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Voya™ Secure Series
Interest Rates and Features
Effective Date: 11/05/2014
With a variety of interest crediting options, surrender periods and optional benefits, the Voya Secure series of
indexed annuities may help you build your retirement savings. Voya Annuities rates are subject to change at any
time. Changes in market conditions may affect current rates.
Voya Secure Index Seven Annuity
Interest Rate Benchmark
Point to Point
Cap
Performance
Trigger
Monthly
Cap
Monthly
Average
Premium
Cap
Multiplier
Cap
Trigger
Cap
Spread
Fixed Rate
$15,000 - $74,999
10.00%
2.50
3.50%
2.25%
1.30%
5.45%
1.60%
$75,000 +
10.00%
4.00
4.50%
2.75%
1.70%
3.95%
1.60%
Voya Secure Index Five Annuity
Interest Rate
Benchmark
With Return of
Premium Rider2
Point to Point
Cap
Performance
Trigger
Monthly
Cap
Monthly
Average
Premium
Cap
Multiplier
Cap
Trigger
Cap
Spread
Fixed Rate
$15,000-$74,999
10.00%
1.00
1.50%
0.75%
0.50%
7.90%
1.00%
$75,000+
10.00%
2.00
2.00%
1.50%
1.00%
5.90%
1.00%
10.00%
1.75
2.00%
1.25%
0.60%
7.40%
1.15%
10.00%
2.75
2.50%
2.00%
1.10%
5.40%
1.15%
Without Return of $15,000-$74,999
Premium Rider
$75,000+
Voya Secure Index Opportunities Plus Annuity with 5% Premium Bonus1
Interest Rate Benchmark
Point to Point
Cap
Performance
Trigger
Monthly
Cap
Monthly
Average
Premium
Cap
Multiplier
Cap
Trigger
Cap
Spread
Fixed Rate
$15,000 - $74,999
10.00%
1.75
2.00%
1.25%
0.55%
7.95%
1.20%
$75,000 +
10.00%
3.00
2.75%
2.00%
1.10%
5.95%
1.20%
Voya RenewalFLEX Feature* Waiver Rates3
*Available with Voya Secure Index
Five and Voya Secure Index Seven
Annuities. May not be available in
all states.
Voya Secure Index Seven
Voya Secure Index Five
With Return of Premium Rider2
Without Return of Premium Rider
$15,000
Band
$75,000
Band
$15,000 Band
$75,000 Band
Interest Rate Benchmark Strategy
(Multiplier)
0.25
1.00
0.00
0.00
0.75
0.75
Point-to-Point Cap Index Strategy
(Cap Rate)
2.50%
3.50%
0.50%
1.00%
1.00%
1.50%
Performance Trigger Index Strategy
(Trigger Rate)
1.25%
1.75%
0.00%
0.50%
0.50%
1.00%
Monthly Cap Strategy (Cap Rate)
0.80%
1.20%
0.00%
0.50%
0.10%
0.60%
Please see reverse for important footnotes and disclosure.
$15,000 Band
$75,000 Band
Voya Secure Index
Opportunities Plus
Features
Voya Secure Index Seven
Issue Ages
Voya Secure Index Five
0-80 owner and annuitant
Premium
Single Premium; $15,000 minimum
(subject to change without notice);
Premium banding
Flexible Premium; $15,000 minimum (subject to change without notice);
$50 minimum subsequent premium; Premium banding
Interest Rate Guarantee Period
Free Withdrawal Provision
Surrender Charge
(as a % of
accumulation value)
Contract Year
Percentage
Bonus Recapture
Annual Reset (all strategies)
Interest may be withdrawn from the
Fixed Rate Strategy in the first year;
10% of the accumulation value each
contract after the first without an MVA,
surrender charge or bonus recapture
1
2
3
4
Interest may be withdrawn from the Fixed Rate Strategy in the first year;
10% of the accumulation value each contract after the first without a
surrender charge
5
6
7
8
9 10 11+
1
2
3
4
5
6
7
8+
1
2
3
4
5
6+
10 10 10 10 9
8
7
6
5
10
10
10
10
9
8
7
0
8
7.5
6.5
5.5
4.5
0
4
0
The bonus recapture is a percentage of
N/A
the accumulation value surrendered that is
associated with the bonus upon withdrawal
and declines over time as follows.
Contract Year
Percentage
1
2
3
4
5
6
7
8
N/A
9 10 11+
100100 80 80 60 60 40 40 20 20 0
Optional Benefits
Voya Income Protector Withdrawal Benefit
(Optional living benefit available for
an additional cost)
Death Benefit
• Voya Income Protector Withdrawal Benefit
• Return of Premium Rider
Greater of the accumulation value or minimum guaranteed contract value
RenewalFLEX Feature
No
Yes
Minimum Guaranteed
Contract Value
87.5% of the single premium less
withdrawals and premium taxes, if
applicable, accumulated at the applicable
minimum guaranteed strategy value
rate for the first ten contract years then
redetermined annually.
87.5% of the all premiums less
withdrawals and premium taxes,
if applicable, accumulated at the
applicable minimum guaranteed strategy
value rate for the first seven contract
years then redetermined annually.
Nursing Home/
Terminal Illness Waiver
Surrender charges will be waived if the owner is confined to a qualified nursing home for at least 45 days during any
continuous 60 day period or is diagnosed with a terminal illness (life expectancy of 12 months or less) anytime on or after the
first contract anniversary. Not available in all states.
Product features may vary by state.
87.5% of the all premiums less
withdrawals and premium taxes,
if applicable, accumulated at the
applicable minimum guaranteed strategy
value rate for the first nine contract years
then redetermined annually.
To learn more about the Voya Secure Series of Index Annuities, contact your Financial Professional.
Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency
Product features may vary by state.
1
Products offering a bonus may offer lower credited interest rates, index caps, monthly caps, participation rate, index spread trigger rates, and/or participation multipliers than
products not offering a bonus. Over time, and under certain circumstances, the amount of the bonus may be more than offset by the lower credited interest rates, index caps,
monthly caps, participation rate, index spread trigger rates, and/or multipliers. Interest rates, participation rate, index spread trigger rates, index caps, monthly caps, and
participation multipliers are subject to change.
2
Return of Premium Rider (IU-RA-3058) offers lower interest crediting potential in return for enhanced guarantees
3
If a renewal rate for an eligible indexed rate strategy doesn’t meet a minimum waiver rate set at the time of premium election, you will have the opportunity to withdraw – without
surrender charges – all or part of your accumulation value associated with a given premium and index strategy combination. Exercising the Voya RenewalFLEX Feature must
occur during the 30-day window beginning on the indexing period anniversary. An index strategy does not include the Fixed Rate Strategy or Monthly Average Index Strategy.
All guarantees are based on the financial strength and claims paying ability of Voya Insurance and Annuity Company (Des Moines, IA), who is solely responsible for all obligations
under its policies. Rates are subject to change without notice. Annuities are long-term investments designed for retirement planning. They are a contract between your client and
an insurance company, under which the insurer agrees to make periodic payments to your client.
Contracts issued by Voya Insurance and Annuity Company (Des Moines, IA). Contract Form Series: IU-IA-3050 (07/12), IU-IA-3034 (07/12), IU-IA-3033 (07/12), IU-RA-3058,
IU-IU-IURA-3139. Interest rates, trigger rates, index caps, monthly caps, and multipliers and index subject to change. Products and features not available in all states. IRAs and
other qualified plans already provide tax-deferral like that provided by an annuity. Additional features and benefits such as contract guarantees, death benefits and the ability
to receive a lifetime income are contained within the annuity for a cost. Please be sure the features and costs of the annuity are right for you when considering the purchase of
the annuity. Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59½, an additional 10% Federal penalty tax. Neither the company nor its agents or
representatives can provide tax, legal or accounting advice.
Effective July 1, 2014 the 30-calendar day rate lock period (14-calendar days for Single Premium Immediate Annuity) for any contract begins the day its application is received
unless: (i) an application signed prior to the effective date of a rate change is received on or after the aforementioned effective date; and (ii) said application is received by close
of business no more than seven days after the aforementioned effective period begins. In this case, the 30-calendar day rate lock period begins on the effective date of the rate
change. This is effective for any application received after July 1, 2014.
©2014 Voya Services Company. All rights reserved. CN0122-15014-0117
169041 09/30/2014
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