Be better prepared for retirement by building your savings with Voya Wealth Builder Plus Annuity. You’ll benefit from potential tax-deferred growth and a dynamic combination of interest-crediting strategies, downside protection and an indexed withdrawal benefit that can provide guaranteed income for life. Voya Wealth Builder Plus Annuity aims to help you make the most of the money you are saving for retirement by helping you grow it while you protect it.

Key Features

  • Flexible premium deferred fixed annuity
  • Link your earning to the performance of an equity index, an interest rate benchmark or to a guaranteed fixed interest rate (subject to rates and caps)
  • Protect your account from loss of principal and interest credited—interest earned will never be less than zero
  • Pay no current income tax on interest earned unless you take a withdrawal
  • Grow an indexed withdrawal benefit base that can provide guaranteed income for life
  • Income stream that turns on/off when needed
  • Issued by Voya Insurance and Annuity Company

Suitable For

  • You’re not retired yet and still need to build your retirement savings
  • You’re getting closer to retirement and can’t afford to take a loss
  • You want a guaranteed income stream that lasts for life
  • “Risk” is a four-letter word: you want guaranteed protection for your savings1


Issue Ages


  • Flexible
  • $15,000 minimum initial premium (subject to change without notice)
  • No minimum premium per interest crediting strategy
  • Additional premium payments are credited with their own Interest Rate, Index Cap, Trigger Rate and Interest Rate Benchmark for their own indexing period. For each premium, interest is credited based on the new money rate in effect at the time the premium is received and is guaranteed for one year.

Fees & Charges

Minimum Guaranteed Withdrawal Charge Rate

This charge is deducted each quarter and is calculated using an annual percentage rate of the Minimum Guaranteed Withdrawal Benefit Base.

Surrender Charge

Beginning in the second contract year through contract year eight, 5% charge free partial surrenders are available. After the eighth year of the contract you may complete a partial or full surrender free of surrender charges and Market Value Adjustment.

Contract Year 1 2 3 4 5 6 7 8 9+
Percentage 10 10 10 10 9 8 7 6 0
  • Charges may vary by state.
  • The Terminal Illness/Nursing Home Waiver guarantee your access to the accumulation value of your annuity, with no surrender charges, if you become hospitalized or confined to an eligible nursing home for at least 45 days during any continuous 60-day period or diagnosed with a terminal illness (life expectancy 12 months or less) on or after the first contract anniversary. MVA still applies. This feature may not be available in all states.

Additional Details

1Guarantees are based on the claims-paying ability of Voya Insurance and Annuity Company (VIAC). Contract is issued by Voya Insurance and Annuity Company (VIAC).

This is a summary only. Read the contract for complete details. The product and its features may not be available in all states and are subject to change. Withdrawals 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.

The contract does not directly participate in any stock or equity products. For premium elected to the index or benchmark strategies, no amount is credited in the current contract year if the contract is annuitized, surrendered or re-elected prior to the end of the contract year. The interest rate, index cap, monthly cap, participation rate, index spread, trigger rate, participation multiplier and credit caps are set at the beginning of the period, are guaranteed for the first period and may change for future periods.

Next Steps

Additional Resources

Contract Form Series IU-IA-3128 with contract schedule IU-IA-3128(8SC)-A and Minimum Guaranteed Withdrawal Benefit Riders: ICC14 VI-RA-3141, ICC14 VI-RA-3142, VI-RA-3141, VIRA-3142. May vary by state and may not be available in all states.

Neither Voya nor its affiliated companies provide tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.