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The following are copies of Voya's 2013 separate account annual reports; these separate accounts have been established to support the operations of Voya's family of companies. Each book contains the audited financial statements for these separate accounts, which include the statements assets and liabilities, the statements of operations, and the statements of changes in net assets.

You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options carefully before investing. The prospectuses contain this and other information, can be obtained by contacting your local representative. Please read the information carefully before investing.

Annuities issued and/or administered by Voya Retirement Insurance and Annuity Company (Windsor, CT) are distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers that maintain a selling agreement. Annuities issued and/or administered by Voya Insurance and Annuity Company (Des Moines, IA) and ReliaStar Life Insurance Company of New York (Woodbury, NY) are distributed by Directed Services LLC. Annuities issued and/or administered by Security Life of Denver Insurance Company (Denver, CO) are distributed by Voya America Equities, Inc. Within the state of New York, only Voya Retirement Insurance and Annuity Company and ReliaStar Life Insurance Company of New York are admitted and their products issued. All companies are members of the Voya family of companies.