ABOUT VOYA FINANCIAL

Voya Financial, Inc. (NYSE: VOYA), is composed of premier retirement, investment and insurance companies serving the financial needs of approximately 13 million individual and institutional customers in the United States. The company’s vision is to be America’s Retirement Company™ and its guiding principle is centered on solving the most daunting financial challenge facing Americans today — retirement readiness.
Working directly with clients and through a broad group of financial intermediaries, independent producers, affiliated advisors and dedicated sales specialists, Voya provides a comprehensive portfolio of asset accumulation, asset protection and asset distribution products and services. With a dedicated workforce of approximately 6,500 employees, Voya is grounded in a clear mission to make a secure financial future possible — one person, one family, one institution at a time.

Voya Financial BusinessesThrough its Retirement Solutions, Investment Management and Insurance Solutions businesses, Voya has access to 13 million customers through approximately 225,000 points of distribution with $524 billion in total AUM and AUA as of 12/31/14.

Retirement Solutions is a leading provider of retirement products and services in the U.S. with approximately $355 billion in assets under management and administration as of 12/31/14, and serving approximately 47,000 institutional clients, more than 5 million individual retirement plan investors, approximately 2,300 financial advisors and their clients, and over 417,000 retail fixed annuity product customers. The business is focused on guiding Americans to greater retirement readiness through employer-sponsored savings plans, retail fixed annuities and holistic retirement and income guidance. Retail products are distributed through two primary channels: 1) Investor Channel — a dedicated team of financial professionals who provide phone-based guidance; and 2) Voya Financial Advisors — a top-tier, independent broker/dealer that supports a wide range of clients offering education, financial planning and a broad range of personalized asset accumulation, protection and distribution solutions.

Investment Management is a leading, active asset management firm with $206 billion of assets under management as of 12/31/14 for both affiliated and external institutions as well as for individual investors. Drawing on 40 years of history in investment management, the firm has the experience and resources to provide clients with investment solutions with an emphasis on equities, fixed income, and multi-asset income strategies.

Insurance Solutions is a top-tier provider of term life insurance and top-10 provider of medical stop-loss coverage in the U.S. The business comprises two segments: 1) Individual Life — with over $2 billion in gross premiums as of 12/31/14 — provides wealth protection and transfer opportunities through universal, variable and term products; and 2) Employee Benefits provides stop-loss, group life, voluntary employee-paid and disability products to large businesses covering 4.4 million individuals.

Details on financial ratings can be found on Voya Financial’s Investor Relations site.

Awards and Recognition

Named a 2015 World’s Most Ethical Companies® by Ethisphere Institute
Named as one of the Best Places to Work for LGBT Equality for ten consecutive years in 2015 in the Human Rights Campaign Foundation annual Corporate Equality Index
A top-five retirement plan provider based on number of plans, participants and assets1
A full-service asset manager with 100% of fixed income assets and 41% of equity assets outperforming their benchmarks on a 5-year basis2
A top-tier independent broker-dealer network in the U.S.3
A top-tier provider of life insurance4
A top-10 medical stop-loss coverage provider in the U.S.5
1 Pensions & Investments Defined Contribution Record Keepers Survey, March 2014 (based on data as of 9/30/2013)
2 As of 3/31/2014
3 InvestmentNews BD Data Center
4 LIMRA U.S. Individual Life Insurance Sales in the U.S. 12/31/2013
5 MyHealthGuide newsletter rankings as of 2/11/2014; does not include most managed healthcare providers

PRODUCT OFFERINGS

What is life insurance? Life insurance can provide financial protection for your loved ones when you pass away and be an important part of your overall financial strategy. The Voya Life Companies offer all types of customizable policies with tax benefits to help you protect your financial future, provide for your loved ones and possibly even add to your retirement income.
Why have life insurance How to chooseThe kind of life insurance you may want depends on where you are in life, how long you want the coverage, and whether you want to use life insurance to help build money (called cash value) inside of your policy tax-free. That’s money you could possibly borrow1 during your lifetime. Whether term or cash value life insurance, the right choice for you depends on your overall financial strategy.

Compare Life Insurance Types Why Voya? The Voya Life Companies are highly rated by commercial rating agencies for financial strength and their ability to meet claims and guarantees.

Learn more about our ratings
Our current offerings are listed below. Since there are many different types of life insurance products available, contact your Fidelity Life agent today to help you choose the right life insurance policy to fit your needs.

LifeStory Term: This unique patent-pending product provides guaranteed level term periods of 10, 15, 20 or 30 years in benefit amounts up to $1,000,000, depending on age. Coverage is available for people ages 18 to 65 years.
Hybrid Life: Competitively priced high face-amount coverage available with a convenient 24 to 48 hour approval process. Your initial coverage is a blend of all cause and accidental death life insurance. With medical underwriting following policy issuance, you may enhance this blend by increasing your all cause coverage component and eliminating or reducing your accident only limitation. You may defer the medical exam for up to six months or choose to not undergo medical underwriting at all and keep your blended policy in force as issued. Please call 1-888-440-1554.
Rapid Decision Express: Fast, hassle-free level death benefit term life insurance product to age 95.With our Rapid Decision Express product and our state-of-the-art Rapid App application, the approval and delivery process has been streamlined to allow you to obtain coverage from Fidelity Life in days, not months.
Rapid Decision Senior Life Term and Whole Life: Flexible options for coverage up to $150,000 designed to fit the needs of individuals ages 50 to 85.
Rapid Decision Final Expense: Provides protection for individuals ages 50-85 that can help lessen the burden of covering one’s final expenses. Approvals are based on health questions; and there is no medical exam required. Permanent whole life coverage is available up to $35,000.
Rapid Decision Guaranteed Issue: Provides protection for individuals ages 50-85 that can help lessen the burden of covering one’s final expenses. Acceptance does not require answering any medical questions. Permanent whole life coverage is available up to $20,000. Death benefit is full coverage amount after a 3 year reduced benefit period.
Accidental Death Benefit: For as little as $10 a month, you can have the coverage you need to protect your family and investments with our Accidental Death Benefit insurance.