.05	$25.54	$26.57	$23.30	$17.86	$15.01
Number of accumulation units outstanding at end of period	40	40	40	0	2,237	4,013	3,975
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$20.02	$17.72	$18.78	$18.92	$17.02	$14.82	$15.09	$12.82	$7.76	$11.11
Value at end of period	$21.28	$20.02	$17.72	$18.78	$18.92	$17.02	$14.82	$15.09	$12.82	$7.76
Number of accumulation units outstanding at end of period	0	0	0	0	258	741	1,529	11	0	0
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$21.99	$20.64	$20.41	$18.41	$13.73	$11.93	$12.49	$9.80	$6.75	$11.98
Value at end of period	$27.21	$21.99	$20.64	$20.41	$18.41	$13.73	$11.93	$12.49	$9.80	$6.75
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	1,120	1,120
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during October 2012)
Value at beginning of period	$24.22	$22.78	$22.59	$20.41	$15.27	$14.66
Value at end of period	$29.88	$24.22	$22.78	$22.59	$20.41	$15.27
Number of accumulation units outstanding at end of period	291	252	203	0	0	52

CFI 54


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$23.95	$23.86	$21.77	$20.25	$14.70	$12.50	$12.77	$11.05	$7.82	$13.67
Value at end of period	$31.65	$23.95	$23.86	$21.77	$20.25	$14.70	$12.50	$12.77	$11.05	$7.82
Number of accumulation units outstanding at end of period	1,671	4,385	3,963	3,274	853	1,013	610	1,875	0	0
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2014)
Value at beginning of period	$11.50	$11.41	$11.93	$13.39
Value at end of period	$13.91	$11.50	$11.41	$11.93
Number of accumulation units outstanding at end of period	507	446	240	203


TABLE 19
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.90%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during May 2010)
Value at beginning of period	$16.10	$14.49	$14.19	$13.19	$10.15	$8.77	$9.05	$8.13
Value at end of period	$19.62	$16.10	$14.49	$14.19	$13.19	$10.15	$8.77	$9.05
Number of accumulation units outstanding at end of period	3,890	0	551	405	851	0	0	4,037
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$22.38	$22.25	$21.38	$20.97	$16.74	$14.03	$15.38	$13.81	$10.17	$16.56
Value at end of period	$28.49	$22.38	$22.25	$21.38	$20.97	$16.74	$14.03	$15.38	$13.81	$10.17
Number of accumulation units outstanding at end of period	599	599	1,107	1,313	1,654	2,088	1,764	75	3,715	6,272
ARTISAN INTERNATIONAL FUND (INVESTOR SHARES)
(Funds were first received in this option during February 2017)
Value at beginning of period	$17.08
Value at end of period	$21.04
Number of accumulation units outstanding at end of period	3,240
BLACKROCK EQUITY DIVIDEND FUND (INVESTOR A SHARES)
(Funds were first received in this option during February 2017)
Value at beginning of period	$20.68
Value at end of period	$23.68
Number of accumulation units outstanding at end of period	6,126
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during February 2017)
Value at beginning of period	$23.85
Value at end of period	$26.76
Number of accumulation units outstanding at end of period	1,684
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.21	$11.62	$12.28	$12.37	$13.04	$12.22	$11.92	$10.41	$8.66	$10.17
Value at end of period	$13.23	$12.21	$11.62	$12.28	$12.37	$13.04	$12.22	$11.92	$10.41	$8.66
Number of accumulation units outstanding at end of period	731	732	2,438	2,913	3,206	3,178	3,970	0	0	516
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.84	$9.36	$10.02
Value at end of period	$12.06	$9.84	$9.36
Number of accumulation units outstanding at end of period	1	39	900

CFI 55


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2013)
Value at beginning of period	$15.66	$14.80	$15.18	$14.52	$14.52
Value at end of period	$17.75	$15.66	$14.80	$15.18	$14.52
Number of accumulation units outstanding at end of period	299	0	18,049	18,640	17,434
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2010)
Value at beginning of period	$16.78	$15.73	$16.16	$15.41	$12.78	$11.21	$11.71	$10.66
Value at end of period	$19.65	$16.78	$15.73	$16.16	$15.41	$12.78	$11.21	$11.71
Number of accumulation units outstanding at end of period	5,261	0	6,798	8,559	7,360	0	0	625
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2010)
Value at beginning of period	$17.34	$16.22	$16.70	$15.90	$12.95	$11.30	$11.92	$10.48
Value at end of period	$20.61	$17.34	$16.22	$16.70	$15.90	$12.95	$11.30	$11.92
Number of accumulation units outstanding at end of period	15,050	0	303	293	293	0	0	1,337
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2010)
Value at beginning of period	$16.76	$15.70	$16.17	$15.37	$12.52	$10.92	$11.51	$9.87
Value at end of period	$20.01	$16.76	$15.70	$16.17	$15.37	$12.52	$10.92	$11.51
Number of accumulation units outstanding at end of period	7,771	0	53	0	0	0	0	14
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2015)
Value at beginning of period	$13.32	$12.83	$13.14
Value at end of period	$14.38	$13.32	$12.83
Number of accumulation units outstanding at end of period	2,599	0	3,887
VOYA LARGE-CAP GROWTH FUND (CLASS A)
(Funds were first received in this option during February 2017)
Value at beginning of period	$22.50
Value at end of period	$27.68
Number of accumulation units outstanding at end of period	8,520
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.91	$18.40	$17.50	$16.47
Value at end of period	$24.26	$18.91	$18.40	$17.50
Number of accumulation units outstanding at end of period	0	0	0	1,374
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$15.74
Value at end of period	$17.15
Number of accumulation units outstanding at end of period	959
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$20.31	$20.65	$19.29	$20.73	$16.28	$13.67	$16.75	$13.57	$9.41	$18.23
Value at end of period	$27.16	$20.31	$20.65	$19.29	$20.73	$16.28	$13.67	$16.75	$13.57	$9.41
Number of accumulation units outstanding at end of period	2	2	2	2	92	0	0	0	3,835	3,472
VOYA SMALLCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$31.30
Value at end of period	$35.55
Number of accumulation units outstanding at end of period	564
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$29.94	$24.27	$24.68	$23.37	$17.12	$15.09	$15.61	$12.66	$10.02	$14.20
Value at end of period	$33.02	$29.94	$24.27	$24.68	$23.37	$17.12	$15.09	$15.61	$12.66	$10.02
Number of accumulation units outstanding at end of period	410	1,057	1,140	1,130	1,216	5,456	3,149	3,707	5,030	3,899

CFI 56


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.82	$15.10	$15.27	$14.62	$12.71	$11.31	$11.80	$11.05
Value at end of period	$18.04	$15.82	$15.10	$15.27	$14.62	$12.71	$11.31	$11.80
Number of accumulation units outstanding at end of period	4,751	25,156	23,245	28,831	43,183	93,082	86,354	20,323
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.63	$15.82	$16.06	$15.36	$12.90	$11.32	$12.00	$11.21
Value at end of period	$19.66	$16.63	$15.82	$16.06	$15.36	$12.90	$11.32	$12.00
Number of accumulation units outstanding at end of period	5,412	5,412	6,089	20,031	15,162	48,269	37,474	19,069
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.20	$16.32	$16.65	$15.87	$12.99	$11.36	$12.12	$11.26
Value at end of period	$20.62	$17.20	$16.32	$16.65	$15.87	$12.99	$11.36	$12.12
Number of accumulation units outstanding at end of period	0	205	1,482	3,830	3,464	18,481	16,773	16,356
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2011)
Value at beginning of period	$16.44	$15.61	$15.92	$15.13	$12.38	$10.83	$11.56
Value at end of period	$19.80	$16.44	$15.61	$15.92	$15.13	$12.38	$10.83
Number of accumulation units outstanding at end of period	0	0	929	629	402	525	147
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.44	$13.00	$13.14	$12.55	$11.85	$10.91	$10.98	$10.50
Value at end of period	$14.55	$13.44	$13.00	$13.14	$12.55	$11.85	$10.91	$10.98
Number of accumulation units outstanding at end of period	88	88	1,314	125	106	1,430	272	89
VOYA U.S. BOND INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$12.36
Value at end of period	$12.56
Number of accumulation units outstanding at end of period	1,529
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$31.30	$25.45	$26.14	$23.45	$18.01	$15.62	$16.28	$13.46	$10.01	$12.90
Value at end of period	$34.46	$31.30	$25.45	$26.14	$23.45	$18.01	$15.62	$16.28	$13.46	$10.01
Number of accumulation units outstanding at end of period	0	0	0	0	0	1,101	1,022	960	848	671
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$25.53	$24.46	$25.98	$25.13	$18.26	$15.40	$15.20	$12.12	$9.05	$15.54
Value at end of period	$32.44	$25.53	$24.46	$25.98	$25.13	$18.26	$15.40	$15.20	$12.12	$9.05
Number of accumulation units outstanding at end of period	5,681	832	1,243	5,018	3,818	9,123	9,476	3,011	8,067	8,759
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$18.72	$17.42	$17.07	$15.27	$11.44	$10.28	$10.88	$9.80	$7.51	$10.34
Value at end of period	$22.56	$18.72	$17.42	$17.07	$15.27	$11.44	$10.28	$10.88	$9.80	$7.51
Number of accumulation units outstanding at end of period	0	0	0	2,856	3,259	4,773	6,524	1,695	1,051	1,850
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$19.05	$15.54	$16.16	$15.63	$11.27	$9.95	$10.32	$8.31	$6.73	$10.01
Value at end of period	$20.94	$19.05	$15.54	$16.16	$15.63	$11.27	$9.95	$10.32	$8.31	$6.73
Number of accumulation units outstanding at end of period	0	0	179	5,705	4,806	6,845	6,554	2,673	1,641	1,284
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$28.86	$25.39	$26.42	$23.18	$17.78	$14.95	$14.82	$12.16	$9.76	$14.72
Value at end of period	$32.53	$28.86	$25.39	$26.42	$23.18	$17.78	$14.95	$14.82	$12.16	$9.76
Number of accumulation units outstanding at end of period	3,165	492	1,657	3,460	3,478	9,002	8,228	1,361	2,287	2,156

CFI 57


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2010)
Value at beginning of period	$19.91	$17.64	$18.69	$18.84	$16.97	$14.78	$15.06	$13.83
Value at end of period	$21.15	$19.91	$17.64	$18.69	$18.84	$16.97	$14.78	$15.06
Number of accumulation units outstanding at end of period	1,660	0	208	382	541	232	1,254	1,292
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during April 2010)
Value at beginning of period	$21.87	$20.54	$20.32	$18.33	$13.68	$11.89	$12.46	$10.86
Value at end of period	$27.05	$21.87	$20.54	$20.32	$18.33	$13.68	$11.89	$12.46
Number of accumulation units outstanding at end of period	0	95	95	95	95	7,250	3,682	4,605
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$23.80	$23.71	$21.65	$20.15	$14.63	$12.45	$12.73	$11.02	$7.80	$12.87
Value at end of period	$31.43	$23.80	$23.71	$21.65	$20.15	$14.63	$12.45	$12.73	$11.02	$7.80
Number of accumulation units outstanding at end of period	0	77	277	274	267	2,545	2,694	2,056	504	249


TABLE 20
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 0.95%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$18.95	$19.06	$19.46	$20.23	$17.05	$14.48	$16.97	$15.71	$11.43	$19.46
Value at end of period	$24.46	$18.95	$19.06	$19.46	$20.23	$17.05	$14.48	$16.97	$15.71	$11.43
Number of accumulation units outstanding at end of period	6,050	2,906	2,060	7,030	6,927	18,028	9,880	11,134	9,608	391
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during May 2012)
Value at beginning of period	$16.03	$14.43	$14.14	$13.15	$10.13	$9.74
Value at end of period	$19.53	$16.03	$14.43	$14.14	$13.15	$10.13
Number of accumulation units outstanding at end of period	5,008	0	0	3,886	3,751	3,254
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$22.24	$22.12	$21.26	$20.87	$16.67	$13.98	$15.32	$13.77	$10.14	$16.53
Value at end of period	$28.29	$22.24	$22.12	$21.26	$20.87	$16.67	$13.98	$15.32	$13.77	$10.14
Number of accumulation units outstanding at end of period	6,569	0	0	3,811	3,704	11,634	0	13,899	12,505	8,826
COLUMBIA MID CAP VALUE FUND (CLASS A)
(Funds were first received in this option during May 2017)
Value at beginning of period	$16.79
Value at end of period	$18.44
Number of accumulation units outstanding at end of period	306
CRM MID CAP VALUE FUND (INVESTOR SHARES)
(Funds were first received in this option during May 2017)
Value at beginning of period	$24.18
Value at end of period	$27.10
Number of accumulation units outstanding at end of period	743
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$28.26	$23.06	$24.23	$22.22	$17.14	$14.54	$15.50	$13.51	$9.34	$14.47
Value at end of period	$31.10	$28.26	$23.06	$24.23	$22.22	$17.14	$14.54	$15.50	$13.51	$9.34
Number of accumulation units outstanding at end of period	1,226	0	0	1,038	775	16,683	16,265	17,492	18,489	19,046

CFI 58


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2016)
Value at beginning of period	$12.15	$11.59
Value at end of period	$13.16	$12.15
Number of accumulation units outstanding at end of period	0	4,139
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$14.34	$14.24	$14.15	$13.61	$14.00	$13.74	$12.91	$12.27	$11.80	$11.15
Value at end of period	$14.42	$14.34	$14.24	$14.15	$13.61	$14.00	$13.74	$12.91	$12.27	$11.80
Number of accumulation units outstanding at end of period	11,120	0	0	11,972	10,802	36,600	17,376	17,161	16,395	16,213
VOYA HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$19.08
Value at end of period	$19.47
Number of accumulation units outstanding at end of period	4,188
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.72	$15.68	$16.12	$15.38	$12.76	$11.19	$12.16
Value at end of period	$19.57	$16.72	$15.68	$16.12	$15.38	$12.76	$11.19
Number of accumulation units outstanding at end of period	0	0	0	0	0	331	331
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$17.28	$16.17	$16.66	$15.87	$12.93	$11.29	$12.43
Value at end of period	$20.53	$17.28	$16.17	$16.66	$15.87	$12.93	$11.29
Number of accumulation units outstanding at end of period	0	0	0	0	0	528	527
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$16.70	$15.65	$16.13	$15.34	$12.50	$10.91	$11.51	$11.53
Value at end of period	$19.94	$16.70	$15.65	$16.13	$15.34	$12.50	$10.91	$11.51
Number of accumulation units outstanding at end of period	0	0	0	0	0	80	80	3
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$13.28	$12.79	$13.08	$12.48	$11.70	$10.90	$10.88
Value at end of period	$14.32	$13.28	$12.79	$13.08	$12.48	$11.70	$10.90
Number of accumulation units outstanding at end of period	0	0	0	0	0	286	186
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$15.70
Value at end of period	$17.11
Number of accumulation units outstanding at end of period	3,320
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2012)
Value at beginning of period	$29.74	$24.12	$24.54	$23.26	$17.04	$16.71
Value at end of period	$32.79	$29.74	$24.12	$24.54	$23.26	$17.04
Number of accumulation units outstanding at end of period	1,872	0	0	1,357	1,299	1,041
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.77	$15.05	$15.23	$14.59	$12.69	$11.30	$11.79	$11.05
Value at end of period	$17.97	$15.77	$15.05	$15.23	$14.59	$12.69	$11.30	$11.79
Number of accumulation units outstanding at end of period	52,155	28	36,904	52,344	16,137	32,841	24,939	84,983
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.58	$15.77	$16.02	$15.33	$12.88	$11.31	$11.99	$11.21
Value at end of period	$19.59	$16.58	$15.77	$16.02	$15.33	$12.88	$11.31	$11.99
Number of accumulation units outstanding at end of period	99,202	608	70,586	73,391	6,028	25,040	48,325	86,507

CFI 59


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.14	$16.28	$16.61	$15.84	$12.97	$11.35	$12.11	$11.26
Value at end of period	$20.54	$17.14	$16.28	$16.61	$15.84	$12.97	$11.35	$12.11
Number of accumulation units outstanding at end of period	41,417	1,092	15,420	38,117	22,398	75,086	11,051	18,498
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2011)
Value at beginning of period	$16.38	$15.57	$15.88	$15.11	$12.36	$10.83	$11.76
Value at end of period	$19.72	$16.38	$15.57	$15.88	$15.11	$12.36	$10.83
Number of accumulation units outstanding at end of period	6,005	192	1,796	841	88	164	221
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.39	$12.96	$13.10	$12.53	$11.83	$10.90	$10.98	$10.50
Value at end of period	$14.49	$13.39	$12.96	$13.10	$12.53	$11.83	$10.90	$10.98
Number of accumulation units outstanding at end of period	54,183	43	40,254	9,439	8,560	9,432	89	6,512
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during June 2011)
Value at beginning of period	$31.09	$25.30	$26.00	$23.33	$17.93	$15.56	$16.15
Value at end of period	$34.22	$31.09	$25.30	$26.00	$23.33	$17.93	$15.56
Number of accumulation units outstanding at end of period	122	122	122	122	146	146	9,637
VY® CLARION REAL ESTATE PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$17.38
Value at end of period	$18.30
Number of accumulation units outstanding at end of period	2,277
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$18.60	$17.32	$16.98	$15.20	$11.38	$10.24	$10.84	$9.77	$7.49	$12.21
Value at end of period	$22.40	$18.60	$17.32	$16.98	$15.20	$11.38	$10.24	$10.84	$9.77	$7.49
Number of accumulation units outstanding at end of period	1,378	43	1,062	1,033	0	0	883	854	0	192
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$18.95	$15.47	$16.09	$15.57	$11.23	$9.93	$10.30	$8.30	$6.72	$10.29
Value at end of period	$20.82	$18.95	$15.47	$16.09	$15.57	$11.23	$9.93	$10.30	$8.30	$6.72
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	0	0
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$20.95	$17.95	$19.27	$17.83	$13.33	$11.34	$11.70	$10.26	$8.06	$12.80
Value at end of period	$24.42	$20.95	$17.95	$19.27	$17.83	$13.33	$11.34	$11.70	$10.26	$8.06
Number of accumulation units outstanding at end of period	4	5,792	5,192	4,869	4,726	2,900	2,107	209	209	209
VY® T. ROWE PRICE EQUITY INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$21.15
Value at end of period	$23.92
Number of accumulation units outstanding at end of period	10,863
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2016)
Value at beginning of period	$11.37	$10.84
Value at end of period	$13.74	$11.37
Number of accumulation units outstanding at end of period	0	587
WANGER INTERNATIONAL
(Funds were first received in this option during May 2017)
Value at beginning of period	$13.46
Value at end of period	$15.15
Number of accumulation units outstanding at end of period	4,842

CFI 60


Condensed Financial Information (continued)





TABLE 21
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.00%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during June 2016)
Value at beginning of period	$18.75	$18.21
Value at end of period	$23.08	$18.75
Number of accumulation units outstanding at end of period	0	1,026
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during May 2011)
Value at beginning of period	$15.96	$14.38	$14.10	$13.11	$10.10	$8.74	$9.65
Value at end of period	$19.43	$15.96	$14.38	$14.10	$13.11	$10.10	$8.74
Number of accumulation units outstanding at end of period	0	2,522	2,090	1,808	0	0	6,999
BLACKROCK MID CAP VALUE OPPORTUNITIES FUND
(INVESTOR A SHARES)
(Funds were first received in this option during October 2017)
Value at beginning of period	$27.53
Value at end of period	$28.63
Number of accumulation units outstanding at end of period	52
LORD ABBETT DEVELOPING GROWTH FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$25.44
Value at end of period	$27.03
Number of accumulation units outstanding at end of period	56
MASSACHUSETTS INVESTORS GROWTH STOCK FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$24.76
Value at end of period	$26.45
Number of accumulation units outstanding at end of period	485
OPPENHEIMER INTERNATIONAL BOND FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$11.72
Value at end of period	$11.87
Number of accumulation units outstanding at end of period	187
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during February 2013)
Value at beginning of period	$24.10	$18.82	$19.19	$18.26	$14.86
Value at end of period	$26.55	$24.10	$18.82	$19.19	$18.26
Number of accumulation units outstanding at end of period	0	1,020	861	839	57
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$12.09	$11.52	$12.18	$12.29	$12.97	$12.17	$12.09
Value at end of period	$13.09	$12.09	$11.52	$12.18	$12.29	$12.97	$12.17
Number of accumulation units outstanding at end of period	0	0	0	0	0	3	717
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$15.55	$14.72	$15.11	$14.53
Value at end of period	$17.61	$15.55	$14.72	$15.11
Number of accumulation units outstanding at end of period	0	2,137	204	13

CFI 61


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.66	$15.64	$16.08	$15.38
Value at end of period	$19.49	$16.66	$15.64	$16.08
Number of accumulation units outstanding at end of period	295	12,641	10,330	596
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during January 2014)
Value at beginning of period	$17.22	$16.12	$16.61	$15.39
Value at end of period	$20.45	$17.22	$16.12	$16.61
Number of accumulation units outstanding at end of period	0	12,375	7,742	3,558
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$16.65	$15.61	$16.10	$15.29
Value at end of period	$19.86	$16.65	$15.61	$16.10
Number of accumulation units outstanding at end of period	0	5,438	1,773	1,055
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2014)
Value at beginning of period	$13.23	$12.75	$13.04	$12.37
Value at end of period	$14.26	$13.23	$12.75	$13.04
Number of accumulation units outstanding at end of period	1,223	6,328	5,427	27
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during March 2015)
Value at beginning of period	$13.88	$12.38	$13.18
Value at end of period	$15.57	$13.88	$12.38
Number of accumulation units outstanding at end of period	145	1,002	2,024
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
(Funds were first received in this option during December 2012)
Value at beginning of period	$20.05	$20.40	$19.08	$20.53	$16.14	$15.41
Value at end of period	$26.78	$20.05	$20.40	$19.08	$20.53	$16.14
Number of accumulation units outstanding at end of period	526	1,067	1,555	1,465	227	228
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.71	$15.01	$15.19	$14.56	$12.67	$11.29	$11.79	$11.05
Value at end of period	$17.90	$15.71	$15.01	$15.19	$14.56	$12.67	$11.29	$11.79
Number of accumulation units outstanding at end of period	3,104	77,614	77,501	78,297	85,218	91,845	113,861	102,087
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.52	$15.73	$15.98	$15.30	$12.86	$11.30	$11.99	$11.20
Value at end of period	$19.51	$16.52	$15.73	$15.98	$15.30	$12.86	$11.30	$11.99
Number of accumulation units outstanding at end of period	5,635	62,452	58,598	53,538	51,551	71,016	88,192	68,623
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.08	$16.23	$16.57	$15.81	$12.95	$11.34	$12.11	$11.26
Value at end of period	$20.46	$17.08	$16.23	$16.57	$15.81	$12.95	$11.34	$12.11
Number of accumulation units outstanding at end of period	2,434	68,145	64,302	63,437	49,292	65,264	90,907	65,046
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.33	$15.52	$15.84	$15.08	$12.35	$10.82	$11.77
Value at end of period	$19.65	$16.33	$15.52	$15.84	$15.08	$12.35	$10.82
Number of accumulation units outstanding at end of period	1,290	7,420	4,687	3,571	1,724	870	268

CFI 62


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.34	$12.92	$13.07	$12.50	$11.82	$10.89	$10.97	$10.50
Value at end of period	$14.43	$13.34	$12.92	$13.07	$12.50	$11.82	$10.89	$10.97
Number of accumulation units outstanding at end of period	240	18,179	22,203	138	2,715	17,302	28,346	32,230
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
Value at beginning of period	$30.89	$25.15	$25.85	$23.22	$17.85	$15.50	$16.16	$13.38	$9.96	$12.84
Value at end of period	$33.99	$30.89	$25.15	$25.85	$23.22	$17.85	$15.50	$16.16	$13.38	$9.96
Number of accumulation units outstanding at end of period	286	233	0	0	0	0	0	9,179	0	7,245
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2009)
Value at beginning of period	$18.48	$17.22	$16.89	$15.12	$11.33	$10.20	$10.81	$9.74	$7.43
Value at end of period	$22.24	$18.48	$17.22	$16.89	$15.12	$11.33	$10.20	$10.81	$9.74
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	739	0	819
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$18.85	$15.39	$16.02	$15.51	$11.19	$9.90	$10.27	$8.28	$6.71	$10.28
Value at end of period	$20.70	$18.85	$15.39	$16.02	$15.51	$11.19	$9.90	$10.27	$8.28	$6.71
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	0	0
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$19.70	$17.47	$18.53	$18.70	$16.85	$14.70	$14.99	$12.75	$7.73	$10.64
Value at end of period	$20.91	$19.70	$17.47	$18.53	$18.70	$16.85	$14.70	$14.99	$12.75	$7.73
Number of accumulation units outstanding at end of period	0	2,392	1,895	1,619	340	110	0	0	0	14
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during February 2013)
Value at beginning of period	$23.75	$22.38	$22.22	$20.11	$16.12
Value at end of period	$29.27	$23.75	$22.38	$22.22	$20.11
Number of accumulation units outstanding at end of period	11	11	11	7,339	6,901
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2013)
Value at beginning of period	$11.31	$11.24	$11.78	$12.77	$12.67
Value at end of period	$13.66	$11.31	$11.24	$11.78	$12.77
Number of accumulation units outstanding at end of period	0	0	41	85	63


TABLE 22
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.05%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
ALGER CAPITAL APPRECIATION FUND (CLASS A)
(Funds were first received in this option during May 2017)
Value at beginning of period	$24.07
Value at end of period	$27.35
Number of accumulation units outstanding at end of period	1
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during March 2012)
Value at beginning of period	$18.68	$17.78	$18.43	$17.97	$14.58	$13.28
Value at end of period	$22.98	$18.68	$17.78	$18.43	$17.97	$14.58
Number of accumulation units outstanding at end of period	0	0	71	2,545	1,691	1,410
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during December 2009)

CFI 63


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Value at beginning of period	$15.90	$14.32	$14.05	$13.08	$10.08	$8.72	$9.02	$8.01	$7.96
Value at end of period	$19.34	$15.90	$14.32	$14.05	$13.08	$10.08	$8.72	$9.02	$8.01
Number of accumulation units outstanding at end of period	918	1,975	43	8,318	2,107	2,457	2,251	3,697	1,959
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$21.95	$21.85	$21.03	$20.67	$16.52	$13.87	$15.22	$13.69	$10.09	$16.46
Value at end of period	$27.90	$21.95	$21.85	$21.03	$20.67	$16.52	$13.87	$15.22	$13.69	$10.09
Number of accumulation units outstanding at end of period	215	113	512	83	1,856	4,958	1,641	247	0	4,178
BLACKROCK MID CAP VALUE OPPORTUNITIES FUND
(INVESTOR A SHARES)
(Funds were first received in this option during May 2017)
Value at beginning of period	$25.95
Value at end of period	$28.51
Number of accumulation units outstanding at end of period	486
DODGE & COX INTERNATIONAL STOCK FUND
(Funds were first received in this option during May 2017)
Value at beginning of period	$14.93
Value at end of period	$16.16
Number of accumulation units outstanding at end of period	2,730
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during February 2013)
Value at beginning of period	$21.02	$19.44	$19.91	$18.18	$15.00
Value at end of period	$23.82	$21.02	$19.44	$19.91	$18.18
Number of accumulation units outstanding at end of period	0	0	0	433	248
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$24.13	$21.71	$22.82	$22.01	$17.79	$15.90	$16.59	$15.12	$12.66	$17.51
Value at end of period	$26.10	$24.13	$21.71	$22.82	$22.01	$17.79	$15.90	$16.59	$15.12	$12.66
Number of accumulation units outstanding at end of period	2,530	1,097	659	282	983	3,813	2,758	3,949	3,509	94
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$27.90	$22.79	$23.96	$22.00	$16.99	$14.43	$15.39	$13.43	$9.29	$14.42
Value at end of period	$30.67	$27.90	$22.79	$23.96	$22.00	$16.99	$14.43	$15.39	$13.43	$9.29
Number of accumulation units outstanding at end of period	0	0	0	0	29	76	0	247	271	2,215
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during February 2014)
Value at beginning of period	$24.02	$18.77	$19.14	$18.36
Value at end of period	$26.45	$24.02	$18.77	$19.14
Number of accumulation units outstanding at end of period	140	152	328	323
VOYA BALANCED PORTFOLIO (CLASS I)
(Funds were first received in this option during September 2017)
Value at beginning of period	$17.08
Value at end of period	$17.94
Number of accumulation units outstanding at end of period	9
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$12.03	$11.47	$12.14	$12.25	$12.93	$12.14	$11.85	$10.36	$8.63	$10.42
Value at end of period	$13.02	$12.03	$11.47	$12.14	$12.25	$12.93	$12.14	$11.85	$10.36	$8.63
Number of accumulation units outstanding at end of period	625	0	3,648	119	0	0	2,911	0	0	1,772
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2014)
Value at beginning of period	$20.33	$20.52	$21.15	$19.21
Value at end of period	$22.16	$20.33	$20.52	$21.15
Number of accumulation units outstanding at end of period	0	0	0	805

CFI 64


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.50	$14.67	$15.07	$14.43	$12.48	$11.17	$11.49	$10.93
Value at end of period	$17.54	$15.50	$14.67	$15.07	$14.43	$12.48	$11.17	$11.49
Number of accumulation units outstanding at end of period	942	733	537	2,589	1,379	214	9,890	19,061
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.61	$15.59	$16.04	$15.32	$12.72	$11.17	$11.69	$11.08
Value at end of period	$19.41	$16.61	$15.59	$16.04	$15.32	$12.72	$11.17	$11.69
Number of accumulation units outstanding at end of period	462	300	60	1,719	1,408	0	9,647	14,267
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.16	$16.07	$16.57	$15.81	$12.90	$11.27	$11.90	$11.22
Value at end of period	$20.37	$17.16	$16.07	$16.57	$15.81	$12.90	$11.27	$11.90
Number of accumulation units outstanding at end of period	583	291	43	0	0	0	3,297	7,659
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2014)
Value at beginning of period	$16.59	$15.57	$16.06	$15.95
Value at end of period	$19.78	$16.59	$15.57	$16.06
Number of accumulation units outstanding at end of period	89	53	12	140
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.18	$12.71	$13.01	$12.43	$11.67	$10.88	$10.73	$10.37
Value at end of period	$14.21	$13.18	$12.71	$13.01	$12.43	$11.67	$10.88	$10.73
Number of accumulation units outstanding at end of period	682	512	264	7	7	0	3,789	3,638
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.74	$18.26	$17.39	$16.38
Value at end of period	$24.00	$18.74	$18.26	$17.39
Number of accumulation units outstanding at end of period	301	327	0	2,397
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during January 2017)
Value at beginning of period	$13.94
Value at end of period	$15.53
Number of accumulation units outstanding at end of period	3,641
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during June 2010)
Value at beginning of period	$26.38	$25.08	$23.60	$21.15	$16.23	$14.36	$13.96	$11.77
Value at end of period	$34.18	$26.38	$25.08	$23.60	$21.15	$16.23	$14.36	$13.96
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	84
VOYA RUSSELL^TMLARGE CAP INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$17.73
Value at end of period	$20.18
Number of accumulation units outstanding at end of period	52
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$29.36	$23.84	$24.28	$23.03	$16.89	$14.91	$15.45	$12.55	$9.94	$14.57
Value at end of period	$32.34	$29.36	$23.84	$24.28	$23.03	$16.89	$14.91	$15.45	$12.55	$9.94
Number of accumulation units outstanding at end of period	318	755	1,396	484	168	1,002	1,079	2,303	951	47
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.66	$14.96	$15.16	$14.53	$12.65	$11.28	$11.78	$11.05
Value at end of period	$17.83	$15.66	$14.96	$15.16	$14.53	$12.65	$11.28	$11.78
Number of accumulation units outstanding at end of period	446	15,382	25,322	9,222	22,095	25,932	19,974	7,177

CFI 65


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.46	$15.68	$15.94	$15.27	$12.84	$11.29	$11.98	$11.20
Value at end of period	$19.43	$16.46	$15.68	$15.94	$15.27	$12.84	$11.29	$11.98
Number of accumulation units outstanding at end of period	5,064	14,493	20,393	5,392	10,752	42,193	7,540	4,297
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.02	$16.18	$16.53	$15.78	$12.93	$11.33	$12.10	$11.26
Value at end of period	$20.38	$17.02	$16.18	$16.53	$15.78	$12.93	$11.33	$12.10
Number of accumulation units outstanding at end of period	3,658	6,569	10,151	3,590	4,933	16,914	5,188	2,440
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.27	$15.48	$15.81	$15.05	$12.33	$10.81	$12.14
Value at end of period	$19.57	$16.27	$15.48	$15.81	$15.05	$12.33	$10.81
Number of accumulation units outstanding at end of period	1,215	903	1,598	2,018	1,448	464	499
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$13.30	$12.89	$13.04	$12.48	$11.80	$10.88	$11.33
Value at end of period	$14.37	$13.30	$12.89	$13.04	$12.48	$11.80	$10.88
Number of accumulation units outstanding at end of period	762	1,557	12,095	108	6	10,382	856
VOYA STRATEGIC ALLOCATION CONSERVATIVE PORTFOLIO (CLASS I)
(Funds were first received in this option during November 2017)
Value at beginning of period	$16.87
Value at end of period	$17.07
Number of accumulation units outstanding at end of period	9
VOYA STRATEGIC ALLOCATION GROWTH PORTFOLIO (CLASS I)
(Funds were first received in this option during November 2017)
Value at beginning of period	$18.82
Value at end of period	$19.27
Number of accumulation units outstanding at end of period	199
VOYA U.S. BOND INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$12.37
Value at end of period	$12.37
Number of accumulation units outstanding at end of period	10
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2014)
Value at beginning of period	$18.75	$15.32	$15.95	$15.83
Value at end of period	$20.58	$18.75	$15.32	$15.95
Number of accumulation units outstanding at end of period	539	538	541	25
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.64	$10.23	$10.58	$10.43
Value at end of period	$12.74	$11.64	$10.23	$10.58
Number of accumulation units outstanding at end of period	0	0	0	2,844
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$28.31	$24.94	$25.99	$22.84	$17.55	$14.78	$14.67	$12.05	$9.69	$14.63
Value at end of period	$31.86	$28.31	$24.94	$25.99	$22.84	$17.55	$14.78	$14.67	$12.05	$9.69
Number of accumulation units outstanding at end of period	1,703	1,888	1,853	1,883	1,302	340	68	1,966	715	107
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$21.51	$20.23	$20.04	$18.11	$13.54	$11.78	$12.36	$9.72	$6.71	$10.81
Value at end of period	$26.56	$21.51	$20.23	$20.04	$18.11	$13.54	$11.78	$12.36	$9.72	$6.71
Number of accumulation units outstanding at end of period	116	116	204	238	204	1,788	2,159	0	0	4,991

CFI 66


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during June 2011)
Value at beginning of period	$23.60	$22.25	$22.10	$20.01	$15.00	$13.09	$14.26
Value at end of period	$29.06	$23.60	$22.25	$22.10	$20.01	$15.00	$13.09
Number of accumulation units outstanding at end of period	235	256	0	0	0	46	42
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.25	$11.19	$11.73	$12.77
Value at end of period	$13.58	$11.25	$11.19	$11.73
Number of accumulation units outstanding at end of period	0	0	432	378


TABLE 23
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.10%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during May 2009)
Value at beginning of period	$15.83	$14.27	$14.00	$13.04	$10.06	$8.71	$9.00	$8.01	$6.48
Value at end of period	$19.25	$15.83	$14.27	$14.00	$13.04	$10.06	$8.71	$9.00	$8.01
Number of accumulation units outstanding at end of period	1,327	2,312	5,146	4,999	4,828	5,202	6,871	1,808	485
COLUMBIA DIVERSIFIED EQUITY INCOME FUND (CLASS R4)
(Funds were first received in this option during January 2009)
Value at beginning of period	$14.90	$13.11	$13.53	$12.23	$9.43	$8.31	$8.89	$7.74	$6.24
Value at end of period	$17.23	$14.90	$13.11	$13.53	$12.23	$9.43	$8.31	$8.89	$7.74
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	4,188
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during July 2010)
Value at beginning of period	$20.94	$19.38	$19.86	$18.13	$14.21	$12.44	$13.20	$11.04
Value at end of period	$23.72	$20.94	$19.38	$19.86	$18.13	$14.21	$12.44	$13.20
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	13
FIDELITY® VIP GROWTH PORTFOLIO (INITIAL CLASS)
(Funds were first received in this option during March 2017)
Value at beginning of period	$20.51
Value at end of period	$24.82
Number of accumulation units outstanding at end of period	1,071
FIDELITY ADVISOR® NEW INSIGHTS FUND (CLASS I)
(Funds were first received in this option during April 2017)
Value at beginning of period	$21.98
Value at end of period	$25.77
Number of accumulation units outstanding at end of period	623
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
(Funds were first received in this option during October 2009)
Value at beginning of period	$27.72	$22.65	$23.83	$21.90	$16.91	$14.37	$15.34	$13.39	$12.19
Value at end of period	$30.45	$27.72	$22.65	$23.83	$21.90	$16.91	$14.37	$15.34	$13.39
Number of accumulation units outstanding at end of period	0	0	0	0	605	775	421	368	374

CFI 67


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during June 2009)
Value at beginning of period	$11.98	$11.42	$12.09	$12.21	$12.89	$12.11	$11.83	$10.35	$9.09
Value at end of period	$12.95	$11.98	$11.42	$12.09	$12.21	$12.89	$12.11	$11.83	$10.35
Number of accumulation units outstanding at end of period	1,276	2,276	723	1,063	3,039	5,015	4,506	4,788	2,501
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.80	$9.34	$10.02
Value at end of period	$11.99	$9.80	$9.34
Number of accumulation units outstanding at end of period	166	142	114
VOYA GOVERNMENT MONEY MARKET PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$9.58
Value at end of period	$9.57
Number of accumulation units outstanding at end of period	76
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2011)
Value at beginning of period	$15.44	$14.63	$15.04	$14.41	$12.46	$11.16	$11.29
Value at end of period	$17.47	$15.44	$14.63	$15.04	$14.41	$12.46	$11.16
Number of accumulation units outstanding at end of period	32,035	30,687	4,791	4,781	1,245	17,122	17,741
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.55	$15.54	$16.00	$15.29	$12.70	$11.16	$11.69	$11.07
Value at end of period	$19.34	$16.55	$15.54	$16.00	$15.29	$12.70	$11.16	$11.69
Number of accumulation units outstanding at end of period	9,617	10,095	927	8,995	8,060	14,585	19,601	390
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$17.10	$16.03	$16.53	$15.78	$12.88	$11.26	$11.90	$11.22
Value at end of period	$20.29	$17.10	$16.03	$16.53	$15.78	$12.88	$11.26	$11.90
Number of accumulation units outstanding at end of period	1,536	1,908	799	594	387	461	3,331	300
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2011)
Value at beginning of period	$16.54	$15.52	$16.02	$15.26	$12.45	$10.88	$11.08
Value at end of period	$19.71	$16.54	$15.52	$16.02	$15.26	$12.45	$10.88
Number of accumulation units outstanding at end of period	88	54	0	0	0	0	451
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2015)
Value at beginning of period	$13.14	$12.68	$12.99
Value at end of period	$14.15	$13.14	$12.68
Number of accumulation units outstanding at end of period	7,628	11,692	4,296
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.68	$18.21	$17.36	$16.35
Value at end of period	$23.91	$18.68	$18.21	$17.36
Number of accumulation units outstanding at end of period	610	606	572	572
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$19.79	$20.16	$18.88	$20.33	$15.99	$13.45	$16.52	$13.41	$9.32	$9.32
Value at end of period	$26.41	$19.79	$20.16	$18.88	$20.33	$15.99	$13.45	$16.52	$13.41	$9.32
Number of accumulation units outstanding at end of period	0	0	0	0	1,201	1,654	840	74	0	1,056
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2010)
Value at beginning of period	$26.28	$24.99	$23.54	$21.10	$16.20	$14.34	$13.95	$12.89
Value at end of period	$34.03	$26.28	$24.99	$23.54	$21.10	$16.20	$14.34	$13.95
Number of accumulation units outstanding at end of period	311	161	150	243	0	0	1,046	140

CFI 68


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA RUSSELL^TMLARGE CAP VALUE INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2009)
Value at beginning of period	$23.25	$20.39	$21.42	$19.30	$14.84	$12.94	$13.01	$11.84	$10.06
Value at end of period	$26.03	$23.25	$20.39	$21.42	$19.30	$14.84	$12.94	$13.01	$11.84
Number of accumulation units outstanding at end of period	165	155	138	106	26	4,890	4,504	3,932	4,723
VOYA SMALLCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during April 2017)
Value at beginning of period	$31.20
Value at end of period	$34.94
Number of accumulation units outstanding at end of period	64
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$29.17	$23.69	$24.15	$22.91	$16.82	$14.85	$15.40	$12.51	$9.92	$14.55
Value at end of period	$32.11	$29.17	$23.69	$24.15	$22.91	$16.82	$14.85	$15.40	$12.51	$9.92
Number of accumulation units outstanding at end of period	687	1,197	484	570	338	431	535	66	33	0
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.60	$14.92	$15.12	$14.50	$12.63	$11.27	$11.78	$11.04
Value at end of period	$17.76	$15.60	$14.92	$15.12	$14.50	$12.63	$11.27	$11.78
Number of accumulation units outstanding at end of period	13,383	18,919	5,101	9,174	12,448	11,218	54,416	66,377
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.41	$15.63	$15.91	$15.24	$12.83	$11.28	$11.98	$11.20
Value at end of period	$19.36	$16.41	$15.63	$15.91	$15.24	$12.83	$11.28	$11.98
Number of accumulation units outstanding at end of period	17,018	22,701	15,695	8,806	10,491	9,383	76,157	57,032
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.96	$16.13	$16.49	$15.75	$12.92	$11.32	$12.10	$11.25
Value at end of period	$20.30	$16.96	$16.13	$16.49	$15.75	$12.92	$11.32	$12.10
Number of accumulation units outstanding at end of period	4,903	7,317	6,299	1,436	1,566	1,395	34,417	27,319
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2011)
Value at beginning of period	$16.22	$15.44	$15.77	$15.02	$12.31	$10.80	$11.76
Value at end of period	$19.50	$16.22	$15.44	$15.77	$15.02	$12.31	$10.80
Number of accumulation units outstanding at end of period	242	104	0	114	0	0	57
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.25	$12.85	$13.01	$12.45	$11.78	$10.87	$10.96	$10.49
Value at end of period	$14.32	$13.25	$12.85	$13.01	$12.45	$11.78	$10.87	$10.96
Number of accumulation units outstanding at end of period	3,594	3,489	870	60	0	0	17,995	9,865
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during January 2010)
Value at beginning of period	$30.50	$24.85	$25.57	$22.99	$17.69	$15.38	$16.05	$13.30
Value at end of period	$33.52	$30.50	$24.85	$25.57	$22.99	$17.69	$15.38	$16.05
Number of accumulation units outstanding at end of period	0	492	275	275	62	223	24	200
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$18.24	$17.01	$16.70	$14.97	$11.23	$10.12	$10.73	$9.68	$7.44	$12.37
Value at end of period	$21.94	$18.24	$17.01	$16.70	$14.97	$11.23	$10.12	$10.73	$9.68	$7.44
Number of accumulation units outstanding at end of period	3,348	3,272	3,065	228	0	0	1,314	6,410	2,446	7,366
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2009)
Value at beginning of period	$18.65	$15.24	$15.88	$15.39	$11.12	$9.84	$10.23	$8.25	$7.83
Value at end of period	$20.46	$18.65	$15.24	$15.88	$15.39	$11.12	$9.84	$10.23	$8.25
Number of accumulation units outstanding at end of period	310	322	0	47	0	186	170	0	7

CFI 69


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$19.49	$17.30	$18.37	$18.56	$16.74	$14.61	$14.92	$12.70	$7.71	$11.07
Value at end of period	$20.67	$19.49	$17.30	$18.37	$18.56	$16.74	$14.61	$14.92	$12.70	$7.71
Number of accumulation units outstanding at end of period	230	232	0	0	0	499	514	441	0	1,076
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$11.19	$11.14	$11.67	$12.68	$10.68	$9.11	$10.49	$9.76	$7.49	$12.17
Value at end of period	$13.51	$11.19	$11.14	$11.67	$12.68	$10.68	$9.11	$10.49	$9.76	$7.49
Number of accumulation units outstanding at end of period	67	414	378	0	1,372	1,370	852	880	702	598


TABLE 24
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.15%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during May 2011)
Value at beginning of period	$18.54	$17.67	$18.33	$17.88	$14.53	$12.37	$14.18
Value at end of period	$22.78	$18.54	$17.67	$18.33	$17.88	$14.53	$12.37
Number of accumulation units outstanding at end of period	0	0	0	0	0	3,655	3,501
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during July 2010)
Value at beginning of period	$15.76	$14.21	$13.96	$13.00	$10.03	$8.69	$8.99	$7.88
Value at end of period	$19.15	$15.76	$14.21	$13.96	$13.00	$10.03	$8.69	$8.99
Number of accumulation units outstanding at end of period	0	1,943	1,471	75	2,548	523	0	357
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$21.67	$21.60	$20.80	$20.46	$16.37	$13.76	$15.11	$13.61	$10.04	$16.40
Value at end of period	$27.52	$21.67	$21.60	$20.80	$20.46	$16.37	$13.76	$15.11	$13.61	$10.04
Number of accumulation units outstanding at end of period	0	1,390	1,331	1,168	1,167	971	2,039	123	19	138
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$19.36	$17.78	$18.32	$17.16	$14.74	$13.36	$12.85	$11.65	$9.50	$13.57
Value at end of period	$21.62	$19.36	$17.78	$18.32	$17.16	$14.74	$13.36	$12.85	$11.65	$9.50
Number of accumulation units outstanding at end of period	25	303	399	684	47	120	2,254	223	616	510
FIDELITY® VIP EQUITY-INCOME PORTFOLIO (INITIAL CLASS)
(Funds were first received in this option during May 2017)
Value at beginning of period	$18.94
Value at end of period	$20.81
Number of accumulation units outstanding at end of period	117
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during December 2012)
Value at beginning of period	$23.86	$18.66	$19.05	$18.15	$13.85	$13.78
Value at end of period	$26.24	$23.86	$18.66	$19.05	$18.15	$13.85
Number of accumulation units outstanding at end of period	0	256	159	32	672	603
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$11.92	$11.37	$12.05	$12.17	$12.86	$12.08	$11.81	$10.34	$8.62	$10.14
Value at end of period	$12.88	$11.92	$11.37	$12.05	$12.17	$12.86	$12.08	$11.81	$10.34	$8.62
Number of accumulation units outstanding at end of period	0	1,033	953	1,208	1,184	985	0	29	0	165

CFI 70


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA INDEX PLUS SMALLCAP PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$23.04
Value at end of period	$25.48
Number of accumulation units outstanding at end of period	230
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2012)
Value at beginning of period	$15.39	$14.59	$15.00	$14.38	$12.45	$12.02
Value at end of period	$17.40	$15.39	$14.59	$15.00	$14.38	$12.45
Number of accumulation units outstanding at end of period	2,685	0	0	0	9	237
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2012)
Value at beginning of period	$16.49	$15.50	$15.96	$15.26	$12.68	$12.64
Value at end of period	$19.26	$16.49	$15.50	$15.96	$15.26	$12.68
Number of accumulation units outstanding at end of period	1,772	0	0	0	437	5
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$17.04	$15.98	$16.49	$15.75	$12.86	$11.25	$12.47
Value at end of period	$20.21	$17.04	$15.98	$16.49	$15.75	$12.86	$11.25
Number of accumulation units outstanding at end of period	2,736	136	89	0	1,730	1,510	790
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.48	$15.48	$15.98	$15.23	$12.43	$10.87	$12.05
Value at end of period	$19.63	$16.48	$15.48	$15.98	$15.23	$12.43	$10.87
Number of accumulation units outstanding at end of period	0	2,096	635	30	536	1,715	1,357
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2012)
Value at beginning of period	$13.09	$12.64	$12.95	$12.38	$11.64	$11.61
Value at end of period	$14.10	$13.09	$12.64	$12.95	$12.38	$11.64
Number of accumulation units outstanding at end of period	0	0	0	0	15	8
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2015)
Value at beginning of period	$18.62	$18.17	$16.75
Value at end of period	$23.83	$18.62	$18.17
Number of accumulation units outstanding at end of period	0	1,041	1,684
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during March 2015)
Value at beginning of period	$13.80	$12.32	$13.14
Value at end of period	$15.46	$13.80	$12.32
Number of accumulation units outstanding at end of period	0	0	2
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$19.66	$20.04	$18.77	$20.23	$15.92	$13.40	$16.46	$13.37	$9.30	$19.52
Value at end of period	$26.23	$19.66	$20.04	$18.77	$20.23	$15.92	$13.40	$16.46	$13.37	$9.30
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	1,048	673
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$28.99	$23.55	$24.01	$22.80	$16.74	$14.79	$15.34	$12.48	$9.89	$14.52
Value at end of period	$31.89	$28.99	$23.55	$24.01	$22.80	$16.74	$14.79	$15.34	$12.48	$9.89
Number of accumulation units outstanding at end of period	0	0	132	0	127	0	0	5	8,645	6
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.55	$14.87	$15.08	$14.47	$12.61	$11.26	$11.77	$11.04
Value at end of period	$17.69	$15.55	$14.87	$15.08	$14.47	$12.61	$11.26	$11.77
Number of accumulation units outstanding at end of period	3,639	2,657	8,252	5,909	7,702	3,074	27,331	55,388

CFI 71


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.35	$15.59	$15.87	$15.21	$12.81	$11.27	$11.97	$11.20
Value at end of period	$19.28	$16.35	$15.59	$15.87	$15.21	$12.81	$11.27	$11.97
Number of accumulation units outstanding at end of period	4,813	1,529	5,707	361	7,148	1,517	15,789	15,418
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.90	$16.09	$16.45	$15.72	$12.90	$11.31	$12.09	$11.25
Value at end of period	$20.22	$16.90	$16.09	$16.45	$15.72	$12.90	$11.31	$12.09
Number of accumulation units outstanding at end of period	944	2,842	629	0	740	2,059	10,143	12,517
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2013)
Value at beginning of period	$16.17	$15.39	$15.73	$15.00	$14.70
Value at end of period	$19.42	$16.17	$15.39	$15.73	$15.00
Number of accumulation units outstanding at end of period	1,269	0	147	0	83
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.21	$12.81	$12.98	$12.43	$11.77	$10.86	$10.96	$10.49
Value at end of period	$14.26	$13.21	$12.81	$12.98	$12.43	$11.77	$10.86	$10.96
Number of accumulation units outstanding at end of period	1,832	148	2,436	0	53	1,605	2,000	4,328
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during May 2011)
Value at beginning of period	$30.30	$24.71	$25.43	$22.88	$17.62	$15.31	$16.56
Value at end of period	$33.29	$30.30	$24.71	$25.43	$22.88	$17.62	$15.31
Number of accumulation units outstanding at end of period	0	0	0	0	0	956	919
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$24.72	$23.74	$25.28	$24.51	$17.86	$15.10	$14.94	$11.95	$8.94	$15.39
Value at end of period	$31.33	$24.72	$23.74	$25.28	$24.51	$17.86	$15.10	$14.94	$11.95	$8.94
Number of accumulation units outstanding at end of period	447	2,813	1,699	1,209	3,355	3,265	2,404	766	3,538	2,585
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$18.55	$15.17	$15.81	$15.33	$11.08	$9.81	$10.20	$8.24	$6.68	$9.42
Value at end of period	$20.34	$18.55	$15.17	$15.81	$15.33	$11.08	$9.81	$10.20	$8.24	$6.68
Number of accumulation units outstanding at end of period	0	0	63	0	46	0	0	0	4	19
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$11.78
Value at end of period	$12.70
Number of accumulation units outstanding at end of period	181
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$27.94	$24.64	$25.71	$22.62	$17.39	$14.66	$14.56	$11.98	$9.65	$14.57
Value at end of period	$31.42	$27.94	$24.64	$25.71	$22.62	$17.39	$14.66	$14.56	$11.98	$9.65
Number of accumulation units outstanding at end of period	17	1,338	965	283	1,945	3,237	1,490	57	1,377	1,212
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$19.39	$17.22	$18.29	$18.49	$16.69	$14.57	$14.88	$12.68	$7.70	$11.06
Value at end of period	$20.55	$19.39	$17.22	$18.29	$18.49	$16.69	$14.57	$14.88	$12.68	$7.70
Number of accumulation units outstanding at end of period	0	944	833	5	969	497	625	0	0	0
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$11.13	$11.08	$11.62	$12.63	$10.65	$9.08	$10.46	$9.75	$7.48	$12.74
Value at end of period	$13.43	$11.13	$11.08	$11.62	$12.63	$10.65	$9.08	$10.46	$9.75	$7.48
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	0	0	0

CFI 72


Condensed Financial Information (continued)





TABLE 25
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.20%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - AMERICAN BALANCED FUND® (CLASS R-3)
Value at beginning of period	$19.01	$17.78	$17.76	$16.56	$13.81	$12.28	$12.01	$10.79	$9.05	$12.36
Value at end of period	$21.62	$19.01	$17.78	$17.76	$16.56	$13.81	$12.28	$12.01	$10.79	$9.05
Number of accumulation units outstanding at end of period	8	9	10	8,999	8,888	12	13	3,422	2,811	1,755
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during February 2013)
Value at beginning of period	$18.47	$17.61	$18.27	$17.84	$15.04
Value at end of period	$22.68	$18.47	$17.61	$18.27	$17.84
Number of accumulation units outstanding at end of period	0	0	0	661	508
AMERICAN FUNDS® - EUROPACIFIC GROWTH FUND® (CLASS R-3)
Value at beginning of period	$18.35	$18.50	$18.93	$19.74	$16.68	$14.20	$16.68	$15.48	$11.29	$19.28
Value at end of period	$23.63	$18.35	$18.50	$18.93	$19.74	$16.68	$14.20	$16.68	$15.48	$11.29
Number of accumulation units outstanding at end of period	2,280	398	722	2,392	1,942	7,084	6,411	9,993	7,665	205
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during February 2013)
Value at beginning of period	$15.69	$14.16	$13.91	$12.97	$10.54
Value at end of period	$19.06	$15.69	$14.16	$13.91	$12.97
Number of accumulation units outstanding at end of period	0	0	0	1,286	1,004
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during November 2009)
Value at beginning of period	$21.53	$21.47	$20.69	$20.36	$16.30	$13.70	$15.06	$13.57	$13.04
Value at end of period	$27.33	$21.53	$21.47	$20.69	$20.36	$16.30	$13.70	$15.06	$13.57
Number of accumulation units outstanding at end of period	28	23	1	52	441	1	2	2	2
AMERICAN FUNDS® - THE GROWTH FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$22.31	$20.88	$20.12	$18.69	$14.18	$11.94	$12.74	$11.51	$8.69	$14.47
Value at end of period	$27.71	$22.31	$20.88	$20.12	$18.69	$14.18	$11.94	$12.74	$11.51	$8.69
Number of accumulation units outstanding at end of period	6,680	288	191	2,195	1,128	2,260	1,841	10,672	6,647	2,227
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$19.24	$17.67	$18.22	$17.07	$14.67	$13.31	$12.80	$11.61	$9.47	$13.54
Value at end of period	$21.47	$19.24	$17.67	$18.22	$17.07	$14.67	$13.31	$12.80	$11.61	$9.47
Number of accumulation units outstanding at end of period	98	98	0	209	0	9,918	8,816	13,051	10,756	4,214
AMERICAN FUNDS® - WASHINGTON MUTUAL INVESTORS FUND^SM
(CLASS R-3)
(Funds were first received in this option during November 2009)
Value at beginning of period	$20.34	$18.22	$18.53	$16.92	$13.03	$11.76	$11.16	$10.00	$9.54
Value at end of period	$24.07	$20.34	$18.22	$18.53	$16.92	$13.03	$11.76	$11.16	$10.00
Number of accumulation units outstanding at end of period	87	56	1	1,075	490	2	2	3	3
ARIEL APPRECIATION FUND (INVESTOR CLASS)
(Funds were first received in this option during October 2017)
Value at beginning of period	$23.35
Value at end of period	$24.57
Number of accumulation units outstanding at end of period	611
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$23.67	$21.33	$22.45	$21.68	$17.55	$15.71	$16.42	$14.99	$12.57	$17.41
Value at end of period	$25.56	$23.67	$21.33	$22.45	$21.68	$17.55	$15.71	$16.42	$14.99	$12.57
Number of accumulation units outstanding at end of period	617	0	0	0	0	0	0	2,937	1,571	1,129

CFI 73


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during January 2016)
Value at beginning of period	$9.78	$9.05
Value at end of period	$11.95	$9.78
Number of accumulation units outstanding at end of period	12	12
VOYA GNMA INCOME FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$14.00
Value at end of period	$13.93
Number of accumulation units outstanding at end of period	2,247
VOYA GOVERNMENT MONEY MARKET PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$9.45
Value at end of period	$9.43
Number of accumulation units outstanding at end of period	2,362
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2011)
Value at beginning of period	$15.34	$14.54	$14.96	$14.35	$12.43	$11.14	$10.95
Value at end of period	$17.34	$15.34	$14.54	$14.96	$14.35	$12.43	$11.14
Number of accumulation units outstanding at end of period	0	481	394	3,650	6,085	4,908	964
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2010)
Value at beginning of period	$16.44	$15.45	$15.92	$15.23	$12.66	$11.14	$11.68	$10.77
Value at end of period	$19.19	$16.44	$15.45	$15.92	$15.23	$12.66	$11.14	$11.68
Number of accumulation units outstanding at end of period	0	0	0	0	186	0	48	6,135
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2011)
Value at beginning of period	$16.98	$15.93	$16.45	$15.72	$12.84	$11.24	$11.31
Value at end of period	$20.13	$16.98	$15.93	$16.45	$15.72	$12.84	$11.24
Number of accumulation units outstanding at end of period	0	0	0	4,376	1,106	0	46
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2017)
Value at beginning of period	$13.81
Value at end of period	$14.04
Number of accumulation units outstanding at end of period	268
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$14.34	$13.98	$14.11	$13.41	$13.67	$12.71	$11.94	$11.02	$9.88	$11.12
Value at end of period	$14.80	$14.34	$13.98	$14.11	$13.41	$13.67	$12.71	$11.94	$11.02	$9.88
Number of accumulation units outstanding at end of period	3,562	220	0	0	0	22,939	20,152	18,204	15,259	491
VOYA INTERNATIONAL INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during November 2017)
Value at beginning of period	$10.49
Value at end of period	$10.64
Number of accumulation units outstanding at end of period	24
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2016)
Value at beginning of period	$18.57	$17.62
Value at end of period	$23.74	$18.57
Number of accumulation units outstanding at end of period	28	28
VOYA LARGE CAP VALUE FUND (CLASS A)
(Funds were first received in this option during January 2016)
Value at beginning of period	$13.77	$11.99
Value at end of period	$15.42	$13.77
Number of accumulation units outstanding at end of period	59	59

CFI 74


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA REAL ESTATE FUND (CLASS A)
Value at beginning of period	$26.65	$26.07	$25.62	$19.92	$19.81	$17.39	$16.10	$12.79	$9.98	$15.58
Value at end of period	$27.59	$26.65	$26.07	$25.62	$19.92	$19.81	$17.39	$16.10	$12.79	$9.98
Number of accumulation units outstanding at end of period	451	0	0	13	0	1,282	1,096	942	686	2,591
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during March 2011)
Value at beginning of period	$26.08	$24.83	$23.40	$21.01	$16.14	$14.30	$13.82
Value at end of period	$33.74	$26.08	$24.83	$23.40	$21.01	$16.14	$14.30
Number of accumulation units outstanding at end of period	36	4	0	0	128	114	98
VOYA RUSSELL^TMLARGE CAP VALUE INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2011)
Value at beginning of period	$23.07	$20.25	$21.30	$19.21	$14.79	$12.91	$13.81
Value at end of period	$25.81	$23.07	$20.25	$21.30	$19.21	$14.79	$12.91
Number of accumulation units outstanding at end of period	0	0	0	0	49	34	16
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$28.80	$23.41	$23.88	$22.69	$16.67	$14.73	$15.29	$12.44	$9.87	$14.49
Value at end of period	$31.67	$28.80	$23.41	$23.88	$22.69	$16.67	$14.73	$15.29	$12.44	$9.87
Number of accumulation units outstanding at end of period	297	196	235	305	511	3,321	2,267	3,899	1,950	6,097
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.50	$14.83	$15.04	$14.45	$12.60	$11.25	$11.76	$11.04
Value at end of period	$17.62	$15.50	$14.83	$15.04	$14.45	$12.60	$11.25	$11.76
Number of accumulation units outstanding at end of period	35,567	766	3,642	4,040	0	1,058	902	17,301
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.29	$15.54	$15.83	$15.18	$12.79	$11.26	$11.97	$11.20
Value at end of period	$19.20	$16.29	$15.54	$15.83	$15.18	$12.79	$11.26	$11.97
Number of accumulation units outstanding at end of period	47,705	0	0	3,798	1,252	2,365	1,728	12,732
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.84	$16.04	$16.41	$15.69	$12.88	$11.30	$12.08	$11.25
Value at end of period	$20.14	$16.84	$16.04	$16.41	$15.69	$12.88	$11.30	$12.08
Number of accumulation units outstanding at end of period	33,700	3,163	2,865	5,226	0	585	198	5,682
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2017)
Value at beginning of period	$18.51
Value at end of period	$19.35
Number of accumulation units outstanding at end of period	21,165
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.16	$12.77	$12.94	$12.40	$11.75	$10.85	$10.95	$10.49
Value at end of period	$14.21	$13.16	$12.77	$12.94	$12.40	$11.75	$10.85	$10.95
Number of accumulation units outstanding at end of period	23,332	850	3,296	0	0	0	0	2,071
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during February 2013)
Value at beginning of period	$30.11	$24.56	$25.30	$22.76	$18.75
Value at end of period	$33.06	$30.11	$24.56	$25.30	$22.76
Number of accumulation units outstanding at end of period	0	54	50	20	258
VY® BARON GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2009)
Value at beginning of period	$24.56	$23.60	$25.15	$24.39	$17.78	$15.04	$14.89	$11.91	$11.40
Value at end of period	$31.11	$24.56	$23.60	$25.15	$24.39	$17.78	$15.04	$14.89	$11.91
Number of accumulation units outstanding at end of period	1,664	324	697	581	495	1,892	1,802	2,929	1,415

CFI 75


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2010)
Value at beginning of period	$18.01	$16.81	$16.52	$14.82	$11.13	$10.04	$10.66	$9.12
Value at end of period	$21.63	$18.01	$16.81	$16.52	$14.82	$11.13	$10.04	$10.66
Number of accumulation units outstanding at end of period	562	0	0	0	107	107	107	1,387
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2010)
Value at beginning of period	$20.28	$17.42	$18.75	$17.39	$13.04	$11.12	$11.50	$10.73
Value at end of period	$23.58	$20.28	$17.42	$18.75	$17.39	$13.04	$11.12	$11.50
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	32	7
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$27.76	$24.50	$25.57	$22.51	$17.32	$14.60	$14.51	$11.95	$9.62	$13.60
Value at end of period	$31.20	$27.76	$24.50	$25.57	$22.51	$17.32	$14.60	$14.51	$11.95	$9.62
Number of accumulation units outstanding at end of period	0	0	0	42	41	1,154	990	6,553	609	185
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$19.29	$17.13	$18.21	$18.41	$16.63	$14.53	$14.85	$12.66	$7.69	$11.05
Value at end of period	$20.43	$19.29	$17.13	$18.21	$18.41	$16.63	$14.53	$14.85	$12.66	$7.69
Number of accumulation units outstanding at end of period	0	53	283	283	263	0	0	0	0	0
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$21.15	$19.93	$19.77	$17.89	$13.40	$11.68	$12.27	$9.66	$6.68	$11.52
Value at end of period	$26.09	$21.15	$19.93	$19.77	$17.89	$13.40	$11.68	$12.27	$9.66	$6.68
Number of accumulation units outstanding at end of period	990	117	95	0	0	160	126	100	70	21
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during November 2011)
Value at beginning of period	$23.15	$21.85	$21.74	$19.71	$14.81	$12.93	$13.18
Value at end of period	$28.46	$23.15	$21.85	$21.74	$19.71	$14.81	$12.93
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	32
VY® T. ROWE PRICE GROWTH EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$22.89	$22.88	$20.95	$19.56	$14.25	$12.16	$12.47	$10.83	$7.68	$13.49
Value at end of period	$30.14	$22.89	$22.88	$20.95	$19.56	$14.25	$12.16	$12.47	$10.83	$7.68
Number of accumulation units outstanding at end of period	0	0	0	0	2,838	0	0	4,095	3,475	3,086
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$11.07	$11.03	$11.57	$12.58	$10.61	$9.05	$10.44	$9.73	$7.47	$12.73
Value at end of period	$13.35	$11.07	$11.03	$11.57	$12.58	$10.61	$9.05	$10.44	$9.73	$7.47
Number of accumulation units outstanding at end of period	0	0	0	0	56	0	2	2,480	2,208	1,872


TABLE 26
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.25%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
ALLIANZGI NFJ SMALL-CAP VALUE FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$26.70
Value at end of period	$29.07
Number of accumulation units outstanding at end of period	59

CFI 76


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMANA GROWTH FUND (INVESTOR CLASS)
(Funds were first received in this option during May 2017)
Value at beginning of period	$23.20
Value at end of period	$26.60
Number of accumulation units outstanding at end of period	221
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.40	$17.55	$18.22	$17.80	$14.48	$12.34	$13.56	$12.98
Value at end of period	$22.58	$18.40	$17.55	$18.22	$17.80	$14.48	$12.34	$13.56
Number of accumulation units outstanding at end of period	1,278	224	446	360	2,858	464	1,936	484
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during March 2011)
Value at beginning of period	$15.62	$14.11	$13.86	$12.93	$9.99	$8.66	$8.97
Value at end of period	$18.97	$15.62	$14.11	$13.86	$12.93	$9.99	$8.66
Number of accumulation units outstanding at end of period	0	0	0	2	6,893	1,558	873
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$21.39	$21.34	$20.58	$20.26	$16.23	$13.65	$15.01	$13.53	$9.99	$14.93
Value at end of period	$27.14	$21.39	$21.34	$20.58	$20.26	$16.23	$13.65	$15.01	$13.53	$9.99
Number of accumulation units outstanding at end of period	0	0	375	3,398	1,477	1,255	1,505	6,542	2,355	1,436
BLACKROCK MID CAP VALUE OPPORTUNITIES FUND
(INVESTOR A SHARES)
(Funds were first received in this option during August 2017)
Value at beginning of period	$25.94
Value at end of period	$28.02
Number of accumulation units outstanding at end of period	2
COLUMBIA ACORN® FUND (CLASS A SHARES)
(Funds were first received in this option during June 2017)
Value at beginning of period	$21.34
Value at end of period	$23.56
Number of accumulation units outstanding at end of period	809
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during March 2011)
Value at beginning of period	$20.70	$19.18	$19.69	$18.01	$14.13	$12.39	$13.19
Value at end of period	$23.41	$20.70	$19.18	$19.69	$18.01	$14.13	$12.39
Number of accumulation units outstanding at end of period	0	0	0	0	0	57	33
INVESCO MID CAP CORE EQUITY FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$20.56
Value at end of period	$22.03
Number of accumulation units outstanding at end of period	70
LORD ABBETT DEVELOPING GROWTH FUND (CLASS A)
(Funds were first received in this option during August 2017)
Value at beginning of period	$22.98
Value at end of period	$26.51
Number of accumulation units outstanding at end of period	6
PIONEER HIGH YIELD FUND (CLASS A SHARES)
(Funds were first received in this option during June 2017)
Value at beginning of period	$18.20
Value at end of period	$18.48
Number of accumulation units outstanding at end of period	798

CFI 77


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
PIONEER STRATEGIC INCOME FUND (CLASS A SHARES)
(Funds were first received in this option during May 2017)
Value at beginning of period	$12.98
Value at end of period	$13.17
Number of accumulation units outstanding at end of period	529
VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (CLASS R)
(Funds were first received in this option during March 2012)
Value at beginning of period	$23.69	$18.55	$18.95	$18.08	$13.81	$13.06
Value at end of period	$26.03	$23.69	$18.55	$18.95	$18.08	$13.81
Number of accumulation units outstanding at end of period	0	0	0	0	301	247
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during January 2010)
Value at beginning of period	$11.80	$11.27	$11.95	$12.09	$12.78	$12.03	$11.76	$10.38
Value at end of period	$12.74	$11.80	$11.27	$11.95	$12.09	$12.78	$12.03	$11.76
Number of accumulation units outstanding at end of period	0	0	0	140	3,528	3,434	3,617	6,261
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during February 2013)
Value at beginning of period	$20.02	$20.25	$20.91	$18.64	$18.39
Value at end of period	$21.78	$20.02	$20.25	$20.91	$18.64
Number of accumulation units outstanding at end of period	0	0	0	102	883
VOYA GROWTH AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during August 2017)
Value at beginning of period	$25.28
Value at end of period	$27.00
Number of accumulation units outstanding at end of period	167
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$15.28	$14.50	$14.93	$14.32	$12.41	$11.13	$11.47	$11.34
Value at end of period	$17.27	$15.28	$14.50	$14.93	$14.32	$12.41	$11.13	$11.47
Number of accumulation units outstanding at end of period	2,234	0	0	3,129	1,811	1,429	2,725	264
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.38	$15.41	$15.88	$15.20	$12.65	$11.13	$11.77
Value at end of period	$19.11	$16.38	$15.41	$15.88	$15.20	$12.65	$11.13
Number of accumulation units outstanding at end of period	567	0	0	4,301	4	1,300	937
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during March 2011)
Value at beginning of period	$16.92	$15.89	$16.41	$15.68	$12.82	$11.23	$11.99
Value at end of period	$20.05	$16.92	$15.89	$16.41	$15.68	$12.82	$11.23
Number of accumulation units outstanding at end of period	794	0	0	2,760	1,865	295	298
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2017)
Value at beginning of period	$17.93
Value at end of period	$19.48
Number of accumulation units outstanding at end of period	2,482
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2010)
Value at beginning of period	$13.00	$12.57	$12.88	$12.33	$11.60	$10.84	$10.71	$10.58
Value at end of period	$13.99	$13.00	$12.57	$12.88	$12.33	$11.60	$10.84	$10.71
Number of accumulation units outstanding at end of period	1,357	0	0	0	0	4	117	29
VOYA INTERMEDIATE BOND FUND (CLASS A)
Value at beginning of period	$14.24	$13.90	$14.03	$13.34	$13.61	$12.66	$11.90	$10.98	$9.86	$11.09
Value at end of period	$14.70	$14.24	$13.90	$14.03	$13.34	$13.61	$12.66	$11.90	$10.98	$9.86
Number of accumulation units outstanding at end of period	35	36	1,347	1,727	276	105	3,309	5,153	3,550	16,144

CFI 78


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.51	$18.07	$17.25	$16.25
Value at end of period	$23.66	$18.51	$18.07	$17.25
Number of accumulation units outstanding at end of period	349	345	331	329
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$15.03
Value at end of period	$16.86
Number of accumulation units outstanding at end of period	730
VOYA SMALLCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during June 2017)
Value at beginning of period	$32.15
Value at end of period	$34.49
Number of accumulation units outstanding at end of period	354
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.44	$14.79	$15.01	$14.42	$12.58	$11.24	$11.76	$11.04
Value at end of period	$17.55	$15.44	$14.79	$15.01	$14.42	$12.58	$11.24	$11.76
Number of accumulation units outstanding at end of period	1,747	4,975	4,614	6,625	25,696	18,923	27,097	15,857
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.24	$15.50	$15.79	$15.15	$12.77	$11.25	$11.96	$11.20
Value at end of period	$19.13	$16.24	$15.50	$15.79	$15.15	$12.77	$11.25	$11.96
Number of accumulation units outstanding at end of period	2,898	7,869	5,727	14,616	31,047	15,413	16,588	31,725
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.78	$15.99	$16.37	$15.65	$12.86	$11.29	$12.08	$11.25
Value at end of period	$20.06	$16.78	$15.99	$16.37	$15.65	$12.86	$11.29	$12.08
Number of accumulation units outstanding at end of period	869	1,667	1,571	4,854	26,128	18,106	16,133	21,654
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$16.06	$15.30	$15.66	$14.94	$12.26	$10.77	$11.51	$11.37
Value at end of period	$19.27	$16.06	$15.30	$15.66	$14.94	$12.26	$10.77	$11.51
Number of accumulation units outstanding at end of period	0	811	508	327	2,536	224	130	34
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.12	$12.73	$12.91	$12.38	$11.73	$10.84	$10.95	$10.49
Value at end of period	$14.15	$13.12	$12.73	$12.91	$12.38	$11.73	$10.84	$10.95
Number of accumulation units outstanding at end of period	1,611	3,535	3,367	1,378	6,722	3,145	2,659	2,133
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$11.58	$10.20	$10.57	$10.42
Value at end of period	$12.65	$11.58	$10.20	$10.57
Number of accumulation units outstanding at end of period	0	157	128	101
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$27.58	$24.35	$25.43	$22.39	$17.24	$14.54	$14.46	$11.91	$9.60	$14.52
Value at end of period	$30.98	$27.58	$24.35	$25.43	$22.39	$17.24	$14.54	$14.46	$11.91	$9.60
Number of accumulation units outstanding at end of period	523	73	187	166	419	351	0	2,084	49	99
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$19.18	$17.05	$18.13	$18.34	$16.57	$14.49	$14.81	$12.64	$7.68	$11.04
Value at end of period	$20.31	$19.18	$17.05	$18.13	$18.34	$16.57	$14.49	$14.81	$12.64	$7.68
Number of accumulation units outstanding at end of period	384	382	577	458	582	777	611	2,309	1,355	938

CFI 79


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$21.04	$19.83	$19.68	$17.82	$13.35	$11.64	$12.24	$9.64	$6.67	$11.88
Value at end of period	$25.93	$21.04	$19.83	$19.68	$17.82	$13.35	$11.64	$12.24	$9.64	$6.67
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	1,728	1,527	44
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2010)
Value at beginning of period	$11.01	$10.97	$11.52	$12.53	$10.58	$9.03	$10.41	$8.57
Value at end of period	$13.27	$11.01	$10.97	$11.52	$12.53	$10.58	$9.03	$10.41
Number of accumulation units outstanding at end of period	0	0	0	3	0	45	33	21
WANGER SELECT
(Funds were first received in this option during August 2017)
Value at beginning of period	$21.04
Value at end of period	$23.48
Number of accumulation units outstanding at end of period	6


TABLE 27
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.30%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMANA GROWTH FUND (INVESTOR CLASS)
(Funds were first received in this option during January 2017)
Value at beginning of period	$21.35
Value at end of period	$26.49
Number of accumulation units outstanding at end of period	455
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during October 2009)
Value at beginning of period	$15.56	$14.05	$13.82	$12.89	$9.96	$8.64	$8.96	$7.98	$7.85
Value at end of period	$18.88	$15.56	$14.05	$13.82	$12.89	$9.96	$8.64	$8.96	$7.98
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	3,897	3,253
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during October 2009)
Value at beginning of period	$21.25	$21.21	$20.47	$20.16	$16.16	$13.59	$14.96	$13.49	$13.29
Value at end of period	$26.95	$21.25	$21.21	$20.47	$20.16	$16.16	$13.59	$14.96	$13.49
Number of accumulation units outstanding at end of period	0	0	0	25	44	119	0	159	122
LORD ABBETT FUNDAMENTAL EQUITY FUND (CLASS A)
(Funds were first received in this option during January 2017)
Value at beginning of period	$19.68
Value at end of period	$21.64
Number of accumulation units outstanding at end of period	5,636
OPPENHEIMER DEVELOPING MARKETS FUND (CLASS A)
(Funds were first received in this option during January 2017)
Value at beginning of period	$29.50
Value at end of period	$38.25
Number of accumulation units outstanding at end of period	276
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during October 2009)
Value at beginning of period	$11.75	$11.22	$11.91	$12.05	$12.75	$12.00	$11.74	$10.30	$10.26
Value at end of period	$12.68	$11.75	$11.22	$11.91	$12.05	$12.75	$12.00	$11.74	$10.30
Number of accumulation units outstanding at end of period	5,018	0	0	0	0	0	0	2,388	1,425

CFI 80


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$11.35
Value at end of period	$11.92
Number of accumulation units outstanding at end of period	39
VOYA INDEX PLUS LARGECAP PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$21.57
Value at end of period	$23.01
Number of accumulation units outstanding at end of period	17
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.23	$14.46	$14.89	$14.29	$12.39	$11.12	$11.46	$10.93
Value at end of period	$17.20	$15.23	$14.46	$14.89	$14.29	$12.39	$11.12	$11.46
Number of accumulation units outstanding at end of period	0	0	3,324	2,782	1,755	1,169	0	1,360
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.32	$15.36	$15.84	$15.17	$12.63	$11.12	$11.67	$11.07
Value at end of period	$19.03	$16.32	$15.36	$15.84	$15.17	$12.63	$11.12	$11.67
Number of accumulation units outstanding at end of period	0	0	921	822	619	295	0	135
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.87	$15.84	$16.37	$15.65	$12.80	$11.22	$11.88	$11.21
Value at end of period	$19.97	$16.87	$15.84	$16.37	$15.65	$12.80	$11.22	$11.88
Number of accumulation units outstanding at end of period	0	0	398	1,197	1,182	1,752	0	93
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2013)
Value at beginning of period	$16.32	$15.35	$15.87	$15.15	$14.55
Value at end of period	$19.41	$16.32	$15.35	$15.87	$15.15
Number of accumulation units outstanding at end of period	0	0	0	158	20
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2015)
Value at beginning of period	$12.96	$12.53	$12.85
Value at end of period	$13.93	$12.96	$12.53
Number of accumulation units outstanding at end of period	0	169	2,441
VOYA INTERMEDIATE BOND FUND (CLASS A)
(Funds were first received in this option during December 2012)
Value at beginning of period	$14.15	$13.81	$13.95	$13.28	$13.55	$13.48
Value at end of period	$14.60	$14.15	$13.81	$13.95	$13.28	$13.55
Number of accumulation units outstanding at end of period	0	2,787	3,159	3,393	29	16
VOYA INTERMEDIATE BOND PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$14.17
Value at end of period	$14.54
Number of accumulation units outstanding at end of period	10,612
VOYA INTERNATIONAL INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$8.84
Value at end of period	$10.53
Number of accumulation units outstanding at end of period	1,293

CFI 81


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA LARGE CAP GROWTH PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2014)
Value at beginning of period	$18.45	$18.03	$17.21	$16.22
Value at end of period	$23.57	$18.45	$18.03	$17.21
Number of accumulation units outstanding at end of period	0	0	316	311
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during October 2017)
Value at beginning of period	$15.78
Value at end of period	$16.82
Number of accumulation units outstanding at end of period	38
VOYA RUSSELL^TMMID CAP INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$18.02
Value at end of period	$20.35
Number of accumulation units outstanding at end of period	601
VOYA RUSSELL^TMSMALL CAP INDEX PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$18.51
Value at end of period	$20.71
Number of accumulation units outstanding at end of period	102
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.39	$14.74	$14.97	$14.39	$12.56	$11.23	$11.75	$10.97
Value at end of period	$17.48	$15.39	$14.74	$14.97	$14.39	$12.56	$11.23	$11.75
Number of accumulation units outstanding at end of period	0	30,148	25,468	23,780	0	0	0	270
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.18	$15.45	$15.75	$15.13	$12.75	$11.24	$11.96	$11.13
Value at end of period	$19.05	$16.18	$15.45	$15.75	$15.13	$12.75	$11.24	$11.96
Number of accumulation units outstanding at end of period	0	43,308	38,695	34,417	0	0	0	2,150
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.73	$15.94	$16.33	$15.62	$12.84	$11.28	$12.07	$11.16
Value at end of period	$19.98	$16.73	$15.94	$16.33	$15.62	$12.84	$11.28	$12.07
Number of accumulation units outstanding at end of period	0	28,321	20,273	19,094	0	0	0	118
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2014)
Value at beginning of period	$16.01	$15.26	$15.62	$15.06
Value at end of period	$19.20	$16.01	$15.26	$15.62
Number of accumulation units outstanding at end of period	0	15,931	8,792	5,246
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.07	$12.70	$12.88	$12.36	$11.71	$10.83	$10.94	$10.49
Value at end of period	$14.09	$13.07	$12.70	$12.88	$12.36	$11.71	$10.83	$10.94
Number of accumulation units outstanding at end of period	0	23,502	20,365	135	0	0	0	108
VOYA STRATEGIC ALLOCATION CONSERVATIVE PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$15.35
Value at end of period	$16.48
Number of accumulation units outstanding at end of period	3,939

CFI 82


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA STRATEGIC ALLOCATION GROWTH PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$16.40
Value at end of period	$18.61
Number of accumulation units outstanding at end of period	7,089
VOYA STRATEGIC ALLOCATION MODERATE PORTFOLIO (CLASS I)
(Funds were first received in this option during February 2017)
Value at beginning of period	$15.86
Value at end of period	$17.57
Number of accumulation units outstanding at end of period	9,329
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during October 2009)
Value at beginning of period	$29.72	$24.27	$25.02	$22.54	$17.38	$15.13	$15.83	$13.15	$12.86
Value at end of period	$32.60	$29.72	$24.27	$25.02	$22.54	$17.38	$15.13	$15.83	$13.15
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	17	9
VY® BARON GROWTH PORTFOLIO (CLASS S)
Value at beginning of period	$24.25	$23.32	$24.87	$24.15	$17.62	$14.92	$14.79	$11.84	$8.87	$15.30
Value at end of period	$30.68	$24.25	$23.32	$24.87	$24.15	$17.62	$14.92	$14.79	$11.84	$8.87
Number of accumulation units outstanding at end of period	57	954	719	1,360	190	169	381	2,909	526	365
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$17.78	$16.61	$16.34	$14.68	$11.03	$9.96	$10.58	$9.57	$7.37	$7.23
Value at end of period	$21.34	$17.78	$16.61	$16.34	$14.68	$11.03	$9.96	$10.58	$9.57	$7.37
Number of accumulation units outstanding at end of period	0	543	470	533	0	0	0	0	0	2
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
(Funds were first received in this option during April 2010)
Value at beginning of period	$18.26	$14.95	$15.61	$15.15	$10.97	$9.73	$10.13	$9.44
Value at end of period	$19.99	$18.26	$14.95	$15.61	$15.15	$10.97	$9.73	$10.13
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	3,344
VY® JPMORGAN SMALL CAP CORE EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2017)
Value at beginning of period	$25.13
Value at end of period	$28.44
Number of accumulation units outstanding at end of period	1,160
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2017)
Value at beginning of period	$19.46
Value at end of period	$20.19
Number of accumulation units outstanding at end of period	636
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
(Funds were first received in this option during October 2014)
Value at beginning of period	$20.92	$19.73	$19.59	$18.16
Value at end of period	$25.77	$20.92	$19.73	$19.59
Number of accumulation units outstanding at end of period	0	557	314	248
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS S)
(Funds were first received in this option during December 2012)
Value at beginning of period	$22.85	$21.60	$21.51	$19.52	$14.67	$14.35
Value at end of period	$28.07	$22.85	$21.60	$21.51	$19.52	$14.67
Number of accumulation units outstanding at end of period	0	0	354	329	257	166

CFI 83


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2012)
Value at beginning of period	$10.96	$10.92	$11.47	$12.48	$10.54	$10.08
Value at end of period	$13.19	$10.96	$10.92	$11.47	$12.48	$10.54
Number of accumulation units outstanding at end of period	750	0	24	13	18	11
WELLS FARGO SPECIAL SMALL CAP VALUE FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$27.49
Value at end of period	$28.46
Number of accumulation units outstanding at end of period	20


TABLE 28
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.35%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
Value at beginning of period	$15.49	$14.00	$13.77	$12.86	$9.94	$8.63	$8.94	$7.97	$6.08	$5.97
Value at end of period	$18.79	$15.49	$14.00	$13.77	$12.86	$9.94	$8.63	$8.94	$7.97	$6.08
Number of accumulation units outstanding at end of period	0	319	197	581	0	914	0	9,859	538	308
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$21.12	$21.09	$20.36	$20.06	$16.08	$13.54	$14.91	$13.45	$9.94	$16.27
Value at end of period	$26.76	$21.12	$21.09	$20.36	$20.06	$16.08	$13.54	$14.91	$13.45	$9.94
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	1,809	5,974	1,952	242
DODGE & COX STOCK FUND
(Funds were first received in this option during September 2017)
Value at beginning of period	$23.13
Value at end of period	$25.16
Number of accumulation units outstanding at end of period	279
FRANKLIN MUTUAL GLOBAL DISCOVERY FUND (CLASS R)
Value at beginning of period	$23.21	$20.95	$22.08	$21.36	$17.32	$15.52	$16.25	$14.86	$12.48	$17.31
Value at end of period	$25.03	$23.21	$20.95	$22.08	$21.36	$17.32	$15.52	$16.25	$14.86	$12.48
Number of accumulation units outstanding at end of period	618	577	514	423	934	1,107	460	330	2,862	1,521
T. ROWE PRICE MID-CAP VALUE FUND (R CLASS)
Value at beginning of period	$26.84	$21.99	$23.19	$21.36	$16.54	$14.09	$15.08	$13.19	$9.16	$9.43
Value at end of period	$29.41	$26.84	$21.99	$23.19	$21.36	$16.54	$14.09	$15.08	$13.19	$9.16
Number of accumulation units outstanding at end of period	0	0	0	0	52	0	0	0	0	312
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
Value at beginning of period	$11.69	$11.18	$11.86	$12.01	$12.71	$11.97	$11.72	$10.28	$8.59	$8.22
Value at end of period	$12.61	$11.69	$11.18	$11.86	$12.01	$12.71	$11.97	$11.72	$10.28	$8.59
Number of accumulation units outstanding at end of period	0	0	11	0	3	0	865	1,607	3,037	344
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during March 2015)
Value at beginning of period	$9.75	$9.32	$10.01
Value at end of period	$11.90	$9.75	$9.32
Number of accumulation units outstanding at end of period	31	31	31
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during July 2014)
Value at beginning of period	$19.87	$20.12	$20.79	$20.50
Value at end of period	$21.59	$19.87	$20.12	$20.79
Number of accumulation units outstanding at end of period	0	22	19	14
VOYA GNMA INCOME FUND (CLASS A)
Value at beginning of period	$13.62	$13.58	$13.55	$13.09	$13.51	$13.31	$12.56	$11.99	$11.57	$10.98

CFI 84


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Value at end of period	$13.64	$13.62	$13.58	$13.55	$13.09	$13.51	$13.31	$12.56	$11.99	$11.57
Number of accumulation units outstanding at end of period	36	36	36	37	2,321	2,852	2,634	8,894	3,265	15,587
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.18	$14.41	$14.85	$14.27	$12.37	$11.11	$11.46	$10.93
Value at end of period	$17.13	$15.18	$14.41	$14.85	$14.27	$12.37	$11.11	$11.46
Number of accumulation units outstanding at end of period	21,324	2,395	113	3,037	0	0	50	14,366
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.27	$15.32	$15.80	$15.15	$12.61	$11.11	$11.66	$11.07
Value at end of period	$18.96	$16.27	$15.32	$15.80	$15.15	$12.61	$11.11	$11.66
Number of accumulation units outstanding at end of period	10,492	2,707	4,481	216	0	0	409	8,911
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.81	$15.79	$16.33	$15.62	$12.78	$11.21	$11.87	$11.21
Value at end of period	$19.89	$16.81	$15.79	$16.33	$15.62	$12.78	$11.21	$11.87
Number of accumulation units outstanding at end of period	13,018	6,084	3,668	5,560	0	0	1,575	1,851
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2014)
Value at beginning of period	$16.26	$15.30	$15.84	$15.77
Value at end of period	$19.34	$16.26	$15.30	$15.84
Number of accumulation units outstanding at end of period	2,585	453	301	611
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2015)
Value at beginning of period	$12.91	$12.49	$13.05
Value at end of period	$13.88	$12.91	$12.49
Number of accumulation units outstanding at end of period	7,600	962	24
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$15.42
Value at end of period	$16.77
Number of accumulation units outstanding at end of period	6,161
VOYA RUSSELL^TMLARGE CAP GROWTH INDEX PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2009)
Value at beginning of period	$25.78	$24.58	$23.21	$20.86	$16.06	$14.24	$13.89	$12.52	$10.70
Value at end of period	$33.31	$25.78	$24.58	$23.21	$20.86	$16.06	$14.24	$13.89	$12.52
Number of accumulation units outstanding at end of period	192	0	0	0	0	69	59	48	34
VOYA SMALLCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during September 2017)
Value at beginning of period	$32.04
Value at end of period	$34.19
Number of accumulation units outstanding at end of period	184
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$28.25	$23.00	$23.50	$22.35	$16.45	$14.56	$15.13	$12.33	$9.80	$14.40
Value at end of period	$31.02	$28.25	$23.00	$23.50	$22.35	$16.45	$14.56	$15.13	$12.33	$9.80
Number of accumulation units outstanding at end of period	0	4	0	1,632	2,461	82	3,528	874	2,400	1,857
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.34	$14.70	$14.93	$14.36	$12.54	$11.22	$11.75	$11.04
Value at end of period	$17.41	$15.34	$14.70	$14.93	$14.36	$12.54	$11.22	$11.75
Number of accumulation units outstanding at end of period	5	16,300	14,152	35,217	35,864	31,800	35,131	41,427

CFI 85


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.13	$15.41	$15.71	$15.10	$12.73	$11.23	$11.95	$11.20
Value at end of period	$18.98	$16.13	$15.41	$15.71	$15.10	$12.73	$11.23	$11.95
Number of accumulation units outstanding at end of period	0	9,664	9,212	20,962	39,806	30,108	33,097	34,708
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.67	$15.90	$16.29	$15.59	$12.82	$11.27	$12.07	$11.25
Value at end of period	$19.90	$16.67	$15.90	$16.29	$15.59	$12.82	$11.27	$12.07
Number of accumulation units outstanding at end of period	0	7,106	6,348	17,388	25,892	13,605	25,477	32,715
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during February 2011)
Value at beginning of period	$15.95	$15.22	$15.59	$14.89	$12.23	$10.75	$12.06
Value at end of period	$19.13	$15.95	$15.22	$15.59	$14.89	$12.23	$10.75
Number of accumulation units outstanding at end of period	0	2,185	2,050	4,033	2,261	179	65
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$13.03	$12.66	$12.85	$12.33	$11.70	$10.82	$10.94	$10.49
Value at end of period	$14.04	$13.03	$12.66	$12.85	$12.33	$11.70	$10.82	$10.94
Number of accumulation units outstanding at end of period	21	9,085	9,680	4,355	3,890	720	3,225	7,474
VY® CLARION REAL ESTATE PORTFOLIO (CLASS S)
(Funds were first received in this option during September 2017)
Value at beginning of period	$17.22
Value at end of period	$17.46
Number of accumulation units outstanding at end of period	27
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
Value at beginning of period	$17.66	$16.51	$16.25	$14.60	$10.99	$9.92	$10.55	$9.54	$7.35	$12.25
Value at end of period	$21.19	$17.66	$16.51	$16.25	$14.60	$10.99	$9.92	$10.55	$9.54	$7.35
Number of accumulation units outstanding at end of period	0	0	0	0	753	1,831	534	713	1,044	211
VY® COLUMBIA SMALL CAP VALUE II PORTFOLIO (CLASS S)
Value at beginning of period	$18.16	$14.88	$15.54	$15.10	$10.93	$9.70	$10.11	$8.18	$6.65	$6.38
Value at end of period	$19.87	$18.16	$14.88	$15.54	$15.10	$10.93	$9.70	$10.11	$8.18	$6.65
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	126	92	65
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$27.23	$24.06	$25.16	$22.17	$17.09	$14.43	$14.36	$11.84	$9.55	$14.46
Value at end of period	$30.55	$27.23	$24.06	$25.16	$22.17	$17.09	$14.43	$14.36	$11.84	$9.55
Number of accumulation units outstanding at end of period	688	782	850	266	2	144	1,420	2,009	9,048	1,066
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$18.98	$16.89	$17.98	$18.20	$16.46	$14.41	$14.75	$12.59	$7.66	$11.02
Value at end of period	$20.07	$18.98	$16.89	$17.98	$18.20	$16.46	$14.41	$14.75	$12.59	$7.66
Number of accumulation units outstanding at end of period	0	0	7	4,880	5,043	0	5,627	524	1,780	1,393
VY® T. ROWE PRICE DIVERSIFIED MID CAP GROWTH PORTFOLIO
(CLASS I)
Value at beginning of period	$20.81	$19.63	$19.51	$17.68	$13.26	$11.57	$12.18	$9.61	$6.65	$11.86
Value at end of period	$25.62	$20.81	$19.63	$19.51	$17.68	$13.26	$11.57	$12.18	$9.61	$6.65
Number of accumulation units outstanding at end of period	0	0	0	0	272	258	218	226	4,375	3,353
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during July 2011)
Value at beginning of period	$10.90	$10.87	$11.42	$12.43	$10.51	$8.98	$10.53
Value at end of period	$13.12	$10.90	$10.87	$11.42	$12.43	$10.51	$8.98
Number of accumulation units outstanding at end of period	0	0	0	1,320	292	0	1,537

CFI 86


Condensed Financial Information (continued)





TABLE 29
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.40%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during February 2009)
Value at beginning of period	$15.42	$13.95	$13.73	$12.82	$9.92	$8.61	$8.93	$7.97	$5.73
Value at end of period	$18.70	$15.42	$13.95	$13.73	$12.82	$9.92	$8.61	$8.93	$7.97
Number of accumulation units outstanding at end of period	0	0	0	0	473	294	0	0	871
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
(Funds were first received in this option during February 2009)
Value at beginning of period	$20.98	$20.96	$20.24	$19.96	$16.01	$13.49	$14.86	$13.41	$9.30
Value at end of period	$26.58	$20.98	$20.96	$20.24	$19.96	$16.01	$13.49	$14.86	$13.41
Number of accumulation units outstanding at end of period	0	0	18	26	27	35	35	35	36
AMERICAN FUNDS® - THE INCOME FUND OF AMERICA® (CLASS R-3)
Value at beginning of period	$18.75	$17.26	$17.83	$16.74	$14.41	$13.10	$12.63	$11.48	$9.38	$13.43
Value at end of period	$20.88	$18.75	$17.26	$17.83	$16.74	$14.41	$13.10	$12.63	$11.48	$9.38
Number of accumulation units outstanding at end of period	0	0	763	625	246	749	736	867	755	207
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during December 2011)
Value at beginning of period	$11.63	$11.13	$11.82	$11.97	$12.68	$11.94	$11.94
Value at end of period	$12.54	$11.63	$11.13	$11.82	$11.97	$12.68	$11.94
Number of accumulation units outstanding at end of period	0	0	0	2,707	2,707	1,796	886
VOYA GLOBAL REAL ESTATE FUND (CLASS A)
(Funds were first received in this option during June 2012)
Value at beginning of period	$19.80	$20.05	$20.73	$18.51	$18.11	$16.45
Value at end of period	$21.50	$19.80	$20.05	$20.73	$18.51	$18.11
Number of accumulation units outstanding at end of period	0	0	0	0	279	5
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$15.13	$14.37	$14.82	$14.24	$12.36	$11.10	$12.01
Value at end of period	$17.06	$15.13	$14.37	$14.82	$14.24	$12.36	$11.10
Number of accumulation units outstanding at end of period	3,967	4,079	4,089	4,104	4,112	4,120	6,134
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.21	$15.27	$15.77	$15.12	$12.59	$11.10	$12.28
Value at end of period	$18.88	$16.21	$15.27	$15.77	$15.12	$12.59	$11.10
Number of accumulation units outstanding at end of period	1,718	1,851	1,859	1,922	1,930	2,997	4,779
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$16.75	$15.75	$16.29	$15.59	$12.77	$11.19	$12.58
Value at end of period	$19.82	$16.75	$15.75	$16.29	$15.59	$12.77	$11.19
Number of accumulation units outstanding at end of period	1,262	1,272	1,282	1,484	1,496	1,700	2,312
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during May 2011)
Value at beginning of period	$12.87	$12.45	$12.79	$12.26	$11.55	$10.81	$10.97
Value at end of period	$13.82	$12.87	$12.45	$12.79	$12.26	$11.55	$10.81
Number of accumulation units outstanding at end of period	7,186	7,190	7,197	718	782	783	837

CFI 87


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA MIDCAP OPPORTUNITIES PORTFOLIO (CLASS I)
(Funds were first received in this option during July 2017)
Value at beginning of period	$15.39
Value at end of period	$16.73
Number of accumulation units outstanding at end of period	0
VOYA MULTI-MANAGER INTERNATIONAL SMALL CAP FUND (CLASS A)
Value at beginning of period	$19.04	$19.45	$18.27	$19.73	$15.57	$13.14	$16.18	$13.17	$9.19	$16.31
Value at end of period	$25.33	$19.04	$19.45	$18.27	$19.73	$15.57	$13.14	$16.18	$13.17	$9.19
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	673	625	746	651
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.29	$14.66	$14.90	$14.33	$12.52	$11.21	$11.74	$11.04
Value at end of period	$17.35	$15.29	$14.66	$14.90	$14.33	$12.52	$11.21	$11.74
Number of accumulation units outstanding at end of period	4	5	332	265	17,522	26,319	2,926	8,761
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.07	$15.36	$15.67	$15.07	$12.71	$11.21	$11.94	$11.20
Value at end of period	$18.90	$16.07	$15.36	$15.67	$15.07	$12.71	$11.21	$11.94
Number of accumulation units outstanding at end of period	0	0	2,399	2,498	7,941	13,442	929	6,184
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.61	$15.85	$16.25	$15.56	$12.80	$11.25	$12.06	$11.25
Value at end of period	$19.83	$16.61	$15.85	$16.25	$15.56	$12.80	$11.25	$12.06
Number of accumulation units outstanding at end of period	0	0	73	326	6,189	14,997	1,469	12,480
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2012)
Value at beginning of period	$15.90	$15.18	$15.55	$14.86	$12.22	$11.41
Value at end of period	$19.05	$15.90	$15.18	$15.55	$14.86	$12.22
Number of accumulation units outstanding at end of period	0	0	56	19	1,809	1,448
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$12.98	$12.62	$12.82	$12.31	$11.68	$10.81	$10.93	$10.49
Value at end of period	$13.98	$12.98	$12.62	$12.82	$12.31	$11.68	$10.81	$10.93
Number of accumulation units outstanding at end of period	0	0	1,043	53	134	3,165	106	1,880
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$19.76	$17.01	$18.35	$17.05	$12.81	$10.95	$11.34	$9.99	$7.88	$10.81
Value at end of period	$22.93	$19.76	$17.01	$18.35	$17.05	$12.81	$10.95	$11.34	$9.99	$7.88
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	818	773	727
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$27.06	$23.92	$25.02	$22.06	$17.01	$14.37	$14.32	$11.81	$9.53	$12.19
Value at end of period	$30.34	$27.06	$23.92	$25.02	$22.06	$17.01	$14.37	$14.32	$11.81	$9.53
Number of accumulation units outstanding at end of period	0	0	0	0	482	113	0	0	82	12
VY® PIONEER HIGH YIELD PORTFOLIO (CLASS S)
Value at beginning of period	$18.88	$16.80	$17.90	$18.13	$16.41	$14.37	$14.71	$12.57	$7.65	$8.05
Value at end of period	$19.95	$18.88	$16.80	$17.90	$18.13	$16.41	$14.37	$14.71	$12.57	$7.65
Number of accumulation units outstanding at end of period	0	0	0	0	0	5,022	0	5,754	6,845	6,817
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
Value at beginning of period	$10.84	$10.82	$11.37	$12.39	$10.47	$8.95	$10.34	$9.66	$7.43	$7.32
Value at end of period	$13.04	$10.84	$10.82	$11.37	$12.39	$10.47	$8.95	$10.34	$9.66	$7.43
Number of accumulation units outstanding at end of period	0	0	0	298	148	183	74	884	96	116

CFI 88


Condensed Financial Information (continued)





TABLE 30
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.45%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during June 2011)
Value at beginning of period	$15.36	$13.89	$13.68	$12.79	$9.90	$8.60	$9.01
Value at end of period	$18.61	$15.36	$13.89	$13.68	$12.79	$9.90	$8.60
Number of accumulation units outstanding at end of period	901	611	211	0	0	0	96
AMERICAN FUNDS® - NEW PERSPECTIVE FUND® (CLASS R-3)
Value at beginning of period	$20.85	$20.84	$20.13	$19.86	$15.94	$13.43	$14.80	$13.37	$9.89	$16.21
Value at end of period	$26.39	$20.85	$20.84	$20.13	$19.86	$15.94	$13.43	$14.80	$13.37	$9.89
Number of accumulation units outstanding at end of period	0	0	0	0	0	14	30	491	1,688	1,392
VOYA GLOBAL BOND PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$11.58	$11.08	$11.77	$11.93	$12.64	$11.91	$11.68	$10.25	$8.41
Value at end of period	$12.48	$11.58	$11.08	$11.77	$11.93	$12.64	$11.91	$11.68	$10.25
Number of accumulation units outstanding at end of period	0	650	484	0	0	0	0	1,627	2,148
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.07	$14.33	$14.78	$14.21	$12.34	$11.09	$11.45	$10.83
Value at end of period	$17.00	$15.07	$14.33	$14.78	$14.21	$12.34	$11.09	$11.45
Number of accumulation units outstanding at end of period	0	0	2,811	0	2,843	0	0	7,724
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.15	$15.23	$15.73	$15.09	$12.57	$11.09	$11.65	$10.94
Value at end of period	$18.81	$16.15	$15.23	$15.73	$15.09	$12.57	$11.09	$11.65
Number of accumulation units outstanding at end of period	0	0	3,699	234	1,114	0	0	5,718
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.69	$15.70	$16.25	$15.56	$12.75	$11.18	$11.86	$11.05
Value at end of period	$19.74	$16.69	$15.70	$16.25	$15.56	$12.75	$11.18	$11.86
Number of accumulation units outstanding at end of period	0	0	723	0	9,297	0	0	3,279
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during November 2013)
Value at beginning of period	$16.16	$15.22	$15.76	$15.07	$14.56
Value at end of period	$19.19	$16.16	$15.22	$15.76	$15.07
Number of accumulation units outstanding at end of period	0	0	59	0	564
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$12.83	$12.42	$12.76	$12.24	$11.54	$10.80	$10.69	$10.38
Value at end of period	$13.77	$12.83	$12.42	$12.76	$12.24	$11.54	$10.80	$10.69
Number of accumulation units outstanding at end of period	0	0	4,960	26	21	16	11	691
VOYA SMALL COMPANY PORTFOLIO (CLASS I)
Value at beginning of period	$27.89	$22.73	$23.24	$22.13	$16.30	$14.44	$15.03	$12.26	$9.75	$8.84
Value at end of period	$30.59	$27.89	$22.73	$23.24	$22.13	$16.30	$14.44	$15.03	$12.26	$9.75
Number of accumulation units outstanding at end of period	0	0	4	4	4	4	4	241	181	53
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.23	$14.61	$14.86	$14.31	$12.50	$11.20	$11.74	$11.04
Value at end of period	$17.28	$15.23	$14.61	$14.86	$14.31	$12.50	$11.20	$11.74
Number of accumulation units outstanding at end of period	0	0	0	1	0	0	5,248	9,785

CFI 89


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.01	$15.31	$15.63	$15.04	$12.70	$11.20	$11.94	$11.19
Value at end of period	$18.83	$16.01	$15.31	$15.63	$15.04	$12.70	$11.20	$11.94
Number of accumulation units outstanding at end of period	2,570	2,571	4,201	4,517	4,488	5,301	7,892	8,113
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.55	$15.80	$16.21	$15.53	$12.79	$11.24	$12.06	$11.25
Value at end of period	$19.75	$16.55	$15.80	$16.21	$15.53	$12.79	$11.24	$12.06
Number of accumulation units outstanding at end of period	967	970	689	694	687	692	1,908	6,494
VOYA SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2011)
Value at beginning of period	$15.85	$15.13	$15.51	$14.83	$12.20	$10.74	$11.49
Value at end of period	$18.98	$15.85	$15.13	$15.51	$14.83	$12.20	$10.74
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	393
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during June 2011)
Value at beginning of period	$12.94	$12.59	$12.79	$12.28	$11.66	$10.80	$11.05
Value at end of period	$13.93	$12.94	$12.59	$12.79	$12.28	$11.66	$10.80
Number of accumulation units outstanding at end of period	0	1,073	1,077	0	0	0	27
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO (CLASS
S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$29.15	$23.84	$24.62	$22.21	$17.15	$14.96	$15.67	$13.03	$8.89
Value at end of period	$31.93	$29.15	$23.84	$24.62	$22.21	$17.15	$14.96	$15.67	$13.03
Number of accumulation units outstanding at end of period	0	0	34	34	245	246	248	0	592
VY® COLUMBIA CONTRARIAN CORE PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$17.44	$16.32	$16.08	$14.46	$10.89	$9.84	$10.47	$9.48	$6.69
Value at end of period	$20.89	$17.44	$16.32	$16.08	$14.46	$10.89	$9.84	$10.47	$9.48
Number of accumulation units outstanding at end of period	95	95	95	96	96	419	421	0	956
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
(Funds were first received in this option during February 2009)
Value at beginning of period	$19.64	$16.91	$18.25	$16.97	$12.75	$10.90	$11.30	$9.96	$7.04
Value at end of period	$22.78	$19.64	$16.91	$18.25	$16.97	$12.75	$10.90	$11.30	$9.96
Number of accumulation units outstanding at end of period	89	89	332	333	580	583	587	0	1,009
VY® JPMORGAN MID CAP VALUE PORTFOLIO (CLASS S)
Value at beginning of period	$26.88	$23.78	$24.88	$21.96	$16.93	$14.32	$14.27	$11.77	$9.50	$14.40
Value at end of period	$30.13	$26.88	$23.78	$24.88	$21.96	$16.93	$14.32	$14.27	$11.77	$9.50
Number of accumulation units outstanding at end of period	77	77	121	118	145	140	421	269	116	0
VY® TEMPLETON FOREIGN EQUITY PORTFOLIO (CLASS S)
(Funds were first received in this option during November 2009)
Value at beginning of period	$10.78	$10.76	$11.33	$12.34	$10.44	$8.93	$10.32	$9.64	$9.80
Value at end of period	$12.96	$10.78	$10.76	$11.33	$12.34	$10.44	$8.93	$10.32	$9.64
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	0	74	74

CFI 90


Condensed Financial Information (continued)





TABLE 31
FOR CONTRACTS WITH A DAILY ASSET CHARGE OF 1.55%
(Selected data for accumulation units outstanding throughout each period)

	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
AMERICAN FUNDS® - FUNDAMENTAL INVESTORS^SM(CLASS R-3)
(Funds were first received in this option during December 2010)
Value at beginning of period	$15.22	$13.79	$13.59	$12.71	$9.85	$8.57	$8.90	$8.67
Value at end of period	$18.43	$15.22	$13.79	$13.59	$12.71	$9.85	$8.57	$8.90
Number of accumulation units outstanding at end of period	147	118	0	179	155	126	92	36
EATON VANCE LARGE-CAP VALUE FUND (CLASS R)
(Funds were first received in this option during February 2011)
Value at beginning of period	$20.23	$18.81	$19.36	$17.76	$13.98	$12.29	$13.44
Value at end of period	$22.81	$20.23	$18.81	$19.36	$17.76	$13.98	$12.29
Number of accumulation units outstanding at end of period	0	0	0	0	0	0	191
VOYA GLOBAL EQUITY PORTFOLIO (CLASS I)
(Funds were first received in this option during June 2016)
Value at beginning of period	$9.71	$9.10
Value at end of period	$11.83	$9.71
Number of accumulation units outstanding at end of period	44	44
VOYA INDEX SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during September 2010)
Value at beginning of period	$14.97	$14.25	$14.71	$14.16	$12.30	$11.07	$11.44	$10.39
Value at end of period	$16.86	$14.97	$14.25	$14.71	$14.16	$12.30	$11.07	$11.44
Number of accumulation units outstanding at end of period	4,152	4,078	2,810	4,660	4,174	4,944	2,692	1,733
VOYA INDEX SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.04	$15.14	$15.65	$15.03	$12.54	$11.07	$11.64	$11.07
Value at end of period	$18.66	$16.04	$15.14	$15.65	$15.03	$12.54	$11.07	$11.64
Number of accumulation units outstanding at end of period	2,163	3,823	441	4,976	3,289	3,712	1,778	1,128
VOYA INDEX SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.58	$15.61	$16.17	$15.50	$12.71	$11.16	$11.85	$11.21
Value at end of period	$19.58	$16.58	$15.61	$16.17	$15.50	$12.71	$11.16	$11.85
Number of accumulation units outstanding at end of period	3,208	5,814	10,060	7,403	5,494	10,237	2,646	1,369
VOYA INDEX SOLUTION 2055 PORTFOLIO (CLASS S2)
(Funds were first received in this option during October 2012)
Value at beginning of period	$16.05	$15.13	$15.69	$15.01	$12.30	$11.92
Value at end of period	$19.04	$16.05	$15.13	$15.69	$15.01	$12.30
Number of accumulation units outstanding at end of period	17	407	622	0	35	523
VOYA INDEX SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during December 2010)
Value at beginning of period	$12.74	$12.34	$12.70	$12.19	$11.50	$10.78	$10.68	$10.59
Value at end of period	$13.66	$12.74	$12.34	$12.70	$12.19	$11.50	$10.78	$10.68
Number of accumulation units outstanding at end of period	9,625	8,315	2,857	1,559	1,928	1,695	1,702	1,446
VOYA SOLUTION 2025 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.13	$14.53	$14.79	$14.25	$12.47	$11.17	$11.73	$11.04
Value at end of period	$17.14	$15.13	$14.53	$14.79	$14.25	$12.47	$11.17	$11.73
Number of accumulation units outstanding at end of period	715	720	782	311	1,186	983	784	721

CFI 91


Condensed Financial Information (continued)




	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
VOYA SOLUTION 2035 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$15.90	$15.22	$15.56	$14.98	$12.66	$11.18	$11.93	$11.19
Value at end of period	$18.68	$15.90	$15.22	$15.56	$14.98	$12.66	$11.18	$11.93
Number of accumulation units outstanding at end of period	0	0	56	55	44	36	11	929
VOYA SOLUTION 2045 PORTFOLIO (CLASS S2)
(Funds were first received in this option during April 2010)
Value at beginning of period	$16.44	$15.71	$16.13	$15.47	$12.75	$11.22	$12.05	$11.24
Value at end of period	$19.59	$16.44	$15.71	$16.13	$15.47	$12.75	$11.22	$12.05
Number of accumulation units outstanding at end of period	2,682	2,900	2,903	2,907	3,496	3,157	440	3,025
VOYA SOLUTION INCOME PORTFOLIO (CLASS S2)
(Funds were first received in this option during August 2015)
Value at beginning of period	$12.85	$12.51	$12.80
Value at end of period	$13.82	$12.85	$12.51
Number of accumulation units outstanding at end of period	391	394	394
VY® AMERICAN CENTURY SMALL-MID CAP VALUE PORTFOLIO
(CLASS S)
(Funds were first received in this option during November 2015)
Value at beginning of period	$28.78	$23.56	$24.58
Value at end of period	$31.49	$28.78	$23.56
Number of accumulation units outstanding at end of period	0	0	298
VY® INVESCO COMSTOCK PORTFOLIO (CLASS S)
Value at beginning of period	$19.38	$16.71	$18.05	$16.80	$12.64	$10.82	$11.22	$9.90	$7.82	$12.51
Value at end of period	$22.46	$19.38	$16.71	$18.05	$16.80	$12.64	$10.82	$11.22	$9.90	$7.82
Number of accumulation units outstanding at end of period	9	9	0	0	0	0	0	0	38	12

TABLE 32

FOR CERTAIN SUBACCOUNTS BEGINNING DURING OR AFTER FEBRUARY 2014 IN CONTRACTS WITH A DAILY ASSET CHARGE OF 1.00% (Selected data for accumulation units outstanding throughout each period)


	2017	2016
AMERICAN FUNDS® - CAPITAL WORLD GROWTH AND INCOME FUND^SM
(CLASS R-3)
(Funds were first received in this option during June 2016)
Value at beginning of period	$18.75	$18.21
Value at end of period	$23.08	$18.75
Number of accumulation units outstanding at end of period	0	1,026
BLACKROCK MID CAP VALUE OPPORTUNITIES FUND
(INVESTOR A SHARES)
(Funds were first received in this option during October 2017)
Value at beginning of period	$27.53
Value at end of period	$28.63
Number of accumulation units outstanding at end of period	52
LORD ABBETT DEVELOPING GROWTH FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$25.44
Value at end of period	$27.03
Number of accumulation units outstanding at end of period	56

CFI 92


	Condensed Financial Information (continued)



	2017	2016
MASSACHUSETTS INVESTORS GROWTH STOCK FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$24.76
Value at end of period	$26.45
Number of accumulation units outstanding at end of period	485
OPPENHEIMER INTERNATIONAL BOND FUND (CLASS A)
(Funds were first received in this option during October 2017)
Value at beginning of period	$11.72
Value at end of period	$11.87
Number of accumulation units outstanding at end of period	187

TABLE 33

FOR CERTAIN SUBACCOUNTS BEGINNING DURING OR AFTER FEBRUARY 2012 IN CONTRACTS WITH A DAILY ASSET CHARGE OF 1.15% (Selected data for accumulation units outstanding throughout each period)


	2017	2016
AMERICAN CENTURY® INFLATION-ADJUSTED BOND FUND (INVESTOR
CLASS)
(Funds were first received in this option during September 2016)
Value at beginning of period	$11.69	$11.97
Value at end of period	$11.87	$11.69
Number of accumulation units outstanding at end of period	0	2
FIDELITY® VIP EQUITY-INCOME PORTFOLIO (INITIAL CLASS)
(Funds were first received in this option during May 2017)
Value at beginning of period	$18.94
Value at end of period	$20.81
Number of accumulation units outstanding at end of period	117
VOYA INDEX PLUS SMALLCAP PORTFOLIO (CLASS I)
(Funds were first received in this option during May 2017)
Value at beginning of period	$23.04
Value at end of period	$25.48
Number of accumulation units outstanding at end of period	230
VY® INVESCO EQUITY AND INCOME PORTFOLIO (CLASS S)
(Funds were first received in this option during May 2017)
Value at beginning of period	$11.78
Value at end of period	$12.70
Number of accumulation units outstanding at end of period	181

CFI 93

FOR MASTER APPLICATIONS ONLY

I hereby acknowledge receipt of Variable Annuity Account C Voya MAP Plus NP^SM Variable Annuity prospectus dated May 1, 2018.

___ Please send a Variable Annuity Account C Statement of Additional Information (Form No. SAI.109860-18) dated May 1, 2018.

CONTRACT HOLDER’S SIGNATURE

DATE

PRO.109860-18

			immediately upon filing pursuant to paragraph (b) of Rule 485
	X		on May 1, 2018, pursuant to paragraph (b) of Rule 485

	Page
General Information and History	2
Variable Annuity Account C	2
Offering and Purchase of Contracts	3
Income Phase Payments	3
PerformANCE REPORTING	5
Sales Material and Advertising	5
Experts	6
Financial Statements of the Separate Account	S-1
Consolidated Financial Statements of VOYA RETIREMENT Insuranceand Annuity Company	C-1

	First Case Year (Case Year 1 Only)	Renewal Year & Increase Deposits (All Case Years)	Takeover (Case Year 1 Only)	Asset Based (Starts Case Month 1)	Asset Based (Starts Case Month 13)	Maximum Daily Asset Charge
Option 1	1.00%	0.00%	1.00%	0.00%	0.15	1.10
Option 2	1.00%	0.00%	1.00%	0.00%	0.25	1.25
Option 3	1.00%	0.00%	1.00%	0.00%	0.30	1.30
Option 4	1.00%	0.00%	1.00%	0.00%	0.40	1.45
Option 5	1.00%	0.00%	1.00%	0.00%	0.50	1.55
Option 6	0.00%	0.00%	0.00%	0.40%	0.00	1.25
Option 7	0.00%	0.00%	0.00%	0.00%	0.00	0.75

	First Participant Year and Increases	Renewal Premium	Tax Free Exchanges/ Takeover Assets	Asset Based (Starts Participant Month 13)	Maximum Daily Asset Charge
Option 1	3.00	0.25	1.00	0.10	1.20
Option 2	2.00	0.50	2.00	0.25	1.55
Option 3	1.00	1.00	1.00	0.25	1.35



Contents

Report of Independent Registered Public Accounting Firm	1

Audited Financial Statements

Statements of Assets and Liabilities	14
Statements of Operations	79
Statements of Changes in Net Assets	145
Notes to Financial Statements	227



Subaccount	Statement of Operations	Statement of Changes in Net Assets
AB Relative Value Fund - Class A	For the year ended December 31, 2017	For each of the two years in the period ended December 31, 2017
AB VPS Growth and Income Portfolio - Class A
Aberdeen International Equity Fund - Institutional Class
Alger Capital Appreciation Fund - Class A
Alger Responsible Investing Fund - Class A
AllianzGI NFJ Dividend Value Fund - Class A
AllianzGI NFJ Large-Cap Value Fund - Institutional Class
AllianzGI NFJ Small-Cap Value Fund - Class A
Amana Growth Fund - Investor Class
Amana Income Fund - Investor Class
American Balanced Fund® - Class R-3
American Beacon Small Cap Value Fund - Investor Class
American Century Investments® Income & Growth Fund - A Class
American Century Investments® Inflation-Adjusted Bond
American Mutual Fund® - Class R-4
AMG Managers Fairpointe Mid Cap Fund - Class N
Ariel Appreciation Fund - Investor Class
Ariel Fund - Investor Class
Artisan International Fund - Investor Shares
Ave Maria Rising Dividend Fund
BlackRock Equity Dividend Fund - Investor A Shares
BlackRock Health Sciences Opportunities Portfolio - Institutional Shares
BlackRock Health Sciences Opportunities Portfolio - Investor A Shares
BlackRock Mid Cap Dividend Fund - Institutional Shares
BlackRock Mid Cap Dividend Fund - Investor A Shares
Bond Fund of America^SM - Class R-4
Calvert VP SRI Balanced Portfolio
Capital Income Builder® - Class R-4
Capital World Growth & Income Fund^SM - Class R-3
ClearBridge Aggressive Growth Fund - Class I



		Invesco Small Cap Growth Fund - Class A		Invesco International Growth Fund - Class R5		Invesco Endeavor Fund - Class A		Invesco Global Health Care Fund - Investor Class		Invesco High Yield Fund - Class R5
Assets
Investments in mutual funds
	at fair value	$	102	$	686	$	15	$	109	$	405
Total assets		102		686		15		109		405
Net assets		$	102	$	686	$	15	$	109	$	405

Net assets
Accumulation units		$	102	$	686	$	15	$	109	$	405
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	102	$	686	$	15	$	109	$	405

Total number of mutual fund shares		2,732		18,627		759		3,072		96,904

Cost of mutual fund shares		$	98	$	621	$	13	$	110	$	399



		Invesco American Value Fund - Class R5		Invesco Energy Fund - Class R5		Invesco Small Cap Value Fund - Class A		Invesco V.I. American Franchise Fund - Series I Shares		Invesco V.I. Core Equity Fund - Series I Shares
Assets
Investments in mutual funds
	at fair value	$	761	$	122	$	152	$	28,558	$	33,267
Total assets		761		122		152		28,558		33,267
Net assets		$	761	$	122	$	152	$	28,558	$	33,267

Net assets
Accumulation units		$	761	$	122	$	152	$	28,432	$	32,930
Contracts in payout (annuitization)		—		—		—		126		337
Total net assets		$	761	$	122	$	152	$	28,558	$	33,267

Total number of mutual fund shares		20,378		4,736		8,031		453,521		905,963

Cost of mutual fund shares		$	741	$	117	$	140	$	22,334	$	26,657



		American Century Investments® Income & Growth Fund - A Class		Fundamental Investors^SM - Class R-3		Fundamental Investors^SM- Class R-4		American Mutual Fund® - Class R-4		AMG Managers Fairpointe Mid Cap Fund - Class N
Assets
Investments in mutual funds
	at fair value	$	11,002	$	1,037	$	111,597	$	7,946	$	34,886
Total assets		11,002		1,037		111,597		7,946		34,886
Net assets		$	11,002	$	1,037	$	111,597	$	7,946	$	34,886

Net assets
Accumulation units		$	11,002	$	1,037	$	111,597	$	7,946	$	34,886
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	11,002	$	1,037	$	111,597	$	7,946	$	34,886

Total number of mutual fund shares		280,389		16,716		1,797,929		195,379		817,202

Cost of mutual fund shares		$	9,789	$	921	$	89,190	$	7,300	$	34,526



		Capital Income Builder® - Class R-4		Capital World Growth & Income Fund^SM - Class R-3		Cohen & Steers Realty Shares, Inc.		Columbia^SM Acorn® Fund - Class A		Columbia^SM Acorn® Fund - Class Z
Assets
Investments in mutual funds
	at fair value	$	4,337	$	670	$	9,057	$	63	$	3
Total assets		4,337		670		9,057		63		3
Net assets		$	4,337	$	670	$	9,057	$	63	$	3

Net assets
Accumulation units		$	4,337	$	670	$	9,057	$	63	$	3
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	4,337	$	670	$	9,057	$	63	$	3

Total number of mutual fund shares		69,076		13,189		140,544		4,856		214

Cost of mutual fund shares		$	4,137	$	609	$	9,788	$	85	$	4



		Columbia Mid Cap Value Fund - Class A		Columbia Mid Cap Value Fund - Class Z		CRM Mid Cap Value Fund - Investor Shares		Davis Financial Fund - Class Y		Delaware Smid Cap Growth Fund - Institutional Class
Assets
Investments in mutual funds
	at fair value	$	9,051	$	2	$	351	$	50	$	9,364
Total assets		9,051		2		351		50		9,364
Net assets		$	9,051	$	2	$	351	$	50	$	9,364

Net assets
Accumulation units		$	9,051	$	2	$	351	$	50	$	9,364
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	9,051	$	2	$	351	$	50	$	9,364

Total number of mutual fund shares		662,081		162		16,720		938		318,066

Cost of mutual fund shares		$	10,431	$	2	$	395	$	45	$	8,691



		Delaware Small Cap Value Fund - Class A		Deutsche Small Cap Growth Fund - Class S		DFA Inflation-Protected Securities Portfolio - Institutional Class		Emerging Markets Core Equity Portfolio - Institutional Class		U.S. Targeted Value Portfolio - Institutional Class
Assets
Investments in mutual funds
	at fair value	$	4,020	$	31	$	670	$	1,752	$	13,492
Total assets		4,020		31		670		1,752		13,492
Net assets		$	4,020	$	31	$	670	$	1,752	$	13,492

Net assets
Accumulation units		$	4,020	$	31	$	670	$	1,752	$	13,492
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	4,020	$	31	$	670	$	1,752	$	13,492

Total number of mutual fund shares		60,964		885		57,057		75,454		542,065

Cost of mutual fund shares		$	3,762	$	28	$	680	$	1,426	$	12,009



		Dodge & Cox International Stock Fund		Dodge & Cox Stock Fund		Deutsche Equity 500 Index Fund - Class S		Eaton Vance Large-Cap Value Fund - Class R		EuroPacific Growth Fund® - Class R-3
Assets
Investments in mutual funds
	at fair value	$	154	$	159	$	737	$	2	$	4,540
Total assets		154		159		737		2		4,540
Net assets		$	154	$	159	$	737	$	2	$	4,540

Net assets
Accumulation units		$	154	$	159	$	737	$	2	$	4,540
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	154	$	159	$	737	$	2	$	4,540

Total number of mutual fund shares		3,334		780		3,383		97		82,414

Cost of mutual fund shares		$	124	$	134	$	732	$	2	$	3,819



		EuroPacific Growth Fund® - Class R-4		Federated International Leaders Fund - Institutional Shares		Fidelity Advisor® New Insights Fund - Class I		Fidelity® VIP Equity-Income Portfolio - Initial Class		Fidelity® VIP Growth Portfolio - Initial Class
Assets
Investments in mutual funds
	at fair value	$	348,913	$	—	$	2,322	$	276,235	$	345,776
Total assets		348,913		—		2,322		276,235		345,776
Net assets		$	348,913	$	—	$	2,322	$	276,235	$	345,776

Net assets
Accumulation units		$	348,913	$	—	$	2,322	$	272,797	$	342,876
Contracts in payout (annuitization)		—		—		—		3,438		2,900
Total net assets		$	348,913	$	—	$	2,322	$	276,235	$	345,776

Total number of mutual fund shares		6,333,514		8		72,472		11,562,782		4,669,488

Cost of mutual fund shares		$	254,437	$	—	$	2,052	$	230,607	$	193,521



		Fidelity® VIP High Income Portfolio - Initial Class		Fidelity® VIP Overseas Portfolio - Initial Class		Fidelity® VIP Contrafund® Portfolio - Initial Class		Fidelity® VIP Index 500 Portfolio - Initial Class		Fidelity® VIP Mid Cap Portfolio - Initial Class
Assets
Investments in mutual funds
	at fair value	$	8,724	$	33,166	$	1,337,984	$	253,980	$	4
Total assets		8,724		33,166		1,337,984		253,980		4
Net assets		$	8,724	$	33,166	$	1,337,984	$	253,980	$	4

Net assets
Accumulation units		$	8,697	$	33,166	$	1,329,633	$	253,980	$	4
Contracts in payout (annuitization)		27		—		8,351		—		—
Total net assets		$	8,724	$	33,166	$	1,337,984	$	253,980	$	4

Total number of mutual fund shares		1,600,753		1,450,202		35,265,792		936,573		96

Cost of mutual fund shares		$	8,942	$	25,980	$	974,055	$	152,521	$	3



		Fidelity® VIP Asset Manager Portfolio - Initial Class		Franklin Mutual Global Discovery Fund - Class R		Franklin Biotechnology Discovery Fund - Advisor Class		Franklin Natural Resources Fund - Advisor Class		Franklin Small-Mid Cap Growth Fund - Class A
Assets
Investments in mutual funds
	at fair value	$	16,375	$	1,799	$	320	$	30	$	335
Total assets		16,375		1,799		320		30		335
Net assets		$	16,375	$	1,799	$	320	$	30	$	335

Net assets
Accumulation units		$	16,375	$	1,799	$	320	$	30	$	335
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	16,375	$	1,799	$	320	$	30	$	335

Total number of mutual fund shares		1,075,177		57,343		2,083		1,052		9,485

Cost of mutual fund shares		$	16,602	$	1,815	$	316	$	28	$	341



		Franklin Small Cap Value VIP Fund - Class 2		Goldman Sachs Growth Opportunities Fund - Class IR		Growth Fund of America® - Class R-3		Growth Fund of America® - Class R-4		The Hartford Capital Appreciation Fund - Class R4
Assets
Investments in mutual funds
	at fair value	$	126,589	$	54	$	11,915	$	445,366	$	—
Total assets		126,589		54		11,915		445,366		—
Net assets		$	126,589	$	54	$	11,915	$	445,366	$	—

Net assets
Accumulation units		$	125,273	$	54	$	11,915	$	445,366	$	—
Contracts in payout (annuitization)		1,316		—		—		—		—
Total net assets		$	126,589	$	54	$	11,915	$	445,366	$	—

Total number of mutual fund shares		6,393,400		2,459		245,016		9,070,594		4

Cost of mutual fund shares		$	115,788	$	58	$	10,462	$	308,514	$	—



		The Hartford Dividend And Growth Fund - Class R4		The Hartford International Opportunities Fund - Class R4		Income Fund of America® - Class R-3		Ivy Science and Technology Fund - Class Y		Janus Henderson Balanced Portfolio - Institutional Shares
Assets
Investments in mutual funds
	at fair value	$	7	$	1,350	$	1,305	$	9,902	$	151
Total assets		7		1,350		1,305		9,902		151
Net assets		$	7	$	1,350	$	1,305	$	9,902	$	151

Net assets
Accumulation units		$	7	$	1,350	$	1,305	$	9,902	$	151
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	7	$	1,350	$	1,305	$	9,902	$	151

Total number of mutual fund shares		270		77,027		56,042		147,708		4,272

Cost of mutual fund shares		$	7	$	1,307	$	1,202	$	9,217	$	121



		Janus Henderson Enterprise Portfolio - Institutional Shares		Janus Henderson Flexible Bond Portfolio - Institutional Shares		Janus Henderson Global Research Portfolio - Institutional Shares		Janus Henderson Research Portfolio - Institutional Shares		JPMorgan Equity Income Fund - Select Class
Assets
Investments in mutual funds
	at fair value	$	301	$	16	$	73	$	68	$	1,259
Total assets		301		16		73		68		1,259
Net assets		$	301	$	16	$	73	$	68	$	1,259

Net assets
Accumulation units		$	301	$	16	$	73	$	68	$	1,259
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	301	$	16	$	73	68		$	1,259

Total number of mutual fund shares		4,263		1,370		1,429		1,872		72,355

Cost of mutual fund shares		$	224	$	16	$	49	$	54	$	1,095



		JPMorgan Government Bond Fund - Select Class		Lazard International Equity Portfolio - Open Shares		ClearBridge Aggressive Growth Fund - Class I		LKCM Aquinas Catholic Equity Fund		Loomis Sayles Small Cap Value Fund - Retail Class
Assets
Investments in mutual funds
	at fair value	$	653	$	902	$	601	$	569	$	14,804
Total assets		653		902		601		569		14,804
Net assets		$	653	$	902	$	601	$	569	$	14,804

Net assets
Accumulation units		$	653	$	902	$	601	$	569	$	14,804
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	653	$	902	$	601	$	569	$	14,804

Total number of mutual fund shares		62,284		45,470		2,679		33,126		439,287

Cost of mutual fund shares		$	658	$	822	$	585	$	535	$	14,918

CONTRACT PROSPECTUS – MAY 1, 2018

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7

7

8

10

10

11

13

13

13

18

26

27

30

32

33

33

35

38

47

50

53

54

57

59

60

75

Contract Facts

Contract Phases

Step 2

The Subaccounts

B

CONDENSED FINANCIAL INFORMATION

CONTRACT PURCHASE AND PARTICIPATION

Purchasing the Contract. The contract holder submits the required forms and application to the Company. We approve the forms and issue a contract to the contract holder.

CONTRACT OWNERSHIP AND RIGHTS

• Under Governmental 457(b) or Roth 457(b) Plans. The Tax Code requires that 457(b) plan assets of governmental employers be held in trust for the exclusive benefit of you and your beneficiaries. An annuity contract satisfies the trust requirement of the Tax Code; and

RIGHT TO CANCEL

INVESTMENT OPTIONS

• Mixed funding--bought for annuities and life insurance; and

For contracts with assets equal to or greater than $5 million, the daily asset charge will generally be based on plan specific characteristics. Any reduction from the maximum amounts will reflect differences in expenses for administration based on such factors as:

• The type and level of other factors that affect the overall administrative expense.

YOUR ACCOUNT VALUE

During the accumulation phase, your account value at any given time equals:

The net investment rate may be either positive or negative.

Step 1 ||

Step 2 ||

TRANSFERS

INCOME PHASE

In this Section:

CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION

APPENDIX I FIXED PLUS ACCOUNT II

GUARANTEED ACCUMULATION ACCOUNT

APPENDIX III PARTICIPANT APPOINTMENT OF EMPLOYER AS AGENT

UNDER AN ANNUITY CONTRACT

For Plans under Sections 403(b) or 401(a)/(k) of the Tax Code (Except Voluntary

Section 403(b) Plans) (including Roth 403(b) and Roth 401(k) Plans)*

APPENDIX IV FUND DESCRIPTIONS

APPENDIX V CONDENSED FINANCIAL INFORMATION

Item 25. Directors and Officers of the Depositor*

Exhibit

Exhibit

APPENDIX I
FIXED PLUS ACCOUNT II

APPENDIX III
PARTICIPANT APPOINTMENT OF EMPLOYER AS AGENT

APPENDIX IV
FUND DESCRIPTIONS

APPENDIX V
CONDENSED FINANCIAL INFORMATION



		Loomis Sayles Limited Term Government and Agency Fund - Class Y		Loomis Sayles Value Fund - Class Y		Lord Abbett Developing Growth Fund - Class A		Lord Abbett Core Fixed Income Fund - Class A		Lord Abbett Short Duration Income Fund - Class R4
Assets
Investments in mutual funds
	at fair value	$	429	$	30	$	115	$	24	$	3,967
Total assets		429		30		115		24		3,967
Net assets		$	429	$	30	$	115	$	24	$	3,967

Net assets
Accumulation units		$	429	$	30	$	115	$	24	$	3,967
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	429	$	30	$	115	$	24	$	3,967

Total number of mutual fund shares		37,988		1,422		4,931		2,234		931,146

Cost of mutual fund shares		$	436	$	30	$	96	$	25	$	4,006



		Lord Abbett Mid Cap Stock Fund - Class A		Lord Abbett Small Cap Value Fund - Class A		Lord Abbett Fundamental Equity Fund - Class A		Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC		MainStay Large Cap Growth Fund - Class R3
Assets
Investments in mutual funds
	at fair value	$	936	$	981	$	200	$	83,700	$	2
Total assets		936		981		200		83,700		2
Net assets		$	936	$	981	$	200	$	83,700	$	2

Net assets
Accumulation units		$	936	$	981	$	200	$	83,046	$	2
Contracts in payout (annuitization)		—		—		—		654		—
Total net assets		$	936	$	981	$	200	$	83,700	$	2

Total number of mutual fund shares		31,309		48,065		15,413		3,414,945		243

Cost of mutual fund shares		$	666	$	1,120	$	193	$	59,748	$	2



		Massachusetts Investors Growth Stock Fund - Class A		Metropolitan West Total Return Bond Fund - Class I		Metropolitan West Total Return Bond Fund - Class M		MFS® New Discovery Fund - Class R3		MFS® International Value Fund - Class R3
Assets
Investments in mutual funds
	at fair value	$	73	$	16,550	$	21,142	$	107	$	621
Total assets		73		16,550		21,142		107		621
Net assets		$	73	$	16,550	$	21,142	$	107	$	621

Net assets
Accumulation units		$	73	$	16,550	$	21,142	$	107	$	621
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	73	$	16,550	$	21,142	$	107	$	621

Total number of mutual fund shares		2,629		1,552,566		1,983,258		3,930		14,486

Cost of mutual fund shares		$	62	$	16,681	$	21,481	$	99	$	542



		Neuberger Berman Genesis Fund - Trust Class		Neuberger Berman Socially Responsive Fund - Institutional Class		Neuberger Berman Socially Responsive Fund - Trust Class		New Perspective Fund® - Class R-3		New Perspective Fund® - Class R-4
Assets
Investments in mutual funds
	at fair value	$	315	$	2,449	$	13,921	$	2,010	$	189,193
Total assets		315		2,449		13,921		2,010		189,193
Net assets		$	315	$	2,449	$	13,921	$	2,010	$	189,193

Net assets
Accumulation units		$	315	$	2,449	$	13,921	$	2,010	$	189,193
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	315	$	2,449	$	13,921	$	2,010	$	189,193

Total number of mutual fund shares		5,462		64,343		364,528		47,641		4,444,288

Cost of mutual fund shares		$	301	$	2,263	$	13,512	$	1,780	$	147,107



		New World Fund® - Class R-4		Nuveen Global Infrastructure Fund - Class I		Oppenheimer Capital Appreciation Fund - Class A		Oppenheimer Developing Markets Fund - Class A		Oppenheimer Developing Markets Fund - Class Y
Assets
Investments in mutual funds
	at fair value	$	1,038	$	2,125	$	74	$	268,701	$	51,340
Total assets		1,038		2,125		74		268,701		51,340
Net assets		$	1,038	$	2,125	$	74	$	268,701	$	51,340

Net assets
Accumulation units		$	1,038	$	2,125	$	74	$	268,701	$	51,340
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	1,038	$	2,125	$	74	$	268,701	$	51,340

Total number of mutual fund shares		15,600		195,141		1,266		6,168,537		1,195,625

Cost of mutual fund shares		$	897	$	2,091	$	69	$	188,898	$	40,711



		Oppenheimer Gold & Special Minerals Fund - Class A		Oppenheimer International Bond Fund - Class A		Oppenheimer International Growth Fund - Class Y		Oppenheimer International Small-Mid Company Fund - Class Y		Oppenheimer Main Street Fund® - Class A
Assets
Investments in mutual funds
	at fair value	$	52	$	160	$	474	$	616	$	796
Total assets		52		160		474		616		796
Net assets		$	52	$	160	$	474	$	616	$	796

Net assets
Accumulation units		$	52	$	160	$	474	$	616	$	796
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	52	$	160	$	474	$	616	$	796

Total number of mutual fund shares		3,174		26,867		10,865		12,538		15,600

Cost of mutual fund shares		$	48	$	160	$	408	$	492	$	794



		Oppenheimer Main Street Fund®/VA		Oppenheimer Main Street Small Cap Fund®/VA		Oppenheimer Discovery Mid Cap Growth Fund/VA		Oppenheimer Global Fund/VA		Oppenheimer Global Strategic Income Fund/VA
Assets
Investments in mutual funds
	at fair value	$	66	$	29,512	$	16	$	283	$	95
Total assets		66		29,512		16		283		95
Net assets		$	66	$	29,512	$	16	$	283	$	95

Net assets
Accumulation units		$	—	$	29,512	$	—	$	283	$	95
Contracts in payout (annuitization)		66		—		16		—		—
Total net assets		$	66	$	29,512	$	16	$	283	$	95

Total number of mutual fund shares		2,060		1,144,304		192		5,976		18,513

Cost of mutual fund shares		$	50	$	28,261	$	15	$	167	$	97



		Parnassus Core Equity Fund^SM - Investor Shares		Pax Balanced Fund - Individual Investor Class		PIMCO CommodityRealReturn Strategy Fund® - Administrative Class		PIMCO Real Return Portfolio - Administrative Class		Pioneer Equity Income Fund - Class Y
Assets
Investments in mutual funds
	at fair value	$	31,131	$	40,220	$	1,406	$	81,690	$	15,188
Total assets		31,131		40,220		1,406		81,690		15,188
Net assets		$	31,131	$	40,220	$	1,406	$	81,690	$	15,188

Net assets
Accumulation units		$	31,131	$	40,220	$	1,406	$	81,690	$	15,188
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	31,131	$	40,220	$	1,406	$	81,690	$	15,188

Total number of mutual fund shares		729,579		1,774,953		211,377		6,577,281		419,329

Cost of mutual fund shares		$	28,817	$	40,422	$	1,434	$	90,369	$	14,293



		Pioneer High Yield Fund - Class A		Pioneer Strategic Income Fund - Class A		Pioneer Equity Income VCT Portfolio - Class I		Pioneer High Yield VCT Portfolio - Class I		Prudential Jennison Utility Fund - Class Z
Assets
Investments in mutual funds
	at fair value	$	799	$	483	—		$	20,189	$	105
Total assets		799		483		—		20,189		105
Net assets		$	799	$	483	$	—	$	20,189	$	105

Net assets
Accumulation units		$	799	$	483	$	—	$	20,189	$	105
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	799	$	483	$	—	$	20,189	$	105

Total number of mutual fund shares		81,986		44,637		7		2,118,516		7,418

Cost of mutual fund shares		$	799	$	471	$	—	$	20,943	$	102



		Columbia Diversified Equity Income Fund - Class K		Columbia Diversified Equity Income Fund - Class R4		Royce Total Return Fund - K Class		Ave Maria Rising Dividend Fund		SMALLCAP World Fund® - Class R-4
Assets
Investments in mutual funds
	at fair value	$	11,957	$	5	$	3	$	4,677	$	23,121
Total assets		11,957		5		3		4,677		23,121
Net assets		$	11,957	$	5	$	3	$	4,677	$	23,121

Net assets
Accumulation units		$	11,957	$	5	$	3	$	4,677	$	23,121
Contracts in payout (annuitization)		—		—		—		—		—
Total net assets		$	11,957	$	5	$	3	$	4,677	$	23,121

Total number of mutual fund shares		821,808		371		340		253,637		417,654

Cost of mutual fund shares		$	10,779	$	5	$	3	$	4,450	$	20,201