Item 5. Principal Risks [Table Text Block]

PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

The decision to participate or invest in the Contract should be discussed with your financial representative. Make sure that you understand the risks you will face when you consider an investment in the Contract.

There are risks associated with investing in the Contract.

•

Market Risk - You bear the risk of any decline in the Account Value caused by the performance of the underlying Funds held by the Subaccounts. Those Funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying Fund. The investment risks are described in the Prospectuses for the underlying Funds. There also is investment risk associated with an investment in the Guaranteed Accumulation Account. if you remove Account Value before the end of a Guaranteed Term. If interest rates at the time of a 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 Guaranteed Accumulation Account;

•

Early Withdrawal Risk – You should carefully consider the risk associated with withdrawals, including a surrender of the participant’s certificate and a withdrawal under a certificate. A surrender or partial withdrawal may be subject to federal and state taxes, including a 10% federal income tax penalty on the taxable portion of the withdrawal, if taken prior to age 59½. Surrendering the participant certificate terminates the certificate. You may also incur a negative MVA if you remove Account Value from the Guaranteed Accumulation Account before the end of a Guaranteed Term. Under extreme conditions, you could lose up to 100% of your withdrawal from the GAA due to a negative MVA. Withdrawals can result in a significant reduction in your Account Value, death benefit and benefits under a participant certificate, potentially by more than the amount withdrawn. Because of Contract features like these and given the tax consequences referred to above, you should not view the Contract as a short-term savings vehicle;

•

Insurance Company Insolvency - It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore become unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we have promised;

•

Contract Changes - We do not guarantee that each Fund or Fixed Interest Option 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, combine two or more Subaccounts; close Subaccounts and, unless we receive alternative allocation instructions, allocate all future amounts directed to the Subaccount that was closed or is unavailable among the other available Subaccounts according to the most recent allocation instructions we have on file; or substitute a new Fund for a Fund in which a Subaccount currently invests. Additionally, we may limit your ability to make transfers between investment options if you violate our policy on frequent or disruptive transfers.

•

Contract Benefits – Loans and withdrawal may reduce the amount of a death benefit based on Purchase Payments by more than the amount of the loan or withdrawal due to proportional reductions in the premium amount;

•

Tax Consequences - Early withdrawals may be restricted by the Tax Code or your plan or may expose you to early withdrawal charges or tax penalties. The value of deferred taxation on earnings grows with the amount of time funds are left in the Contract;

•

Short-Term Investment – 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 age 59½; and

•

Business Disruption and Cybersecurity Risks – We rely on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions) and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks).

Cybersecurity risks include, but are not limited to, the loss, theft, misuse, corruption, and destruction of data maintained online or digitally, interference with or denial of service, attacks on our website (or the websites of third parties on whom we rely), disruption of routine business operations, and unauthorized release of confidential customer information. The

risk of cyber-attacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyber-attacks, a cybersecurity breach could occur and persist for an extended period of time without detection.

Systems failures and cybersecurity incidents affecting us, our affiliates, the underlying funds, intermediaries, service providers, and other third parties on whom we rely may adversely affect your contract value and interfere with our ability to process contract transactions and calculate contract values. Systems failures and cybersecurity breaches may cause us to be unable to process orders from our website or with the underlying funds, cause us to be unable to calculate unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and our service providers and intermediaries to regulatory fines, litigation, and financial losses, and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value.

The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract.

In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic (such as COVID-19), could affect the ability of our employees or the employees of our service providers to perform their job responsibilities. They could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect the our service providers and intermediaries, the underlying funds and the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters.

Benefits Available (N-4) [Text Block]

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 this 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

This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”).

Return of Purchase Payment Death Benefit

Death benefit is the greater of:

• Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or

• The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your

Standard*

No additional fee for this benefit.

If Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/Limitations
	account and any outstanding loan amount.
Adjusted Purchase Payment Guaranteed Death Benefit	The death benefit is the greater of (a) or (b), where: (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable.	Standard*	No additional fee for this benefit.	If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.
Asset Rebalancing Program	Allows you to reallocate your Account Value in the investments and percentages you identify.	Standard	No additional fee for this benefit.	Account Values invested in certain investment options may not be available for rebalancing under this program. 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. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.
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.

Name of Benefit

Purpose

Is Benefit Standard or Optional

Maximum Fee

Brief Description of Restrictions/Limitations

Loans

Allows you to borrow against your Account Value.

Standard

Loan Interest Rate Spread (per annum): 3.00%; or

Loan Initiation Fee: $125 per loan; and

Annual Loan Administration Fee: $50 per loan.

Amounts borrowed under a Contract do not participate in the investment performance of the Subaccounts and the interest guarantees of the Fixed Interest Options and you may lose the benefit of tax-deferred growth on earnings. Loans, therefore, can affect the Account Value and death benefit whether or not the loan is repaid. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.

*	One of these death benefits is available under a plan. Participants should refer to their plan documents for available benefits.

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”):

•

Under Contracts issued in connection with most types of plans except most voluntary 403(b) and 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 most group Contracts issued in connection with voluntary 403(b) and Roth 403(b) plans, you may generally designate your own Contract Beneficiary who will normally be your Plan Beneficiary, as well.

During the Accumulation Phase

For death benefit information applicable to the Income Phase, see “THE Income Phase – Death Benefit During the Income 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 (see below); and

•

Within seven calendar days after Customer Service receives proof of death acceptable to us and a payment request in Good Order, we will mail payment, unless otherwise requested.

Until a death benefit request is in Good Order and a payment option is selected, account dollars will remain invested as at the time of your death and no distributions will be made.

Benefit Payment Options

The following payment options are available, if allowed by the Tax Code:

•

Lump-sum payment;

•

Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or

•

Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”

Leaving the Account Value invested in the contract is also an available option under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in the Contract.

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 Customer Service. Beneficiaries should carefully review all settlement and payment options available under the Contract and are encouraged to consult with a financial professional or tax 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 Options

The various death benefit options that may be made available by the Company under the Contract are listed below. Only one of these death benefits is available under your plan. For information about the death benefit applicable to you, please see your certificate/enrollment materials or the Contract (held by the Contract Holder).

Account Value Death Benefit. For most Contracts, the death benefit will be based on your Account Value. 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. We describe the market value adjustment in “CHARGES, FEES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION.

The death benefit is calculated as of the next time we value your account following the date on which Customer Service receives proof of death and a payment request in Good Order. In addition to this amount, some states require we pay interest on amounts invested in Fixed Interest Options, calculated from date of death at a rate specified by state law.

Return of Purchase Payment Death Benefit. Some 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. The charge for this guaranteed death benefit, if any, is included within the mortality and expense risk charge applicable under your Contract, and is one of the factors we evaluate when we determine the mortality and expense risk charge applicable to your group Contract. See “CHARGES, Fees AND ADJUSTMENTS – Periodic Fees and Charges - Mortality and Expense Risk Charge.” For those Contracts, the guaranteed death benefit is the greater of:

•

Your Account Value on the day that Customer Service receives proof of death and a request for payment in Good Order plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; 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 payment option within six months of your death, the amount of the death benefit is the Account Value as of the next valuation following Customer Service’s receipt of acceptable proof of death and a payment request in Good Order. See the Contract and/or certificate/enrollment materials for treatment of amounts held in the Guaranteed Accumulation Account.

There is no additional fee associated with the Return of Purchase Payment Death Benefit Option.

Adjusted Purchase Payment Guaranteed Death Benefit. Under another form of guaranteed death benefit that may be available under certain Contracts, the death benefit payable under the Contract will never be less than the amount of adjusted Purchase Payments made to your account (as defined below), less a proportional adjustment for amounts withdrawn or borrowed from your account. The charge for this guaranteed death benefit, if any, is included within the mortality and expense risk charge applicable under your Contract, and is one of the factors we evaluate when we determine the mortality and expense risk charge applicable to your group Contract. See “CHARGES, Fees AND ADJUSTMENTS – Periodic Fees and Charges - Mortality and Expense Risk Charge.”

Calculating the Adjusted Purchase Payment Guaranteed Death Benefit. The death benefit under the Adjusted Purchase Payment Guaranteed Death Benefit is guaranteed to be the greater of (a) or (b) as calculated as of the next Valuation Date following Customer Service’s receipt of proof of death and a completed election form in Good Order where:

(a)

is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero (see “Calculating Adjusted Purchase Payments” below); and

(b)

is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. See “CHARGES, FEES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION.”

If the amount of the death benefit in (a) is greater than the amount in (b), the Company will deposit the difference into your account. The amount, if any, will be deposited into your account proportionally across your current investment allocations as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a completed election form in Good Order.

If the Beneficiary in that situation requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date we deposit the difference into your account.

If the amount of the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order.

In the event a Beneficiary elects to defer distribution of the death benefit, the amount paid to the Beneficiary when the Beneficiary elects to begin distribution of the death benefit will equal the current Account Value, excluding any amounts taken as a loan, plus or minus any applicable market value adjustment, as of the next Valuation Date following Customer Service’s receipt of the distribution request in Good Order. The amount paid may be more or less than the amount of the death benefit determined above on the date notice of death and an election to defer payment was received. No additional death benefit is payable upon the Beneficiary’s death.

Calculating Adjusted Purchase Payments. The adjusted Purchase Payment total above is initially equal to the first Purchase Payment. The adjusted Purchase Payment total is then adjusted for each subsequent Purchase Payment, loan repayment, or partial withdrawal. The adjustment for subsequent Purchase Payments and loan repayments will be dollar for dollar. The adjustment for partial withdrawals, including loans taken, will be proportionate, reducing the adjusted Purchase Payment total in the same proportion that the current Account Value, excluding any amounts taken as loans, was reduced on the date of the partial withdrawal. The proportionate adjustment of the adjusted Purchase Payment total for each partial withdrawal is defined as the adjusted Purchase Payment total at that time, multiplied by the fraction A divided by B (A/B), where:

A is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and

B is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.

There is no additional fee associated with the Adjusted Purchase Payment Guaranteed Death Benefit Option.

For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $60,000, the adjustment to your purchase payment will be $50,000 * $10,000/$60,000 = $8,333, meaning that your new adjusted Purchase Payment is $41,667. If you take a withdrawal when your Account Value is less than your adjusted Purchase Payments, your adjusted Purchase Payments may be reduced by more than your withdrawal. For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $40,000, the adjustment to your purchase payment will be $50,000 * $10,000/$40,000 = 12,500, meaning that your new adjusted Purchase Payment is $37,500.

Tax Code Requirements

The Tax Code requires distribution of death benefit proceeds within a certain period of time and these requirements have recently changed generally for deaths after January 1, 2020. 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.

Benefits Available [Table Text Block]

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

This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”).

Return of Purchase Payment Death Benefit

Death benefit is the greater of:

• Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or

• The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your

Standard*

No additional fee for this benefit.

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Brief Description of Restrictions/Limitations
	account and any outstanding loan amount.
Adjusted Purchase Payment Guaranteed Death Benefit	The death benefit is the greater of (a) or (b), where: (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable.	Standard*	No additional fee for this benefit.	If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.
Asset Rebalancing Program	Allows you to reallocate your Account Value in the investments and percentages you identify.	Standard	No additional fee for this benefit.	Account Values invested in certain investment options may not be available for rebalancing under this program. 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. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.
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.

Name of Benefit

Purpose

Is Benefit Standard or Optional

Maximum Fee

Brief Description of Restrictions/Limitations

Loans

Allows you to borrow against your Account Value.

Standard

Loan Interest Rate Spread (per annum): 3.00%; or

Loan Initiation Fee: $125 per loan; and

Annual Loan Administration Fee: $50 per loan.

Optional Benefit Expense, Footnotes [Text Block]

Benefits Description [Table Text Block]

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”):

•

During the Accumulation Phase

For death benefit information applicable to the Income Phase, see “THE Income Phase – Death Benefit During the Income 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 (see below); and

•

Within seven calendar days after Customer Service receives proof of death acceptable to us and a payment request in Good Order, we will mail payment, unless otherwise requested.

Until a death benefit request is in Good Order and a payment option is selected, account dollars will remain invested as at the time of your death and no distributions will be made.

Benefit Payment Options

The following payment options are available, if allowed by the Tax Code:

•

Lump-sum payment;

•

Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or

•

Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”

Leaving the Account Value invested in the contract is also an available option under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in the Contract.

Payment of Death Benefit or Proceeds

Death Benefit Options

•

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

There is no additional fee associated with the Return of Purchase Payment Death Benefit Option.

(a)

(b)

A is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and

B is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.

There is no additional fee associated with the Adjusted Purchase Payment Guaranteed Death Benefit Option.

Tax Code Requirements

Operation of Benefit [Text Block]

Death Benefit Options

•

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

There is no additional fee associated with the Return of Purchase Payment Death Benefit Option.

(a)

(b)

A is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and

B is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.

There is no additional fee associated with the Adjusted Purchase Payment Guaranteed Death Benefit Option.

Calculation Method of Benefit [Text Block]

Benefit Payment Options

The following payment options are available, if allowed by the Tax Code:

•

Lump-sum payment;

•

Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or

•

Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”

Leaving the Account Value invested in the contract is also an available option under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in the Contract.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

APPENDIX A: 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” section of this 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. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA28672. You can also request this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to ProspectusRequests@voya.com.

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)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital appreciation.	Alger Responsible Investing Fund (Class A) ^ Investment Adviser:** Fred Alger Management, LLC	1.10%*	15.89%	11.33%	14.80%
Seeks to provide long-term capital appreciation.	AMG River Road Mid Cap Value Fund (Class N)^ Investment Adviser: AMG Funds LLC Subadviser:** River Road Asset Management, LLC	1.11%*	11.75%	13.50%	9.79%
Seeks long-term capital growth, consistent with Islamic principles.	Amana Growth Fund (Investor Shares)^ Investment Adviser:** Saturna Capital Corporation	0.86%^***	15.75% (1)	15.42%^***	14.46%^***
Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.	Amana Income Fund (Investor Shares)^ Investment Adviser:** Saturna Capital Corporation	1.01%^***	12.88%^***	10.31%^***	9.62%^***

Seeks long-term capital appreciation and current income.

American Beacon Small Cap Value Fund (Investor Shares)^**

Investment Adviser: American Beacon Advisors, Inc.

Subadviser:
Barrow, Hanley, Mewhinney & Strauss, LLC; DePrince, Race & Zollo, Inc.; Hotchkis and Wiley Capital Management, LLC; Brandywine Global Investment Management, LLC; Newton Investment Management North America, LLC

1.16%

4.43%

8.83%

8.42%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.	American Century Investments^® Inflation-Adjusted Bond Fund (Investor Class) ^ Investment Adviser:** American Century Investment Management, Inc.	0.54%	6.67%	0.84%	2.70%
Seeks to strive for the balanced accomplishment of three objectives: current income, growth of capital and conservation of principal.	American Funds^® – American Mutual Fund^®(Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.62%	16.08%	11.71%	11.28%
Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital.	American Funds^® – Capital Income Builder^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.61%	20.34%	9.06%	7.80%
Seeks to provide long-term growth of capital.	American Funds^® – EUPAC Fund^®(Class R4)^{, *} Investment Adviser: Capital Research and Management Company^SM	0.82%	28.71%	4.22%	8.08%
Seeks to achieve long-term growth of capital and income.	American Funds^® – Fundamental Investors^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.62%	24.24%	14.42%	14.04%
Seeks to provide long-term capital appreciation.	American Funds^® – New World Fund^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.92%	28.16%	5.25%	9.54%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective June 2, 2025, the American Funds^® EuroPacific Growth Fund^®(Class R4) has changed its name to the American Funds^® EUPAC Fund^® (Class R4).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide long-term growth of capital.	American Funds^® – SMALLCAP World Fund^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	1.00%	14.04%	1.42%	8.86%
Seeks to provide growth of capital.	American Funds^® – The Growth Fund of America^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.63%	19.88%	11.76%	15.11%
Seeks long-term capital appreciation.	Ariel Fund (Investor Class) ^ Investment Adviser:** Ariel Investments, LLC	1.01%	14.15%	9.36%	9.51%
Seeks maximum long-term capital growth.	Artisan International Fund (Investor Class) ^ Investment Adviser:** Artisan Partners Limited Partnership	1.19%	36.03%	8.56%	8.26%
Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income.	Ave Maria Rising Dividend Fund^ Investment Adviser:** Schwartz Investment Counsel, Inc.	0.90%	-0.39%	8.90%	10.31%
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.	BlackRock Mid Cap Value Fund (Institutional Class)^ Investment Adviser:** BlackRock Advisors, LLC	0.75%*	13.68%	11.17%	11.04%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks capital appreciation.	ClearBridge Growth Fund (Class I)^ Investment Adviser: Legg Mason Partners Fund Advisor, LLC Subadviser:** Clearbridge Investments, LLC	0.84%	13.72%	5.10%	7.95%
The investment objective of the Fund is total return through investment in real estate securities.	Cohen & Steers Real Estate Securities Fund, Inc. (Class A)^ Investment Adviser:** Cohen & Steers Capital Management, Inc.	1.10%	4.00%	5.40%	6.36%
Seeks long-term capital appreciation.	Columbia Select Mid Cap Value Fund (Class A)^ Investment Adviser:** Columbia Management Investment Advisers, LLC	1.13%	13.62%	11.06%	10.19%
Seeks long-term capital appreciation.	Columba 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^** Investment Adviser:** Columbia Wanger Asset Management, LLC	1.08%*	12.76%	-1.00%	4.31%
Seeks long-term growth of capital.	Davis Financial Fund (Class Y)^ Investment Adviser: Davis Selected Advisers, L.P. Subadviser:** Davis Selected Advisers-NY, Inc.	0.71%¹	29.83%¹	11.26%¹	10.36%¹

Seek total return consisting of capital appreciation and current income.

Dimensional VA Global Moderate Allocation Portfolio

(Institutional Shares)²

Investment Adviser: Dimensional Fund Advisors LP

0.28%^*

14.68%

8.42%

8.65%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective June 2, 2025, the Wanger Acorn Fund has changed its name to the Columbia Variable Portfolio – Acorn Fund.
^****	Effective June 2, 2025, the Wanger International Fund has changed its name to the Columbia Variable Portfolio – Acorn International Fund.
¹	This information is being provided based on the fund’s most recent prospectus filing.
²	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).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital growth.	DWS Small Cap Growth Fund (Class S)^ Investment Adviser:** DWS Investment Management Americas, Inc.	0.95%*	2.31%	0.68%	6.09%
Seeks to provide long-term capital growth.	Federated Hermes International Leaders Fund (Institutional Shares)^ Investment Adviser:** Federated Global Investment Management Corp.	0.79%*	37.31%	8.84%	8.33%
Seeks capital growth.	Fidelity Advisor^®Diversified Stock Fund^* (Class A) Investment Adviser**: Fidelity Management & Research Company LLC	0.76%	13.57%	13.62%	14.93%
Seeks capital appreciation.	Fidelity Advisor^® International Small Cap Opportunities Fund (Class A) Investment Adviser: Fidelity Management & Research Company LLC (FMR) Subadviser: FMR Investment Management (UK) Limited	1.26%	24.65%	4.66%	8.21%
Seeks capital appreciation.	Fidelity Advisor^® New Insights Fund (Class I)^ Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited	0.81%*	23.03%	15.49%	15.75%

Seeks capital growth.

Fidelity Advisor® Diversified Stock Fund (Class A)

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

0.76%

20.10%¹

14.82%¹

12.16%¹

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital appreciation.	Fidelity^® VIP Contrafund^SM 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 (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%
Seeks capital appreciation.	Franklin Biotechnology Discovery Fund (Advisor Class)^ Investment Adviser:** Franklin Advisers, Inc.	0.77%*	52.68%	6.42%	7.22%
Seeks high total return. Total return consists of both capital appreciation and current dividend and interest income.	Franklin Natural Resources Fund (Advisor Class) Investment Adviser: Franklin Advisers, Inc.	0.75%*	30.71%	19.61%	8.21%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	This Fund is only available to plans offering the Fund prior to July 8, 2014.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term growth of capital.	Goldman Sachs Mid-Cap Growth Fund (Investor Class) Investment Adviser: Goldman Sachs Asset Management, L.P.	0.90%*	7.40%	4.86%	11.73%
Seeks capital appreciation.	Invesco Developing Markets Fund (Class Y) Investment Adviser: Invesco Advisers, Inc.	1.05%	28.63%	-0.28%	6.26%
Seeks long-term growth of capital.	Invesco Energy Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.	0.90%¹	6.47%¹	11.93%¹	1.07%¹
Seeks total return, comprised of current income and capital appreciation.	Invesco Floating Rate ESG Fund (Class R5) Investment Adviser: Invesco Advisers, Inc. Subadviser: Invesco Senior Secured Management, Inc.	0.88%¹	7.86%¹	5.04%¹	4.52%¹
Seeks total return, through growth of capital and current income.	Invesco High Yield Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.	0.70%*¹	8.37%¹	3.19%¹	4.05%¹
Seeks capital appreciation.	Invesco International Small-Mid Company Fund (Class Y)^{, *} Investment Adviser: Invesco Advisers, Inc.	1.18%	17.02%	-0.56%	6.66%
Seeks capital appreciation.	Invesco Main Street Mid Cap Fund^® (Class A)^* Investment Adviser:** Invesco Advisers, Inc.	1.04%	8.92%	8.99%	9.73%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	This Fund is closed to new sales to new retirement plans after April 3, 2017.
^***	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.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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%
Seeks total return through growth and capital and current income.	Invesco Value Opportunities Fund (Class R5)^ Investment Adviser:** Invesco Advisers, Inc.	0.74%¹	30.44%¹	17.17%¹	11.26%¹
Seeks capital appreciation and current income.	JPMorgan Equity Income Fund (Class I)^ Investment Adviser:** J.P. Morgan Investment Management Inc.	0.70%	14.59%	10.65%	10.84%
Seeks long-term capital appreciation.	Lazard International Equity Portfolio (Open Shares)^* Investment Adviser:** Lazard Asset Management LLC	1.10%*	33.12%	7.95%	6.82%
Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities.	Lord Abbett Short Duration Income Fund^(Class R4) Investment Adviser:** Lord, Abbett & Co. LLC	0.63%	5.90%	2.39%	2.76%
Seeks capital appreciation.	MFS^® New Discovery Fund (Class R3) Investment Adviser: Massachusetts Financial Services Company	1.21%*	12.36%	-0.70%	10.22%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This Fund is only available to plans who have selected the Fund as an investment option prior to April 1, 2016.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide growth of capital.	Nomura Science and Technology Fund ^{, }(Class Y)* Investment Adviser: Delaware Management Company	1.17%*	33.80%	14.04%	17.59%
Seeks capital appreciation.	Nomura Small Cap Value Fund (Class A)^{, **} Investment Adviser: Delaware Management Company	1.10%	1.49%	7.58%	8.15%
Seeks to achieve both capital appreciation and current income.	Parnassus Core Equity Fund^SM (Investor Shares)^ Investment Adviser:** Parnassus Investments	0.81%	11.64%	11.41%	13.32%
Seeks total return through a combination of capital appreciation and current income.	PGIM Jennison Utility Fund (Class Z^)# Investment Adviser: PGIM Investments LLC Subadviser: Jennison Associates LLC	0.56%	11.93%	9.84%	11.12%
Seeks maximum real return, consistent with prudent investment management.	PIMCO CommodityRealReturn Strategy Fund^®(Administrative Class) Investment Adviser: Pacific Investment Management Company LLC	3.19%*	18.79%	10.55%	6.54%
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	PIMCO VIT Real Return Portfolio (Administrative Class) Investment Adviser: Pacific Investment Management Company LLC	1.39%	7.85%	1.21%	3.21%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective October 31, 2025, the Macquarie Science and Technology Fund has been renamed the Nomura Science and Technology Fund.
^****	Effective October 31, 2025, the Macquarie Small Cap Value Fund has been renamed the Nomura Small Cap Value Fund.
^#	Effective on or about June 1, 2018, Class Z shares of the PGIM Jennison Utility Fund were closed to investments by new group retirement plans. Existing plans may keep their investment in Class Z and may continue to make additional purchases or exchanges.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time.	TCW MetWest Total Return Bond Fund (Class M) Investment Adviser: TCW Metropolitan West Asset Management, LLC	0.65%	7.58%	4.64%	-0.76%
Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle.	TCW Securitized Bond Fund (Class N) Investment Adviser: TCW Investment Management Company	0.70%*	8.71%	-0.97%	1.45%
Seeks current income with capital appreciation and growth of income.	Templeton Global Bond Fund (Class A)^ Investment Adviser:** Franklin Advisers, Inc.	1.02%*	12.40%	-2.02%	-0.45%
Seeks long-term capital appreciation.	Third Avenue Real Estate Value Fund (Institutional Class)^ Investment Adviser:** Third Avenue Management LLC	1.17%*	11.62%	8.58%	5.68%
Seeks high current income without undue risk to principal.	Victory Core Plus Intermediate Bond Fund (Class A)^ Investment Adviser:** Victory Capital Management Inc.	0.88%	7.23%	0.60%	3.27%
Seeks long-term capital growth.	Victory Pioneer Global Equity Fund (Class A)^,2 Investment Adviser:** Victory Capital Management Inc.	1.10%^*	41.08%	15.40%	12.75%
Seeks to provide long-term capital growth.	Victory Integrity Small-Cap Value Fund (Class Y)^ Investment Adviser:** Victory Capital Management Inc.	1.06%	5.24%	9.87%	8.54%

A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation.

Victory Precious Metals and Minerals Fund (Class A)^***

Investment Adviser: Victory Capital Management Inc.

1.34%*

10.76%¹

3.34%¹

5.71%¹

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This Fund employs a managed volatility strategy. *See “THE INVESTMENT OPTIONS – The Variable Investment Options* - Funds with Managed Volatility Strategies” for more information.**
¹	This information is being provided based on the fund’s most recent prospectus filing.
²	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long– term capital appreciation with a secondary investment objective of income.	Virtus Duff & Phelps Global Real Estate Securities Fund (Class A) Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: Duff & Phelps Investment Management Co.	1.24%*	9.50%	3.78%	5.68%
Seeks to outperform the S&P 500^® Index.	Voya Corporate Leaders^® 100 Fund (Class I)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.49%*	17.80%	13.58%	12.96%
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 capital appreciation.	Voya Global Insights Portfolio (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.
^**	Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to the Voya Global Insights Fund.
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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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 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 GNMA Income Fund (Class A)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.54%*	7.36%	0.23%	1.14%
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 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.
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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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%
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 2030. 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 2030 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.23%*	15.35%	6.67%	8.42%
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 2035 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.22%*	17.19%	7.66%	9.26%

^*	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.**

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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 2040. 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 2040 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.24%*	18.87%	8.91%	10.15%
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 2045 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.22%*	20.07%	9.75%	10.68%
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 2050. 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 2050 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.26%*	20.58%	9.97%	10.78%

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 2055 Portfolio (Class I)^**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.26%*

20.69%

10.04%

10.81%

^*	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.**

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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 2060. 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 2060 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.25%*	20.67%	10.07%	10.89%
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 Index Solution 2065 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.25%*	20.82%	10.17%	N/A
Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. 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 2070 Portfolio (Class I)^{, *} Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.25%*	N/A	N/A	N/A
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.	Voya Index Solution Income Portfolio (Class I)^{, **} Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.21%*	11.83%	3.88%	5.45%

^*	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.**
^***	Effective August 11, 2025, the Voya Index Solution 2070 Portfolio (Class I) has been added as a new fund to the product prospectus.
^****	Effective August 8, 2025, the Voya Index Solution 2025 Portfolio (Class I) merged into the Voya Index Solution Income Portfolio (Class I).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Maximize total return through income and capital appreciation.	Voya Intermediate Bond Fund (Class I)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.36%	7.56%	0.11%	2.66%
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%

^*	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.**
¹	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
A non-diversified Portfolio 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 Portfolio 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.
^**	This Fund employs a managed volatility strategy. *See “THE INVESTMENT OPTIONS – The Variable Investment Options* - Funds with Managed Volatility Strategies” for more information.**
^***	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 has reorganized and merged into the Voya Large Cap Value Fund.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks maximum long-term capital appreciation.	Voya Multi-Manager International Small Cap Fund (Class I)^ Investment Adviser: Voya Investments, LLC Subadvisers:** Acadian Asset Management LLC and Victory Capital Management Inc.	1.20%*	39.14%	9.76%	9.28%
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^TM 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 Midcap^® Index.	Voya Russell^TM 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%
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 Russell^TM 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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg 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 I) Investment Adviser: Voya Investments, LLC Subadviser: American Century Investment Management, Inc.	0.85%*	5.33%	8.46%	9.28%
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%

^*	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 will merge into the Voya MidCap Opportunities Fund.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks total return including capital appreciation and current income.	VY^® Columbia Real Estate Portfolio (Class S)^ Investment Adviser: Voya Investments, LLC Subadviser: VY^® Columbia Management Investment Advisors, LLC^	1.00%*	0.03%	5.67%	4.80%
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 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%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	Effective January 21, 2026, the VY^® CBRE Real Estate Portfolio changed its name to the VY^® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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:** ClearBridge Investments, LLC	0.80%*	9.92%	7.24%	12.78%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

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.”

Name	Term*	Minimum Guaranteed Interest Rate^**
Guaranteed Accumulation Account	1 month to 10 years	0.25%
The Fixed Account	N/A	1.00%
The Fixed Plus Account II	N/A	1.50%

^*	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.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital appreciation.	Alger Responsible Investing Fund (Class A) ^ Investment Adviser:** Fred Alger Management, LLC	1.10%*	15.89%	11.33%	14.80%
Seeks to provide long-term capital appreciation.	AMG River Road Mid Cap Value Fund (Class N)^ Investment Adviser: AMG Funds LLC Subadviser:** River Road Asset Management, LLC	1.11%*	11.75%	13.50%	9.79%
Seeks long-term capital growth, consistent with Islamic principles.	Amana Growth Fund (Investor Shares)^ Investment Adviser:** Saturna Capital Corporation	0.86%^***	15.75% (1)	15.42%^***	14.46%^***
Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.	Amana Income Fund (Investor Shares)^ Investment Adviser:** Saturna Capital Corporation	1.01%^***	12.88%^***	10.31%^***	9.62%^***

Seeks long-term capital appreciation and current income.

American Beacon Small Cap Value Fund (Investor Shares)^**

Investment Adviser: American Beacon Advisors, Inc.

1.16%

4.43%

8.83%

8.42%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.	American Century Investments^® Inflation-Adjusted Bond Fund (Investor Class) ^ Investment Adviser:** American Century Investment Management, Inc.	0.54%	6.67%	0.84%	2.70%
Seeks to strive for the balanced accomplishment of three objectives: current income, growth of capital and conservation of principal.	American Funds^® – American Mutual Fund^®(Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.62%	16.08%	11.71%	11.28%
Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital.	American Funds^® – Capital Income Builder^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.61%	20.34%	9.06%	7.80%
Seeks to provide long-term growth of capital.	American Funds^® – EUPAC Fund^®(Class R4)^{, *} Investment Adviser: Capital Research and Management Company^SM	0.82%	28.71%	4.22%	8.08%
Seeks to achieve long-term growth of capital and income.	American Funds^® – Fundamental Investors^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.62%	24.24%	14.42%	14.04%
Seeks to provide long-term capital appreciation.	American Funds^® – New World Fund^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.92%	28.16%	5.25%	9.54%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective June 2, 2025, the American Funds^® EuroPacific Growth Fund^®(Class R4) has changed its name to the American Funds^® EUPAC Fund^® (Class R4).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide long-term growth of capital.	American Funds^® – SMALLCAP World Fund^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	1.00%	14.04%	1.42%	8.86%
Seeks to provide growth of capital.	American Funds^® – The Growth Fund of America^® (Class R4) ^ Investment Adviser:** Capital Research and Management Company^SM	0.63%	19.88%	11.76%	15.11%
Seeks long-term capital appreciation.	Ariel Fund (Investor Class) ^ Investment Adviser:** Ariel Investments, LLC	1.01%	14.15%	9.36%	9.51%
Seeks maximum long-term capital growth.	Artisan International Fund (Investor Class) ^ Investment Adviser:** Artisan Partners Limited Partnership	1.19%	36.03%	8.56%	8.26%
Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income.	Ave Maria Rising Dividend Fund^ Investment Adviser:** Schwartz Investment Counsel, Inc.	0.90%	-0.39%	8.90%	10.31%
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.	BlackRock Mid Cap Value Fund (Institutional Class)^ Investment Adviser:** BlackRock Advisors, LLC	0.75%*	13.68%	11.17%	11.04%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks capital appreciation.	ClearBridge Growth Fund (Class I)^ Investment Adviser: Legg Mason Partners Fund Advisor, LLC Subadviser:** Clearbridge Investments, LLC	0.84%	13.72%	5.10%	7.95%
The investment objective of the Fund is total return through investment in real estate securities.	Cohen & Steers Real Estate Securities Fund, Inc. (Class A)^ Investment Adviser:** Cohen & Steers Capital Management, Inc.	1.10%	4.00%	5.40%	6.36%
Seeks long-term capital appreciation.	Columbia Select Mid Cap Value Fund (Class A)^ Investment Adviser:** Columbia Management Investment Advisers, LLC	1.13%	13.62%	11.06%	10.19%
Seeks long-term capital appreciation.	Columba 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^** Investment Adviser:** Columbia Wanger Asset Management, LLC	1.08%*	12.76%	-1.00%	4.31%
Seeks long-term growth of capital.	Davis Financial Fund (Class Y)^ Investment Adviser: Davis Selected Advisers, L.P. Subadviser:** Davis Selected Advisers-NY, Inc.	0.71%¹	29.83%¹	11.26%¹	10.36%¹

Seek total return consisting of capital appreciation and current income.

Dimensional VA Global Moderate Allocation Portfolio

(Institutional Shares)²

Investment Adviser: Dimensional Fund Advisors LP

0.28%^*

14.68%

8.42%

8.65%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective June 2, 2025, the Wanger Acorn Fund has changed its name to the Columbia Variable Portfolio – Acorn Fund.
^****	Effective June 2, 2025, the Wanger International Fund has changed its name to the Columbia Variable Portfolio – Acorn International Fund.
¹	This information is being provided based on the fund’s most recent prospectus filing.
²	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).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital growth.	DWS Small Cap Growth Fund (Class S)^ Investment Adviser:** DWS Investment Management Americas, Inc.	0.95%*	2.31%	0.68%	6.09%
Seeks to provide long-term capital growth.	Federated Hermes International Leaders Fund (Institutional Shares)^ Investment Adviser:** Federated Global Investment Management Corp.	0.79%*	37.31%	8.84%	8.33%
Seeks capital growth.	Fidelity Advisor^®Diversified Stock Fund^* (Class A) Investment Adviser**: Fidelity Management & Research Company LLC	0.76%	13.57%	13.62%	14.93%
Seeks capital appreciation.	Fidelity Advisor^® International Small Cap Opportunities Fund (Class A) Investment Adviser: Fidelity Management & Research Company LLC (FMR) Subadviser: FMR Investment Management (UK) Limited	1.26%	24.65%	4.66%	8.21%
Seeks capital appreciation.	Fidelity Advisor^® New Insights Fund (Class I)^ Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited	0.81%*	23.03%	15.49%	15.75%

Seeks capital growth.

Fidelity Advisor® Diversified Stock Fund (Class A)

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

0.76%

20.10%¹

14.82%¹

12.16%¹

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term capital appreciation.	Fidelity^® VIP Contrafund^SM 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 (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%
Seeks capital appreciation.	Franklin Biotechnology Discovery Fund (Advisor Class)^ Investment Adviser:** Franklin Advisers, Inc.	0.77%*	52.68%	6.42%	7.22%
Seeks high total return. Total return consists of both capital appreciation and current dividend and interest income.	Franklin Natural Resources Fund (Advisor Class) Investment Adviser: Franklin Advisers, Inc.	0.75%*	30.71%	19.61%	8.21%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	This Fund is only available to plans offering the Fund prior to July 8, 2014.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long-term growth of capital.	Goldman Sachs Mid-Cap Growth Fund (Investor Class) Investment Adviser: Goldman Sachs Asset Management, L.P.	0.90%*	7.40%	4.86%	11.73%
Seeks capital appreciation.	Invesco Developing Markets Fund (Class Y) Investment Adviser: Invesco Advisers, Inc.	1.05%	28.63%	-0.28%	6.26%
Seeks long-term growth of capital.	Invesco Energy Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.	0.90%¹	6.47%¹	11.93%¹	1.07%¹
Seeks total return, comprised of current income and capital appreciation.	Invesco Floating Rate ESG Fund (Class R5) Investment Adviser: Invesco Advisers, Inc. Subadviser: Invesco Senior Secured Management, Inc.	0.88%¹	7.86%¹	5.04%¹	4.52%¹
Seeks total return, through growth of capital and current income.	Invesco High Yield Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.	0.70%*¹	8.37%¹	3.19%¹	4.05%¹
Seeks capital appreciation.	Invesco International Small-Mid Company Fund (Class Y)^{, *} Investment Adviser: Invesco Advisers, Inc.	1.18%	17.02%	-0.56%	6.66%
Seeks capital appreciation.	Invesco Main Street Mid Cap Fund^® (Class A)^* Investment Adviser:** Invesco Advisers, Inc.	1.04%	8.92%	8.99%	9.73%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	This Fund is closed to new sales to new retirement plans after April 3, 2017.
^***	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.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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%
Seeks total return through growth and capital and current income.	Invesco Value Opportunities Fund (Class R5)^ Investment Adviser:** Invesco Advisers, Inc.	0.74%¹	30.44%¹	17.17%¹	11.26%¹
Seeks capital appreciation and current income.	JPMorgan Equity Income Fund (Class I)^ Investment Adviser:** J.P. Morgan Investment Management Inc.	0.70%	14.59%	10.65%	10.84%
Seeks long-term capital appreciation.	Lazard International Equity Portfolio (Open Shares)^* Investment Adviser:** Lazard Asset Management LLC	1.10%*	33.12%	7.95%	6.82%
Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities.	Lord Abbett Short Duration Income Fund^(Class R4) Investment Adviser:** Lord, Abbett & Co. LLC	0.63%	5.90%	2.39%	2.76%
Seeks capital appreciation.	MFS^® New Discovery Fund (Class R3) Investment Adviser: Massachusetts Financial Services Company	1.21%*	12.36%	-0.70%	10.22%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This Fund is only available to plans who have selected the Fund as an investment option prior to April 1, 2016.
¹	This information is being provided based on the fund’s most recent prospectus filing.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks to provide growth of capital.	Nomura Science and Technology Fund ^{, }(Class Y)* Investment Adviser: Delaware Management Company	1.17%*	33.80%	14.04%	17.59%
Seeks capital appreciation.	Nomura Small Cap Value Fund (Class A)^{, **} Investment Adviser: Delaware Management Company	1.10%	1.49%	7.58%	8.15%
Seeks to achieve both capital appreciation and current income.	Parnassus Core Equity Fund^SM (Investor Shares)^ Investment Adviser:** Parnassus Investments	0.81%	11.64%	11.41%	13.32%
Seeks total return through a combination of capital appreciation and current income.	PGIM Jennison Utility Fund (Class Z^)# Investment Adviser: PGIM Investments LLC Subadviser: Jennison Associates LLC	0.56%	11.93%	9.84%	11.12%
Seeks maximum real return, consistent with prudent investment management.	PIMCO CommodityRealReturn Strategy Fund^®(Administrative Class) Investment Adviser: Pacific Investment Management Company LLC	3.19%*	18.79%	10.55%	6.54%
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	PIMCO VIT Real Return Portfolio (Administrative Class) Investment Adviser: Pacific Investment Management Company LLC	1.39%	7.85%	1.21%	3.21%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	Effective October 31, 2025, the Macquarie Science and Technology Fund has been renamed the Nomura Science and Technology Fund.
^****	Effective October 31, 2025, the Macquarie Small Cap Value Fund has been renamed the Nomura Small Cap Value Fund.
^#	Effective on or about June 1, 2018, Class Z shares of the PGIM Jennison Utility Fund were closed to investments by new group retirement plans. Existing plans may keep their investment in Class Z and may continue to make additional purchases or exchanges.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time.	TCW MetWest Total Return Bond Fund (Class M) Investment Adviser: TCW Metropolitan West Asset Management, LLC	0.65%	7.58%	4.64%	-0.76%
Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle.	TCW Securitized Bond Fund (Class N) Investment Adviser: TCW Investment Management Company	0.70%*	8.71%	-0.97%	1.45%
Seeks current income with capital appreciation and growth of income.	Templeton Global Bond Fund (Class A)^ Investment Adviser:** Franklin Advisers, Inc.	1.02%*	12.40%	-2.02%	-0.45%
Seeks long-term capital appreciation.	Third Avenue Real Estate Value Fund (Institutional Class)^ Investment Adviser:** Third Avenue Management LLC	1.17%*	11.62%	8.58%	5.68%
Seeks high current income without undue risk to principal.	Victory Core Plus Intermediate Bond Fund (Class A)^ Investment Adviser:** Victory Capital Management Inc.	0.88%	7.23%	0.60%	3.27%
Seeks long-term capital growth.	Victory Pioneer Global Equity Fund (Class A)^,2 Investment Adviser:** Victory Capital Management Inc.	1.10%^*	41.08%	15.40%	12.75%
Seeks to provide long-term capital growth.	Victory Integrity Small-Cap Value Fund (Class Y)^ Investment Adviser:** Victory Capital Management Inc.	1.06%	5.24%	9.87%	8.54%

A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation.

Victory Precious Metals and Minerals Fund (Class A)^***

Investment Adviser: Victory Capital Management Inc.

1.34%*

10.76%¹

3.34%¹

5.71%¹

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.
^***	This Fund employs a managed volatility strategy. *See “THE INVESTMENT OPTIONS – The Variable Investment Options* - Funds with Managed Volatility Strategies” for more information.**
¹	This information is being provided based on the fund’s most recent prospectus filing.
²	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks long– term capital appreciation with a secondary investment objective of income.	Virtus Duff & Phelps Global Real Estate Securities Fund (Class A) Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: Duff & Phelps Investment Management Co.	1.24%*	9.50%	3.78%	5.68%
Seeks to outperform the S&P 500^® Index.	Voya Corporate Leaders^® 100 Fund (Class I)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.49%*	17.80%	13.58%	12.96%
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 capital appreciation.	Voya Global Insights Portfolio (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.
^**	Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to the Voya Global Insights Fund.
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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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 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 GNMA Income Fund (Class A)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.54%*	7.36%	0.23%	1.14%
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 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.
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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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%
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 2030. 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 2030 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.23%*	15.35%	6.67%	8.42%
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 2035 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.22%*	17.19%	7.66%	9.26%

^*	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.**

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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 2040. 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 2040 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.24%*	18.87%	8.91%	10.15%
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 2045 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.22%*	20.07%	9.75%	10.68%
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 2050. 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 2050 Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.26%*	20.58%	9.97%	10.78%

Voya Index Solution 2055 Portfolio (Class I)^**

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

0.26%*

20.69%

10.04%

10.81%

^*	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.**

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	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 2060. 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 2060 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.25%*	20.67%	10.07%	10.89%
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 Index Solution 2065 Portfolio (Class I)^ Investment Adviser: Voya Investments, LLC Subadviser:** Voya Investment Management Co. LLC	0.25%*	20.82%	10.17%	N/A
Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. 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 2070 Portfolio (Class I)^{, *} Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.25%*	N/A	N/A	N/A
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.	Voya Index Solution Income Portfolio (Class I)^{, **} Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.21%*	11.83%	3.88%	5.45%

^*	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.**
^***	Effective August 11, 2025, the Voya Index Solution 2070 Portfolio (Class I) has been added as a new fund to the product prospectus.
^****	Effective August 8, 2025, the Voya Index Solution 2025 Portfolio (Class I) merged into the Voya Index Solution Income Portfolio (Class I).

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Maximize total return through income and capital appreciation.	Voya Intermediate Bond Fund (Class I)¹ Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.36%	7.56%	0.11%	2.66%
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%

^*	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.**
¹	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
A non-diversified Portfolio 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 Portfolio 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.
^**	This Fund employs a managed volatility strategy. *See “THE INVESTMENT OPTIONS – The Variable Investment Options* - Funds with Managed Volatility Strategies” for more information.**
^***	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 has reorganized and merged into the Voya Large Cap Value Fund.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks maximum long-term capital appreciation.	Voya Multi-Manager International Small Cap Fund (Class I)^ Investment Adviser: Voya Investments, LLC Subadvisers:** Acadian Asset Management LLC and Victory Capital Management Inc.	1.20%*	39.14%	9.76%	9.28%
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^TM 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 Midcap^® Index.	Voya Russell^TM 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%
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 Russell^TM 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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	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.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg 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 I) Investment Adviser: Voya Investments, LLC Subadviser: American Century Investment Management, Inc.	0.85%*	5.33%	8.46%	9.28%
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%

^*	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 will merge into the Voya MidCap Opportunities Fund.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
Seeks total return including capital appreciation and current income.	VY^® Columbia Real Estate Portfolio (Class S)^ Investment Adviser: Voya Investments, LLC Subadviser: VY^® Columbia Management Investment Advisors, LLC^	1.00%*	0.03%	5.67%	4.80%
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 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%
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%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	Effective January 21, 2026, the VY^® CBRE Real Estate Portfolio changed its name to the VY^® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC.

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES	1 Year	5 Years	10 Years
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:** ClearBridge Investments, LLC	0.80%*	9.92%	7.24%	12.78%

^*	Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
^**	Effective May 1, 2026, the Fund has been added to the investment options available under the contract.

Fixed Options Available Legend [Text Block]

Fixed Options Available [Table Text Block]

Name	Term*	Minimum Guaranteed Interest Rate^**
Guaranteed Accumulation Account	1 month to 10 years	0.25%
The Fixed Account	N/A	1.00%
The Fixed Plus Account II	N/A	1.50%

Item 31A. Non-Variable Annuities [Line Items]

Non-variable Annuities [Table Text Block]

Item 31A. Information about Contracts with Index-Linked Options and/or Fixed Options Subject to a Contract Adjustment

Name of
the
Contract

Number
of
Contracts
outstanding

Total value
attributable to
the Index-Linked
Option and/or
Fixed Option
subject to a
Contract
Adjustment

Number of
Contracts
sold during
the prior
calendar
year

Gross
premiums
received
during the
prior
calendar
year

Amount of
Contract
value
redeemed
during the
prior
calendar
year

Combination
Contract
(Yes/No)

Guaranteed Accumulation Account (“GAA”)

9,151 contracts

$448,638,717 as of 12/31/25

$4,745,380

$47,244,412

Yes

Non-variable Annuities [Line Items]

Non-variable Annuities, Name

Guaranteed Accumulation Account (“GAA”)

Non-variable Annuities, Number Outstanding

9,151

Non-variable Annuities, Total Value

$ 448,638,717

Non-variable Annuities, Number Sold

Non-variable Annuities, Gross Premiums

$ 4,745,380

Non-variable Annuities, Value Redeemed

$ 47,244,412

Non-variable Annuities, Combination [Flag]

true

AMG River Road Mid Cap Value Fund (Class N) [Member]

Seeks to provide long-term capital appreciation.

AMG River Road Mid Cap Value Fund (Class N)

AMG Funds LLC

River Road Asset Management, LLC

1.11%

11.75%

13.50%

Alger Responsible Investing Fund (Class A) [Member]

9.79%

Seeks long-term capital appreciation.

Alger Responsible Investing Fund (Class A)

Fred Alger Management, LLC

1.10%

15.89%

11.33%

Amana Growth Fund (Investor Shares) [Member]

14.80%

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

Amana Growth Fund (Investor Shares)

Saturna Capital Corporation

0.86%

15.75%

15.42%

Amana Income Fund (Investor Shares) [Member]

14.46%

Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.

Amana Income Fund

(Investor Shares)

Saturna Capital Corporation

1.01%

12.88%

10.31%

American Beacon Small Cap Value Fund (Investor Shares) [Member]

9.62%

Seeks long-term capital appreciation and current income.

American Beacon Small Cap Value Fund (Investor Shares)

American Beacon Advisors, Inc.

Barrow, Hanley, Mewhinney & Strauss, LLC; DePrince, Race & Zollo, Inc.; Hotchkis and Wiley Capital Management, LLC; Brandywine Global Investment Management, LLC; Newton Investment Management North America, LLC

1.16%

4.43%

8.83%

American Century Investments® Inflation-Adjusted Bond Fund (Investor Class) [Member]

8.42%

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

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

American Century Investment Management, Inc.

0.54%

6.67%

0.84%

American Funds® – American Mutual Fund® (Class R4) [Member]

2.70%

Seeks to strive for the balanced accomplishment of three objectives: current income, growth of capital and conservation of principal.

American Funds^® – American Mutual Fund^®(Class R4)

Capital Research and Management Company^SM

0.62%

16.08%

11.71%

American Funds® – Capital Income Builder® (Class R4) [Member]

11.28%

Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital.

American Funds^® – Capital Income Builder^® (Class R4)

Capital Research and Management Company^SM

0.61%

20.34%

9.06%

American Funds® – EUPAC Fund® (Class R4) [Member]

7.80%

Seeks to provide long-term growth of capital.

American Funds^® – EUPAC Fund^®(Class R4)

Capital Research and Management Company^SM

0.82%

28.71%

4.22%

American Funds® – Fundamental Investors® (Class R4) [Member]

8.08%

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

American Funds^® – Fundamental Investors^® (Class R4)

Capital Research and Management Company^SM

0.62%

24.24%

14.42%

American Funds® – New World Fund® (Class R4) [Member]

14.04%

Seeks to provide long-term capital appreciation.

American Funds^® – New World Fund^® (Class R4)

Capital Research and Management Company^SM

0.92%

28.16%

5.25%

American Funds® – SMALLCAP World Fund® (Class R4) [Member]

9.54%

Seeks to provide long-term growth of capital.

American Funds^® – SMALLCAP World Fund^® (Class R4)

Capital Research and Management Company^SM

1.00%

14.04%

1.42%

American Funds® – The Growth Fund of America® (Class R4) [Member]

8.86%

Seeks to provide growth of capital.

American Funds^® – The Growth Fund of America^® (Class R4)

Capital Research and Management Company^SM

0.63%

19.88%

11.76%

Ariel Fund (Investor Class) [Member]

15.11%

Seeks long-term capital appreciation.

Ariel Fund (Investor Class)

Ariel Investments, LLC

1.01%

14.15%

9.36%

Artisan International Fund (Investor Class) [Member]

9.51%

Seeks maximum long-term capital growth.

Artisan International Fund (Investor Class)

Artisan Partners Limited Partnership

1.19%

36.03%

8.56%

Ave Maria Rising Dividend Fund [Member]

8.26%

Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income.

Ave Maria Rising Dividend Fund

Schwartz Investment Counsel, Inc.

0.90%

(0.39%)

8.90%

BlackRock Mid Cap Value Fund (Institutional Class) [Member]

10.31%

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.

BlackRock Mid Cap Value Fund (Institutional Class)

BlackRock Advisors, LLC

0.75%

13.68%

11.17%

Calvert VP SRI Balanced Portfolio (Class I) [Member]

11.04%

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)

Calvert Research and Management

0.65%

11.48%

8.68%

ClearBridge Growth Fund (Class I) [Member]

9.81%

Seeks capital appreciation.

ClearBridge Growth Fund (Class I)

Legg Mason Partners Fund Advisor, LLC

Clearbridge Investments, LLC

0.84%

13.72%

5.10%

Cohen & Steers Real Estate Securities Fund, Inc. (Class A) [Member]

7.95%

The investment objective of the Fund is total return through investment in real estate securities.

Cohen & Steers Real Estate Securities Fund, Inc. (Class A)

Cohen & Steers Capital Management, Inc.

1.10%

4.00%

5.40%

Columba Variable Portfolio – Acorn Fund [Member]

6.36%

Seeks long-term capital appreciation.

Columba Variable Portfolio – Acorn Fund

Columbia Wanger Asset Management, LLC

0.91%

4.47%

1.02%

Columbia Select Mid Cap Value Fund (Class A) [Member]

8.66%

Seeks long-term capital appreciation.

Columbia Select Mid Cap Value Fund (Class A)

Columbia Management Investment Advisers, LLC

1.13%

13.62%

11.06%

Columbia Variable Portfolio – Acorn International [Member]

10.19%

Seeks long-term capital appreciation.

Columbia Variable Portfolio – Acorn International

Columbia Wanger Asset Management, LLC

1.08%

12.76%

(1.00%)

DWS Small Cap Growth Fund (Class S) [Member]

4.31%

Seeks long-term capital growth.

DWS Small Cap Growth Fund (Class S)

DWS Investment Management Americas, Inc.

0.95%

2.31%

0.68%

Davis Financial Fund (Class Y) [Member]

6.09%

Seeks long-term growth of capital.

Davis Financial Fund

(Class Y)

Davis Selected Advisers, L.P.

Davis Selected Advisers-NY, Inc.

0.71%

29.83%

11.26%

Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares) [Member]

10.36%

Seek total return consisting of capital appreciation and current income.

Dimensional VA Global Moderate Allocation Portfolio

(Institutional Shares)

Dimensional Fund Advisors LP

0.28%

14.68%

8.42%

Federated Hermes International Leaders Fund (Institutional Shares) [Member]

8.65%

Seeks to provide long-term capital growth.

Federated Hermes International Leaders Fund (Institutional Shares)

Federated Global Investment Management Corp.

0.79%

37.31%

8.84%

Fidelity Advisor® Diversified Stock Fund (Class A)-1 [Member]

8.33%

Seeks capital growth.

Fidelity Advisor® Diversified Stock Fund (Class A)

Fidelity Management & Research Company LLC (“FMR”)

0.76%

20.10%

14.82%

Fidelity Advisor® Diversified Stock Fund(Class A) [Member]

12.16%

Seeks capital growth.

Fidelity Advisor^®Diversified Stock Fund^*** (Class A)

Fidelity Management & Research Company LLC

0.76%

13.57%

13.62%

Fidelity Advisor® International Small Cap Opportunities Fund (Class A) [Member]

14.93%

Seeks capital appreciation.

Fidelity Advisor^® International Small Cap Opportunities Fund (Class A)

Fidelity Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited

1.26%

24.65%

4.66%

Fidelity Advisor® New Insights Fund (Class I) [Member]

8.21%

Seeks capital appreciation.

Fidelity Advisor^® New Insights Fund (Class I)

Fidelity Management & Research Company LLC (“FMR”)

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

0.81%

23.03%

15.49%

Fidelity® VIP ContrafundSM Portfolio (Initial Class) [Member]

15.75%

Seeks long-term capital appreciation.

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

Fidelity Management & Research Company LLC (“FMR”)

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

0.54%

21.52%

15.37%

Fidelity® VIP Equity-Income Portfolio (Initial Class) [Member]

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 (Initial Class)

Fidelity Management & Research Company LLC (“FMR”)

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

0.46%

19.02%

12.51%

Franklin Biotechnology Discovery Fund (Advisor Class) [Member]

11.60%

Seeks capital appreciation.

Franklin Biotechnology Discovery Fund (Advisor Class)

Franklin Advisers, Inc.

0.77%

52.68%

6.42%

Franklin Natural Resources Fund (Advisor Class) [Member]

7.22%

Seeks high total return. Total return consists of both capital appreciation and current dividend and interest income.

Franklin Natural Resources Fund (Advisor Class)

Franklin Advisers, Inc.

0.75%

30.71%

19.61%

Franklin Small Cap Value VIP Fund (Class 2) [Member]

8.21%

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)

Franklin Mutual Advisers, LLC

0.91%

7.65%

8.86%

Goldman Sachs Mid-Cap Growth Fund (Investor Class) [Member]

9.81%

Seeks long-term growth of capital.

Goldman Sachs Mid-Cap Growth Fund (Investor Class)

Goldman Sachs Asset Management, L.P.

0.90%

7.40%

4.86%

Guaranteed Accumulation Account [Member]

11.73%

Fixed Option Available, Name

Guaranteed Accumulation Account

Fixed Option Available, Term

10 years

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

0.25%

Invesco Developing Markets Fund (Class Y) [Member]

Seeks capital appreciation.

Invesco Developing Markets Fund (Class Y)

Invesco Advisers, Inc.

1.05%

28.63%

(0.28%)

Invesco Energy Fund (Class R5) [Member]

6.26%

Seeks long-term growth of capital.

Invesco Energy Fund (Class R5)

Invesco Advisers, Inc.

0.90%

6.47%

11.93%

Invesco Floating Rate ESG Fund (Class R5) [Member]

1.07%

Seeks total return, comprised of current income and capital appreciation.

Invesco Floating Rate ESG Fund (Class R5)

Invesco Advisers, Inc.

Invesco Senior Secured Management, Inc.

0.88%

7.86%

5.04%

Invesco High Yield Fund (Class R5) [Member]

4.52%

Seeks total return, through growth of capital and current income.

Invesco High Yield Fund (Class R5)

Invesco Advisers, Inc.

0.70%

8.37%

3.19%

Invesco International Small-Mid Company Fund (Class Y) [Member]

4.05%

Seeks capital appreciation.

Invesco International Small-Mid Company Fund (Class Y)

Invesco Advisers, Inc.

1.18%

17.02%

(0.56%)

Invesco Main Street Mid Cap Fund® (Class A) [Member]

6.66%

Seeks capital appreciation.

Invesco Main Street Mid Cap Fund^® (Class A)

Invesco Advisers, Inc.

1.04%

8.92%

8.99%

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

9.73%

Seeks total return.

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

Invesco Advisers, Inc.

0.84%

8.70%

8.34%

Invesco Value Opportunities Fund (Class R5) [Member]

10.59%

Seeks total return through growth and capital and current income.

Invesco Value Opportunities Fund (Class R5)

Invesco Advisers, Inc.

0.74%

30.44%

17.17%

JPMorgan Equity Income Fund (Class I) [Member]

11.26%

Seeks capital appreciation and current income.

JPMorgan Equity Income Fund (Class I)

J.P. Morgan Investment Management Inc.

0.70%

14.59%

10.65%

Lazard International Equity Portfolio (Open Shares) [Member]

10.84%

Seeks long-term capital appreciation.

Lazard International Equity Portfolio (Open Shares)

Lazard Asset Management LLC

1.10%

33.12%

7.95%

Lord Abbett Short Duration Income Fund (Class R4) [Member]

6.82%

Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities.

Lord Abbett Short Duration Income Fund^**(Class R4)

Lord, Abbett & Co. LLC

0.63%

5.90%

2.39%

MFS® New Discovery Fund (Class R3) [Member]

2.76%

Seeks capital appreciation.

MFS^® New Discovery Fund (Class R3)

Massachusetts Financial Services Company

1.21%

12.36%

(0.70%)

Nomura Science and Technology Fund (Class Y) [Member]

10.22%

Seeks to provide growth of capital.

Nomura Science and Technology Fund ^{**, ***}(Class Y)

Delaware Management Company

1.17%

33.80%

14.04%

Nomura Small Cap Value Fund (Class A) [Member]

17.59%

Seeks capital appreciation.

Nomura Small Cap Value Fund (Class A)

Delaware Management Company

1.10%

1.49%

7.58%

PGIM Jennison Utility Fund (Class Z) [Member]

8.15%

Seeks total return through a combination of capital appreciation and current income.

PGIM Jennison Utility Fund (Class Z)

PGIM Investments LLC

Jennison Associates LLC

0.56%

11.93%

9.84%

PIMCO CommodityRealReturn Strategy Fund® (Administrative Class) [Member]

11.12%

Seeks maximum real return, consistent with prudent investment management.

PIMCO CommodityRealReturn Strategy Fund^®(Administrative Class)

Pacific Investment Management Company LLC

3.19%

18.79%

10.55%

PIMCO VIT Real Return Portfolio (Administrative Class) [Member]

6.54%

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

PIMCO VIT Real Return Portfolio (Administrative Class)

Pacific Investment Management Company LLC

1.39%

7.85%

1.21%

Parnassus Core Equity FundSM (Investor Shares) [Member]

3.21%

Seeks to achieve both capital appreciation and current income.

Parnassus Core Equity Fund^SM (Investor Shares)

Parnassus Investments

0.81%

11.64%

11.41%

TCW MetWest Total Return Bond Fund (Class M) [Member]

13.32%

Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time.

TCW MetWest Total Return Bond Fund (Class M)

TCW Metropolitan West Asset Management, LLC

0.65%

7.58%

4.64%

TCW Securitized Bond Fund (Class N) [Member]

(0.76%)

Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle.

TCW Securitized Bond Fund (Class N)

TCW Investment Management Company

0.70%

8.71%

(0.97%)

Templeton Global Bond Fund (Class A) [Member]

1.45%

Seeks current income with capital appreciation and growth of income.

Templeton Global Bond Fund (Class A)

Franklin Advisers, Inc.

1.02%

12.40%

(2.02%)

The Fixed Account [Member]

(0.45%)

Fixed Option Available, Name

The Fixed Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1.00%

The Fixed Plus Account II [Member]

Fixed Option Available, Name

The Fixed Plus Account II

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1.50%

Third Avenue Real Estate Value Fund (Institutional Class) [Member]

Seeks long-term capital appreciation.

Third Avenue Real Estate Value Fund (Institutional Class)

Third Avenue Management LLC

1.17%

11.62%

8.58%

VY® American Century Small-Mid Cap Value Portfolio (Class I) [Member]

5.68%

Seeks long-term capital growth. Income is a secondary objective.

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

Voya Investments, LLC

American Century Investment Management, Inc.

0.85%

5.33%

8.46%

VY® Baron Growth Portfolio (Class S) [Member]

9.28%

Seeks capital appreciation.

VY^®Baron Growth Portfolio (Class S)

Voya Investments, LLC

BAMCO, Inc.

1.25%

(10.94%)

(0.34%)

VY® Columbia Real Estate Portfolio (Class S) [Member]

9.17%

Seeks total return including capital appreciation and current income.

VY^® Columbia Real Estate Portfolio (Class S)

Voya Investments, LLC

VY^® Columbia Management Investment Advisors, LLC

1.00%

0.03%

5.67%

VY® Invesco Equity and Income Portfolio (Class I) [Member]

4.80%

Seeks total return consisting of long-term capital appreciation and current income.

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

Voya Investments, LLC

Invesco Advisers, Inc.

0.64%

12.80%

8.82%

VY® Invesco Growth and Income Portfolio (Class S) [Member]

8.86%

Seeks long-term growth of capital and income.

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

Voya Investments, LLC

Invesco Advisers, Inc.

0.90%

15.35%

12.82%

VY® JPMorgan Emerging Markets Equity Portfolio (Class S) [Member]

10.72%

Seeks capital appreciation.

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

Voya Investments, LLC

J.P. Morgan Investment Management Inc.

1.44%

38.77%

0.04%

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

9.00%

Seeks capital growth over the long term.

VY^® JPMorgan Small Cap Core Equity Portfolio

(Class S)

Voya Investments, LLC

J.P. Morgan Investment Management Inc.

1.14%

3.65%

4.63%

VY® T. Rowe Price Capital Appreciation Portfolio (Class S) [Member]

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)

Voya Investments, LLC

T. Rowe Price Associates, Inc.

0.90%

12.02%

9.22%

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

11.04%

Seeks long– term capital appreciation.

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

Voya Investments, LLC

ClearBridge Investments, LLC

0.80%

9.92%

7.24%

Victory Core Plus Intermediate Bond Fund (Class A) [Member]

12.78%

Seeks high current income without undue risk to principal.

Victory Core Plus Intermediate Bond Fund (Class A)

Victory Capital Management Inc.

0.88%

7.23%

0.60%

Victory Integrity Small-Cap Value Fund (Class Y) [Member]

3.27%

Seeks to provide long-term capital growth.

Victory Integrity Small-Cap Value Fund (Class Y)

Victory Capital Management Inc.

1.06%

5.24%

9.87%

Victory Pioneer Global Equity Fund (Class A) [Member]

8.54%

Seeks long-term capital growth.

Victory Pioneer Global Equity Fund

(Class A)

Victory Capital Management Inc.

1.10%

41.08%

15.40%

Victory Precious Metals and Minerals Fund (Class A) [Member]

12.75%

A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation.

Victory Precious Metals and Minerals Fund (Class A)

Victory Capital Management Inc.

1.34%

10.76%

3.34%

Virtus Duff & Phelps Global Real Estate Securities Fund (Class A) [Member]

5.71%

Seeks long– term capital appreciation with a secondary investment objective of income.

Virtus Duff & Phelps Global Real Estate Securities Fund (Class A)

Virtus Investment Advisers, Inc.

Duff & Phelps Investment Management Co.

1.24%

9.50%

3.78%

Voya Corporate Leaders® 100 Fund (Class I) [Member]

5.68%

Seeks to outperform the S&P 500^® Index.

Voya Corporate Leaders^® 100 Fund (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.49%

17.80%

13.58%

Voya GNMA Income Fund (Class A) [Member]

12.96%

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 GNMA Income Fund (Class A)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.54%

7.36%

0.23%

Voya Global High Dividend Low Volatility Portfolio (Class I) [Member]

1.14%

Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.60%

19.00%

10.52%

Voya Global Insights Portfolio (Class I) [Member]

9.05%

Seeks capital appreciation.

Voya Global Insights Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.81%

24.31%

7.21%

Voya Global Perspectives® Portfolio (Class I) [Member]

10.97%

Seeks total return.

Voya Global Perspectives^® Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.85%

14.23%

3.46%

Voya Government Money Market Portfolio (Class I) [Member]

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)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.40%

4.02%

3.02%

Voya Growth and Income Portfolio (Class I) [Member]

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)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.67%

18.21%

15.46%

Voya High Yield Portfolio (Class I) [Member]

14.62%

Seeks to provide investors with a high level of current income and total return.

Voya High Yield Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.50%

8.80%

3.92%

Voya Index Solution 2030 Portfolio (Class I) [Member]

5.82%

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 2030. 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 2030 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.23%

15.35%

6.67%

Voya Index Solution 2035 Portfolio (Class I) [Member]

8.42%

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 2035 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.22%

17.19%

7.66%

Voya Index Solution 2040 Portfolio (Class I) [Member]

9.26%

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 2040. 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 2040 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.24%

18.87%

8.91%

Voya Index Solution 2045 Portfolio (Class I) [Member]

10.15%

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 2045 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.22%

20.07%

9.75%

Voya Index Solution 2050 Portfolio (Class I) [Member]

10.68%

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 2050. 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 2050 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.26%

20.58%

9.97%

Voya Index Solution 2055 Portfolio (Class I) [Member]

10.78%

Voya Index Solution 2055 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.26%

20.69%

10.04%

Voya Index Solution 2060 Portfolio (Class I) [Member]

10.81%

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 2060. 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 2060 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.25%

20.67%

10.07%

Voya Index Solution 2065 Portfolio (Class I) [Member]

10.89%

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 Index Solution 2065 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.25%

20.82%

Voya Index Solution 2070 Portfolio (Class I) [Member]

10.17%

Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. 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 2070 Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

Voya Index Solution Income Portfolio (Class I) [Member]

0.25%

Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution Income Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.21%

11.83%

3.88%

Voya Intermediate Bond Fund (Class I) [Member]

5.45%

Maximize total return through income and capital appreciation.

Voya Intermediate Bond Fund (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.36%

7.56%

0.11%

Voya Intermediate Bond Portfolio (Class I) [Member]

2.66%

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)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.55%

7.71%

0.15%

Voya International High Dividend Low Volatility Portfolio (Class I) [Member]

2.66%

Seeks maximum total return.

Voya International High Dividend Low Volatility Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co., LLC

0.76%

37.60%

11.59%

Voya International Index Portfolio (Class I) [Member]

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)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.45%

30.89%

8.50%

Voya Large Cap Growth Portfolio (Class I) [Member]

7.91%

A non-diversified Portfolio that seeks long-term capital growth.

Voya Large Cap Growth Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.

0.67%

15.33%

12.23%

Voya Large Cap Growth Portfolio (Class S) [Member]

15.19%

A non-diversified Portfolio that seeks long-term capital growth.

Voya Large Cap Growth Portfolio (Class S)

Voya Investments, LLC

Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.

0.92%

15.09%

11.96%

Voya Large Cap Value Fund (Class A) [Member]

14.90%

Seeks long-term growth of capital and current income.

Voya Large Cap Value Fund (Class A)

Voya Investments, LLC

Voya Investment Management Co. LLC

1.10%

12.66%

12.56%

Voya MidCap Opportunities Portfolio (Class I) [Member]

10.85%

Seeks long-term capital appreciation.

Voya MidCap Opportunities Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.83%

3.90%

4.55%

Voya Multi-Manager International Small Cap Fund (Class I) [Member]

10.97%

Seeks maximum long-term capital appreciation.

Voya Multi-Manager International Small Cap Fund (Class I)

Voya Investments, LLC

Acadian Asset Management LLC and Victory Capital Management Inc.

1.20%

39.14%

9.76%

Voya RussellTM Large Cap Index Portfolio (Class I) [Member]

9.28%

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^TM Large Cap Index Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.36%

18.75%

14.72%

Voya RussellTM Mid Cap Index Portfolio (Class I) [Member]

15.36%

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^TM Mid Cap Index Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.40%

10.08%

8.26%

Voya RussellTM Small Cap Index Portfolio (Class I) [Member]

10.59%

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 Russell^TM Small Cap Index Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.43%

12.51%

5.75%

Voya SmallCap Opportunities Portfolio (Class I) [Member]

9.29%

Seeks long-term capital appreciation.

Voya SmallCap Opportunities Portfolio (Class I)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.92%

14.80%

5.85%

Voya Small Company Portfolio (Class I) [Member]

9.11%

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)

Voya Investments, LLC

Voya Investment Management Co. LLC

0.87%

8.59%

6.26%

Voya U.S. Bond Index Portfolio (Class I) [Member]

8.39%

Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg U.S. Aggregate Bond Index.

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

Voya Investments, LLC

Voya Investment Management Co. LLC

0.36%

6.70%

(0.75%)

Voya U.S. Stock Index Portfolio (Class I) [Member]

1.64%

Seeks total return.

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

Voya Investments, LLC

Voya Investment Management Co. LLC

0.27%

17.53%

14.10%

Account Value Death Benefit [Member]

14.51%

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

true

This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”).

Adjusted Purchase Payment Guaranteed Death Benefit [Member]

Account Value Death Benefit

Adjusted Purchase Payment Guaranteed Death Benefit

The death benefit is the greater of (a) or (b), where:

(a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and

(b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable.

true

If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.

Asset Rebalancing Program [Member]

Adjusted Purchase Payment Guaranteed Death Benefit

Asset Rebalancing Program

Allows you to reallocate your Account Value in the investments and percentages you identify.

true

Account Values invested in certain investment options may not be available for rebalancing under this program. 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. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.

Asset Rebalancing Program

Loans [Member]

Loans

Allows you to borrow against your Account Value.

Standard Benefit Expense (of Other Amount), Current [Percent]

true

3.00%

Return of Purchase Payment Death Benefit [Member]

Loans

Return of Purchase Payment Death Benefit

Death benefit is the greater of:

• Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or

• The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your

Standard*No additional fee for this benefit.If Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.Name of BenefitPurposeIs Benefit Standard or OptionalMaximum FeeBrief Description of Restrictions/Limitations account and any outstanding loan amount.

true

Systematic Distribution Options [Member]

Return of Purchase Payment Death Benefit

Systematic Distribution Options

Allows you to receive regular payments from your account without moving into the Income Phase.

true

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.

Systematic Distribution Options

Risk of Loss [Member]

Not Short Term Investment Risk [Member]

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

See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT.”

Investment Options Risk [Member]

• 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.

You may not receive any distribution before retirement, except upon reaching age 70½ or terminating employment with Texas public institutions of higher learning.

See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT.”

See “THE INVESTMENT OPTIONS – The Variable Investment Options” and “THE INVESTMENT OPTIONS – The Fixed Interest Options”.

Market Risk [Member]

Early Withdrawal Risk [Member]

Contract Benefits Risk [Member]

Insurance Company Risk [Member]

Contract Changes Risk [Member]

See “THE CONTRACT – The General Account.”

Business Disruption and Cybersecurity Risks [Member]

Insurance Company Insolvency [Member]

Short-Term Investment [Member]

Tax Consequences [Member]

Short-Term Investment – 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 age 59½; and

All Other Contracts [Member]

Lowest Annual Cost [Dollars]

$ 261

Highest Annual Cost [Dollars]

$ 3,692

Item 4. Fee Table [Line Items]

Sales Load (of Purchase Payments), Maximum [Percent]

5.00%

^[7]

Administrative Expense, Current [Dollars]

$ 50

^[8]

Base Contract Expense (of Average Account Value), Current [Percent]

1.75%

^[8],[9]

Portfolio Company Expenses Before Waivers and Reimbursement Minimum [Percent]

0.27%

Portfolio Company Expenses Before Waivers and Reimbursement Maximum [Percent]

3.32%

Portfolio Company Expenses After Waivers and Reimbursement Minimum [Percent]

0.27%

^[10]

Portfolio Company Expenses After Waivers and Reimbursement Maximum [Percent]

1.24%

^[10]

Surrender Example [Table Text Block]

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
	$9,589	$14,898	$20,385	$32,462

Surrender Expense, 1 Year, Maximum [Dollars]

$ 9,589

Surrender Expense, 3 Years, Maximum [Dollars]

14,898

Surrender Expense, 5 Years, Maximum [Dollars]

20,385

Surrender Expense, 10 Years, Maximum [Dollars]

$ 32,462

No Surrender Example [Table Text Block]

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
	$2,954	$9,048	$15,398	$32,462

No Surrender Expense, 3 Years, Maximum [Dollars]

$ 9,048

No Surrender Expense, 5 Years, Maximum [Dollars]

15,398

No Surrender Expense, 10 Years, Maximum [Dollars]

32,462

K 12 Contracts [Member