Variable Annuity Account B of Voya Retirement Insurance & Annuity Co.

04/28/2026 | Press release | Distributed by Public on 04/28/2026 14:51

Summary Prospectus for New Investors by Investment Company (Form 497VPI)

VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY

GROUP VARIABLE ANNUITY CONTRACT FOR

EMPLOYER-SPONSORED DEFERRED COMPENSATION PLANS

A GROUP DEFERRED FIXED AND VARIABLE ANNUITY CONTRACT

(THE "CONTRACT")

issued to

Participants Investing in the Installment Purchase Payment Contract

SUMMARY PROSPECTUS FOR NEW INVESTORS

May 1, 2026

____________________________________________________________________________

This summary Prospectus summarizes key features of the Contract.

Before you participate in the Contract through your retirement plan, you should also review the full Prospectus for the Contract (the "full Contract prospectus"). It contains more information about the Contract's features, benefits and risks. You can find this document and other information about the contract online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA00980. You can also obtain this information at no cost by calling 1-800-584-6001 or by sending an email request to [email protected].

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, negative Market Value Adjustments, taxes, and tax penalties. If you remove Account Value from the Guaranteed Accumulation Account ("GAA"), a Fixed Interest Option, before the end of a Guaranteed Term, you may be subject to a Market Value Adjustment ("MVA") that could result in a loss of up to 100% of your Account Value in the GAA.

Our obligations under the Contract are subject to our financial strength and claims-paying ability.

An Investor may cancel the Contract within 10 days of receiving it

without paying fees or penalties although we will apply the Market Value Adjustment to

Account Value in the GAA.

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Account Value. You should review this summary Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities and fixed interest options with market value adjustments, has been prepared by the U.S. Securities and Exchange Commission's staff and is available at Investor.gov.

The U.S. Securities and Exchange Commission (the "SEC") has not approved or disapproved this Contract or passed upon the adequacy of this summary Prospectus. Any representation to the contrary is a criminal offense.

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TABLE OF CONTENTS

TABLE OF CONTENTS 2
SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS 3
OVERVIEW OF THE CONTRACT 5
Purpose 5
Phases of Contract 5
Contract Features 6
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT 7
Benefits Available Under the Contract 12
BUYING THE CONTRACT 13
Purchasing the Contract 13
Participating in the Contract 13
Method of Purchase Payment 13
Allocation of Purchase Payments 13
Transfer Credits 13
Tax Code Restrictions 13
When Initial and Subsequent Purchase Payments Are Credited 13
MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT 14
Withdrawals 14
Calculation of Your Withdrawal 15
Delivery of Payment 15
Systematic Distribution Options 15
ADDITIONAL INFORMATION ABOUT FEES 16
Transaction Expenses 16
Annual Contract Expenses 17
Annual Fund Expenses 17
Examples 18
APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT 19
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SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS

The following are some of the important terms used throughout this summary Prospectus that have special meaning. There are other capitalized terms that are explained or defined in other parts of this summary Prospectus.

Account Value: The value of (1) amounts allocated to the Fixed Interest Options, including interest earnings to date; less (2) any deductions from the Fixed Interest Options (e.g., withdrawals and fees); and plus (3) the current dollar value of amounts allocated to the Subaccounts of Variable Annuity Account B, which includes investment performance and fees deducted from the Subaccounts.

Accumulation Phase: he period of time between the date the Contract became effective and the date you begin receiving Income Phase payments under the Contract. During the Accumulation Phase, you accumulate retirement benefits.

Accumulation Unit: A unit of measurement used to calculate the Account Value during the Accumulation Phase.

Accumulation Unit Value: The value of an Accumulation Unit for a Subaccount of Variable Annuity Account B. Each Subaccount of Variable Annuity Account B has its own Accumulation Unit Value, which may increase or decrease daily based on the investment performance of the applicable underlying Fund in which it invests.

Beneficiary (or Beneficiaries): The person designated to receive the death benefit payable under the Contract.

Contract or Contracts: The group deferred fixed and variable annuity Contract offered by your Plan Sponsor as a funding vehicle for your retirement plan.

Contract Holder: The person to whom or entity to which we issue the Contract. Generally, the Plan Sponsor.

Customer Service: The location from which we service the Contracts. The mailing address and telephone number of Customer Service is Defined Contributions Administration, P.O. Box 990063, Hartford, CT 06199-0063, 1-800-584-6001.

Fixed Interest Options: The Guaranteed Accumulation Account, the Fixed Account, the Fixed Account 2, the Fixed Plus Account and the Fixed Plus Account II A are Fixed Interest Options that may be available during the Accumulation Phase under some Contracts. Amounts allocated to the Guaranteed Accumulation Account are deposited in a nonunitized separate account established by the Company. Amounts allocated to the Fixed Interest Options are held in the Company's General Account which supports insurance and annuity obligations.

Fund(s): The underlying mutual Funds in which the Subaccounts invest.

General Account: The account that contains all of our assets other than those held in Variable Annuity Account B or one of our other separate accounts.

Good Order: 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.

Income Phase: The period during which you receive payments from your Contract.

Installment Purchase Payment: A Purchase Payment method whereby ongoing contributions are made over time into an account (an "Installment Purchase Payment Account"). Payments to an Installment Purchase Payment Account must be at least $100 per month ($1,200 annually). No payment may be less than $25.

Investor (also "you" or "participant"): The individual who participates in the Contract through a retirement plan.

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MVA: A Market Value Adjustment applicable to amounts removed from the Guaranteed Accumulation Account (GAA) prior to the end of a Guaranteed Term.

Plan Sponsor: The sponsor of your retirement plan. Generally, your employer.

Purchase Payment: Collectively, the initial Purchase Payment and any additional Purchase Payment.

Purchase Payment Period (also called "Deposit Cycle" in the Contract): For Installment Purchase Payments, the period of time it takes to complete the number of Installment Purchase Payments expected to be made to your account over a year. For example, if your payment frequency is monthly, a payment period is completed after 12 Purchase Payments are made. If only 11 Purchase Payments are made, the payment period is not completed until the twelfth Purchase Payment is made. At any given time, the number of payment periods completed cannot exceed the number of Account Years completed, regardless of the number of payments made.

Subaccount: Division(s) of Variable Annuity Account B that are investment options under the Contract. Each Subaccount invests in a corresponding underlying mutual Fund.

Tax Code: The Internal Revenue Code of 1986, as amended.

VRIAC, the Company, we, us and our: Voya Retirement Insurance and Annuity Company, a stock company domiciled in Connecticut, that issues the Contract described in this summary Prospectus.

Variable Annuity Account B, the Separate Account: Voya Variable Annuity Account B, a segregated asset account established by us to fund the variable benefits provided by the Contract. The Variable Annuity Account B is registered as a unit investment trust under the Investment Company Act of 1940, as amended, and it also meets the definition of "separate account" under the federal securities laws.

Variable Investment Options: The Subaccounts of Variable Annuity Account B. Each one invests in a specific mutual Fund.

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OVERVIEW OF THE CONTRACT

This summary provides a brief overview of the more significant aspects of the Contract. Further detail is provided in this summary Prospectus, the Contract and the summary or full Prospectuses for the Funds being considered. We urge you to read the entire summary Prospectus as it describes all material features and benefits of the Contract and your rights and limitations thereunder. It also sets forth information you should know before making the decision to participate in the Contract through your retirement plan.

Certain features and benefits may vary depending on the state in which your Contract is issued, and any such material state variations are disclosed in the discussion of the features and benefits in the Prospectus. Additionally, variations in contract benefits or features described in this Prospectus may be imposed without our knowledge by some financial institutions or broker-dealers through which the Contract was sold. For more information, see "OTHER TOPICS - Financial Intermediary Variations" section of this prospectus. If you have any questions about any limitations, restrictions, or other variations related to the Portfolios, contract benefits or other contract features available to you, please reach out to your financial institution or broker-dealer.

Purpose

The Contract described in this summary Prospectus is an Installment Purchase Payment group deferred fixed and variable annuity contract (the "Installment Purchase Payment Account class of Contract"). It is intended to be used as a funding vehicle for deferred compensation plans sponsored by an employer for its employees and/or independent contractors ("plan" or "plans") and to qualify for beneficial tax treatment and/or to provide current income reduction under certain sections of the Internal Revenue Code of 1986, as amended (the "Tax Code"). The plans may be sponsored by non-governmental tax-exempt organizations for deferrals that are subject to Tax Code Section 457 ("457 Plans"), by tax-exempt organizations for deferrals not subject to Tax Code section 457 ("Non Section 457 Plans") or by taxable organizations ("Non Section 457 Plans").

The Contract is designed for Investors who intend to accumulate funds for retirement purposes, and thus is best suited for those with a long investment horizon. The Contract should not be viewed as a highly liquid investment. In that regard, early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. The value of deferred taxation on earnings grows with the amount of time your money is left in the Contract. For these reasons, you should not participate in this Contract if you are looking for a short-term investment. 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.

Phases of Contract

The Contract has two phases: An Accumulation Phase and an Income Phase.

Accumulation Phase: During the Accumulation Phase, you direct us to invest your Purchase Payments or Account Value among the follow investment options:

• Variable Investment Options; and/or
• Fixed Interest Options.

The Variable Investment Options. The Variable Investment Options are Subaccounts within the Separate Account. Each Subaccount invests its assets directly in shares of a corresponding underlying Fund, and each Fund has its own distinct investment objectives, fees and expenses and investment advisers. Earnings on amounts invested in a Subaccount will vary depending upon the performance and fees of the corresponding underlying Fund. You do not invest directly in or hold shares of the Funds.

There is no guarantee that your Account Value will increase. Depending upon the investment experience of each Fund in which a Subaccount invests, your Account Value may increase or decrease daily. You bear the investment risk for the Funds in which the Subaccounts invest; you will benefit from favorable investment experience but also bear the risk of poor investment performance.

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The Fixed Interest Options. The following Fixed Interest Options may be available through the Contract:

• The Guaranteed Accumulation Account;
• The Fixed Account and Fixed Account 2;
• The Fixed Plus Account; and
• The Fixed Plus Account II A.

Not all Fixed Interest Options may be available for current or future investment. The Guaranteed Accumulation Account is no longer offered for sale to new plans.

Additional information about the Variable Investment Options and Fixed Interest Options is provided in an appendix to this document. See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."

Income Phase: During the Income Phase, you start receiving annuity, or Income Phase, payments from your Contract. The Contract offers several Income Phase payment options. However, you will be unable to make withdrawals, and any death benefits will terminate. 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 Income Phase option that provides a death benefit to Beneficiaries; or
• Select fixed Income Phase payments or payments that vary based on the performance of the Variable Investment Options you select.

For more information about the Income Phase, see "THE INCOME PHASE" section in the full Contract prospectus.

Contract Features

Death Benefit. A Beneficiary may receive a death benefit in the event of your death during both the Accumulation and Income Phases (described above). The availability of a death benefit during the Income Phase depends upon the Income Phase (i.e., annuity) payment option selected. See "DEATH BENEFIT - Death Benefit During the Income Phase" in the full Contract prospectus.

Systematic Distribution Options. These allow you to receive regular payments from your account, while retaining the account in the Accumulation Phase. See "SYSTEMATIC DISTRIBUTION OPTIONS" in the full Contract prospectus.

Withdrawals. During the Accumulation Phase, you may, under some plans, withdraw all or part of your Account Value. Amounts withdrawn may be subject to a Market Value Adjustment (for amounts in the GAA), an early withdrawal charge, other deductions, tax withholding, taxation and tax penalties, as well as significant reductions to your Account Value and the Death Benefit, perhaps by more than the amount withdrawn. See "WITHDRAWALS" in the full Contract prospectus.

Taxation. Taxes will generally be due when you receive a distribution. Tax penalties may apply in some circumstances. See "FEDERAL Tax Considerations" in the full Contract prospectus.

Contract Adjustments

You could lose a significant amount of money due to a Market Value Adjustment ("MVA") if you remove Account Value from the GAA, a Fixed Interest Option, before the end of a Guaranteed Term. A negative MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).

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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

FEES, EXPENSES AND ADJUSTMENTS
Are There Charges or Adjustments for Early Withdrawals?

Yes. If the Investor withdraws money from the Contract within ten (10) completed Purchase Payment Periods, the Investor can be assessed an early withdrawal charge equal to a maximum of 5% of the amount withdrawn. The specified maximum percentage referenced in the preceding sentence applies to withdrawals from Contracts with installment Purchase Payments and the withdrawal charge schedule that applies to that account, but it will never exceed 8.50% of total Purchase Payments.

For example, if you make an early withdrawal from a Contract with installment Purchase Payments, you could pay a surrender charge of up to $5,000 on a $100,000 investment. This loss will be greater if there is a negative Market Value Adjustment, taxes, or tax penalties.

If all or a portion of your Account Value is removed from the Guaranteed Accumulation Account before the Guaranteed Term, we will apply a Market Value Adjustment, which may be negative and could cause a potential loss of up to 100% of your Account Value in the GAA. For example, you allocate $100,000 to the GAA with a 3-year Guaranteed Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. A MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).

See "FEE TABLE - Transaction Expenses," "FEE TABLE - Adjustments," "CHARGES, FEES AND ADJUSTMENTS - Transaction Fees - Early Withdrawal Charge," and "CHARGES, FEES AND ADJUSTMENTS - Market Value Adjustments" in the full Contract prospectus.

Are There Transaction Charges?

Yes.

• In addition to the early withdrawal charge, the Investor may also be charged for fund redemption fees; and

•   Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate.

See "CHARGES, FEES AND ADJUSTMENTS - Transaction Fees - Fund Redemption Fees" in the full Contract prospectus.

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FEES, EXPENSES AND ADJUSTMENTS

(continued from previous page)

Are There Ongoing Fees and Expenses? Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The Base Contract Expenses include an administrative expense change equal to 0.25% annually of your Account Value invested in the Subaccounts. The administrative expense charge and the $20 annual maintenance fee may be waived, reduced or eliminated in certain circumstances.
Annual Fee Minimum Maximum
Base Contract Expenses 1.50%1,2 1.50%1,2
(Portfolio Company fees and expenses) 0.46%3 1.51%3
Are There Ongoing Fees and Expenses?

Yes. Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges and negative Market Value Adjustments that substantially increase costs.

Installment Pay Installment Pay

Lowest Annual Cost Estimate:

$439

Highest Annual Cost Estimate:
$2,549

Assumes:

• Investment of $100,000;

• 5% annual appreciation;

• No optional benefits;

• Fees and expenses of least expensive Fund;

• No sales charges; and

• No additional Purchase Payments, transfers or withdrawals.

Assumes:

• Investment of $100,000;

• 5% annual appreciation;

• Fees and expenses of most expensive Fund;

• No sales charges; and

• No additional Purchase Payments, transfers or withdrawals.

See the "ADDITIONAL INFORMATION ABOUT FEES - Periodic Fees and Expenses" sections in this summary Prospectus and "CHARGES, FEES AND ADJUSTMENTS - Periodic Fees and Charges" in the full Contract prospectus.

1 As a percentage of average Account Value.
2 The Base Contract Expenses include (1) the mortality and expense risk charge (1.25%), which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit including any guaranteed death benefits; and (2) an administrative expense charge of up to 0.25%; and (3) a $20 annual maintenance fee converted to an annual percentage equal to 0.000175024%. The administrative expense charge and the annual maintenance fee may be reduced or eliminated in certain circumstances. The minimum amount reflects these waivers, reductions or eliminations, while the maximum amount does not. The minimum and maximum amounts include the maximum mortality and expense risk charge of 1.25%, although this charge may be reduced if a plan meets certain criteria and we agree to the reduction with the Contract Holder in writing. See "CHARGES, FEES AND ADJUSTMENTS - Periodic Fees and Charges" in the full Contract prospectus.
3 As a percentage the Portfolio Company's net assets. These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2025, and will vary from year to year.
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RISKS
Is There a Risk of Loss from Poor Performance?

Yes. An Investor can lose money by investing in the Contract.

See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.

Is This a Short-Term Investment?

No. This Contract is not designed for short-term investing and is not appropriate for an Investor who needs ready access to cash. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½. You might be subject to federal and state income taxes and a 10% penalty.

Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties. Amounts removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term may also result in a negative Market Value Adjustment.At the end of the Guaranteed Term we will reallocate your Account Value in the GAA according to your instructions. If you have not provided instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability:

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

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

• To a guaranteed term with the next longest duration.

See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT."

What Are the Risks Associated with the Investment Options?

An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Guaranteed Accumulation Account and the other Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision.

See "THE INVESTMENT OPTIONS - The Variable Investment Options," and "THE INVESTMENT OPTIONS - The Fixed Interest Options." in the full Contract prospectus and "APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT" to this summary Prospectus.

What Are the Risks Related to the Insurance Company?

An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims-paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-800-584-6001.

See "THE CONTRACT - The General Account" in the full Contract prospectus.

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RESTRICTIONS
Are There Limits on the Investment Options?

Yes.

•    Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information;

•    Some Subaccounts and Fixed Interest Options may not be available through your plan. Your Plan Sponsor may also have selected a subset of Variable Investment and/or Fixed Interest Options to be available under your plan. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you;

•    Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options;

•    Not all Fixed Interest Options may be available for current or future investment;

•    There are certain restrictions on transfers from the Fixed Interest Options;

•    The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and

•    The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated.

See "THE INVESTMENT OPTIONS - Selecting Investment Options and Right to Change the Separate Account," "THE CONTRACT - Limits on Frequent or Disruptive Transfers" and "OTHER TOPICS - Financial Intermediary Variations" in the full Contract prospectus.

Are There any Restrictions on Contract Benefits?

Yes.

•    We may discontinue or restrict the availability of an optional benefit;

•    Benefits available to you may vary based your plan. Please refer to your plan documents for benefits available to you; Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits;

•    If not required under your plan, we may discontinue the availability of one or all of the Systematic Distribution Options at any time and/or change the terms of future elections; and

•    Withdrawals may reduce the amount of a death benefit based on Purchase Payments by more than the amount withdrawn.

See "THE CONTRACT - Contract Provisions and Limitations - The Asset Rebalancing Program," "DEATH BENEFIT - Death Benefit Options," "SYSTEMATIC DISTRIBUTION OPTIONS - Availability of Systematic Distribution Options" and "OTHER TOPICS - Financial Intermediary Variations" in the full Contract prospectus.

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TAXES
What Are the Contract's Tax Implications?

•    You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract;

•    There is no additional tax benefit to the Investor if the Contract is purchased through a tax-qualified plan or individual retirement account ("IRA"); and

•    Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

See "FEDERAL TAX CONSIDERATIONS" in the full Contract prospectus.

CONFLICTS OF INTEREST
How Are Investment Professionals Compensated?

•    We pay compensation to broker/dealers whose registered representatives sell the Contract.

•    Compensation may be paid in the form of commissions or other compensation, depending upon the agreement between the broker/dealers and the registered representative.

•    Because of this sales-based compensation, an investment professional may have a financial incentive to offer or recommend the Contract over another investment.

See "OTHER TOPICS - Contract Distribution" in the full Contract prospectus.

Should I Exchange My Contract?

Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should exchange your contract only if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new Contract rather than continue to own the existing contract.

See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.

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BENEFITS AVAILABLE UNDER THE CONTRACT

The following table summarizes information about the benefits available under the Contract. Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits. For more information, see "OTHER TOPICS - Financial Intermediary Variations" section of the full Contract prospectus. If you have any questions about any limitations, restrictions, or other variations related to the contract benefits available to you, please reach out to your financial institution or broker-dealer.

Name of

Benefit

Purpose

Is Benefit

Standard or

Optional

Maximum

Fee

Brief Description of

Restrictions/Limitations

Account Value Death Benefit Death benefit is your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account. Standard No additional fee for this benefit

For amounts held in the Guaranteed Accumulation Account, 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.

Systematic Distribution Options Allows you to receive regular payments from your account without moving into the Income Phase. Standard No additional fee for this benefit. If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits
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BUYING THE CONTRACT

Purchasing the Contract

To purchase the Contract:

• The Contract Holder submits the required forms and application to the Company; and
• We approve the forms and issue a Contract to the Contract Holder.

Participating in the Contract

To participate in the Contract:

• Complete an enrollment form and submit it to us; and
• If your enrollment is accepted, we establish an account for you under the Contract. The Contract Holder must determine your eligibility to participate in its plan. We are not responsible for such determination.

Method of Purchase Payment

The following Purchase Payment method is available:

• Continuous payments over time into an Installment Purchase Payment Account. Payments into an Installment Purchase Payment Account must be at least $100 per month ($1,200 annually). No payment may be less than $25.

Allocation of Purchase Payments

The Contract Holder or you, if the Contract Holder permits, directs us to allocate initial Purchase Payments to the investment options available under the plan. Generally, you will specify this information on your enrollment materials. After your enrollment, changes to allocations for future Purchase Payments or transfers of existing balances among investment options may be requested by telephone, electronically at www.voyaretirementplans.com or through such other means as may be available under our administrative procedures in effect from time to time. Allocations must be in whole percentages, and there may be limitations on the number of investment options that can be selected. See "Investment Options" in the full Contract prospectus.

Transfer Credits

The Company provides a transfer credit in some cases on transferred assets, as defined by the Company, subject to certain conditions and state approvals. This benefit is provided on a nondiscriminatory basis. If a transfer credit is due under the Contract, you will be provided with additional information specific to the Contract. See "THE CONTRACT - Contract Provisions and Limitations - Transfer Credits" in the full Contract prospectus.

Tax Code Restrictions

The Tax Code places some limitations on contributions to your account. See "FEDERAL Tax Considerations" in the full Contract prospectus.

When Initial and Subsequent Purchase Payments Are Credited

Initial Purchase Payment. 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. Under limited circumstances, we may also agree, for a particular plan, to hold Purchase Payments for longer periods with the permission of the Contract Holder. If we agree

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to do this, the Purchase Payments remain in a non-interest bearing bank account until processed (or for a maximum of 105 days). If we reject the application or enrollment forms, we will return the forms and any Purchase Payments.

Subsequent Purchase Payments. If all or a portion of initial Purchase Payments are directed to the Subaccounts, they will purchase Subaccount Accumulation Units at the Accumulation Unit Value next computed after our acceptance of the applicable application or enrollment forms, as described in "CONTRACT PURCHASE AND PARTICIPATION" in the full Contract prospectus. Subsequent Purchase Payments or transfers directed to the Subaccounts that we receive in Good Order by the close of business of the New York Stock Exchange ("NYSE") (normally at 4:00 p.m. Eastern Time) will purchase Subaccount Accumulation Units at the Accumulation Unit Value computed as of the close of the NYSE 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 Accumulation Unit Value computed as of the close of the NYSE on the next business day.

MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT

Withdrawals

Subject to limitations on withdrawals from the Fixed Plus Account and the Fixed Plus Account II A and other restrictions (see "WITHDRAWALS - Withdrawal Restrictions" and "THE INVESTMENT OPTIONS - The Fixed Interest Options" in the full Contract prospectus), the Contract Holder or you, if permitted by the plan, may withdraw all or a portion of your Account Value (on your behalf) at any time during the Accumulation Phase.

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, the Guaranteed Accumulation Account (plus or minus any applicable market value adjustment) and the Fixed Account or Fixed Account 2, minus any applicable early withdrawal charge, annual maintenance fee and redemption fees, plus the amount available for withdrawal from the Fixed Plus Account and/or the Fixed Plus Account II A; or
• 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, the Guaranteed Accumulation Account or the Fixed Account or Fixed Account 2 and any positive or negative market value adjustments for amounts withdrawn from the Guaranteed Accumulation Account. The amounts available from the Fixed Plus Account and Fixed Plus Account II A 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 Customer Service.

For amounts withdrawn from Account Value allocated to the Subaccounts, we will redeem the number of Accumulation Units needed to fund the withdrawal and reduce your Account Value accordingly. For amounts withdrawn withdraw from a Fixed Interest Option, we will reduce the value of the Fixed Interest Option by the dollar amount of that portion of the withdrawal (and with respect to the Guaranteed Accumulation Account, will reflect any positive or negative market value adjustment) and will reduce your Account Value accordingly. A reduction to the Account Value due to a withdrawal results in a lesser amount available to be annuitized and a lesser death benefit. For a description of limitations on withdrawals from the Fixed Plus Account and Fixed Plus Account II A, please see "THE INVESTMENT OPTIONS - The Fixed Interest Options." in the full Contract prospectus.

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Calculation of Your Withdrawal

We determine your Account Value every normal business day after the close of the NYSE. We pay withdrawal amounts based on your Account Value either:

• As of the next valuation after Customer Service receives a request for withdrawal in Good Order; 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.

Systematic Distribution Options

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. If you elect a systematic distribution option, if amounts are taken from the GAA before the end of a Guaranteed Term, it may have an adverse impact on your Account Value. If you intend to make ongoing withdrawals, you should consult with your investment professional to discuss whether the Contract is appropriate for you.

Systematic Distribution Options Currently Available

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. To determine what systematic distribution options are available, please write or call Customer Service.

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; and
Estate Conservation Option ("ECO") - ECO offers the same investment flexibility as SWO, but is designed for those who want to receive only the minimum distribution that the Tax Code requires each year. Under ECO we calculate the minimum distribution amount required by law (generally at the applicable age as prescribed by Tax Code section 401(a)(9)) and pay you that amount once a year. ECO is available under 457 Plans only. See "FEDERAL Tax Considerations" in the full Contract prospectus.

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 Customer Service.

Availability of Systematic Distribution Options

The Company may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections.

Terminating a Systematic Distribution Option

Once a systematic distribution option is elected, the Contract Holder may revoke it at any time by submitting a written request to Customer Service. Any revocation will apply only to the amount not yet paid. Once an option is revoked for an account, it may not be elected again until the next calendar year, nor may any other systematic distribution option be elected.

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Tax Consequences

Withdrawals received through these options and revocations of elections may have tax consequences. See "FEDERAL Tax Considerations" in the full Contract prospectus.

ADDITIONAL INFORMATION ABOUT FEES

The following tables describe the fees, expenses and adjustments that you will pay when buying, owning and surrendering or making withdrawals from an Investment Option or the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time you buy the Contract, surrender or make withdrawals from the Contract. State premium taxes may also be deducted.

Transaction Expenses

Maximum Early Withdrawal Charge1
(as a percentage of amount withdrawn, if applicable) 5.00%
Premium Tax2 0.00% to 4.00%

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is removed from the Guaranteed Accumulation Account or from the Contract before the expiration of a specified period.

ADJUSTMENTS

Guaranteed Accumulation Account Maximum Potential Loss Due to Market Value Adjustment (as a percentage of Account Value withdrawn from the Guaranteed Accumulation Account)3 100%
1 This is a deferred sales charge. This charge only applies to withdrawals from Installment Purchase Payment Accounts. See "CHARGES, FEES AND ADJUSTMENTS" for the Installment Purchase Payment Account's early withdrawal charge schedule. In certain cases, this charge may not apply to a portion or all of your withdrawal. The early withdrawal charge reduces over time. This charge may be waived, reduced or eliminated in certain circumstances. See "CHARGES, FEES AND ADJUSTMENTS" in the full Contract prospectus.
2 We reserve the right to deduct a charge for 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 "CHARGES, FEES AND ADJUSTMENTS ‒ Premium and Other Taxes" in the full Contract prospectus.
3 A Market Value Adjustment will apply to withdrawals or transfers from the Guaranteed Accumulation Account. Withdrawals due to the election of a lifetime income option and Withdrawals due to the death of the participant (if paid within the first six months following death) will be subject to an aggregate MVA only if it is positive. All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative. For more information, - see "CHARGES, FEES AND ADJUSTMENTS - Contract Adjustments" in the full Contract prospectus.
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The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses).

Annual Contract Expenses

Annual Maintenance Fee1 $20.00
Base Contract Expenses2
(as a percentage of average Account Value) 		1.50%

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. Expenses shown may change over time and may be higher or lower in the future. A complete list of the Funds available under the Contract, including their annual expenses, may be found in an appendix to this summary Prospectus. See "APPENDIX:INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."

Annual Fund Expenses

Total Annual Fund Operating Expense Minimum Maximum

Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025).

0.46% 1.51%
Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) after any waivers or expense reimbursements.3 0.46% 1.44%
1 These fees may be waived, reduced or eliminated in certain circumstances. See "CHARGES, Fees AND ADJUSTMENTS - Periodic Fees and Charges" in the full Contract prospectus.
2 The mortality and expense risk charge, included in the Base Contract Expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit. The Base Contract Expenses also reflect an administration expense charge equal to 0.25% annually of your Account Value invested in the Subaccounts. These fees may be reduced or eliminated in certain circumstances. See "CHARGES, FEES AND ADJUSTMENTS - Periodic Fees and Charges" in the full Contract prospectus.
3 Any expense waivers or reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the Fund company's board of directors.
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Examples

These examples are intended to help you compare the cost of investing in the Variable Investment Options with the cost of investing in other annuity contracts that offer Variable Investment Options. These costs include transaction expenses (assuming no loans), annual Contract expenses and annual Fund expenses.

The Example assumes all Account Value is allocated to the Variable Investment Options. Your costs could differ from those below if you invest in the Fixed Income Options, including the GAA. The examples do not reflect the Market Value Adjustment you may incur if you remove Contract Value from the GAA prior to the end of a Guarantee Period.

The following examples assume that you invest $100,000 in the Variable Investment Options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Fund expenses. 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:* 1 Year 3 Years 5 Years 10 Years
$8,140 $14,608 $21,335 $33,273
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
$3,040 $9,303 $15,818 $33,273
* This example reflects deduction of an early withdrawal charge calculated using the schedule applicable to Installment Purchase Payment Accounts. The Installment Purchase Payment Accounts schedule is listed in "CHARGES, FEES AND ADJUSTMENTS." Under that schedule, if only one $100,000 payment was made as described above, fewer than five Purchase Payment periods would have been completed at the end of years one, three and five, and the 5% charge would apply. At the end of the tenth Account Year, the early withdrawal charge is waived regardless of the number of Purchase Payment Periods completed and no early withdrawal charge would apply.
** This example does not apply if during the Income Phase a nonlifetime payment option is elected with variable payments and a lump-sum withdrawal is requested within three 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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APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The Variable Options and Fixed Interest Options available to you may vary based on employer. You should refer to your plan documents for a list of available Investment Options. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. For more information, see "OTHER TOPICS - Financial Intermediary Variations" in the full Contract prospectus. If you have any questions about any limitations, restrictions, or other variations related to the investment options available to you, please reach out to your financial institution or broker-dealer.

Variable Options

The following is a list of Funds available under the Contract. The Funds available to you are also found online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA00980, by calling Customer Service at 1-800-584-6001 or by sending an email request to [email protected].

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks growth of capital.

American Funds Insurance Series® - Growth Fund (Class 2)

Investment Adviser: Capital Research and Management CompanySM

0.58% 20.24% 13.37% 17.97%
Seeks long-term growth of capital and income.

American Funds Insurance Series® - Growth-Income Fund (Class 2)

Investment Adviser: Capital Research and Management CompanySM

0.53% 18.06% 13.90% 13.92%
Seeks long-term growth of capital.

American Funds Insurance Series® - EUPAC Fund (Class 2)**

Investment Adviser: Capital Research and Management CompanySM

0.72%* 26.77% 3.40% 7.00%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective May 1, 2026, the American Funds Insurance Series® - International Fund changed its name to the American Funds Insurance Series® - EUPAC Fund.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.

Calvert VP SRI Balanced Portfolio (Class I)

Investment Adviser: Calvert Research and Management

0.65% 11.48% 8.68% 9.81%
Seeks long-term capital appreciation.

Columbia Variable Portfolio - Acorn Fund**

Investment Adviser: Columbia Wanger Asset Management, LLC

0.91%* 4.47% 1.02% 8.66%
Seeks long-term capital appreciation.

Columbia Variable Portfolio - Acorn International Fund***

Investment Adviser:

Columbia Wanger Asset Management, LLC

1.08%* 12.76% -1.00% 4.31%
Seek total return consisting of capital appreciation and current income.

Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares)1

Investment Adviser: Dimensional Fund Advisors LP

0.28%* 14.68% 8.42% 8.65%
Seeks to provide current income.

Federated Hermes Fund for U.S. Government Securities II (Primary Shares)

Investment Adviser: Federated Investment Management Company

0.78%* 6.80% -0.84% 1.06%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective at the opening of business on June 2, 2025, the name of the Wanger Acorn Fund changed to the Columbia Variable Portfolio - Acorn Fund.
*** Effective at the opening of business on June 2, 2025, the name of the Wanger International Fund changed to the Columbia Variable Portfolio - Acorn International Fund.
1 Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks high current income.

Federated Hermes High Income Bond Fund II (Primary Shares)

Investment Adviser: Federated Investment Management Company

0.81%* 8.23% 3.70% 5.59%
Seeks long-term capital appreciation.

Fidelity® VIP ContrafundSM Portfolio (Initial Class)

Investment Adviser: Fidelity Management & Research Company LLC ("FMR")

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

0.54% 21.52% 15.37% 15.78%
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® Index.

Fidelity® VIP Equity-Income Portfolio SM (Initial Class)**

Investment Adviser: Fidelity Management & Research Company LLC ("FMR")

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

0.46% 19.02% 12.51% 11.60%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** The Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to the Fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to achieve capital appreciation.

Fidelity® VIP Growth Portfolio (Initial Class)

Investment Adviser: Fidelity Management & Research Company LLC ("FMR")

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

0.55% 14.92% 13.70% 17.45%
Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets.

Fidelity® VIP International Index Portfolio (Initial Class)**, ***

Investment Adviser:

Fidelity Management & Research Company LLC

Subadviser:

Geode Capital Management, LLC

0.16% 33.15% 8.02% N/A
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** The Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to the Fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
*** Effective June 13, 2025, the Voya Emerging Markets Index Portfolio (Class I) liquidated and was substituted with the Fidelity VIP International Index Portfolio (Initial Class).
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital.

Fidelity® VIP Overseas Portfolio (Initial Class)**

Investment Adviser: Fidelity Management & Research Company LLC ("FMR")

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited

0.72% 20.39% 6.62% 7.93%
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 Cap Value VIP Fund

(Class 2)***

Investment Adviser: Franklin Mutual Advisers, LLC

0.91%* 7.65% 8.86% 9.81%
A non-diversified Fund that seeks capital growth.

Invesco V.I. American Franchise Fund (Series I)

Investment Adviser: Invesco Advisers, Inc.

0.85% 11.67% 10.35% 14.87%
Seeks long-term growth of capital.

Invesco V.I. Core Equity Fund (Series I)

Investment Adviser: Invesco Advisers, Inc.

0.80% 16.17% 12.81% 11.73%
Seeks total return.

Invesco V.I. Main Street Small Cap Fund® (Series I)

Investment Adviser: Invesco Advisers, Inc.

0.84% 8.70% 8.34% 10.59%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** The Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to the fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
*** The Franklin Small Cap Value VIP Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.

Lord Abbett Series Fund, Inc. - Mid Cap Stock Portfolio (Class VC)

Investment Adviser: Lord, Abbett & Co. LLC

1.15% 7.05% 10.16% 7.98%
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.

PIMCO VIT Real Return Portfolio (Admin Class)

Investment Adviser: Pacific Investment Management Company LLC

1.39% 7.85% 1.21% 3.21%
Maximize total return through a combination of income and capital appreciation.

Victory Pioneer High Yield VCT Portfolio (Class I)

Investment Adviser: Amundi Asset Management US, Inc.

0.97%* 8.16% 4.21% 5.49%
Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation.

Voya Balanced Income Portfolio (Class I)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.58%* 11.96% 5.92% 7.16%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective on or about July 24, 2026, the Voya Balanced Income Portfolio (Institutional Class I) is liquidating and will be replaced by the Voya Retirement Moderate Portfolio (Institutional Class I).
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to maximize total return through a combination of current income and capital appreciation.

Voya Global Bond Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.69%* 8.80% -2.30% 1.82%
Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.60%* 19.00% 10.52% 9.05%
Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.85%* 18.73% 10.25% 8.78%
Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class S2)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.00%* 18.47% 10.08% 8.63%
Seeks capital appreciation.

Voya Global Insights Fund (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.81%* 24.31% 7.21% 10.97%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks capital appreciation.

Voya Global Insights Portfolio (Class S)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.06%* 24.14% 6.96% 10.70%
Seeks total return.

Voya Global Perspectives® Portfolio (Class I)***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.85%* 14.23% 3.46% 6.38%
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 Government Money Market Portfolio (Class I)****

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.40%* 4.02% 3.02% 1.96%
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 Growth and Income Portfolio (Class I)*****

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.67%* 18.21% 15.46% 14.62%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class S) is liquidating and will be replaced with the DFA VA Equity Allocation Portfolio (Institutional Class).
*** Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).
**** There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return.
***** The Voya Growth and Income Portfolio is only available to those Contracts that were offering the ING Opportunistic LargeCap Portfolio (Class I) as of August 20, 2010.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide Investors with a high level of current income and total return.

Voya High Yield Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.50% 8.80% 3.92% 5.82%
Seeks to provide Investors with a high level of current income and total return.

Voya High Yield Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.75% 8.41% 3.66% 5.55%
Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk.

Voya Index Plus LargeCap Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.55%* 15.20% 13.73% 13.90%
Seeks to outperform the total return performance of the S&P MidCap 400® Index while maintaining a market level of risk.

Voya Index Plus MidCap Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.60%* 8.16% 9.90% 9.75%
Seeks to outperform the total return performance of the S&P SmallCap 600® Index while maintaining a market level of risk.

Voya Index Plus SmallCap Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.60%* 8.27% 8.97% 9.23%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
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 Intermediate Bond Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.55%* 7.71% 0.15% 2.66%
Seeks maximum total return.

Voya International High Dividend Low Volatility Portfolio (Class I)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.76% 37.60% 11.59% 7.83%
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 International Index Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.45%* 30.89% 8.50% 7.91%
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 International Index Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.70%* 30.48% 8.21% 7.62%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** This Fund employs a managed volatility strategy. See "THE INVESTMENT OPTIONS - The Variable Investment Options - Funds with Managed Volatility Strategies" for more information.
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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
A non-diversified Fund that seeks long-term capital growth.

Voya Large Cap Growth Portfolio (Class I)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc.***

0.67%* 15.33% 12.23% 15.19%
A non-diversified Fund that seeks long-term capital growth.

Voya Large Cap Growth Portfolio (Class S) **

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc***

0.92%* 15.09% 11.96% 14.90%

Seeks long-term growth of capital and current income.

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

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.10%* 12.66% 12.56% 10.85%
Seeks long-term capital appreciation.

Voya MidCap Opportunities Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.83%* 3.90% 4.55% 10.97%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.
*** Effective October 27, 2025, T. Rowe Price Associates, Inc. was added as a subadviser for the Voya Large Cap Growth Portfolio.
**** Effective February 6, 2026, the Voya Large Cap Value Portfolio and VY T. Rowe Price Equity Income Portfolio merged into the Voya Large Cap Value Fund.
ISP.75996-26 (Installment Contracts) 29

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
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 RussellTM Large Cap Growth Index Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.43%* 18.12% 16.24% 18.65%
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 RussellTM Large Cap Index Portfolio (Class I)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.36%* 18.75% 14.72% 15.36%
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 RussellTM Large Cap Value Index Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.43%* 17.94% 11.69% 10.53%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Growth Index.

Voya RussellTM Mid Cap Growth Index Portfolio (Class S)***,****

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.65%* 8.08% 5.98% 11.77%
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 RussellTM Mid Cap Index Portfolio (Class I)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.40%* 10.08% 8.26% 10.59%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** The Voya RussellTM Large Cap Index Portfolio is no longer available to new investments.
*** The Voya RussellTM Mid Cap Growth Index Portfolio (Class S) is no longer available to new investments.
**** Effective on or about July 10, 2026, the Voya RussellTM Mid Cap Growth Index Portfolio will merge into the Voya RussellTM Mid Cap Index Portfolio.
ISP.75996-26 (Installment Contracts) 30

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
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 RussellTM Small Cap Index Portfolio (Class I)


Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.43%* 12.51% 5.75% 9.29%
Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.

Voya Small Company Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.87%* 8.59% 6.26% 8.39%
Seeks long-term capital appreciation.

Voya SmallCap Opportunities Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.92%* 14.80% 5.85% 9.11%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
ISP.75996-26 (Installment Contracts) 31

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
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 2035 Portfolio
(Class S)**,***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.98%* 16.05% 7.22% 8.68%
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 2045 Portfolio
(Class S)***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.00%* 19.15% 9.07% 9.92%
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 2055 Portfolio
(Class S)***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.03%* 19.64% 9.34% 10.09%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See "THE INVESTMENT OPTIONS - The Variable Investment Options - Funds of Funds" for more information.
*** The Fund is currently available under your variable annuity contract. If this Fund was not added to your plan on September 1, 2021, it was automatically made available to your plan on or about November 12, 2021.
ISP.75996-26 (Installment Contracts) 32

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
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 2065. 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 2065 Portfolio
(Class S)**,***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.03%* 19.80% 9.38% N/A
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2070 Portfolio
(Class S) **,***
Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

1.03%* N/A N/A N/A
Seeks growth of capital.

Voya Solution Aggressive Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.77%* 16.87% 9.89% 10.55%
Seeks to provide capital growth through a diversified asset allocation strategy.

Voya Solution Balanced Portfolio (Class I)****

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.75%* 13.05% 6.84% 8.04%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See "THE INVESTMENT OPTIONS - The Variable Investment Options - Funds of Funds" for more information.
*** The Fund became available for investment on August 11, 2025.
**** Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).
ISP.75996-26 (Installment Contracts) 33

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution Conservative Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.66%* 8.33% 2.97% 4.77%
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution Income Portfolio (Class S)**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.93%* 10.94% 3.33% 5.15%
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.

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

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.36%* 6.70% -0.75% 1.64%
Seeks total return.

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

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.27% 17.53% 14.10% 14.51%
Seeks long-term capital growth. Income is a secondary objective.

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

Investment Adviser: Voya Investments, LLC

Subadviser: American Century Investment Management, Inc.

1.10%* 4.99% 8.19% 9.00%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See "THE INVESTMENT OPTIONS - The Variable Investment Options - Funds of Funds" for more information.
ISP.75996-26 (Installment Contracts) 34

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks capital appreciation.

VY® Baron Growth Portfolio
(Class S)**

Investment Adviser: Voya Investments, LLC

Subadviser: BAMCO, Inc.

1.25%* -10.94% -0.34% 9.17%
Seeks high total return consisting of capital appreciation and current income.

VY® CBRE Global Real Estate Portfolio (Class I)***

Investment Adviser: Voya Investments, LLC

Subadviser: CBRE Investment Management Listed Real Assets, LLC

0.91%* 6.82% 4.03% 3.99%
Seeks total return consisting of long-term capital appreciation and current income.

VY® Columbia Contrarian Core Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Columbia Management Investment Advisers, LLC

0.96%* 17.08% 13.87% 14.01%
Seeks total return including capital appreciation and current income.

VY® Columbia Real Estate Portfolio (Class S)***

Investment Adviser: Voya Investments, LLC

Subadviser: Columbia Management Investment Advisers, LLC***

1.00%* 0.03% 5.67% 4.80%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective on or about July 17, 2026, the VY® Baron Growth Portfolio (Service Class) is liquidating and will be replaced by the Voya MidCap Opportunities Portfolio (Initial Class).
*** Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to VY® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC.
ISP.75996-26 (Installment Contracts) 35

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital.

VY® Columbia Small Cap Value and Inflection Portfolio (Class S)**

Investment Adviser: Voya Investments, LLC

Subadviser: Columbia Management Investment Advisers, LLC

1.18%* 8.04% 9.60% 8.92%
Seeks capital growth and income.

VY® Invesco Comstock Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Invesco Advisers, Inc.

0.97%* 17.02% 14.95% 11.75%
Seeks total return consisting of long-term capital appreciation and current income.

VY® Invesco Equity and Income Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

Subadviser: Invesco Advisers, Inc.

0.64%* 12.80% 8.82% 8.86%
Seeks total return consisting of long-term capital appreciation and current income.

VY® Invesco Equity and Income Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Invesco Advisers, Inc.

0.89%* 12.53% 8.55% 8.59%
Seeks long-term growth of capital and income.

VY® Invesco Growth and Income Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: Invesco Advisers, Inc.

0.90% 15.35% 12.82% 10.72%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** Effective May 1, 2026, the VY® Columbia Small Cap Value II Portfolio changed its name to the VY® Columbia Small Cap Value and Inflection Portfolio.
ISP.75996-26 (Installment Contracts) 36

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INVESTMENT OBJECTIVE

FUND NAME

INVESTMENT ADVISER/SUBADVISER

CURRENT EXPENSES

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks capital appreciation.

VY® JPMorgan Emerging Markets Equity Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: J.P. Morgan Investment Management Inc.

1.44%* 38.77% 0.04% 9.00%
Seeks growth from capital appreciation.

VY® JPMorgan Mid Cap Value Portfolio (Class S)**

Investment Adviser: Voya Investments, LLC

Subadviser: J.P. Morgan Investment Management Inc.

1.10%* 4.37% 9.26% 8.48%
Seeks capital growth over the long term.

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

Investment Adviser: Voya Investments, LLC

Subadviser: J.P. Morgan Investment Management Inc.

1.14% 3.65% 4.63% 8.77%
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 Capital Appreciation Portfolio (Class S)

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

0.90% 12.02% 9.22% 11.04%
Seeks long-term capital appreciation.

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

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

0.80%* 9.92% 7.24% 12.78%
Seeks long-term capital appreciation.

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

Investment Adviser: Voya Investments, LLC

Subadviser: T. Rowe Price Associates, Inc.

1.05%* 9.67% 6.97% 12.49%
* Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.
** The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to the close of business on February 7, 2014.
ISP.75996-26 (Installment Contracts) 37

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Fixed Interest Options

The following is a list of Fixed Interest Options currently available under the Contract. We may change the features of the Fixed Interest Options listed below, offer new Fixed Interest Options, and terminate existing Fixed Interest Options. We will provide you with written notice before doing so.

Note: If amounts are withdrawn from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we may apply a Market Value Adjustment. This may result in a significant reduction in your Account Value.

For more information about the Fixed Interest Options and the Market Value Adjustment, see "THE INVESTMENT OPTIONS - Fixed Interest Options" and "CHARGES, FEES AND ADJUSTMENTS - Market Value Adjustment" in the full Contract prospectus.

Name Term* Minimum Guaranteed Interest Rate**
Guaranteed Accumulation Account 1 month to 10 years 0.25%
The Fixed Account and Fixed Account 2 N/A 1.00%
The Fixed Plus Account N/A 3.00%
The Fixed Plus Account II A N/A 1.00%
* The terms available under your plan may vary.
** The guaranteed minimum interest rate for your Contract is stated in your Contract, and will not be less than stated.
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This summary Prospectus incorporates by reference the full Group Variable Annuity Contracts for Employer-Sponsored Deferred Compensation Plans Contract prospectus and Statement of Additional Information ("SAI"), each dated May 1, 2026, as amended or supplemented. You can find these documents online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA00980 for the Contract Prospectus and https://vpx.broadridge.com/getcontract1.asp?dtype=sai&cid=voyavpx&fid=NRVA00980 for the SAI. You can also obtain these documents at no cost by calling 1-800-584-6001 or by sending an email request to [email protected].

EDGAR Contract Identifier: C000002956
C000275673
ISP.75996-26 (Installment Contracts) 39
Variable Annuity Account B of Voya Retirement Insurance & Annuity Co. published this content on April 28, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 28, 2026 at 21:04 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]