# EDGAR Filing Document

**Accession Number:** 0000837010
**File Stem:** 0001133228-26-006967
**Filing Date:** 2026-4
**Character Count:** 79497
**Document Hash:** fe5b2c634e6c4381f56d9173756edf2f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-006967.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001133228-26-006967

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260428

**EFFECTIVENESS DATE**: 20260428

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VOYA RETIREMENT INSURANCE & ANNUITY Co
- **CENTRAL INDEX KEY:** 0000837010
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 710294708
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-294119
- **FILM NUMBER:** 26908783

**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:** ING LIFE INSURANCE & ANNUITY CO
- **DATE OF NAME CHANGE:** 20020319

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AETNA LIFE INSURANCE & ANNUITY CO /CT
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### VOYA RETIREMENT INSURANCE & ANNUITY Co (Series ID: S000101509)

| Class ID   | Class Name                                                       | Ticker Symbol   |
|:---|:---|:---|
| C000275688 | State University of New York and Guaranteed Accumulation Account |  |

**VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY**

**STATE UNVERSITY OF NEW YORK**

**DEFINED CONTRIBUTION RETIREMENT PLANS**

**GROUP DEFERRED FIXED AND VARIABLE ANNUITY CONTRACTS**

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

issued to

**SUNY ORP (Post 11/15/2021) 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?dtype=isp&cid=voyavpx&fid=NRVA00974</u>. You can also obtain this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, taxes, and tax penalties.

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

____________________________________________________________________________

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

**without paying fees or penalties.**

**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.**

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 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.294119-26 1

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| | |
|:---|:---|
| **TABLE OF CONTENTS** |  |
| **[SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS](#a_001)** | **3** |
| **[OVERVIEW OF THE CONTRACT](#a_002)** | **5** |
| &nbsp;&nbsp;&nbsp;[Purpose](#a_003) | &nbsp;&nbsp;&nbsp;5 |
| &nbsp;&nbsp;&nbsp;[Phases of Contract](#a_004) | &nbsp;&nbsp;&nbsp;5 |
| &nbsp;&nbsp;&nbsp;[Contract Features](#a_005) | 6 |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#a_006)** | **7** |
| **[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_007)** | **8** |
| &nbsp;&nbsp;&nbsp;[Benefits Available Under the Contract](#a_008) | 11 |
| **[BUYING THE CONTRACT](#a_009)** | **13** |
| &nbsp;&nbsp;&nbsp;[Purchasing the Contract](#a_010) | 13 |
| &nbsp;&nbsp;&nbsp;[Participating in the Contract](#a_011) | 13 |
| &nbsp;&nbsp;&nbsp;[Acceptance or Rejection](#a_012) | 13 |
| &nbsp;&nbsp;&nbsp;[Allocation of Purchase Payments](#a_013) | 13 |
| &nbsp;&nbsp;&nbsp;[Transfer Credits](#a_014) | 13 |
| &nbsp;&nbsp;&nbsp;[Tax Code Restrictions](#a_015) | 14 |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#a_016)** | **14** |
| &nbsp;&nbsp;&nbsp;[Withdrawals](#a_017) | 14 |
| &nbsp;&nbsp;&nbsp;[Employer Directed Withdrawals](#a_018) | 15 |
| &nbsp;&nbsp;&nbsp;[Systematic Distribution Options](#a_019) | 15 |
| **[ADDITIONAL INFORMATION ABOUT FEES](#a_020)** | **17** |
| &nbsp;&nbsp;&nbsp;[Transaction Expenses](#a_021) | 17 |
| &nbsp;&nbsp;&nbsp;[Annual Contract Expenses](#a_022) | 17 |
| &nbsp;&nbsp;&nbsp;[Annual Fund Expenses](#a_023) | 18 |
| &nbsp;&nbsp;&nbsp;[Examples](#a_024) | 18 |
| **[APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#a_025)** | **19** |

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**SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS**

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

**Account Value:** The value of: (1) amounts allocated to the Fixed Interest Options, including interest earnings to date; less (2) any deductions from the Fixed Interest Options (e.g., withdrawals and fees); and plus (3) the current dollar value of amounts allocated to the Subaccounts of Variable Annuity Account 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 begin receiving Income Phase payments under the Contract. During the Accumulation Phase, you accumulate retirement benefits.

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

**Accumulation Unit Value**: The value of an Accumulation Unit for a Subaccount of Variable Annuity Account 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 II A is a Fixed Interest Option that may be available during the Accumulation Phase under some Contracts. Amounts allocated to the Fixed Interest Option 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.*

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

**Purpose**

The contracts described in this prospectus are group deferred fixed and variable annuity contracts. The Contracts may be single Purchase Payment contracts or Contracts that permit installment Purchase Payments. 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.

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**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.

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 Fixed Plus Account II A may be available through the Contract.

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

**Income Phase:** During the Income Phase, you start receiving annuity, or Income Phase, payments from your Contract. However, during the Income Phase you will be unable to make withdrawals, and any death benefits and living benefits will terminate. The Contract offers several Income Phase payment options. In general, you may:

&nbsp;&nbsp;&nbsp;&nbsp;• Receive
 Income Phase payments over a lifetime or for a specified period;

&nbsp;&nbsp;&nbsp;&nbsp;• Receive
 Income Phase payments monthly, quarterly, semi-annually or annually;

&nbsp;&nbsp;&nbsp;&nbsp;• Select
 an Income Phase option that provides a death benefit to Beneficiaries; or

&nbsp;&nbsp;&nbsp;&nbsp;• Select
 fixed Income Phase payments or payments that vary based on the performance of the Variable
 Investment Options you select.

**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). If made available under your Contract, you can elect the Guaranteed Death Benefit. 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.**

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

**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.

**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 other deductions, tax withholding and taxation.

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

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

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| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **No.** | **No.** | **No.** |
| **Are There Transaction Charges?** | **Yes.**<br> • An Investor may be charged for transactions;<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.** | **Yes.**<br> • An Investor may be charged for transactions;<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.** | **Yes.**<br> • An Investor may be charged for transactions;<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.** |
| **Are There Ongoing Fees and Expenses?** | The table below describes the fees and expenses that you may pay *each year*, depending on the 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. | The table below describes the fees and expenses that you may pay *each year*, depending on the 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. | The table below describes the fees and expenses that you may pay *each year*, depending on the 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. |
| **Are There Ongoing Fees and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** |
| **Are There Ongoing Fees and Expenses?** | **Base Contract Expenses** | 0.12%<sup>1,2</sup> | 1.50%<sup>1,2</sup> |
| **Are There Ongoing Fees and Expenses?** | **Portfolio Company fees and expenses** | 0.015%<sup>3</sup> | 0.89%<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 (1) 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; and (2) an administrative expense charge equal to 0.25% (we currently do not charge your contract this expense) annually of your Account Value invested in 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 the Portfolio Company's net assets. These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2025, and will vary from year to year.

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

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|:---|:---|
| **Ongoing Fees and Expenses (annual charges)** | 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**.<br>|

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| | |
|:---|:---|
| **Lowest Annual Cost Estimate:**<br> **$131** | **Highest Annual Cost Estimate:<br> $2,083** |
| Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No optional benefits;<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> • Fees and expenses of most expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers, or withdrawals. |

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**See the "ADDITIONAL INFORMATION ABOUT FEES – *Periodic Fees and Expenses"* sections of this summary prospectus and "CHARGES, FEES and Adjustments – *Periodic Fees and Charges*" in the full Contract Prospectus.**<br>

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** An Investor can lose money by investing in 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 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>If you participate in the Contract, you may not receive any distribution before retirement, or terminating employment with the SUNY ORP public institutions of higher learning.<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)*** | **RISKS**<br> ***(continued from previous page)*** |
| **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.** |
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Limits on the Investment Options?** | **Yes.**<br> • Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information;<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> • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment 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,*" "THE CONTRACT – *Limits on Frequent or Disruptive Transfers*" and "OTHER TOPICS – *Financial Intermediary Variations"* in the full Contract Prospectus.** |
| **Are There any Restrictions on Contract Benefits?** | **Yes.**<br> • We may discontinue or restrict the availability of an optional benefit;<br> • Account Values invested in certain investment options may not be available for rebalancing under the Asset Rebalancing Program. Subaccount reallocations or changes outside of the Asset Rebalancing Program may affect the program;<br> • If not required under your plan, we may discontinue the availability of one or all of the Systematic Distribution Options at any time and/or change the terms of future elections;<br> • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits; and<br> The availability of certain benefits may vary based on your plan.<br> **See "THE CONTRACT – *Contract Provisions and Limitations* – The Asset Rebalancing Program," "DEATH BENEFIT – Death Benefit Options," "OPTIONAL MINIMUM GUARANTEED WITHDRAWAL (Certain SUNY Voluntary Legacy Plan Contract Only)," "SYSTEMATIC DISTRIBUTION OPTIONS – Availability of Systematic Distribution Options," "LOANS – *Availability*" and "OTHER TOPICS – Financial Intermediary Variations" in the full Contract Prospectus.** |
| **TAXES** | **TAXES** |
| **What are the Contract's Tax Implications?** | • You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract;<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** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | • 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, 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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**Benefits Available Under the Contract**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of<br> Benefit** | **Purpose** | **Is Benefit<br> Standard or<br> Optional** | **Maximum Fee** | **Brief Description of<br> Restrictions/Limitations** |
| **Adjusted Purchase Payment Guaranteed Death Benefit** | The death benefit is the greater of (a) or (b), where:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a dollar-for-dollar or proportional adjustment (depending on your plan) for withdrawals and amounts taken as a loan, which amount will never be less than zero; and<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. | Standard | No additional fee for this death benefit. | If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of<br> Benefit** | **Purpose** | **Is Benefit<br> Standard or<br> Optional** | **Maximum Fee** | **Brief Description of<br> Restrictions/Limitations** |
| **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. The benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. |
| **Systematic Distribution Options** | Allows you to receive regular payments from your account without moving into the Income Phase. | Standard | No additional fee for this benefit. | If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. The 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 | No additional fee for this benefit. | 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. The benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. |

---

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**BUYING THE CONTRACT**

**Purchasing the Contract**

To purchase the Contract:

&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.

**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;• Under
 the rollover Contract, we will allocate Purchase Payments attributable to transfers of after-tax
 employee contributions made to a predecessor 403(b) plan, as applicable, to the employee
 account and Purchase Payments attributable to a transfer of employer contributions made under
 the same plan to the employer account; and

&nbsp;&nbsp;&nbsp;&nbsp;• Under
 the modal Contract, we will allocate Funds attributable to Tax Code Section 414(h) contributions
 to an employee account and ongoing payments under Tax Code Section 401(a) and transferred
 Funds attributable to Tax Code Section 401(a) contributions from another investment provider
 to an employer account.

**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.

**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.**

**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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**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**

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 and redemption fees, if applicable,
 your Account Value allocated to the Subaccounts, and the amount available for withdrawal
 from 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
 withholding tax, tax penalties and redemption fees, if applicable, the amount you specify,
 subject to the value available in your account. However, the amount actually withdrawn from
 your account will be the amount you specified. The amounts available from the 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 II A, please see APPENDIX F 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.

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**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.

**Withdrawal Restrictions**

Many plans may have limits on withdrawals that may be made from the plan. The Contract may require that the Contract Holder certify that you are eligible for the distribution.

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

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

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

&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.

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**Other Systematic Distribution Options**

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

**Availability of Systematic Distribution Options**

If not required under the plan, the Company may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections.

**Terminating a Systematic Distribution Option**

Once 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.**

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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**

---

| | |
|:---|:---|
| Premium Tax<sup>1</sup> | 0.00% to 4.00% |

---

**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**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Base Contract Expenses<sup>2,3</sup><br> *(as a percentage of average Account Value)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.50% |

---

**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. 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: FUNDS AVAILABLE UNDER THE CONTRACT."**

<sup>1</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>2</sup> These expenses (which currently show the maximum and not current expenses) may be reduced in certain circumstances. **See "CHARGES AND FEES – *Periodic Fees and Charges*" in the full Contract Prospectus.**

<sup>3</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 current charge is 0.12%). The base contract expenses also reflect an administration expense charge equal to 0.25% (we currently do not charge your contract this expense) annually of your Account Value invested in the Subaccounts. **See "CHARGES AND FEES" in the full Contract Prospectus.**

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**Annual Fund Expenses**

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| ***Total Annual Fund Operating Expense***<br> Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) **before** any waivers or expense reimbursements | 0.015% | 0.89% |
| <br> ***Total Annual Fund Operating Expense***<br> Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) **after** any waivers or expense reimbursements | 0.015% | 0.89% |

---

**Examples**

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

**The Example assumes all Account Value is allocated to the Variable Investment Options. Your costs could differ from those below if you invest in the Fixed Income Options.**

**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:**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **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:** | $2421 | $7455 | $12755 | $27263 |
| **Example B: If you do not withdraw your entire Account Value or if you select an income Phase payment option at the end of the applicable time period:**<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 Phase payment option at the end of the applicable time period:**<sup>\*</sup> | $2421 | $7455 | $12755 | $27263 |

---

<sup>\*</sup> This example will not apply if during the Income Phase 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 during the Accumulation Phase and may be subject to an early withdrawal charge. (Refer to Example A.)

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

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

***Variable Options***

**The following is a list of Funds available under the Contract.**

**More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at <u>https://vpx.broadridge.com/getcontract1.asp?dtype=isp&cid=voyavpx&fid=NRVA00974</u>. You can also request this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **CURRENT<br> 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<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks total return, consisting of current income and capital appreciation. **Allspring Core Plus Bond Fund (Class R6)**<sup>1,2</sup><br>**Investment Adviser:** Allspring Funds Management, LLC<br>**Subadviser:** Allspring Global Investments, LLC | 0.30%\* | 7.41% | 0.34% | 3.37% |
| Seeks to provide long-term growth of capital. **American Funds<sup>®</sup> – EUPAC Fund<sup>®</sup> (Class R6)<sup>\*\*</sup>**<sup></sup> **Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.47% | 29.18% | 4.59% | 8.46% |

---

---

| | |
|:---|:---|
| <sup>\*</sup> | Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective June 2, 2025, the American Funds<sup>®</sup> EuroPacific Growth Fund<sup>®</sup> (Class R) changed its name to the American Funds<sup>®</sup> EUPAC Fund<sup>®</sup> (Class R6). |
| <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> | This Fund is available to the general public, in addition to being available through variable annuity contracts. **See This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See "THE INVESTMENT OPTIONS – *The Variable Investment Options* – Funds of Funds" for more information.** |

---

ISP.294119-26 19

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT<br> ADVISER/SUBADVISER** | **CURRENT<br> 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<br> ADVISER/SUBADVISER** | **CURRENT<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Provide inflation protection and earn current income consistent with inflation-protected securities.<br>| **DFA Inflation-Protected Securities Portfolio (Institutional Class)**<br>**Investment Adviser:** Dimensional Fund Advisors LP | 0.11% | 7.03% | 1.01% | 3.11% |
| Seeks to maximize total returns. Total return is comprised of income and capital appreciation. | **DFA Social Fixed Income Portfolio (Institutional Class)**<br>**Investment Adviser:** Dimensional Fund Advisors LP<br>**Subadvisers:** Dimensional Fund Advisors Ltd. and DFA Australia Limited | 0.22% | 7.07% | -0.13% | N/A |
| Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) performance of common stocks publicly traded in the United States. | **Fidelity<sup>®</sup> 500 Index Fund**<sup>1</sup><br>**Investment Adviser:**<br> Fidelity Management & Research Company LLC<br>**Subadviser:**<br> Geode Capital Management, LLC | 0.015%\* | 25.00%\* | 14.51%\* | 13.09%\* |

---

<sup>\*</sup> This information is being provided based on the fund's most recent prospectus filing.

<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<br> 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<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks capital appreciation. **Fidelity Advisor<sup>®</sup> Focused Emerging Markets Fund (Class Z)<sup>1,2</sup>**<br>**Investment Adviser:** Fidelity Management & Research Company LLC (FMR)<br>**Subadvisers:** FMR UK, FMR HK, FIL Investments (Japan) LTD, FMR Japan, FIA, and FIA (UK) | 0.77%\*,\*\* | 9.43%\*\* | 3.98%\*\* | 5.89%\*\* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seeks to provide investment results that correspond to the total return of stocks of mid-capitalization United States companies. | **Fidelity<sup>®</sup> Mid Cap Index Fund**<br>**Investment Adviser:** Fidelity Management & Research Company LLC<br>**Subadviser:**<br> Geode Capital Management, LLC | 0.025%\*\* | 15.35%\*\* | 9.93%\*\* | 9.63%\*\* |
| Seeks to provide investment results that correspond to the total return of stocks of small-capitalization United States companies. | **Fidelity<sup>®</sup> Small Cap Index Fund**<sup>1</sup><br>**Investment Adviser:** Fidelity Management & Research Company LLC<br>**Subadviser:**<br> Geode Capital Management, LLC | 0.025%\*\* | 11.69%\*\* | 7.50%\*\* | 7.96%\*\* |
| Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets. | **Fidelity<sup>®</sup> Total International Index Fund**<br>**Investment Adviser:**<br> Fidelity Management & Research Company LLC<br>**Subadviser:** Geode Capital Management, LLC | 0.06%\*\* | 4.99%\*\* | 4.11%\*\* | N/A\*\* |

---

---

| | |
|:---|:---|
| <sup>\*</sup> | Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | This information is being provided based on the fund's most recent prospectus filing. |
| <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 March 31, 2025, the Fidelity Advisor® Focused Emerging Markets Fund (Class Z) closed to new investors. |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT<br> ADVISER/SUBADVISER** | **CURRENT<br> 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<br> ADVISER/SUBADVISER** | **CURRENT<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term total return. | **Franklin Small Cap Value Fund (Class R6)**<br>**Investment Adviser:** Franklin Mutual Advisers, LLC | 0.60%\* | 7.67% | 9.14% | 10.16% |
| Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg U.S. Aggregate Bond Index. | **Fidelity<sup>®</sup> U.S. Bond Index Fund (Class A)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Fidelity Management & Research<br> Company LLC<br>**Subadviser:** FMR Investment Management (U.K.) Limited | 0.025%\*\*\* | 1.34%\*\*\* | -0.31%\*\*\* | 1.33%\*\*\* |
| Seek long term growth of capital by investing in innovative companies around the world whose businesses and technologies focus on environmental markets, including alternative energy and energy efficiency; water infrastructure technologies and pollution control; environmental support services and waste management technologies; and sustainable food, agriculture, and forestry. | **Impax Global Environmental Markets Fund (Institutional Class)<sup>1</sup>**<br>**Investment Adviser:** Impax Asset Management LLC<br>**Subadviser:** Impax Asset Management Ltd. | 0.89% | 13.97% | 5.84% | 9.98% |
| Seeks long-term capital appreciation. | **JPMorgan Large Cap Growth Fund (Class R6)**<br>**Investment Adviser:** J.P. Morgan Investment Management Inc.<br>| 0.44%\* | 14.40% | 12.97% | 18.56% |
| Seeks to achieve both capital appreciation and current income. | **Parnassus Core Equity Fund<sup>SM</sup> (Investor Shares)**<br> **** <br> **Investment Adviser:** Parnassus Investment | 0.81% | 11.64% | 11.41% | 13.32% |
| Seeks to maximize current income. As a secondary investment objective, the Fund will seek capital appreciation, but only when consistent with the Fund's primarily investment objective of current income. | **PGIM High Yield Fund**<br> **(Class R6)**<br>**Investment Adviser:** PGIM Investments LLC<br>**Subadvisers:** PGIM Fixed Income and PGIM Limited | 0.38% | 9.14% | 4.60% | 6.59% |

---

---

| | |
|:---|:---|
| <sup>\*</sup> | Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund's Prospectus. |
| <sup>\*\*</sup> | Effective September 15, 2025, the Fidelity<sup>®</sup> U.S. Bond Index Fund was added to the SUNY ORP Post (11/15/2021) Contract. |
| <sup>\*\*\*</sup> | This information is being provided based on the fund's most recent prospectus filing. |
| <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<br> 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<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide long-term capital growth by investing primarily in the common stocks of mid-cap growth companies. **T. Rowe Price Diversified Mid-Cap Growth Fund (Class I)<sup>1</sup>**<br>**Investment Adviser:**<br> T. Rowe Price Investment Management | 0.67% | 10.54% | 7.36% | 12.97% |
| Seeks to provide an above-average level of current income and reasonable long-term capital appreciation. **Vanguard<sup>®</sup> Equity Income Fund (Admiral<sup>TM</sup> Shares)**<sup>1,2</sup><br>**Investment Advisers:** Wellington Management Company LLC (Wellington Management), and The Vanguard Group, Inc. (Vanguard) | 0.17% | 17.22% | 12.82% | 11.73% |
| Seeks to provide long-term capital appreciation. **Vanguard<sup>®</sup> Explorer<sup>TM</sup> Fund (Admiral<sup>TM</sup> Shares)**<sup>1,2</sup><br>**Investment Advisers:** ArrowMark Colorado Holdings, LLC (ArrowMark Partners), ClearBridge Investment, LLC (ClearBridge), Stephens Investment Management Group, LLC (SIMG), Wellington Management Company LLP (Wellington Management), and The Vanguard Group, Inc. (Vanguard) | 0.28% | 7.23% | 4.88% | 11.47% |
| Seeks to provide current income while maintaining liquidity and a stable share price of $1. **Vanguard<sup>®</sup> Federal Money Market Fund (Investor Shares)<sup>1,2</sup>**<br>**Investment Adviser:**<br> The Vanguard Group, Inc. (Vanguard) | 0.11% | 4.22% | 3.20% | 2.14% |
| Seeks to track the performance of a benchmark index that measures the investment return of large-and mid-capitalization stocks. **Vanguard<sup>®</sup> FTSE Social Index Fund (Institutional Shares)**<sup>1,2</sup><br>**Investment Adviser:**<br> The Vanguard Group, Inc. (Vanguard) | 0.03% | 17.31% | 13.54% | 15.17% |

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<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> Vanguard is a trademark of The Vanguard Group, Inc.

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **CURRENT<br> 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<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate-related investments. **Vanguard Real Estate Index Fund (Institutional Shares)<sup>\*,</sup>**<sup>1</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.11% | 3.23% | 4.66% | 5.16% |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings.<br>**Vanguard Target Retirement 2020 Fund** <sup>1,2</sup><br>**Investment Adviser**<br> The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 12.15% | 4.77% | 6.87% |

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<sup>\*</sup> Effective May 1, 2026, the Vanguard Real Estate Index Fund (Institutional Shares) was added to the SUNY ORP Post (11/15/2021) Contract. The Fund will be available on May 15, 2026.

<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> This Fund is available to the general public, in addition to being available through variable annuity contracts. **See 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** | **CURRENT<br> 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<br> EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2030 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 16.24% | 6.83% | 8.66% |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2035 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 17.54% | 7.71% | 9.40% |

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<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> 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** | **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 and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2040 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 18.76% | 8.57% | 10.13% |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2045 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 19.99% | 9.41% | 10.74% |

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<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> 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** | <br>**CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2050 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 21.41% | 9.95% | 11.02% |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2055 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 21.43% | 9.96% | 11.02% |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond II Index Fund, and Total International Stock Index Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2060 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 21.42% | 9.96% | 11.02% |

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<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> 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** | **CURRENT**<br> **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**<br> **EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2065 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 21.43% | 9.98% | N/A |
| Seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement 2070 Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 21.42% | N/A | N/A |

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<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> 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** | **CURRENT**<br> **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**<br> **EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide current income and some growth of capital by investing in a mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond II Index Fund, and Short-Term Inflation-Protected Securities Index Fund. The combination of funds produces a portfolio that is diversified by asset class and holdings. The combination of funds produces a portfolio that is diversified by asset class and holdings. **Vanguard Target Retirement Income Fund**<sup>1,2</sup><br>**Investment Adviser:** The Vanguard Group, Inc. (Vanguard)<br>| 0.08% | 11.31% | 3.85% | 5.33% |
| Seeks to provide long-term capital growth by investing primarily in common stocks.<br>**Victory Sycamore Established Value Fund (Class R6)**<sup>1</sup><br>**Investment Adviser:** Victory Capital Management Inc. | 0.54% | 2.68% | 9.95% | 10.98% |

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<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> 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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***Fixed Interest Options***

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

**For more information about the Fixed Interest Options, see "THE INVESTMENT OPTIONS – *Fixed Interest Options*" in the full Contract Prospectus.**

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

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

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This summary prospectus incorporates by reference the full State University of New York Defined Contribution Retirement Plans Contract prospectus and Statement of Additional Information, each dated May 1, 2026, as amended or supplemented. You can find these documents online at <u>https://vpx.broadridge.com/getcontract1.asp?dtype=isp&cid=voyavpx&fid=NRVA00974</u>. You can also obtain these documents at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

EDGAR Contract Identifier: C000275688

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