Voya Retirement Insurance and Annuity Company is an insurance company based in Atlanta, Georgia. Established in 1976, the company provides life, health, and accident insurance services to individual and institutional customers in the United States. The company operates as a stock life insurance company and offers annuity contracts for deferred compensation, individuals and employer-sponsored retirement plans. Voya Retirement Insurance and Annuity Company is a subsidiary of Voya Financial. The assets of the company are managed and governed by the board of directors.