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Voya Lifetime Income Protection Portfolio 2045 – …

18 (10/18) CN0110-39439-0220 Program Summary The voya Lifetime Income Protection Program (the Program ) is a target date asset allocation program offered through defined contribution retirement plans ( Plans ) that are qualified under Section 401(a) of the Internal Revenue Code of 1986 (the Code ) or that constitute eligible deferred compensation plans under Section 457(b) of the Code. The Program provides various target date asset allocation models or portfolios, each of which includes a Glide Path through which amounts are automatically allocated between the following investments: --- Target date collective trust funds (the Funds ), which we refer to as the Non-Guaranteed portion of the Portfolio ; and --- Multiple group variable annuity contracts (the Contracts ), each issued by a different insurer, which we refer to as the Guaranteed portion of the Portfolio .

13.2853-218(7/18) CN0110-39439-0220 Program Summary . The Voya Lifetime Income Protection Program (the “Program”) is a target date …

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