Exhibit 10.33.2

FIRST AMENDMENT TO MODIFIED COINSURANCE AGREEMENT (SEPARATE ACCOUNT FA BUSINESS)

This FIRST AMENDMENT TO MODIFIED COINSURANCE AGREEMENT (SEPARATE ACCOUNT FA
BUSINESS) (this “Amendment”), effective as of June 1, 2018 (the “Amendment
Effective Date”), is made by and between VOYA INSURANCE AND ANNUITY COMPANY, an
insurance company organized under the laws of the State of Iowa (the “Ceding
Company”), and ATHENE ANNUITY & LIFE ASSURANCE COMPANY, a reinsurance company
organized under the laws of the State of Delaware (the “Reinsurer”).

WITNESSETH:

WHEREAS, the Ceding Company and the Reinsurer are parties to that certain
Modified Coinsurance Agreement (Separate Account FA Business), designated as
Treaty Number DEVFAMCO - 060118 and effective as of June 1, 2018 (the
“Reinsurance Agreement”);

WHEREAS, the Ceding Company and the Reinsurer desire to amend the Reinsurance
Agreement as provided herein; and

WHEREAS, pursuant to Section 17.05 of the Reinsurance Agreement, the Reinsurance
Agreement may be amended by a written instrument duly executed by the proper
officers of both parties to the Reinsurance Agreement.

NOW, THEREFORE, in consideration of the covenants and agreements contained
herein, the Ceding Company and the Reinsurer hereby agree as follows:

1.    Definitions. Capitalized terms used but not otherwise defined in this
Amendment shall have the respective meanings ascribed to such terms in the
Reinsurance Agreement.

2.    Amendment.

(a)    From and after the Amendment Effective Date, Section 1.01 of the
Reinsurance Agreement is hereby amended and restated by deleting the definition
of “Business Day” and replacing such definition with the following:

““Business Day” shall mean any day other than a Saturday, Sunday or any other
day on which banking institutions are authorized or required by Law to close in
New York, New York, Des Moines, Iowa or Hamilton, Bermuda.”

(b)    From and after the Amendment Effective Date, Section 7.01(a) of the
Reinsurance Agreement is hereby amended and restated in its entirety by deleting
such Section and replacing such Section with the following:

“(a)    Within three (3) Business Days following the end of each calendar week,
the Ceding Company shall deliver to the Reinsurer (i) a weekly accounting
report, substantially in the form set forth in Exhibit A-1, for such calendar
week (a “Weekly Accounting Report”) and (ii) a year-to-date accounting report,
substantially in the form set forth in Exhibit A-2, as of the end of such
calendar week. The parties shall from time to time amend Exhibit A-1 and Exhibit
A-2 as necessary to appropriately effectuate the terms and conditions of this
Agreement and to ensure the accounting and settlements made hereunder are
correctly computed.”

(c)    From and after the Amendment Effective Date, Section 7.01(b) of the
Reinsurance Agreement is hereby amended and restated in its entirety by deleting
such Section and replacing such Section with the following:

“(b)    Within three (3) Business Days following the end of each calendar month
(each such calendar month, a “Monthly Accounting Period”), the Ceding Company
shall deliver to the Reinsurer an initial monthly accounting report,
substantially in the form set forth in Exhibit B-1, setting forth a preliminary
report of the policyholder cash flows with respect to such calendar month.
Within five (5) Business Days following the end of each Monthly Accounting
Period, the Ceding Company shall deliver to the Reinsurer a full monthly
accounting report, substantially in the form set forth in Exhibit B-2, which
shall set forth (i) a final report of the policyholder cash flows with respect
to such calendar month and (ii) certain additional information with respect to
such calendar month. Any such monthly accounting report shall be a “Monthly
Accounting Report.” The parties shall from time to time amend Exhibit B-1 and
Exhibit B-2 as necessary to appropriately effectuate the terms and conditions of
this Agreement and to ensure the accounting and settlements made hereunder are
correctly computed.”

(d)    From and after the Amendment Effective Date, Section 7.01(f) of the
Reinsurance Agreement is hereby amended and restated in its entirety by deleting
such Section and replacing such Section with the following:

“(f)    The Ceding Company shall deliver to the Reinsurer, as of the end of such
Monthly Accounting Period or the Recapture Effective Date, as applicable, (i)
within five (5) Business Days following the receipt of structured credit assets
and cash flows provided by the Investment Manager, or book value

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Execution Version

calculations provided by the Reinsurer, following the end of each Monthly
Accounting Period, a report of the assets held in the Modco Account and an
investment accounting report which shall include holdings, book value roll
forward and income reports, in each case, on a CUSIP level and (ii) within five
(5) Business Days following the end of each Monthly Accounting Period, a report
of the Existing Hedges and the effectiveness thereof in a form mutually agreed
upon by the Ceding Company and the Reinsurer.”

(e)    From and after the Amendment Effective Date, Exhibit A to the Reinsurance
Agreement is hereby amended and restated in its entirety by deleting such
Exhibit and replacing such Exhibit with the Exhibits attached hereto as Exhibit
A-1 and Exhibit A-2.

(f)    From and after the Amendment Effective Date, Exhibit B to the Reinsurance
Agreement is hereby amended and restated in its entirety by deleting such
Exhibit and replacing such Exhibit with the Exhibits attached hereto as Exhibit
B-1 and Exhibit B-2.

(g)    From and after the Amendment Effective Date, Exhibit C to the Reinsurance
Agreement is hereby amended and restated in its entirety by deleting such
Exhibit and replacing such Exhibit with the Exhibit attached hereto as Exhibit
C.

(h)    From and after the Amendment Effective Date, Schedule II to the
Reinsurance Agreement is hereby amended and restated in its entirety by deleting
such Schedule and replacing such Schedule with Schedule II attached hereto as
Exhibit E.

(i)    From and after the Amendment Effective Date, Schedule III to the
Reinsurance Agreement is hereby amended and restated in its entirety by deleting
such Schedule and replacing such Schedule with Schedule III attached hereto as
Exhibit F.

3.     Miscellaneous.

(a)    Full Force and Effect. Except as expressly modified by this Amendment,
all of the terms, covenants, agreements, conditions and other provisions of the
Reinsurance Agreement shall remain in full force and effect in accordance with
their respective terms and are hereby ratified or confirmed. This Amendment
shall not constitute an amendment or waiver of any provision of the Reinsurance
Agreement except as expressly set forth herein. Upon the execution and delivery
hereof, the Reinsurance Agreement shall thereupon be deemed to be amended and
supplemented as hereinabove set forth as fully and with the same effect as if
the amendments and supplements made hereby were originally set forth in the
Reinsurance Agreement, and this Amendment and the Reinsurance Agreement shall
henceforth be read, taken and construed as one and the same instrument, but such
amendments and supplements shall not operate so as to render invalid or improper
any action heretofore taken under the Reinsurance Agreement. As used in the
Reinsurance Agreement, the terms “this Agreement,” “herein,” “hereinafter,”
“hereto,” and words of similar import shall mean and refer to, from and after
the Amendment Effective Date, unless the context requires otherwise, the
Reinsurance Agreement as amended by this Amendment.

(b)    Counterparts. This Amendment may be executed in any number of
counterparts, all of which taken together shall constitute one agreement, and
any of the parties hereto may execute this Amendment by signing any such
counterpart. Delivery of an electronic copy of an executed counterpart of a
signature page to this Amendment by email or facsimile shall be as effective as
delivery of a manually executed counterpart of this Amendment.

[Remainder of Page Intentionally Left Blank]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
effective as of the Amendment Effective Date.

VOYA INSURANCE AND ANNUITY COMPANY
By: /s/ Timothy W. Brown_____________________                            

Title: EVP and CLO__________________________                

Date: 01/30/2019_____________________________                
                

ATHENE ANNUITY & LIFE ASSURANCE COMPANY
By: /s/ Erin Kuhl____________________________                            

Title: Vice President and Treasurer______________                            

Date: 01/29/19______________________________

Signature Page to First Amendment to VIAC-AADE Modified Coinsurance Agreement
(Separate Account FA Business)

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EXHIBIT A-1

Form of Weekly Accounting Report

Omitted pursuant to Regulation S-K Item 601(a)(5).

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EXHIBIT A-2

Form of Year-To-Date Weekly Accounting Report

Omitted pursuant to Regulation S-K Item 601(a)(5).

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EXHIBIT B-1

Form of Initial Monthly Accounting Report

Omitted pursuant to Regulation S-K Item 601(a)(5).

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EXHIBIT B-2

Form of Full Monthly Accounting Report

Omitted pursuant to Regulation S-K Item 601(a)(5).

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EXHIBIT C

Form of Quarterly Accounting Report

Omitted pursuant to Regulation S-K Item 601(a)(5).

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EXHIBIT D
SCHEDULE II
POLICY EXPENSES
The Policy Expenses with respect to each Quarterly Accounting Period shall be an
amount equal to (A) plus (B) plus (C), each as defined below:
(A) solely with respect to the Payout Annuities, an amount equal to (i) eighteen
(18) basis points divided by four (4) multiplied by (ii) (a) the sum of the
Modco Reserves with respect to the Payout Annuities at the beginning of the
applicable Quarterly Accounting Period plus the Modco Reserves with respect to
the Payout Annuities at the end of the applicable Quarterly Accounting Period,
divided by (b) two (2); and
(B) with respect to the Non-Payout Annuities, an amount equal to the sum of:
(i) (a) the Quota Share of $50 (provided, that a two percent (2.00%) per annum
inflation factor will be added to such amount each year commencing on January 1,
2019) divided by four (4), multiplied by (b) (I) the sum of the total number of
Non-Payout Annuities in force at the beginning of the applicable Quarterly
Accounting Period plus the total number of Non-Payout Annuities in force at the
end of the applicable Quarterly Accounting Period, divided by (II) two (2), plus
(ii) (a) three (3) basis points divided by four (4) multiplied by (b) (I) the
sum of the Modco Reserves with respect to the Non-Payout Annuities at the
beginning of the applicable Quarterly Accounting Period plus the Modco Reserves
with respect to the Non-Payout Annuities at the end of the applicable Quarterly
Accounting Period, divided by (II) two (2); and
(C) with respect to all Reinsured Policies, an amount with respect to investment
accounting services equal to:
(i) from the Effective Date through February 28, 2019, (a) 4.5 basis points
divided by four (4) multiplied by (b) (I) the sum of the Modco Reserves at the
beginning of the applicable Quarterly Accounting Period plus the Modco Reserves
at the end of the applicable Quarterly Accounting Period, divided by (II) two
(2); and
(ii) after February 28, 2019, (a) 0.6 basis points divided by four (4)
multiplied by (b) (I) the sum of the Modco Reserves at the beginning of the
applicable Quarterly Accounting Period plus the Modco Reserves at the end of the
applicable Quarterly Accounting Period, divided by (II) two (2).

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EXHIBIT E

Schedule III

Schedule of Initial Premium Assets omitted pursuant to Regulation S-K Item
601(a)(5).