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Voya's® 2016 separate account annual reports are now available. These separate accounts support the operations of Voya's variable annuity contracts. Each report contains the audited financial statements for these separate accounts, which include the assets and liabilities, statements of operations, and the statements of changes in net assets.

Voya Retirement Insurance and Annuity Company Variable Annuity Acct B*

Voya Retirement Insurance and Annuity Company Variable Annuity Acct C*

Voya Retirement Insurance and Annuity Company Variable Annuity Acct I*

ReliaStar Life Insurance Company Separate Acct N*

*You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options carefully before investing. The prospectuses contain this and other information, can be obtained by contacting your local representative. Please read the information carefully before investing.

Voya Retirement Insurance and Annuity Company Separate Acct D**

Voya Retirement Insurance and Annuity Company Variable Annuity Acct F**

**You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options carefully before investing. Fund prospectuses and/or an information booklet containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.  

Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company, ("VRIAC "), One Orange Way, Windsor CT 06095-4774 or ReliaStar Life Insurance Company, "ReliaStar", 20 Washington Avenue South, Minneapolis, MN 55401. Fixed annuities are issued by VRIAC or Reliastar. VRIAC or ReliaStar is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC ("VIPS "). Neither VRIAC, ReliaStar nor VIPS engage in the sale or solicitation of securities. Securities are distributed by Voya Financial Partners, LLC (member SIPC), Directed Services, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. All companies are members of the Voya family of companies. All products or services may not be available in all states.