Earn more on your money with a guaranteed, competitive, fixed interest rate, while you defer paying taxes until you take a withdrawal. 

Key Features

  • Competitive guaranteed interest rate1
  • Tax-deferred growth – you don’t pay income tax unless you take a withdrawal2
  • No IRS contribution limits on a deferred annuity
  • Can turn your contract into a series of income payments                      


Voya Guarantee Choice Annuity is issued by Voya Insurance and Annuity Company (Des Moines, IA), member of the Voya® family of companies.  Contract Form Series:  IU-IA-3036, may vary by state and may not be available in all states.

Voya Select Rate Annuity is issued by Voya Retirement Insurance and Annuity Company (Windsor, CT) and distributed by Directed Services LLC. Both companies are members of the Voya® family of companies. Contract Form Series: IU-IA-3096, varies by state and may not be available in all states.

1All guarantees are based on the financial strength and claims paying ability of Voya Insurance and Annuity Company and Voya Retirement Insurance and Annuity Company, who are solely responsible for all obligations under its polices

2Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59½, an additional 10% Federal penalty tax. 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.