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    VOYA Insurance and Annuity Company (ING)


    Voya SPIA

       (RETIRED)

    A SPIA
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Fitch:  A   Moody's:  A2   Standard & Poor's:  A  



    Premium Bonus
    - none -

    Policy Notes

    There are several advantages to choosing a Single Premium Immediate Annuity. You have the ability to convert rollovers and qualified plan payouts into a guaranteed income source fo --[ subscription required to view full text ]--
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    ****** *******:
    **** ****** * **** ******* ** ****** ******* ** **** ** * ****** ** *******, *********, **********, ** ****** ******* *********.

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    • **** ****** **** *********** ******
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    **** ******** ********** *** *** ** **** ** **** ***** **** ** ******* ****.

    • ********** ******:
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    • ********** *** **** *********:
      **** *** *********** ** *** **** ****** ****** ******, ***** ****** ******** **** *****, *** ***** ****** ******* ****** *** ** ****** * *********** ** ******* *** ********* ******** ***. *** ***** ************* **** *********** ***** ********* *** ********* ********, ******** ******** *** ****** *** ******** ********* ********** **** ******* ***********.
    ***** ******* **********
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    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****

    Payout Options
    Life Options
    Life Only for: Single Only
    Installment Refund: Yes
    Cash Refund: Yes
    Survivor Benefit: 50% 60% 66.6% 75% 100%
    Period Certain Options
    Period Certain Terms: 5 to 30 Years
    Survivor Benefit: 50%  60%  66.6%  75%  100% 
    Life Plus Period Certain
    Life plus Certain: Not Available
    Life +Certain Terms: 5 to 20 Years

    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    Commissions
    Effective date of commission schedule: 11/15/2017
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    GENERAL PROVISIONS AFFECTING COMMISSIONS:
    1. Payment of commission is subject to the provisions of the Agent’s/Broker’s Contract and the rules of the Companies as amended from time to time.
    2. Unless otherwise identified, commissions are payable on each contract on which premium has been applied, issued and is in force.
    3. Commission reduction may apply to special interest rate offerings.
    4. For trail commissions percentage noted is an annual percentage paid quar --[ subscription required to view full text ]--
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    ******** ***********:
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    Related Information

    Available Subscriptions

    This information is available with any of these subscriptions:

    Single-User Edition

    An affordable, full access subscription, for the individual broker

    Office Edition

    Multiple users with administrative control over the products, features and content displayed

    Web Edition

    Put our product grids, detail and tools on your website instantly!

    Web Edition -Retailers

    A special edition for retailers, just the right amount of information for the consumer, plus the ability collect and manage leads.

    Additional Information

    See what else we offer:

    Upcoming Rate Changes

    We track rate changes and can notify you before they take effect!

    Annuity Illustrations

    The illustration system carriers prefer

    Rider Comparisons

    Compare multiple income riders, side-by-side

    Product Videos

    Access the Brainshark training videos right from our product lists


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