# EDGAR Filing Document

**Accession Number:** 0000837010
**File Stem:** 0000917677-26-000126
**Filing Date:** 2026-3
**Character Count:** 9529
**Document Hash:** 119a9264676a8aa6401303354cc9c7d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000917677-26-000126.hdr.sgml**: 20260326

**ACCESSION NUMBER**: 0000917677-26-000126

**CONFORMED SUBMISSION TYPE**: 485BXT

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260326

**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:** 485BXT
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-278457
- **FILM NUMBER:** 26799057

**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   |
|:---|:---|:---|
| C000271767 | Voya Multi-Rate Annuity |  |

As filed with the Securities and Exchange Registration File No. 333-278457

Commission on March 26, 2026

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM N-4

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933  | [X] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pre-Effective Amendment No. _____ | [ ] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Post-Effective Amendment No. 3 | [X]  |
| and/or | and/or |

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***(**Check appropriate box or boxes.)*

#### Voya Retirement Insurance and Annuity Company
*(Name of Insurance Company)*

One Orange Way<br> Windsor, Connecticut 06095-4774

*(Address of Insurance Company's Principal Executive Offices) (Zip Code)*

1-855-720-0409

*(Insurance Company's Telephone Number, including Area Code)*

Ian Macleod

Counsel

Resolution Life

1475 Dunwoody Drive West Chester, PA 19380

*(Name and Address of Agent for Service)*

Approximate Date of Proposed Public Offering: As soon as practical after the effective date of the Registration

#### It is proposed that this filing will become effective (check appropriate box):

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| | |
|:---|:---|
| | immediately upon filing pursuant to paragraph (b) of Rule 485 |
| X | on April 27, 2026 pursuant to paragraph (b) of Rule 485 |
|  | 60 days after filing pursuant to paragraph (a)(1) |
|  | on _______ pursuant to paragraph (a)(1) of rule 485 under the Securities Act of 1933 ("Securities Act"). |

---

#### If appropriate, check the following box:

<u> X </u> this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

#### Check each box that appropriately characterizes the Registrant:
❑ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

❑ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act"))

❑ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act

❑ Insurance Company relying on Rule 12h-7 under the Exchange Act

❑ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

### EXPLANATORY NOTE

This Post-Effective Amendment No. 3 to the Registration Statement on Form N-4 is being filed pursuant to paragraph (b)(1)(iii) of Rule 485 under the Securities Act of 1933 (the "1933 Act") for the sole purpose of designating a new effective date for the previously filed Post-Effective Amendment No. 1 to the Registration Statement filed on December 9, 2025.

This Post-Effective Amendment No. 3 incorporates by reference the information contained in Parts A, B and C of Post-Effective Amendment 2 to the Registration Statement.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, has duly caused this Post-Effective Amendment to be signed on its behalf by the undersigned, thereunto duly authorized, in the Town of Windsor, State of Connecticut, on the 6<sup>th</sup> day of February 2026.

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| | | |
|:---|:---|:---|
| | VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY | VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY |
|  | *(Insurance Company)* | *(Insurance Company)* |
|  | By: | /s/Amelia J. Vaillancourt |
|  |  | Amelia J. Vaillancourt <br> President <br> (Principal Executive Officer) |
| <br> Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, this registration statement has been signed by the following persons in the capacities and on the dates indicated. <br>Signature Title&nbsp;&nbsp;&nbsp;&nbsp; Date<br> <u>/s/Amelia J. Vaillancourt</u> President and Director February 6, 2026<br> Amelia J. Vaillancourt (Principal Executive Director)<br>Tony D. Oh Senior Vice President and February 6, 2026<br> Chief Accounting Officer<br>/s/William T. Bainbridge Senior Vice President, Chief February 6, 2026<br> William T. Bainbridge Financial Officer and Director<br>Youssef A. Blal Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> <u>/s/Jay S. Kaduson</u> Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> Jay S. Kaduson<br>Curtis J. Heaser Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 <br>Neha Jha Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br>Andrew J. Stocker Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 | <br> Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, this registration statement has been signed by the following persons in the capacities and on the dates indicated. <br>Signature Title&nbsp;&nbsp;&nbsp;&nbsp; Date<br> <u>/s/Amelia J. Vaillancourt</u> President and Director February 6, 2026<br> Amelia J. Vaillancourt (Principal Executive Director)<br>Tony D. Oh Senior Vice President and February 6, 2026<br> Chief Accounting Officer<br>/s/William T. Bainbridge Senior Vice President, Chief February 6, 2026<br> William T. Bainbridge Financial Officer and Director<br>Youssef A. Blal Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> <u>/s/Jay S. Kaduson</u> Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> Jay S. Kaduson<br>Curtis J. Heaser Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 <br>Neha Jha Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br>Andrew J. Stocker Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 | <br> Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, this registration statement has been signed by the following persons in the capacities and on the dates indicated. <br>Signature Title&nbsp;&nbsp;&nbsp;&nbsp; Date<br> <u>/s/Amelia J. Vaillancourt</u> President and Director February 6, 2026<br> Amelia J. Vaillancourt (Principal Executive Director)<br>Tony D. Oh Senior Vice President and February 6, 2026<br> Chief Accounting Officer<br>/s/William T. Bainbridge Senior Vice President, Chief February 6, 2026<br> William T. Bainbridge Financial Officer and Director<br>Youssef A. Blal Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> <u>/s/Jay S. Kaduson</u> Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br> Jay S. Kaduson<br>Curtis J. Heaser Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 <br>Neha Jha Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026<br>Andrew J. Stocker Director&nbsp;&nbsp;&nbsp;&nbsp;February 6, 2026 |
| <br> By: <u>/s/ Ian Macleod</u>  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ian Macleod<br> <sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</sup> <sup>\*</sup>Attorney-in-Fact | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ian Macleod<br> <sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</sup> <sup>\*</sup>Attorney-in-Fact | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ian Macleod<br> <sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</sup> <sup>\*</sup>Attorney-in-Fact |

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