# EDGAR Filing Document

**Accession Number:** 0000103007
**File Stem:** 0001133228-26-005750
**Filing Date:** 2026-4
**Character Count:** 91555
**Document Hash:** afed71956aa18fae6852b32ea03d54c7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-005750.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0001133228-26-005750

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**EFFECTIVENESS DATE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE ANNUITY ACCOUNT C OF VOYA RETIREMENT INSURANCE & ANNUITY Co
- **CENTRAL INDEX KEY:** 0000103007

**ORGANIZATION NAME:**
- **EIN:** 710294708
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-105479
- **FILM NUMBER:** 26874285

**BUSINESS ADDRESS:**
- **STREET 1:** ONE ORANGE WAY
- **CITY:** WINDSOR
- **STATE:** CT
- **ZIP:** 06095-4774
- **BUSINESS PHONE:** 860-580-4646

**MAIL ADDRESS:**
- **STREET 1:** ONE ORANGE WAY
- **CITY:** WINDSOR
- **STATE:** CT
- **ZIP:** 06095-4774

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE ANNUITY ACCT C OF VOYA RETIREMENT INSURANCE & ANNUITY Co
- **DATE OF NAME CHANGE:** 20140902

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE ANNUITY ACCT C OF ING LIFE INSURANCE & ANNUITY CO
- **DATE OF NAME CHANGE:** 20020319

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE ANNUITY ACCT C OF AETNA LIFE INSURANCE & ANNUITY CO
- **DATE OF NAME CHANGE:** 19940525

## Series and Classes Contracts Data

### VARIABLE ANNUITY ACCT C OF VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY (Series ID: S000001089)

| Class ID   | Class Name      | Ticker Symbol   |
|:---|:---|:---|
| C000002962 | AFT Choice Plus |  |

**VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY**

**AFT CHOICE PLUS**

**GROUP DEFERRED FIXED AND VARIABLE ANNUITY CONTRACTS**

**(THE "CONTRACT" OR "CONTRACTS")**

issued to

**Eligible Organizations under Tax Code Sections 401(a), 403(b) and 457,<br> including Roth 403(b) and Roth 457(b) Plans**

**SUMMARY PROSPECTUS FOR NEW INVESTORS**

**May 1, 2026**

____________________________________________________________________________

This summary Prospectus summarizes key features of the Contract.

 

Before you participate in the Contract through your retirement plan, you should also review the full prospectus for the Contract (the "full Contract prospectus"). It contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the contract online at <u>https://vpx.broadridge.com/getcontract1.asp?doctype=pros&dtype=isp&cid=voyavpx&fid=92912K240</u>. You can also obtain this information at no cost by calling 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

____________________________________________________________________________

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

**without paying fees or penalties.**

**In some states, this cancellation period may be longer. Upon cancellation, you will receive a full refund of the amount you paid with your application, plus any earnings or less any losses attributable to amounts invested in the Variable Investment Options. You should review this summary Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.**

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at *Investor.gov.*

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

ISP.105479-26

**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| **[SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS](#a_001)** | **3** |
| **[OVERVIEW OF THE CONTRACT](#a_002)** | **5** |
| &nbsp;&nbsp;&nbsp;[Purpose](#a_003) | 5 |
| &nbsp;&nbsp;&nbsp;[Phases of Contract](#a_004) | 5 |
| &nbsp;&nbsp;&nbsp;[The Variable Investment Options](#a_005) | 5 |
| &nbsp;&nbsp;&nbsp;[The Fixed Interest Options](#a_006) | 6 |
| &nbsp;&nbsp;&nbsp;[Contract Features](#a_007) | 6 |
| &nbsp;&nbsp;&nbsp;[Benefits Available Under the Contract](#a_008) | 7 |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#a_009)** | **9** |
| **[See "THE INVESTMENT OPTIONS – *The Variable Investment Options*" and "THE INVESTMENT OPTIONS – The Fixed Interest Options" in the full Contract Prospectus and "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT" to this summary prospectus.](#a_011)** | **10** |
| **[BUYING THE CONTRACT](#a_012)** | **12** |
| &nbsp;&nbsp;&nbsp;[Purchasing the Contract](#a_013) | 12 |
| &nbsp;&nbsp;&nbsp;[Participating in the Contract](#a_014) | 13 |
| &nbsp;&nbsp;&nbsp;[Acceptance or Rejection](#a_015) | 13 |
| &nbsp;&nbsp;&nbsp;[Methods of Purchase Payment](#a_016) | 13 |
| &nbsp;&nbsp;&nbsp;[Allocation of Purchase Payments](#a_017) | 13 |
| &nbsp;&nbsp;&nbsp;*[Tax Code Restrictions](#a_018)* | 13 |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#a_019)** | **13** |
| &nbsp;&nbsp;&nbsp;[Withdrawals](#a_020) | 13 |
| &nbsp;&nbsp;&nbsp;[Waivers of Early Withdrawal Charge and Fixed Plus Account/Fixed Plus Account II or Fixed Plus Account IIA Full and Partial Withdrawal Provisions](#a_021) | 15 |
| &nbsp;&nbsp;&nbsp;[Transfer Credits](#a_022) | 15 |
| &nbsp;&nbsp;&nbsp;[Employer Directed Withdrawals](#a_023) | 16 |
| &nbsp;&nbsp;&nbsp;[Systematic Distribution Options](#a_024) | 16 |
| &nbsp;&nbsp;&nbsp;[Loans](#a_025) | 17 |
| **[ADDITIONAL INFORMATION ABOUT FEES](#a_026)** | **18** |
| &nbsp;&nbsp;&nbsp;[Transaction Expenses](#a_027) | 18 |
| &nbsp;&nbsp;&nbsp;[Annual Contract Expenses](#a_028) | 18 |
| &nbsp;&nbsp;&nbsp;[Annual Fund Expenses](#a_032) | 19 |
| &nbsp;&nbsp;&nbsp;[Examples](#a_029) | 19 |
| **[APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#a_030)** | **20** |
| **[HOW TO GET MORE INFORMATION](#a_031)** | **34** |

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**SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS**

 

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

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

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

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

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

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

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

**Contract Holder**: The person to whom we issue the Contract. Generally, the Plan Sponsor or a trust.

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

**Fixed Interest Options**: The Fixed Plus Account/Fixed Plus Account II and the Fixed Plus Account II A are Fixed Interest Options that may be available during the Accumulation Phase under some Contracts. Amounts allocated to the Fixed Interest Options are held in the Company's General Account which supports insurance and annuity obligations.

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

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

**Good Order**: Generally, a request is considered to be in "Good Order" when it is signed, dated and made with such clarity and completeness that we are not required to exercise any discretion in carrying it out. We can only act upon written requests that are received in Good Order.

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

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

**Loan Interest Rate Spread**: The difference between the rate charged and the rate credited on loans under your Contract.

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

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**Purchase Payment**: Collectively, the initial purchase payment and any additional purchase payment.

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

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

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

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

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

**Vested**: The amount of money in a participant's individual account attributable to participant contributions. In an employer-sponsored retirement plan (i.e., a 403(b) plan), the Vested amount may include employer matching contributions.

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**OVERVIEW OF THE CONTRACT**

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

 

**Purpose**

The contracts described in this Prospectus are group deferred fixed and variable annuity contracts. The Contracts may be single Purchase Payment contracts or installment Purchase Payment contracts. It is intended to be used as a funding vehicle for certain types of retirement plans, including those that qualify for beneficial tax treatment and/or to provide current income reduction under Tax Code Sections 401(a), 403(b), including Roth 403(b), if available and 414(h).

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

**Phases of Contract**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• Variable Investment Options; and/or

&nbsp;&nbsp;&nbsp;&nbsp;• Fixed Interest Options.

**Income Phase:** During the Income Phase, you receive payments from your accumulated Account Value.

However, during the Income Phase you will be unable to make withdrawals, and any death benefits and living benefits will terminate. At least 30 days prior to the date you want to start receiving payments, the Contract Holder, or you if permitted by the Plan must notify us in writing of the following:

&nbsp;&nbsp;&nbsp;&nbsp;• Start date;

&nbsp;&nbsp;&nbsp;&nbsp;• Income Phase payment option;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Choice of fixed or variable Income Phase payments;

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

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

**Withdrawals will not be allowed during the Income Phase. See "THE INCOME PHASE" in the full Contract prospectus.**

**The Variable Investment Options**

The Variable Investment Options are Subaccounts within the Separate Account. Each Subaccount invests its assets directly in shares of a corresponding underlying Fund, and each Fund has its own distinct investment objectives, fees and expenses and investment advisers. Earnings on amounts invested in a Subaccount will vary depending upon the performance and fees of the corresponding underlying Fund. You do not invest directly in or hold shares of the Funds. **Additional information about each underlying fund is set forth in an appendix to this summary Prospectus. See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."**

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

**The Fixed Interest Options**

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

&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Plus Account/Fixed Plus Account II; and

&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Plus Account II A

**Contract Features**

**Death Benefit**. A Beneficiary may receive a death benefit in the event of your death during both the Accumulation and Income Phases (described above).. The availability of a death benefit during the Income Phase depends upon the Income Phase annuity payment option selected. **See the "*Benefits Available Under the Contract*" below.**

**Asset Rebalancing Program.** Our asset rebalancing program may be available in connection with certain Contracts. Asset rebalancing allows you to reallocate your Account Value in the investments and percentages you identify. There is no additional charge for this program. **See 'THE CONTRACT** **- *Contract Purchase and Limitations* - The Asset Rebalancing Program" in the full Contract prospectus.**

**Loans.** If allowed by the Contract and the plan and subject to the terms and conditions imposed by the plan and the plan's loan agreement, you may initiate a loan during the Accumulation Phase from your Account Value allocated to certain Subaccounts and Fixed Interest Options. There are charges associated with loans. Loans are subject to requirements under the Tax Code and related loan regulations, as well as ERISA (if applicable). Further restrictions may apply due to our administrative practices, or those administrative practices of a third-party administrator selected by your Plan Sponsor.

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

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

**Withdrawals**. During the Accumulation Phase, you may, under some plans, withdraw all or part of your Account Value. Amounts withdrawn may be subject to an early withdrawal charge, other deductions, tax withholding and taxation.

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**Benefits Available Under the Contract**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit Standard or Optional** | **Maximum Fee** | **Brief Description of Restrictions/Limitations** |
| **Guaranteed Death Benefit** | Pays a death benefit equal to the Account Value. | Standard | No additional fee for this death benefit. | The Contract provides a guaranteed death benefit if the Contract Beneficiary elects a lump-sum distribution or an Income Phase Payment option within six months of your death. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.<br>Any advisory fees deducted reduce Account Value and thus reduce the amount of this death benefit. |
| **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. |

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|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit Standard or Optional** | **Maximum Fee** | **Brief Description of Restrictions/Limitations** |
| **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. |
| **Loans** | Allows you to borrow against your Account Value. | Standard | Loan Interest Rate Spread: 3.00%; or<br> Loan Initiation Fee: $125 per loan; and<br> 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. |
| **Deduction of Advisory Fees from Participant Account** | Contract permits adviser retained by participant to have its fees deducted from participant account. | Standard | No additional fee for this benefit. | Advisory fees deducted reduce the amount of death benefit and may be treated as a withdrawal upon proper authorization – see discussion of each death benefit in this table above.<br>Withdrawal of advisory fees from a participant's account may be subject to federal and state income taxes and a 10% federal penalty tax. |

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**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

**FEES AND EXPENSES**

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|:---|:---|
| **Are There Charges or Adjustments for Early Withdrawals?** | If the Investor withdraws money from the Contract within ten (10) years following a specified date, the Investor can be assessed an early withdrawal charge equal to a maximum of 5% of the amount withdrawn. The specified date referenced in the preceding sentence can vary depending on the terms of the Contract and will be either: (1) the date the individual account was established; (2) the date the Contract was established; or (3) the number of completed Purchase Payment Periods.<br>For example, if you make an early withdrawal from your Contract, you could pay a surrender charge of up to $5,000 on a $100,000 investment.<br>**See "FEE TABLE** **- *Transaction Expenses"* and "CHARGES AND FEES - *Transaction Fees -* Early Withdrawal Charge" in the full Contract prospectus.** |
| **Are There Transaction Charges?** | **Yes.** In addition to the early withdrawal charge, the Investor may also be charged for other transactions. If you take a loan from your Account Value, you may be subject to a Loan Initiation Fee of $125 per loan.<br>• Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate; and<br>**See "FEE TABLES** **- *Transaction Expenses"* and "CHARGES AND FEES" in the full Contract prospectus.** |

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|:---|:---|:---|:---|
| **Are There Ongoing Fees and Expenses?** | The table below describes the fees and expenses that you may pay *each year*, depending on the Variable Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract), or an Annual Loan administration fee is charged until the loan is repaid. | The table below describes the fees and expenses that you may pay *each year*, depending on the Variable Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract), or an Annual Loan administration fee is charged until the loan is repaid. | The table below describes the fees and expenses that you may pay *each year*, depending on the Variable Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract), or an Annual Loan administration fee is charged until the loan is repaid. |
| **Are There Ongoing Fees and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** |
| **Are There Ongoing Fees and Expenses?** | **Base Contract Expenses** | 1.25%<sup>1,2</sup> | 1.25%<sup>1,2</sup> |
| **Are There Ongoing Fees and Expenses?** | **Portfolio Company fees and expenses** | 0.04%<sup>3</sup> | 1.30%<sup>3</sup> |

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<sup>1</sup> As a percentage of average Account Value.

<sup>2</sup> The base contract expenses include the mortality and expense risk charge, which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. We currently do not impose an administrative expense charge; however, we reserve the right to charge not more than 0.25% on an annual basis from the subaccounts. The administrative expense charge may be reduced or eliminated in certain circumstances. The minimum amount reflects these reductions or eliminations, while the maximum amount does not. **See "CHARGES AND FEES** **- *Periodic Fees and Charges* - Mortality and Expense Risk Charge" in the full Contract prospectus.**

<sup>3</sup> As a percentage of Account Value allocated to the Subaccount investing in the Portfolio Company. These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2025, and will vary from year to year.

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**FEES AND EXPENSES**<br> ***(continued from previous page)***<br>

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|:---|:---|:---|
| **Are There Ongoing Fees and Expenses?** | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**. |
| **Are There Ongoing Fees and Expenses?** | **Lowest Annual Cost Estimate:**<br> **$39** | **Highest Annual Cost Estimate:<br> $2,206** |
| **Are There Ongoing Fees and Expenses?** | Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No optional benefits;<br> • No loans;<br> • Fees and expenses of least expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers, or withdrawals. | Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No loans;<br> • Fees and expenses of most expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers, or withdrawals. |

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&nbsp;&nbsp; <br> **See the "ADDITIONAL INFORMATION ABOUT FEES** **- *Periodic Fees and Expenses"* sections of this summary Prospectus and "CHARGES AND FEES - *Periodic Fees and Charges*" in the full Contract prospectus.**<br>

**RISKS**

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|:---|:---|
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** An Investor can lose money by investing in the Contract. Contact Customer Service at 1-800-584-6001 for questions regarding the Contract.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.** |
| **Is This a Short-Term Investment?** | **No.** This Contract is not designed for short-term investing and is not appropriate for an Investor who needs ready access to cash. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½.<br> **See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.** |
| **What Are the Risks Associated with the Investment Options?**<br>| An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision.<br>**See "THE INVESTMENT OPTIONS - *The Variable Investment Options*" and "THE INVESTMENT OPTIONS – The Fixed Interest Options." in the full Contract prospectus and "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT" to this summary Prospectus.** |

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**RISKS**<br> ***(continued from previous page)***<br>

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|:---|:---|
| **What Are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims-paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-800-584-6001.<br>**See "THE CONTRACT** **- *The General Account*" in the full Contract prospectus.** |

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**RESTRICTIONS**

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|:---|:---|
| **Are There Restrictions on the Investment Options?** | **Yes.**<br> • Your plan may limit the number of options you may select at any one time. Please refer to your plan documents for more information; Some Subaccounts and Fixed Interest Options may not be available through, your plan. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you;<br> • Not all Fixed Interest Options may be available for current or future investment;<br> • There are certain restrictions on transfers from the Fixed Interest Options;<br> • The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and<br> • The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated.<br>**See "THE INVESTMENT OPTIONS** **- *Selecting Investment Options* and *Right to Change the Separate Account*" and "THE CONTRACT - *Limits on Frequent or Disruptive Transfers*" in the full Contract prospectus.** |
| **Are There any Restrictions on Contract Benefits?** | **Yes.**<br> • We may discontinue or restrict the availability of an optional benefit;<br> • Benefits available to you may vary based on your plan. Please refer to your plan documents for benefits available to you; and<br> • Withdrawals may reduce the amount of a death benefit based on premium by more than the amount withdrawn.<br>**See the "*Benefits Available Under the Contract*** **- Other Optional Benefits" and "MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT" sections of this summary Prospectus.** |

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**TAXES**

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|:---|:---|
| &nbsp;&nbsp;**What are the Contract's Tax Implications?** | &nbsp;&nbsp; • You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract;<br> • There is no additional tax benefit to the Investor if the Contract is purchased through a tax-qualified plan or individual retirement account ("IRA"); and<br> • Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.<br>**See "FEDERAL TAX CONSIDERATIONS" in the full Contract prospectus.** |

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**CONFLICTS OF INTEREST**

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| | |
|:---|:---|
| **How are Investment Professionals Compenstated?** | • We pay compensation to broker/dealers whose registered representatives sell the Contract.<br> • Compensation may be paid in the form of commissions or other compensation, depending upon the agreement between the broker/dealers and the registered representative.<br> • Because of this sales-based compensation, an investment professional may have a financial incentive to offer or recommend the Contract over another investment.<br>**See "OTHER TOPICS** **- *Contract Distribution*" in the full Contract prospectus.** |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should exchange your contract only if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new contract rather than continue to own the existing contract.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.** |

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**BUYING THE CONTRACT**

**Purchasing the Contract**

To purchase the Contract:

&nbsp;&nbsp;&nbsp;&nbsp;• The Contract Holder submits the required forms and application to the Company; and

&nbsp;&nbsp;&nbsp;&nbsp;• We approve the forms and issue a Contract to the Contract Holder.

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**Participating in the Contract**

To participate in the Contract:

&nbsp;&nbsp;&nbsp;&nbsp;• We provide you with enrollment materials for completion and return to us, which may be completed electronically
where available (occasionally enrollment is conducted by someone unaffiliated with us who is assisting the Contract Holder); and

&nbsp;&nbsp;&nbsp;&nbsp;• If your enrollment materials are complete and in Good Order, we establish one or more accounts for you.
Under certain plans we establish an employee account for contributions from your salary and an employer account for employer contributions.
We may also establish Roth 403(b) and Roth 457(b) accounts.

**Acceptance or Rejection**

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

**Methods of Purchase Payment**

The Contract may allow one or more of the following Purchase Payment methods:

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

&nbsp;&nbsp;&nbsp;&nbsp;• Installment payments: More than one payment made over time to your account.

The plan and the Contract may have certain rules or restrictions that apply to the use of these two methods. For example, we may require that installment payments meet certain minimums. For information about these rules or restrictions, please refer to your certificate/enrollment materials or the Contract (held by the Contract Holder).

**Allocation of Purchase Payments**

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

**Tax Code Restrictions**

 ****

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

**MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT**

**Withdrawals**

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Subject to limitations on withdrawals from the Fixed Interest Option and other restrictions (see "**W** **ithdrawal Restrictions**" in this section), the Contract Holder, or you if permitted by the plan, may withdraw all or a portion of your Account Value at any time during the Accumulation Phase.

**Steps for Making a Withdrawal**

The Contract Holder, or you if permitted by the plan, must:

&nbsp;&nbsp;&nbsp;&nbsp;• Select the Withdrawal Amount:

&nbsp;&nbsp;&nbsp;&nbsp;• Full Withdrawal: You will receive, reduced by any required tax, your Account Value
allocated to the Subaccounts, minus any applicable early withdrawal charge or redemption fees, plus the amount available for withdrawal
from the Fixed Plus Account/Fixed Plus Account II and/or the Fixed Plus Account II A; or

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

&nbsp;&nbsp;&nbsp;&nbsp;• Select Investment Options. Subject to any applicable withdrawal order requirements
for contracts that have Fixed Plus Account II A as an investment option, we will withdraw dollars in the same proportion as the values
you hold in the various investment options from each investment option in which you have an Account Value unless otherwise specified by
you; and

&nbsp;&nbsp;&nbsp;&nbsp;• Properly complete a disbursement form and submit it to Customer Service.

For amounts you withdraw from Account Value allocated to the Subaccounts, we will redeem the number of Accumulation Units needed to fund the withdrawal and reduce your Account Value accordingly. For amounts you withdraw from a Fixed Interest Option, we will reduce the value of the Fixed Interest Option by the dollar amount of that portion of the withdrawal and will reduce your Account Value accordingly. A reduction to your Account Value due to a withdrawal results in a lesser amount available to be annuitized and a lesser death benefit (if your death benefit amount is based on your Account Value). **For a description of limitations on withdrawals from the Fixed Plus Account/Fixed Plus Account II and Fixed Plus Account II A, please see THE INVESTMENT OPTIONS - *The Fixed Interest Options* in the full Contract prospectus.**

**Calculation of Your Withdrawal**

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

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

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

**Delivery of Payment**

Payments for withdrawal requests will be made in accordance with SEC requirements. Normally, we will send your payment no later than seven calendar days following our receipt of your disbursement form in Good Order. No interest will accrue on amounts represented by uncashed withdrawal checks.

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**Withdrawal Restrictions**

Many plans may have limits on withdrawals that may be made from the plan. Some examples of these limits are listed below:

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

&nbsp;&nbsp;&nbsp;&nbsp;• Salary reduction contributions made after December
31, 1988;

&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on those contributions; and

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

&nbsp;&nbsp;&nbsp;&nbsp;• 403(b) regulations impose restrictions on the distribution of 403(b) employer contributions under certain
Contracts. **See "FEDERAL Tax Considerations – Distributions – Eligibility – 403(b) and Roth 403(b) Plans" in the full Contract Prospectus**.

The Tax Code and/or your plan may impose other limitations on withdrawals. **See "FEDERAL Tax Considerations – Distributions – Eligibility" in the full Contract prospectus.**

**Waivers of Early Withdrawal Charge and Fixed Plus Account/Fixed Plus Account II or Fixed Plus Account IIA Full and Partial Withdrawal Provisions**

Although the Tax Code permits distributions upon a participant's severance from employment, the Contracts do not provide for a waiver of early withdrawal charges or the Fixed Plus Account/Fixed Plus Account II or Fixed Plus Account II A full or partial withdrawal provisions unless the severance from employment would otherwise have qualified as a separation from service under prior Internal Revenue Service "same desk" guidance (prior to enactment of the Economic Growth and Tax Relief Reconciliation Act of 2001). Generally, a severance from employment due to a merger, liquidation, consolidation, or other employer transaction does not qualify as a separation from service.

**Transfer Credits**

The Company provides a transfer credit in some cases on transferred assets, as defined by the Company, subject to certain conditions and state approvals. This benefit is provided on a nondiscriminatory basis. If a transfer credit is due under the Contract, you will be provided with additional information specific to the Contract.

Election of a transfer credit may impact the mortality and expense risk charge and the credited interest rate under certain Fixed Interest options. **See "THE CONTRACT** **- *Contract Provisions and Limitations* - Transfer Credits" in the full Contract prospectus.**

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**Employer Directed Withdrawals**

If permitted by the plan, we may, at the Contract Holder's direction, deduct amounts from participant accounts in order to pay costs associated with a third-party administrator engaged by the plan sponsor to administer the plan.

**Systematic Distribution Options**

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

**Systematic Distribution Options Currently Available**

These options may be exercised at any time during the Accumulation Phase of the Contract. To exercise one of these options, the Account Value must meet any minimum dollar amount and age criteria applicable to that option. No early withdrawal charge applies to amounts paid out under systematic distribution options. To determine what systematic distribution options are available, please write or call Customer Service. The Company reserves the right to discontinue the availability of one or all of the systematic distribution options at any time, and/or change the terms for future elections.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Estate Conservation Option ("ECO")/Recurring RMD Payment ("RRP")** - This
option also allows you to maintain the account in the Accumulation Phase and provides periodic payments designed to meet the Tax Code's
required minimum distributions. Under this option, the Company calculates the minimum distribution amount required by law (generally at
age 73 (or such other age as prescribed by Tax Code Section 401(a)(9)) or retirement, if later) and pays you that amount once a year.

**Other Systematic Distribution Options**

Other systematic distribution options may be available from time to time. Additional information relating to any of the systematic distribution options may be obtained from your local representative or by contacting Customer Service.

**Other Systematic Distribution Options**

Other systematic distribution options may be available from time to time. Additional information relating to any of the systematic distribution options may be obtained from your local representative or by contacting Customer Service.

**Electing a Systematic Distribution Option**

The Contract Holder or you, if permitted by the plan, may elect a systematic distribution option. For some contracts, the Contract Holder must provide the Company with certification that the distribution is in accordance with the terms of the plan.

**Terminating a Systematic Distribution Option**

Once you elect a systematic distribution option, you may revoke it at any time by submitting a written request to Customer Service. Once revoked, an option may not be elected again until the next calendar year, nor may any other systematic distribution option be elected, unless the Tax Code permits it.

**Tax Consequences**

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

**Loans**

**Availability**

You may take out a loan from your Account Value during the Accumulation Phase. Loans are only allowed from amounts allocated to certain Subaccounts and Fixed Interest Options. Loans will not be permitted to be taken from the account of any participant while such participant is employed by a voluntary employer. The amount available for a loan is limited to the Vested individual Account Value attributable to participant contributions subject to any plan vesting limits as determined by the Contract Holder, plus any additional amounts allowed by the plan as determined by the Contract Holder. Amounts available from some Investment Options may be subject to limitations specified in the loan agreement. Additional restrictions may apply under the Tax Code, ERISA (if applicable), your plan or due to our administrative practices or those of a third-party administrator selected by your Plan Sponsor, and loans may be subject to approval by the Plan Sponsor or its delegate. We reserve the right to deny a loan request if the participant has an outstanding loan in default. **See "LOANS" in the full Contract Prospectus for additional information.**

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**ADDITIONAL INFORMATION ABOUT FEES**

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

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

**Transaction Expenses**

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| | |
|:---|:---|
| <br> Maximum Early Withdrawal Charge<sup>1</sup><br> *(as a percentage of amount withdrawn, if applicable)* | 5.00% |
| Maximum Loan Fees |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Initiation Fee<sup>2</sup> | $125.00 |
| Premium Tax<sup>3</sup> | 0.00% to 4.00% |

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**The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses).**

**Annual Contract Expenses**

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| | |
|:---|:---|
| Base Contract Expenses<sup>4,5</sup><br> *(as a percentage of average Account Value)* | 1.25% |
| Loan Interest Rate Spread (per annum)<sup>6</sup> | **3.00**% |
| Annual Loan Administration Fee<sup>7</sup> | $50.00 |

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<sup>1</sup> This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the "**CHARGES AND FEES**" section. In certain cases, this charge may not apply to a portion or all of your withdrawal. The early withdrawal charge reduces over time. This charge may be waived, reduced, or eliminated in certain circumstances. **See "CHARGES AND FEES ."**

<sup>2</sup> Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to a loan initiation fee. If assessed, the loan initiation fee will apply to each outstanding loan taken and will be deducted from the Account Value. We reserve the right to change the fee charged for loan initiation, but not to exceed $125. **See the "LOANS ‒ *Things to Consider Before Initiating a Loan*" section of the full Contract prospectus.**

<sup>3</sup> We reserve the right to deduct a charge for premium taxes from your Account Value or from payments to the Account at any time, but not before there is a tax liability under state law. **See "CHARGES AND FEES ‒ *Premium and Other Taxes*" section of the full Contract prospectus.**

<sup>4</sup> These expenses may be reduced in certain circumstances. **See "CHARGES AND FEES ‒ *Periodic Fees and Charges*" in the full Contract prospectus.**

<sup>5</sup> The mortality and expense risk charge, included in the base contract expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. The base contract expenses also reflect an administration expense charge equal to 0.25% annually of your Account Value invested in the Subaccounts. **See "CHARGES AND FEES" in the full Contract prospectus in the full Contract prospectus.**

<sup>6</sup> This is the difference between the rate charged and the rate credited on loans under your Contract. We reserve the right to assess a Loan Interest Rate Spread between 0.0% and 3.0% per annum. If applied, the Loan Interest Rate Spread is generally 2.5% per annum. **See "LOANS ‒ *Things to Consider Before Initiating a Loan.*"**

<sup>7</sup> Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding Plan Loan and be deducted from the vested individual account value. We reserve the right to change the annual fee charged for loan administration, but the fee shall not exceed $50. **See "LOANS ‒ *Things to Consider Before Initiating a Loan*" in the full Contract prospectus.**

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**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the Funds available under the Contract, including their annual expenses, may be found in an appendix to this summary Prospectus. See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."**

**Annual Fund Expenses**

---

| | | |
|:---|:---|:---|
| ***Total Annual Fund Operation Expenses*** | **Minimum** | **Maximum** |
| Range of total annual Fund operating expenses **before** any waivers or expense reimbursements | 0.04% | 1.30% |
| Range of total annual Fund operating expenses **after** any waivers or expense reimbursements<sup>1</sup> | 0.04% | 1.15% |

---

**Examples**

**These examples are intended to help you compare the cost of investing in the Variable Investment Optoins with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses (assuming no loans), annual Contract expenses and annual Fund expenses. They do not reflect any advisory fee paid to an independent investment advisor (if retained by a participant) from a participant's account, and if such charges were reflected, the costs would be higher.**

**The Example assumes all Contract value is allocated to the Variable Investment Options.**

**The following example assumes that you invest $100,000 in the Variable Investment Options for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive combination of annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Example A: If you withdraw your entire Account Value at the end of the applicable time period:** | **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| **Example A: If you withdraw your entire Account Value at the end of the applicable time period:** | $7704 | $13312 | $18069 | $28852 |
| **Example B: If you do not withdraw your entire Account Value or if you select an Income Payment option at the end of the applicable time period:**<sup>\*</sup> | **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| **Example B: If you do not withdraw your entire Account Value or if you select an Income Payment option at the end of the applicable time period:**<sup>\*</sup> | $2581 | $7935 | $13554 | $28852 |

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<sup>\*</sup> This example will not apply if a nonlifetime payment option is elected with variable payments and a lump-sum payment is requested within a certain number of years as specified in the Contract. In that case, the lump-sum payment is treated as a withdrawal and may be subject to an early withdrawal charge. (Refer to Example A.)

<sup>1</sup> Any expense waivers or reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the Fund company's board of directors.

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**APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

**The Variable Options and Fixed Interest Options available to you may vary based on employer. You should refer to your plan documents for a list of available Investment Options.**

 ****

***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 <u>https://vpx.broadridge.com/getcontract1.asp?dtype=isp&cid=voyavpx&fid=92912K240</u>. You can also request this information at no cost by calling 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>. The Funds available to you may vary based on employer and state approval and participants should refer to their plan documents for a list of available Funds.**

**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.**

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. **Allspring Small Company Value Fund (Class A)**<sup>1</sup><br>**Investment Adviser:** Allspring Funds Management, LLC<br>**Subadviser:** Allspring Global Investments, LLC | 1.15%<sup>\*</sup> | 1.77% | 8.81% | 8.76% |
| Seeks long-term capital growth by investing in common stocks. Income is a secondary objective. **American Century Investments<sup>®</sup> Disciplined Value Fund (Class A)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** American Century Investment Management, Inc. | 0.90% | 14.62% | 8.54% | 10.17% |
| Seeks to provide long-term growth of capital. **American Funds<sup>®</sup> - EUPAC Growth Fund<sup>®</sup> (Class R-3)<sup>\*\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 1.12% | 28.35% | 3.91% | 7.75% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective March 10, 2026, American Century Investments® Disciplined Core Value Fund (Class A) changed its name to the American Century Investments<sup>®</sup> Disciplined Value Fund (Class A). |
| <sup>\*\*\*</sup> | Effective June 2, 2025, the American Funds<sup>®</sup> EuroPacific Growth Fund<sup>®</sup> (Class R3) changed its name to the American Funds<sup>®</sup> EUPAC Fund<sup>®</sup> (Class R3). |
| <sup>1</sup> | 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.** |

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide growth of capital. **American Funds<sup>®</sup> - The Growth Fund of America<sup>®</sup> (Class R-3)1**<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.93% | 19.53% | 11.44% | 14.77% |
| Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. **American Funds<sup>®</sup> – Washington Mutual Investors Fund<sup>SM</sup>**<br> **(Class R-4)<sup>1</sup>**<br>Investment Adviser: Capital Research and Management Company<sup>SM</sup> | 0.75%<sup>\*</sup> | 16.90% | 13.60% | 12.08% |
| Seeks long-term capital appreciation. **Ariel Fund**<br> **(Investor Class)**<sup>1</sup><br>Investment Adviser: Ariel Investments, LLC | 1.01% | 14.15% | 9.36% | 9.51% |
| Seeks to track the performance of the Calvert US Large-Cap Core Responsible Index (the "Index"), which measures the investment return of large-capitalization stocks. **Calvert US Large-Cap Core Responsible Index Fund (Class A)<sup>1</sup>**<br>**Investment Adviser:** Calvert Research and Management | 0.60% | 15.59% | 12.21% | 14.20% |
| The investment objective of the Fund is total return through investment in real estate securities. **Cohen & Steers Real Estate Securities Fund, Inc. (Class A)<sup>1</sup>**<br>**Investment Adviser:** Cohen & Steers Capital Management, Inc.<br>| 1.10% | 4.00% | 5.40% | 6.36% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> 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.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide investment results that, before expenses, correspond to the total return of common stocks publicly traded in the United States, as represented by the Standard & Poor's 500 Composite Stock Price Index (S&P 500<sup>®</sup> Index). | **DWS Equity 500 Index Fund (Class S)**<sup>1</sup><br>**Investment Adviser:** DWS Investment Management Americas, Inc.<br>**Subadviser:** Northern Trust Investments, Inc. | 0.25%<sup>\*</sup> | 17.52% | 14.12% | 14.53% |
| Seeks long-term capital appreciation. | **Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**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 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)**<sup>2</sup><br>**Investment Adviser:** Franklin Mutual Advisers, LLC | 0.91%<sup>\*</sup> | 7.65% | 8.86% | 9.81% |
| Seeks income and conservation of principal and secondarily long-term growth of capital. | **Impax Sustainable Allocation Fund (Investor Class)**<sup>1</sup><br>**Investment Adviser:** Impax Asset Management LLC | 0.93% | 10.86% | 5.38% | 7.68% |
| Seeks capital appreciation. | **Invesco Main Street Mid Cap Fund<sup>®</sup> (Class A)**<sup>1</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 1.04% | 8.92% | 8.99% | 9.73% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> 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.**

<sup>2</sup> Effective June 20, 2021, the Franklin Small Cap Value VIP Fund closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term growth of capital. | **Invesco Small Cap Growth Fund (Class A)**<sup>1,3</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 1.16% | 5.69% | -0.81% | 8.97% |
| Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies. | **Lord Abbett Mid Cap Stock Fund (Class A)**<sup>2,3</sup><br>**Investment Adviser:** Lord, Abbett & Co. LLC | 1.02% | 7.27% | 10.32% | 8.21% |
| Seeks long-term growth of capital and income. | **Nuveen Global Infrastructure Fund (Class I)**<br>**Investment Adviser:** Nuveen Fund Advisors, LLC<br>**Subadviser:** Nuveen Asset Management, LLC | 0.96%<sup>\*,\*\*</sup> | 10.94%<sup>\*\*</sup> | 4.87%<sup>\*\*</sup> | 6.23%<sup>\*\*</sup> |
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management. | **PIMCO VIT Real Return Portfolio (Admin Class)**<br>**Investment Adviser:** Pacific Investment Management Company LLC | 1.39% | 7.85% | 1.21% | 3.21% |
| Seeks to provide long-term capital appreciation by investing in common stocks believed to be undervalued. Income is a secondary objective. | **T. Rowe Price Value Fund (Advisor Class)**<sup>3</sup><br>**Investment Adviser:** T. Rowe Price Associates, Inc. | 0.95%<sup>\*</sup> | 11.89% | 10.46% | 10.48% |
| Seeks current income with capital appreciation and growth of income. | **Templeton Global Bond Fund (Class A)**<sup>3</sup><br>**Investment Adviser:** Franklin Advisers, Inc. | 1.02%<sup>\*</sup> | 12.40% | -2.02% | -0.45% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Information is as of the most recent prospectus for the periods ended December 31, 2024. |
| <sup>1</sup> | The Invesco Small Cap Growth Fund is only available to plans that were offering this Fund prior to April 29, 2011. |
| <sup>2</sup> | The Lord Abbett Mid Cap Stock Fund is only available to plans that were invested in the Fund as of December 21, 2015. |
| <sup>3</sup> | The 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.** |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to track the performance of a broad, market-weighted bond index. | **Vanguard<sup>®</sup> Total Bond Market Index Fund (Admiral<sup>TM</sup> Shares)**<sup>1</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard) | 0.04% | 7.15% | -0.42% | 1.99% |
| Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States. | **Vanguard<sup>®</sup> Total International Stock Index Fund (Admiral<sup>TM</sup> Shares)**<sup>1</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard) | 0.09% | 32.18% | 7.93% | 8.51% |
| Seeks long-term capital growth. | **Victory Pioneer Global Equity Fund (Class A)**<br>**Investment Adviser:** Victory Capital Management | 1.10%<sup>\*</sup> | 41.08% | 15.40% | 12.75% |
| Seeks to maximize total returns and maintain lower volatility relative to the overall market. | **Voya Global High Dividend Low Volatility Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser: Voya** Investment Management Co. LLC | 0.60%<sup>\*</sup> | 19.00% | 10.52% | 9.05% |
| Seeks capital appreciation. | **Voya Global Insights Portfolio (Class S)**<sup>\*\*</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 1.06%<sup>\*</sup> | 24.14% | 6.96% | 10.70% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class I) will change its name to the Voya Global Insights Fund (Class I). |
| <sup>1</sup> | The Vanguard Total Bond Market Index Fund and the Vanguard Total International Stock Index Fund are only available to plans that were offering these Funds prior to November 19, 2018. |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| 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)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment<br> Management Co. LLC | 0.54%<sup>\*</sup> | 7.36% | 0.23% | 1.14% |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.67%<sup>\*</sup> | 18.21% | 15.46% | 14.62% |
| Seeks to provide Investors with a high level of current income and total return. | **Voya High Yield Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.50% | 8.80% | 3.92% | 5.82% |
| Seeks to outperform the total return performance of the S&P 500<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus LargeCap Portfolio**<br> **(Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>| 0.55%<sup>\*</sup> | 15.20% | 13.73% | 13.90% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> The 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.**

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to outperform the total return performance of the S&P 500<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus LargeCap Portfolio**<br> **(Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.80%<sup>\*</sup> | 14.89% | 13.44% | 13.61% |
| Seeks to outperform the total return performance of the S&P MidCap 400<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus MidCap Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.60%<sup>\*</sup> | 8.16% | 9.90% | 9.75% |
| Seeks to outperform the total return performance of the S&P SmallCap 600<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus SmallCap Portfolio**<br> **(Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.60%<sup>\*</sup> | 8.27% | 8.97% | 9.23% |
| 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.<br>| **Voya Index Solution 2030 Portfolio (Class I)**<sup>1</sup> **<br> Investment Adviser:** Voya Investments, LLC**<br>Subadviser:** Voya Investment Management Co. LLC 0.23%<sup>\*</sup> | 15.35% | 6.67% | 8.42% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> 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.**

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **1 Year** | **5 Years** | **10 Years** |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Index Solution 2035 Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>0.22%<sup>\*</sup> | 17.19% | 7.66% | 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**<sup>1</sup>**<br>Investment Adviser:** Voya Investments, LLC**<br>Subadviser:** Voya Investment Management Co. LLC 0.24%<sup>\*</sup> | 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)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.22%<sup>\*</sup> | 20.07% | 9.75% | 10.68% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> 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.**

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **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 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)<sup>1</sup><br>Investment Adviser:** Voya Investments, LLC**<br>Subadviser:** Voya Investment Management Co. LLC 0.26%<sup>\*</sup> | 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)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.26%<sup>\*</sup> | 20.69% | 10.04% | 10.81% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> 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.**

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **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)**<sup>1</sup>**<br>Investment Adviser:** Voya Investments, LLC**<br>Subadviser:** Voya Investment Management Co. LLC 0.25%<sup>\*</sup> | 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)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>0.25%<sup>\*</sup> | 20.82% | 10.17% | 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 2070 Portfolio (Class I)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.25%<sup>\*</sup> | N/A | N/A | N/A |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | The Fund was available for investment on August 11, 2025. |
| <sup>1</sup> | 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.** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Index Solution Income Portfolio**<br> **(Class I<sup>)\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.21%<sup>\*</sup> | 11.83% | 3.88% | 5.45% |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>0.55%<sup>\*</sup> | 7.71% | 0.15% | 2.66% |
| A *non-diversified* Portfolio that seeks long-term capital growth. | **Voya Large Cap Growth Portfolio (Class S)<sup>\*\*\*<br></sup> Investment Adviser:** Voya Investments, LLC<br>**Subadvisers:** Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.<sup>\*\*\*\*</sup> 0.92%<sup>\*</sup> | 15.09% | 11.96% | 14.90% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective August 8, 2025, the Voya Solution 2025 Portfolio (Class I) merged into the Voya Solution Income Portfolio (Class I). |
| <sup>\*\*\*</sup> | Effective November 21, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio. |
| <sup>\*\*\*\*</sup> | Effective October 27, 2025, T. Rowe Price Associates Inc. has been added as a subadviser. |
| <sup>1</sup> | 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.** |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seeks long-term growth of capital and current income.<br>| **Voya Large Cap Value Fund (Class A)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.86%<sup>\*</sup> | 12.66% | 12.56% | 10.85% |
| Seeks long-term growth of capital and current income.<br>| **Voya Large Cap Value Fund (Class I)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.76%<sup>\*</sup> | 13.05% | 12.94% | 11.22% |
| Seeks long-term capital appreciation. | **Voya MidCap Opportunities Portfolio (Class I)**<br> **<br> Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.83%<sup>\*</sup> | 3.90% | 4.55% | 10.97% |
| Seeks long-term capital appreciation. | **Voya Small Cap Growth Fund (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.95% | 14.49% | 8.11% | 13.13% |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.87%<sup>\*</sup> | 8.59% | 6.26% | 8.39% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective February 6, 2026, the Voya Large Cap Value Portfolio (Class S) merged into the Voya Large Cap Value Fund (Class A). |
| <sup>\*\*\*</sup> | Effective February 6, 2026, the Voya Large Cap Value Portfolio (Class I) merged into the Voya Large Cap Value Fund (Class I). |

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks growth of capital. | **Voya Solution Aggressive Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.77%<sup>\*</sup> | 16.87% | 9.89% | 10.55% |
| Seeks to provide capital growth through a diversified asset allocation strategy. | **Voya Solution Balanced Portfolio (Class I)**<sup>1</sup><br> **<br> Investment Adviser**: Voya Investments, LLC<br>**Subadviser**: Voya Investment Management Co. LLC<br> 0.75%<sup>\*</sup> | 13.05% | 6.84% | 8.04% |
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution Conservative Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.66%<sup>\*</sup> | 8.33% | 2.97% | 4.77% |
| Seeks capital growth and income. | **VY<sup>®</sup> Invesco Comstock Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc.<br> 0.97%<sup>\*</sup> | 17.02% | 14.95% | 11.75% |
| Seeks total return consisting of long-term capital appreciation and current income. | **VY<sup>®</sup> Invesco Equity and Income Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc.<br> 0.89%<sup>\*</sup><br>| 12.53% | 8.55% | 8.59% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> The 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.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk. | **VY<sup>®</sup> T. Rowe Price Capital Appreciation Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc.<br>| 0.90% | 12.02% | 9.22% | 11.04% |
| Seeks long-term capital appreciation. | **VY<sup>®</sup> T. Rowe Price Diversified Mid Cap Growth Portfolio**<br> **(Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc. | 1.05%<sup>\*</sup> | 9.67% | 6.97% | 12.49% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

***Fixed Interest Options***

**The following is the Fixed Interest Option currently available under the Contract. The availability of the Fixed Interest Option may vary based on employer and state approval and participants should refer to their plan documents for a list of available Fixed Interest Options. We may change the features of the Fixed Interest Option listed below, offer new Fixed Interest Options, and terminate existing Fixed Interest Option. We will provide you with written notice before doing so.**

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate<sup>\*\*</sup>** |
| The Fixed Plus Account/Fixed Plus Account II | N/A | 3.00% |
| The Fixed Plus Account IIA | N/A | 1.00% |

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<sup>\*\*</sup> The minimum guaranteed minimum interest rate for your Contract is stated in your Contract, and will not be less than stated.

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**HOW TO GET MORE INFORMATION**

This summary Prospectus incorporates by reference the full AFT Choice Plus Contract prospectus and Statement of Additional Information ("SAI), each dated May 1, 2026, as amended or supplemented. You can find these documents online at <u>https://vpx.broadridge.com/getcontract1.asp?doctype=pros&dtype=isp&cid=voyavpx&fid=92912K240</u> for the Contract prospectus and <u>https://vpx.broadridge.com/getcontract1.asp?doctype=sai&dtype=isp&cid=voyavpx&fid=92912K240</u> for the SAI. You can also obtain these documents at no cost by calling 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

Reports and other information about the Variable Annuity Account C, and Voya Retirement Insurance and Annuity Company, are available on the Commission's website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: <u>publicinfo@sec.gov</u>.

EDGAR Contract Identifier: C000002962

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