Post-Effective Amendment to Registration Statement by Investment Company - Form 485BPOS

As filed with the Securities and Exchange	Registration No. 333-56297
Commission on May 1, 202 4	Registration No. 811-02512

It is proposed that this filing will become effective (check appropriate box):
	[ ]		immediately upon filing pursuant to paragraph (b)
	[X ]		on May 1, 202 4 , pursuant to paragraph (b)
	[]		60 days after filing pursuant to paragraph (a)(1)
	[ ]		on ____________, pursuant to paragraph (a)(1) of Rule 485 under the Securities Act.

[ ]

this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY Variable Annuity Account B VOYA VARIABLE ANNUITY CONTRACT PROSPECTUS - MAY 1, 202 4

If using the U.S. Postal Service:	If using express mail:
Customer Service	Customer Service
P.O. Box 9271	699 Walnut Street
Des Moines, IA 50306-9271	Des Moines, IA 50309-3942

FEES AND EXPENSES	Location in Prospectus
Charges for Early Withdrawals	The early withdrawal charges applicable to your contract depend on the type of contract that you own. •For Contracts Issued Outside of the State of New York - oContracts Issued Outside of New York (except Roth IRA Contracts Issued Before Sept. 20, 2000): If you withdraw money from your contract within 7 years following your last purchase payment, you may be assessed an early withdrawal charge of up to 7% (as a percentage of purchase payments withdrawn), declining to 0% over that time period. oRoth IRA Contracts Issued Outside of New York Before Sept. 20, 2000: If you withdraw money from your contract within 5 account years, you may be assessed an early withdrawal charge of up to 5% (as a percentage of purchase payments withdrawn), declining to 0% over that time period. •For All Contracts Issued in the State of New York: If you withdraw money from your contract within 7 years following your last purchase payment, you may be assessed an early withdrawal charge of up to 7% (as a percentage of purchase payments withdrawn), declining to 0% over that time period. For example, if you invest $100,000 in the contract and make an early withdrawal, you could be assessed an early withdrawal charge of up to $7,000 if the maximum early withdrawal charge is 7% or up to $5,000 if the maximum early withdrawal charge is 5%.	Fee Table p.8 Fees - Transaction Fees - Early Withdrawal Charge
Transaction Charges	In addition to early withdrawal charges, you may also be charged for other transactions. •We reserve the right to charge $10 for each transfer between investment options after the first 12 transfers during an account year. We do not currently impose this charge. •We charge up to $20.00 for each overnight delivery withdrawal request. •Premium taxes may apply to purchase payments.	Fee Table p.8 Fees - Transaction Fees
Ongoing Fees and Expenses (annual charges)	The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.	Fee Table p.8 Fees - Periodic Fees and Charges Appendix III- Funds Available Under The Contract
	Annual Fee	Minimum	Maximum
	Base contract1	0.80%	0.80%
	Investment options2 (fund fees and expenses)	0. 34 %	1. 44 %
	Optional benefits available for an additional charge1 (for a single optional benefit, if elected)	0.20%	0.50%
1As a percentage of amounts invested in the subaccounts, as well as an amount attributable to the annual maintenance fee. 2As a percentage of fund net assets. Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add early withdrawal charges that substantially increase costs.

		Lowest Annual Cost: $268.48	Highest Annual Cost: $590.19
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive fund fees and expenses •No optional benefits •No surrender charges •No premium bonuses •No additional purchase payments, transfers or withdrawals	Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and fund fees and expenses •No surrender charges •No premium bonuses •No additional purchase payments, transfers or withdrawals
RISKS	Location in Prospectus
Risk of Loss	You can lose money by investing in this contract, including loss of your principal investment.	Principal Risks of Investing in the Contract p.11
Not a Short-Term Investment	•This contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. •The contract's tax deferral and long-term income features are generally more beneficial to investors with a long time horizon. •Early withdrawal charges under the contract may be significant. •Withdrawals may be subject to income taxes, including a 10% federal penalty tax if taken before age 59½.
Risks Associated with Investment Options	An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the contract (e.g., the variable investment options). Each investment option (including each fixed interest option) has its own unique risks. You should review the investment options before making an investment decision.
Insurance Company Risks	An investment in the contract is subject to the risks related to us. Any obligations (including under the fixed interest options), guarantees and benefits of the contract are subject to our claims-paying ability. More information about us, including our financial strength ratings, is available upon request by contacting Customer Service at 1-800-366-0066.
RESTRICTIONS	Location in Prospectus
Investments	•Certain investment options may not be available under your contract. •During the accumulation phase, we reserve the right to charge you for each transfer between investment options after your first 12 transfers during an account year. During the income phase, if you select a variable payment option, we allow you four free transfers each account year. •Automatic rebalancing transactions do not count against your free transfers. •Transfers involving the variable investment options are subject to restrictions designed to prevent frequent or disruptive trading. •The fixed interest options are subject to special restrictions - oThe Fixed Account may be subject to special transfer restrictions that significantly limit your ability to make transfers from the Fixed Account. Transfers into the Fixed Account from any other investment option are not allowed. oThe Guaranteed Account is subject to a market value adjustment (MVA) if your account value is withdrawn or transferred before the end of the guaranteed term. The MVA may be positive or negative. You should review the separate prospectus for the Guaranteed Account. •We reserve the right to remove or substitute funds as investment options.	Investment Options p.17 Transfers Among Investment Options p.20 Appendix I - Voya Guaranteed Account Appendix II - Fixed Account Appendix III- Funds Available Under The Contract

Optional Benefits	•Additional restrictions and limitations may apply under an optional benefit that you have elected. •Withdrawals may affect the availability of an optional benefit by reducing the benefit by an amount greater than the value withdrawn and could terminate the benefit. •Premium bonuses may be forfeited under certain circumstances, including if you make a withdrawal during the early withdrawal charge period applicable to your initial purchase payment. •Premium bonuses may not be included in the death benefit, including the standard death benefit.	Premium Bonus Option p.16 Benefits Available Under the Contract p.23 Transfers Between Option Packages p.27 Death Benefit p.35
TAXES	Location in Prospectus
Tax Implications	•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchased the contract through a tax-qualified plan or individual retirement account, there is no additional tax benefit under the contract. •Any gain under your contract may be taxed at ordinary income rates when withdrawn. You may be subject to a 10% federal penalty tax if you take a withdrawal before age 59½.	Federal Tax Considerations p.45
CONFLICTS OF INTEREST	Location in Prospectus
Investment Professional Compensation	Your investment professional may receive compensation for selling the contract to you in the form of commissions, additional cash compensation (e.g., bonuses) and non-cash compensation. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less.	Other Topics - Contract Distribution p.57
Exchanges	Some investment professionals may have a financial incentive to offer you a new variable annuity contract in place of the one you already own. You should only exchange your current variable annuity contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.

	Option Package I	Option Package II	Option Package III
Additional Charge?	No (least expensive option)	Yes	Yes (most expensive option)
Death Benefit (Upon Death of Annuitant)	The greater of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date; or •The "step-up value" on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date; or •The "step-up value" on the claim date; or •The "roll-up value" on the claim date.
Free Withdrawals ‒ Waiver of Early Withdrawal Charge	10% of your account value each account year, non-cumulative.	10% of your account value each account year, non-cumulative.	10% of your account value each account year, cumulative to a maximum of 30%.
Nursing Home Waiver ‒ Waiver of Early Withdrawal Charge	Not Available	Available	Available

Deferred Sales Load (Early Withdrawal Charge) (as a percentage of purchase payments withdrawn) Contracts Issued Outside of New York (except Roth IRA Contracts Issued Before Sept. 20, 2000)7%1 Roth IRA Contracts Issued Outside of New York Before Sept. 20, 20005%2 All Contracts Issued in New York7%3 Exchange Fee (Transfer Charge)$10.004 (per transfer, after the first 12 transfers per account year) Overnight Charge$20.00

Contracts Issued Outside of New York (except Roth IRA Contracts Issued Before Sept. 20, 2000)
Years from Receipt of Purchase Payment	Early Withdrawal Charge
Less than 2 2 or more but less than 4 4 or more but less than 5 5 or more but less than 6 6 or more but less than 7 7 or more	7% 6% 5% 4% 3% 0%

Roth IRA Contracts Issued Outside of New York Before Sept. 20, 2000
Completed Account Years	Early Withdrawal Charge
Less than 1 1 or more but less than 2 2 or more but less than 3 3 or more but less than 4 4 or more but less than 5 5 or more	5% 4% 3% 2% 1% 0%

All Contracts Issued in New York
Years from Receipt of Purchase Payment	Early Withdrawal Charge
Less than 1 1 or more but less than 2 2 or more but less than 3 3 or more but less than 4 4 or more but less than 5 5 or more but less than 6 6 or more but less than 7 7 or more	7% 6% 5% 4% 3% 2% 1% 0%

Administrative Expenses (Annual Maintenance Fee)$30.001 Base Contract Expenses (Option Package I)0.95%2, 3 (as a percentage of amounts invested in the subaccounts) Optional Benefit Expenses (as a percentage of amounts invested in the subaccounts) Option Package II0.30%3 Option Package III0.45%3 Premium Bonus Option0.50%4

	Minimum	Maximum
(expenses that are deducted from fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0. 34 %	1. 44 %

1 year	3 years	5 years	10 years
$1,038	$1,531	$2,047	$3,473

(2)

If you annuitize your contract at the end of the applicable time period or do not surrender your Contract:

1 year	3 years	5 years	10 years
$338	$1,031	$1,747	$3,473

1 year	3 years	5 years	10 years
$38	$1,331	$1,847	$3,473

(2)

If you annuitize your contract at the end of the applicable time period or do not surrender your Contract:

1 year	3 years	5 years	10 years
$338	$1,031	$1,747	$3,473

1 year	3 years	5 years	10 years
$1,038	$1,531	$2,047	$3,473

(2)

If you annuitize your contract at the end of the applicable time period or do not surrender your Contract:

1 year	3 years	5 years	10 years
$338	$1,031	$1,747	$3,473

•

Individual Contracts. In some states, where group contracts are not available, you may purchase the contract directly from us by completing an application and delivering it and your initial purchase payment to us. Upon our approval we will issue you a contract and set up an account for you under the contract.

•

Group Contracts. In most states we have distributors, usually broker-dealers or banks, who hold the contract as a group contract (see "OTHER TOPICS - Contract Distribution"). You may purchase an interest (or, in other words, participate) in the group contract by contacting a distributor and completing an application and delivering it with your initial purchase payment to that distributor. Upon our approval, we will set up an account for you under the group contract and issue you a certificate showing your rights under the contract.

•

Joint Contracts (generally spouses). For a nonqualified contract, you may participate in a group contract as a joint contract holder. References to "contract holder" or "contract owner" in this prospectus mean both contract holders under joint contracts. Tax law prohibits the purchase of qualified contracts by joint contract holders.

•	Individual Contracts. You have all contract rights.

•	Group Contracts. The holder of the group contract has title to the contract and, generally, only the right to accept or reject any modifications to the contract. You have all other rights to your account under the contract.

•

Joint Contracts. Joint contract holders have equal rights under the contract with respect to their account. All rights under the contract must be exercised by both joint contract holders with the exception of transfers among investment options. See the "DEATH BENEFIT" section at p.35 for the rights of the surviving joint contract holder upon the death of a joint contract holder prior to the income phase start date.

•	One lump sum;

•	Periodic payments; or

•	Transfer or rollover from a pre-existing retirement plan or account.

	Option Package I	Option Package II	Option Package III
Minimum Initial Purchase Payment	Non-Qualified:	Qualified:*	Non-Qualified:	Qualified:*	Non-Qualified:	Qualified:*
$15,000	$1,500	$5,000	$1,500	$5,000	$1,500

•	The size and type of the prospective group, if any, to which the reduction would apply;

•	The method and frequency of purchase payments to be made under the contract; and

•	The amount of compensation to be paid to distributors and their registered representative on each purchase payment.

•	If you exercise your free look privilege and cancel your contract. See "RIGHT TO CANCEL", p.15.

•	If a death benefit is payable based on account value, step-up value or roll-up value, but only the amount of any premium bonus credited to the account after or within 12 months of the date of death. See "DEATH BENEFIT", p.35.

•

If all or part of a purchase payment for which a premium bonus was credited is withdrawn during the first seven account years. The amount of the premium bonus forfeited will be in the same percentage as the amount withdrawn subject to an early withdrawal charge is to the total purchase payments made during the first account year. See "WITHDRAWALS", p.33.

Date	Purchase Payment	Premium Bonus	Account Value	Withdrawal Amount	Explanation
May 2, 2008	$100,000	$4,000	$104,000	-	You make a $100,000 initial purchase payment and we credit your account with a 4% ($4,000) premium bonus. Your beginning account value equals $104,000.
May 2, 2011	-	-	$120,000	$30,000	Assume that your account value grows to $120,000 over the next three years and you request a $30,000 withdrawal. $18,000 of that $30,000 will be subject to an early withdrawal charge ($30,000 minus $12,000 (the 10% free withdrawal amount, see "FEES - Transaction Fees - Free Withdrawals")) and you would pay a $1,080 early withdrawal charge (6% of $18,000). Additionally, because $18,000 is 18% of the $100,000 purchase payment made in the first account year, 18% of your $4,000 premium bonus, or $720, would be forfeited.*

STANDARD BENEFITS
Name of Benefit	Purpose	Base Fee	Brief Description of Restrictions / Limitations
Option Package I	Option Package that includes the standard death benefit and the standard free withdrawal right.	•0.80% (as a percentage of amounts invested in the subaccounts)1	•Nursing Home Waiver is not available. •Cumulative free withdrawals are not available. •"Step-up value" and "roll-up value" death benefit are not available. •Only one Option Package may be elected at any time. •Transfers between Option Packages must occur on an account anniversary. We must receive request within 60 days beforehand.
Option Package I - Death Benefit	Provides a death benefit equal to the greater of •The sum of all purchase payments, as adjusted for partial withdrawals and partial annuitizations; or •The account value.	•Included without additional charge in Option Package I.	•Withdrawals and partial annuitizations will reduce the value of the death benefit. Such reductions may be greater than the amount partially withdrawn or annuitized. •Premium bonuses may not be included in the death benefit because they are not considered to be purchase payments.
Option Package I - Free Withdrawals (Non-Cumulative)	Allows 10% of your account value each account year to be withdrawn without early withdrawal charges.	•Included without additional charge in Option Package I.	•Unused free withdrawals during an account year do not carry forward to future account years. •Withdrawals may have tax consequences, including tax penalties if taken before age 59½.
Account Rebalancing Program	Allows you to automatically reallocate your account value to match the investment allocations you originally selected.	•Included without additional charge in Option Package I.	•Only account value invested in the subaccounts may be automatically rebalanced. •Account value may be automatically rebalanced annually (or more frequently as we allow). •Program transfers do not count against free transfers that may be made each account year without charge.
Systematic Distribution Options	Allows you to receive regular payments from your contract without moving into the income phase and free of early withdrawal charges.	•Included without additional charge in Option Package I.	•At least three options may be available: (a) Systematic Withdrawal Option; (b) Estate Conservation Option/Recurring RMD Payment; (c) Life Expectancy Option. •Annual withdrawals under this program are limited to the annual free withdrawal amount under the applicable Option Package. •Withdrawals may have tax consequences, including tax penalties if taken before age 59½.

OPTIONAL BENEFITS
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
Option Package II	Option Package that includes an enhanced death benefit, the standard free withdrawal right and the Nursing Home Waiver.	0.30% (as a percentage of amounts invested in the subaccounts)1	•Cumulative free withdrawals are not available. •"Roll-up value" death benefit is not available. •Only one Option Package may be elected at any time. •Transferring from Option Package II to Option Package I will terminate benefits exclusive to Option Package II. •Transfers between Option Packages must occur on an account anniversary. We must receive request within 60 days beforehand.
Option Package II - Death Benefit	The greatest of: •The sum of all purchase payments, as adjusted for partial withdrawals and partial annuitizations; or •The account value; or •The "step-up value."	Included in additional charge for Option Package II.	•Withdrawals and partial annuitizations will reduce the value of the death benefit. Such reductions may be greater than the amount partially withdrawn or annuitized. •No annual step-ups after the anniversary immediately preceding the annuitant's 85th birthday. •Bonus amounts may not be included in the death benefit because they are not considered to be purchase payments.
Option Package II - Free Withdrawals (Non-Cumulative)	Allows 10% of your account value each account year to be withdrawn without early withdrawal charges.	Included in additional charge for Option Package II.	•Same free withdrawal right as Option Package I. •Unused free withdrawals during an account year do not carry forward to future account years. •Withdrawals may have tax consequences, including tax penalties if taken before age 59½.
Option Package II - Nursing Home Waiver	Allows you to withdraw all or a portion of your account value without an early withdrawal charge if the annuitant is confined to a licensed nursing care facility.	Included in additional charge for Option Package II.	•Cannot be exercised until one account year has elapsed since the benefit's effective date. •Cannot be exercised if the annuitant was in a nursing home during the two week period immediately preceding or following the benefit's effective date. •Must spend at least 45 consecutive days in a nursing home. •Withdrawal subject to the waiver must be requested no more than three years after admission to a nursing home. •State variations apply. •Withdrawals may have tax consequences, including tax penalties if taken before age 59½. •Waiver not available in New York (same as Option Package I).
Option Package III	Option Package that includes an enhanced death benefit, an enhanced free withdrawal right, and the Nursing Home Waiver.	0.45% (as a percentage of amounts invested in the subaccounts)1	•Only one Option Package may be elected at any time. •Transferring from Option Package III to Option Package I or II will terminate benefits exclusive to Option Package III. •Transfers between Option Packages must occur on an account anniversary. We must receive request within 60 days beforehand.
Option Package III - Death Benefit	The greatest of: •The sum of all purchase payments, as adjusted for partial withdrawals and partial annuitizations; or •The account value; or •The "step-up value;" or •The "roll-up value."	Included in additional charge for Option Package III.	•Withdrawals and partial annuitizations will reduce the value of the death benefit. Such reductions may be greater than the amount partially withdrawn or annuitized. •No annual step-ups after the anniversary immediately preceding the annuitant's 85th birthday. •No annual roll-ups after the anniversary immediately preceding the annuitant's 76th birthday. •Roll-up value subject to a maximum limit. •Roll-up value not available in New York (death benefit is the same as Option Package II). •Bonus amounts may not be included in the death benefit because they are not considered to be purchase payments.
Option Package III - Free Withdrawal Right (Cumulative)	Allows 10% of your account value each account year to be withdrawn without early withdrawal charges.	Included in additional charge for Option Package III.	•Unused free withdrawals during an account year carry forward to future account years, subject to a maximum of 30%. •Cumulative feature not available in New York (free withdrawal right is the same as Option Package I and II).
Option Package III - Nursing Home Waiver	Allows you to withdraw all or a portion of your account value without an early withdrawal charge if the annuitant is confined to a licensed nursing care facility.	Included in additional charge for Option Package III.	•Cannot be exercised until one account year has elapsed since the benefit's effective date. •Cannot be exercised if the annuitant was in a nursing home during the two week period immediately preceding or following the benefit's effective date. •Must spend at least 45 consecutive days in a nursing home. •Withdrawal subject to the waiver must be requested no more than three years after admission to a nursing home. •State variations apply. •Withdrawals may have tax consequences, including tax penalties if taken before age 59½. •Waiver not available in New York (same as Option Package I).
Premium Bonus Option (no longer available)	We credit your account with a 4% premium bonus for each purchase payment you make during the first account year.	0.50% for the first seven account years (as a percentage of amounts invested in the subaccounts)2	•Cannot be revoked once elected. •Bonus amounts are subject to reduction or forfeit under certain circumstances. •Bonus amounts may not be included in the death benefit. •Death benefit will be reduced by any bonus amounts credited to account after or within 12 months of the date of death. •Withdrawals may forfeit bonus amounts.

	Transfers to Option Package I	Transfers to Option Packages II or III
Minimum Account Value	Non-Qualified:	Qualified:	Non-Qualified:	Qualified:
$15,000	$1,500	$5,000	$1,500

Transfers to Option Package I	Transfers to Option Package II	Transfers to Option Package III
Death Benefit:1 •The sum of all purchase payments made, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date, will continue to be calculated from the account effective date. •The "step-up value" under Option Packages II and III will terminate on the new schedule effective date. •The "roll-up value" under Option Package III will terminate on the new schedule effective date.	Death Benefit:1 •The sum of all purchase payments made, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date, will continue to be calculated from the account effective date. •If transferring from Option Package I, the "step-up value" will be calculated beginning on the new schedule effective date. •If transferring from Option Package III, the "step-up value" will continue to be calculated from the date calculated under Option Package III. •The "roll-up value" under Option Package III will terminate on the new schedule effective date.	Death Benefit:1 •The sum of all purchase payments made, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date, will continue to be calculated from the account effective date. •If transferring from Option Package I, the "step-up value" will be calculated beginning on the new schedule effective date. •If transferring from Option Package II, the "step-up value" will continue to be calculated from the date calculated under Option Package II. •The "roll-up value" will be calculated beginning on the new schedule effective date.
Nursing Home Waiver:2 •The availability of the waiver of the early withdrawal charge under the Nursing Home Waiver will terminate on the new schedule effective date.	Nursing Home Waiver:2 •If transferring from Option Package I, the waiting period under the Nursing Home Waiver will begin to be measured from the new schedule effective date. •If transferring from Option Package III, the waiting period will have been satisfied on the new schedule effective date.	Nursing Home Waiver:2 •If transferring from Option Package I, the waiting period under the Nursing Home Waiver will begin to be measured from the new schedule effective date. •If transferring from Option Package II, the waiting period will have been satisfied on the new schedule effective date.
Free Withdrawals:3 •If transferring from Option Package III, any available free withdrawal amount in excess of 10% will be lost as of the new schedule effective date.	Free Withdrawals: 3 •If transferring from Option Package III, any available free withdrawal amount in excess of 10% will be lost as of the new schedule effective date.	Free Withdrawals: 3 •The cumulative to 30% available free withdrawal amount will begin to be calculated as of the new schedule effective date.

For Contracts Issued outside of the State of New York
All Contracts (except Roth IRA Contracts Issued Before September 20, 2000)
Years from Receipt of Purchase Payment	Early Withdrawal Charge
Less than 2 2 or more but less than 4 4 or more but less than 5 5 or more but less than 6 6 or more but less than 7 7 or more	7% 6% 5% 4% 3% 0%
Roth IRA Contracts Issued Before September 20, 2000
Completed Account Years	Early Withdrawal Charge
Less than 1 1 or more but less than 2 2 or more but less than 3 3 or more but less than 4 4 or more but less than 5 5 or more	5% 4% 3% 2% 1% 0%
For Contracts Issued in the State of New York
All Contracts
Years from Receipt of Purchase Payment	Early Withdrawal Charge
Less than 1 1 or more but less than 2 2 or more but less than 3 3 or more but less than 4 4 or more but less than 5 5 or more but less than 6 6 or more but less than 7 7 or more	7% 6% 5% 4% 3% 2% 1% 0%

•	Used to provide income phase payments to you;

•	Paid due to the annuitant's death during the accumulation phase in an amount up to the sum of purchase payments made, minus the total of all partial withdrawals, amounts applied to an income phase payment option and deductions made prior to the annuitant's death;

•	Paid upon a full withdrawal where your account value is $2,500 or less and no part of the account has been withdrawn during the prior 12 months;

•	Taken because of the election of a systematic distribution option (see "SYSTEMATIC DISTRIBUTION OPTIONS" p.34);

•	Applied as a rollover to certain Roth IRAs issued by us or an affiliate;

•

If approved in your state, taken under a qualified contract, when the amount withdrawn is equal to the minimum distribution required by the Tax Code for your account calculated using a method permitted under the Tax Code and agreed to by us (including required minimum distributions using the ECO/RRD systematic distribution option (see "SYSTEMATIC DISTRIBUTION OPTIONS" p.34); or

•	Paid upon termination of your account by us (see "OTHER TOPICS - Involuntary Terminations" p.60).

•	More than one account year has elapsed since the schedule effective date;

•	The withdrawal is requested within three years of the annuitant's admission to a licensed nursing care facility (in Oregon there is no three year limitation period and in New Hampshire non-licensed facilities are included); and

•	The annuitant has spent at least 45 consecutive days in such nursing care facility.

Option Package I	Option Package II	Option Package III
0.80%	1.10%	1.25%

•	The mortality risks are those risks associated with our promise to make lifetime income phase payments based on annuity rates specified in the contract.

•	The expense risk is the risk that the actual expenses we incur under the contract will exceed the maximum costs that we can charge.

Option Package I	Option Package II	Option Package III
0.15%	0.15%	0.15%

•	The size and type of group to whom the contract is issued;

•	The amount of expected purchase payments;

•

A prior or existing relationship with the Company, such as being an employee or former employee of the Company or one of our affiliates, receiving distributions or making transfers from other contracts issued by us or one of our affiliates or transferring amounts held under qualified retirement plans sponsored by us or one of our affiliates;

•	The type and frequency of administrative and sales services provided; or

•	The level of annual maintenance fee and early withdrawal charges.

•	The current dollar value of amounts invested in the subaccounts; plus

•	The current dollar values of amounts invested in the fixed interest options, including interest earnings to date.

•	The net assets of the fund held by the subaccount as of the current valuation; minus

•	The net assets of the fund held by the subaccount at the preceding valuation; plus or minus

•	Taxes or provisions for taxes, if any, due to subaccount operations (with any federal income tax liability offset by foreign tax credits to the extent allowed); divided by

•	The total value of the subaccount's units at the preceding valuation; minus

•	A daily deduction for the mortality and expense risk charge and the administrative expense charge, if any, and any other fees deducted from investments in the separate account, such as the premium bonus option charge. See "FEES", p.28.

Step 1:

You make an initial purchase payment of $5000.

A.

You direct us to invest $3,000 in Fund A. The purchase payment purchases 300 accumulation units of Subaccount A ($3,000 divided by the current $10 AUV).

B.

You direct us to invest $2,000 in Fund B. The purchase payment purchases 100 accumulation units of Subaccount B ($2,000 divided by the current $20 AUV).

Step 3:

The separate account purchases shares of the applicable funds at the then current market value (net asset value or NAV).

•	Select the withdrawal amount.

•	Select investment options. If you do not specify this, we will withdraw dollars in the same proportion as the values you hold in the various investment options from each investment option in which you have an account value.

•	Properly complete a disbursement form and deliver it to Customer Service.

	Option Package I (Standard Death Benefit)	Option Package II (Optional Death Benefit)	Option Package III (Optional Death Benefit)
Death Benefit on Death of the Annuitant:	The greater of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date; or •The "step-up value"* (as described below) on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date; or •The "step-up value"* (as described below) on the claim date; or •The "roll-up value"* (as described below) on the claim date.**

•	Apply some or all of the account value, plus or minus any market value adjustment, to any of the income phase payment options (subject to the Tax Code distribution rules (see "FEDERAL TAX CONSIDERATIONS", p.45));

•	Receive, at any time, a lump-sum payment equal to all or a portion of the account value, plus or minus any market value adjustment; or

•	Elect SWO, ECO/RRD or LEO (described in "SYSTEMATIC DISTRIBUTION OPTIONS", p.34), provided the election would satisfy the Tax Code minimum distribution rules.

•	Payment start date;

•	Income phase payment option (see the income phase payment options table in this section);

•	Payment frequency (i.e., monthly, quarterly, semi-annually or annually);

•	Choice of fixed, variable or a combination of both fixed and variable payments; and

•	Selection of an assumed net investment rate (only if variable payments are elected).

•	A first income phase payment of at least $50; and

•	Total yearly income phase payments of at least $250.

Lifetime Income Phase Payment Options
Life Income	Length of Payments: For as long as the annuitant lives. It is possible that only one payment will be made if the annuitant dies prior to the second payment's due date. Death Benefit − None: All payments end upon the annuitant's death.
Life Income − Guaranteed Payments	Length of Payments: For as long as the annuitant lives, with payments guaranteed for your choice of five to 30 years or as otherwise specified in the contract. Death Benefit − Payment to the Beneficiary: If the annuitant dies before we have made all the guaranteed payments, we will continue to pay the beneficiary the remaining payments, unless the beneficiary elects to receive a lump-sum payment equal to the present value of the remaining guaranteed payments.
Life Income − Two Lives	Length of Payments: For as long as either annuitant lives. It is possible that only one payment will be made if both annuitants die before the second payment's due date. Continuing Payments: When you select this option you choose for: •100%, 66⅔ % or 50% of the payment to continue to the surviving annuitant after the first death; or •100% of the payment to continue to the annuitant on the second annuitant's death, and 50% of the payment to continue to the second annuitant on the annuitant's death. Death Benefit − None: All payments end upon the death of both annuitants.
Life Income − Two Lives − Guaranteed Payments	Length of Payments: For as long as either annuitant lives, with payments guaranteed from five to 30 years or as otherwise specified in the contract. Continuing Payments: 100% of the payment to continue to the surviving annuitant after the first death. Death Benefit − Payment to the Beneficiary: If both annuitants die before we have made all the guaranteed payments, we will continue to pay the beneficiary the remaining payments, unless the beneficiary elects to receive a lump-sum payment equal to the present value of the remaining guaranteed payments.
Life Income − Cash Refund Option (limited availability − fixed payments only)	Length of Payments: For as long as the annuitant lives. Death Benefit − Payment to the Beneficiary: Following the annuitant's death, we will pay a lump sum payment equal to the amount originally applied to the income phase payment option (less any applicable premium tax) and less the total amount of income payments paid.
Life Income − Two Lives − Cash Refund Option (limited availability − fixed payments only)	Length of Payments: For as long as either annuitant lives. Continuing Payments: 100% of the payment to continue after the first death. Death Benefit − Payment to the Beneficiary: When both annuitants die we will pay a lump-sum payment equal to the amount applied to the income phase payment option (less any applicable premium tax) and less the total amount of income payments paid.
Nonlifetime Income Phase Payment Option
Nonlifetime − Guaranteed Payments	Length of Payments: You may select payments for five to 30 years (15 to 30 years if you elected the premium bonus option). In certain cases a lump-sum payment may be requested at any time (see below). Death Benefit − Payment to the Beneficiary: If the annuitant dies before we make all the guaranteed payments, we will continue to pay the beneficiary the remaining payments, unless the beneficiary elects to receive a lump-sum payment equal to the present value of the remaining guaranteed payments. We will not impose any early withdrawal charge.
Lump-Sum Payment: If the "Nonlifetime − Guaranteed Payments" option is elected with variable payments, you may request at any time that all or a portion of the present value of the remaining payments be paid in one lump sum. Any such lump-sum payments will be treated as a withdrawal during the accumulation phase and we will charge any applicable early withdrawal charge. See "FEES - Transaction Fees ‒ Early Withdrawal Charge." Lump-sum payments will be sent within seven calendar days after we receive the request for payment in good order at Customer Service.
Calculation of Lump-Sum Payments: If a lump-sum payment is available under the income phase payment options above, the rate used to calculate the present value of the remaining guaranteed payments is the same rate we used to calculate the income phase payments (i.e., the actual fixed rate used for fixed payments or the 3.5% or 5% assumed net investment rate used for variable payments).

	Option Package I	Option Package II	Option Package III
Additional Charge?	No (least expensive option)	Yes	Yes (most expensive option)
Death Benefit (Upon Death of Annuitant)	The greater of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date; or •The "step-up value" on the claim date.	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value on the claim date; or •The "step-up value" on the claim date.
Free Withdrawals ‒ Waiver of Early Withdrawal Charge	10% of your account value each account year, non-cumulative.	10% of your account value each account year, non-cumulative.	10% of your account value each account year, non-cumulative.
Nursing Home Waiver ‒ Waiver of Early Withdrawal Charge	Not Available	Not Available	Not Available

Completed Account Years at the Time of the Withdrawal	Amount of Premium Bonus Subject to Forfeiture
Less than 1 1 or more but less than 2 2 or more but less than 3 3 or more but less than 4 4 or more but less than 5 5 or more but less than 6 6 or more but less than 7 7 or more	100% 100% 100% 100% 100% 75% 50% 0%

Date	Purchase Payment	Premium Bonus	Account Value	Withdrawal Amount	Explanation
May 2, 2008	$100,000	$4,000	$104,000	-	You make a $100,000 initial purchase payment and we credit your account with a 4% ($4,000) premium bonus. Your beginning account value equals $104,000.
May 2, 2011	-	-	$120,000	$30,000	Assume that your account value grows to $120,000 over the next three years and you request a $30,000 withdrawal. $18,000 of that $30,000 will be subject to an early withdrawal charge ($30,000 minus $12,000 (the 10% free withdrawal amount, see "FEES - Transaction Fees - Free Withdrawals")) and you would pay a $720 early withdrawal charge (4% of $18,000). Additionally, 100% of the premium bonus is subject to forfeiture according to the table above, and because $18,000 is 18% of the $100,000 purchase payment made in the first account year, 18% of your $4,000 premium bonus, or $720, would be forfeited.*

	Option Package I	Option Package II	Option Package III
Death Benefit on Death of the Annuitant:	The greater of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date.*	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date; or •The "step-up value"* (as described below) on the claim date.**	The greatest of: •The sum of all purchase payments, adjusted for amounts withdrawn or applied to an income phase payment option as of the claim date; or •The account value* on the claim date; or •The "step-up value"* (as described below) on the claim date.**

We do not intend this information to be tax advice. No attempt is made to provide more than a general summary of information about the use of the contract with non-tax-qualified and tax-qualified retirement arrangements, and the Tax Code may contain other restrictions and conditions that are not included in this summary. You should consult with a tax and/or legal adviser for advice about the effect of federal income tax laws, state tax laws or any other tax laws affecting the contract or any transactions involving the contract.

1.

1. Cetera Advisor Networks LLC; 2. LPL Financial LLC; 3. Voya Financial Advisors, Inc.; 4. Kestra Investment Services, LLC; 5. M Holdings Securities Inc.; 6. Voya Financial Advisors, Inc. Career; 7. The Leaders Group Inc; 8. Comprehensive Insurance Programs Inc General Agent; 9. First Heartland Capital Inc.; 10. Life Home Office Direct; 11. Cambridge Investment Research Inc.; 12. Centaurus Financial Inc.; 13. Sagepoint Financial Inc.;

14. Commonwealth Equity Services; 15. Securities America, Inc.; 16. Raymond James Financial Services Inc.; 17. Purshe Kaplan Sterling Investments Inc.; 18. Wachovia Securities Financial Network, Inc.; 19. Woodbury Financial Services Inc.; 20. Royal Alliance Associates Inc.; 21. Cuna Brokerage Services Inc.; 22. Cetera Advisors LLC; 23. Concourse Financial Group Securities, Inc.; 24. Osaic Wealth, Inc.; and 25. Home Office - PPGA

Investment Objective	Fund Name and Adviser/ Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/21)
1 year	5 year	10 year
Seeks to maximize income while maintaining prospects for capital appreciation.	Voya Balanced Income Portfolio (Class S)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.86%	11.42%	4.99%	4.28%
Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation.	Voya Balanced Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.78%	15.92%	7.98%	5.84%
Seeks to maximize total return through a combination of current income and capital appreciation.	Voya Global Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.68%	6.24%	-0.52%	0.66%
Seeks long-term capital growth and current income.	Voya Global High Dividend Low Volatility Portfolio (Class S)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.85%	6.43%	7.89%	5.90%
Seeks capital appreciation.	Voya Global Insights Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.75%	32.69%	11.91%	8.30%
Seeks total return.	Voya Global Perspectives® Portfolio (Class ADV) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	1.09%	10.19%	5.55%	3.99%
Seeks to provide high current return consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00.	Voya Government Money Market Portfolio (Class I)3 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.43%	4.77%	1.68%	1.08%
Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.	Voya Growth and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.67%	27.39%	16.20%	11.30%
Seeks to provide investors with a high level of current income and total return.	Voya High Yield Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.47%	12.28%	4.87%	4.13%
Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk.	Voya Index Plus LargeCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.55%	26.07%	14.74%	11.33%
Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.	Voya Intermediate Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.55%	7.28%	1.50%	2.34%
Seeks maximum total return.	Voya International High Dividend Low Volatility Portfolio (Class I)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.74%	14.87%	6.34%	2.67%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted International Index.	Voya International Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.46%	17.74%	7.88%	3.99%
Seeks long-term capital growth.	Voya Large Cap Growth Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.67%	37.86%	14.76%	12.32%
Seeks long-term growth of capital and current income.	Voya Large Cap Value Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.94%	13.28	12.87%	8.53%
Seeks long-term capital appreciation.	Voya MidCap Opportunities Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	1.00%	23.35%	13.39%	9.66%
Seeks long-term capital appreciation.	Voya MidCap Opportunities Portfolio (Class I)2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.75%	23.54%	13.62%	9.91%
Seeks a high level of total return (consisting of capital appreciation and income) consistent with a conservative level of risk relative to the other Voya Retirement Portfolios.	Voya Retirement Conservative Portfolio (Class ADV) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.87%	8.79%	4.19%	3.53%
Seeks a high level of total return (consisting of capital appreciation and income) consistent with a level of risk that can be expected to be greater than that of Voya Retirement Moderate Growth Portfolio.	Voya Retirement Growth Portfolio (Class ADV) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	1.01%	17.82%	9.38%	6.47%
Seeks a high level of total return (consisting of capital appreciation and income) consistent with a level of risk that can be expected to be greater than that of Voya Retirement Moderate Portfolio but less than that of Voya Retirement Growth Portfolio.	Voya Retirement Moderate Growth Portfolio (Class ADV) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.99%	15.37%	8.36%	5.94%
Seeks a high level of total return (consisting of capital appreciation and income) consistent with a level of risk that can be expected to be greater than that of Voya Retirement Conservative Portfolio but less than that of Voya Retirement Moderate Growth Portfolio.	Voya Retirement Moderate Portfolio (Class ADV) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.94%	11.24%	6.34%	4.69%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Growth Index.	Voya RussellTM Large Cap Growth Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.43%	45.99%	20.21%	15.52%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Index.	Voya RussellTM Large Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.36%	29.41%	16.10%	12.31%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Value Index.	Voya RussellTM Large Cap Value Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.34%	10.27%	10.37%	8.09%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Growth Index.	Voya RussellTM Mid Cap Growth Index Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.65%	25.02%	13.05%	9.85%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000® Index.	Voya RussellTM Small Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.45%	16.68%	9.63%	6.89%
Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.	Voya Small Company Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.86%	18.00%	9.84%	7.02%
Seeks long-term capital appreciation.	Voya SmallCap Opportunities Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	1.11%	20.65%	8.83%	5.98%
Seeks to provide a combination of total return and stability of principal through a diversified asset allocation strategy.	Voya Solution Moderately Conservative Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.99%	11.86%	5.67%	4.48%
Seeks total return.	Voya U.S. Stock Index Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.51%	25.56%	15.09%	11.46%
Seeks to maximize real return, consistent with preservation of real capital and prudent investment management.	VY® BlackRock Inflation Protected Bond Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: BlackRock Financial Management, Inc.	0.87%	4.17%	2.64%	1.70%
Seeks high total return consisting of capital appreciation and current income.	VY® CBRE Real Estate Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: CBRE Clarion Securities LLC	1.00%	14.04%	8.62%	7.43%
Seeks long-term growth of capital.	VY® Columbia Small Cap Value II Portfolio (Class S)2 Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC	1.18%	13.85%	11.62%	7.07%
Seeks total return consisting of long-term capital appreciation and current income.	VY® Invesco Equity and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.	0.64%	10.25%	9.84%	7.04%
Seeks capital appreciation.	VY® JPMorgan Emerging Markets Equity Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.	1.44%	6.55%	4.48%	3.58%
Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk.	VY® T. Rowe Price Capital Appreciation Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.	0.89%	18.60%	12.59%	10.31%
Seeks long-term capital appreciation.	VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.	0.80%	20.96%	13.50%	10.80%

Customer Service P.O. Box 9271 Des Moines, IA 50306-9271 1-800-366-0066

VARIABLE ANNUITY ACCOUNT B OF VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY

	Page
GENERAL INFORMATION AND HISTORY	2
VARIABLE ANNUITY ACCOUNT B	2
NON-PRINCIPAL RISKS OF INVESTING IN THE CONTRACT	2
SERVICES		2
UNDERWRITERS	2
INCOME PHASE PAYMENTS	3
EXPERTS	4
FINANCIAL STATEMENTS	4

Item 27. Exhibits

	(a)	Resolution of the Board of Directors of Aetna Life Insurance and Annuity Company establishing Variable Annuity Account B •Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 033-75986), as filed on April 22, 1996.
	(b)	Not applicable
	(c)(1)	Standard Form of Broker-Dealer Agreement •Incorporated by reference to Post-Effective Amendment No. 32 to Registration Statement on Form N-4 (File No. 033-81216) as filed on April 11, 2006.
	(c)(2)	Underwriting Agreement dated November 17, 2006 between ING Life Insurance and Annuity Company and ING Financial Advisers, LLC •Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement on Form N-4 (File No. 033-75996), as filed on December 20, 2006.
	(c)(3)	Confirmation of Underwriting Agreement •Incorporated herein by reference to Post-Effective Amendment No. 32 to Registration Statement on Form N-4 (File No. 033-81216), as filed on April 11, 2006.
	(c)(4)	Intercompany Agreement dated December 22, 2010 (effective January 1, 2010) between ING Investment Management LLC and ING Life Insurance and Annuity Company •Incorporated by reference to Post-Effective Amendment No. 1 to Registration Statement on Form N-4 (File No. 333-167680), as filed on February 11, 2011.
	(c)(5)	Amendment No. 1 made and entered into as of December 1, 2013 to the Intercompany Agreement dated as of December 22, 2010 by and among ING Investment Management LLC and ING Life Insurance and Annuity Company •Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement on Form N-4 (File No. 333-167680), as filed on April 9, 2014.

	(c)(6)	Amendment No. 2, effective as of September 30, 2014, to the Intercompany Agreement dated as of December 22, 2010 by and between ING Investment Management LLC (now known as Voya Investment Management LLC) and ING Life Insurance and Annuity Company (now known as "Voya Retirement Insurance and Annuity Company") •Incorporated by reference to Post-Effective Amendment No. 63 to Registration Statement on Form N-4 (File No. 033-75962), as filed on December 16, 2014.
	(c)(7)	Amendment No. 4, effective March 1, 2016, to the Intercompany Agreement dated as of December 22, 2010 (effective January 1, 2010) between ING Investment Management LLC (IIM) (now known as Voya Investment Management LLC or VIM) and ING Life Insurance and Annuity Company (ILIAC) (now known as Voya Retirement Insurance and Annuity Company or VRIAC) •Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement on Form N-4 (File No. 333-167182), as filed on June 24, 2016.
	(c)(8)	Amendment No. 5, effective as of May 1, 2017, to the Intercompany Agreement between Voya Investment Management LLC and Voya Retirement Insurance and Annuity Company on September 28, 2017 •Incorporated by reference herein to the Initial Registration Statement on Form N-4 (File No. 333-220690), as filed on September 28, 2017.
	(c)(9)	Amendment No. 6, effective as of July 1, 2017, to the Intercompany Agreement between Voya Investment Management LLC and Voya Retirement Insurance and Annuity Company on September 28, 2017 •Incorporated by reference herein to the Initial Registration Statement on Form N-4 (File No. 333-220690), as filed on September 28, 2017.
	(d)(1)	Variable Annuity Contract (GM-VA-98) •Incorporated herein by reference to Initial Registration Statement on Form N-4, File No. 333-56297, as filed on June 8, 1998.)
	(d)(2)	Variable Annuity Contract Certificate (GMC-VA-98) •Incorporated herein by reference to Initial Registration Statement on Form N-4, File No. 333-56297, as filed on June 8, 1998.)
	(d)(3)	Variable Annuity Contract (GM-VA-98(NY)) •Incorporated herein by reference to Post-Effective Amendment No. 18 to Registration Statement on Form N-4, File No. 333-56297, as filed on August 30, 2000.)
	(d)(4)	Variable Annuity Contract Certificate (GMC-VA-98(NY)) •Incorporated herein by reference to Post-Effective Amendment No. 18 to Registration Statement on Form N-4, File No. 333-56297, as filed on August 30, 2000.)
	(d)(5)	Endorsement (EVAGET98) to Variable Annuity Contract GM-VA-98 and Variable Annuity Contract Certificate GMC-VA-98 •Incorporated herein by reference to Post-Effective Amendment No. 1 to Registration Statement on Form N-4, File No. 333-56297, as filed on September 14, 1998.)
	(d)(6)	Endorsement (EGET-99) to Variable Annuity Contract GM-VA-98 and Variable Annuity Contract Certificate GMC-VA-98 · Incorporated herein by reference to Post-Effective Amendment No. 13 to Registration Statement on Form N-4, File No. 333-01107, as filed on April 7, 1999.)
	(d)(7)	Endorsement (EVA-PB-00) to Variable Annuity Contract GM-VA-98 and Variable Annuity Contract Certificate GMC-VA-98 •Incorporated herein by reference to Post-Effective Amendment No. 15 to Registration Statement on Form N-4, File No. 333-56297, as filed on May 8, 2000.)
	(d)(8) (d)(9) (d)(10)	Endorsement (EVA-PB-00(NY)) to Variable Annuity Contract GM-VA-98(NY) and Variable Annuity Contract Certificate GMC-VA-98(NY) •Incorporated herein by reference to Post-Effective Amendment No. 21 to Registration Statement on Form N-4, File No. 333-56297, as filed on December 13, 2000.) Endorsement E-DCSECURE-20 to Variable Annuity Contract GM-VA-98(NY) and Variable Annuity Contract Certificate GMC-VA-98(NY) Incorporated herein by reference to Post-Effective Amendment No. 57 to Registration Statement on Form N-4, File No. 333-56297, as filed on April 22, 2021 Endorsement E-IRASECURE-20 to Variable Annuity Contract GM-VA-98(NY) and Variable Annuity Contract Certificate GMC-VA-98(NY) • Incorporated herein by reference to Post-Effective Amendment No. 57 to Registration Statement on Form N-4, File No. 333-56297, as filed on May 1, 2021.)
	(e)	Variable Annuity Contract Application (9.5.89-6(9/98) •Incorporated herein by reference to Pre-Effective Amendment No. 1 to Registration Statement on Form N-4, File No. 333-56297, as filed on August 4, 1998.)
	(f)(1)	Restated Certificate of Incorporation (amended and restated as of October 1, 2007) of ING Life Insurance and Annuity Company •Incorporated by reference to ING Life Insurance and Annuity Company annual report on Form 10-K (File No. 033-23376), as filed on March 31, 2008.
	(f)(2)	Amended and Restated By-Laws of ING Life Insurance and Annuity Company, effective October 1, 2007 •Incorporated by reference to ING Life Insurance and Annuity Company annual report on Form 10-K (File No. 033-23376), as filed on March 31, 2008.
	(g)	Reinsurance Agreement by and between Voya Retierment Insurance and Annuity Company and Security Life of Denver Insurance Company effective January 1, 2021
	(h)(1)	Fund Participation, Administrative and Shareholder Service Agreement made and entered into as of July 25, 2016 by and between Voya Retirement Insurance and Annuity Company, Voya Financial Partners, LLC and Voya Investments Distributor, LLC •Incorporated by reference to Post-Effective Amendment No. 56 to Registration Statement on Form N-4 (File No. 033-81216), as filed on February 15, 2017.
	(h)(2)	Rule 22c-2 Agreement dated no later than April 16, 2007and effective October 16, 2007 between ING Funds Services, LLC, ING Life Insurance and Annuity Company, ING National Trust, ING USA Annuity and Life Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York, Security Life of Denver Insurance Company and Systematized Benefits Administrators Inc. •Incorporated by reference to Post-Effective Amendment No. 50 to Registration Statement on Form N-4 (File No. 033-75962), as filed on June 15, 2007.
	(i)	Not applicable
	(j)	Omnibus Administrative Services Agreement by and among Resolution Life Colorado, Inc., Security Life of Denver Insurance Company, ReliaStar Life Insurance Company, and Voya Retirement Insurance and Annuity Company and effective January 4, 2021
	(k)	Opinion and Consent of Counsel
	(l)	Consent of Independent Registered Public Accounting Firm
	(m)	Not applicable
	(n)	Not applicable
	(o)	Not applicable. Initial Summary Prospectuses will not be used with this registration statement.
	(p)	Powers of Attorney

Name & Principal Business Address		Positions and Offices with Depositor
	Charles P. Nelson, One Orange Way, Windsor, CT 06095-4774	Director and President
	Mona Zielke, 20 Washington Ave S, Minneapolis MN 55401	Director
	Michael S. Smith, 230 Park Avenue, New York, NY 10169	Director and Chairman
	Robert L. Grubka, 20 Washington Avenue South, Minneapolis, MN 55401	Director and Senior Vice President
	Michael R. Katz, Work at Home, Pennsylvania	Director, Senior Vice President and Chief Financial Officer
	Heather H. Lavallee, One Orange Way, Windsor, CT 06095-4774	Director and Senior Vice President
	Francis G. O'Neill, One Orange Way, Windsor, CT 06095-4774	Director, Senior Vice President and Chief Risk Officer
	Larry N. Port, 230 Park Avenue, New York, NY 10169	Executive Vice President and Chief Legal Officer
	Carlo Bertucci, One Orange Way, Windsor, CT 06095-4774	Senior Vice President, Treasurer and Chief Tax Officer
	C. Landon Cobb, Jr., 5780 Powers Ferry Road, N.W., Atlanta, GA 30327-4390	Senior Vice President and Chief Accounting Officer
	William S. Harmon, Work at Home, Colorado	Senior Vice President
	Matthew Toms, 5780 Powers Ferry Road, N.W., Atlanta, GA 30327-4390	Senior Vice President
	Michele White, One Orange Way, Windsor, CT 06095-4774	Senior Vice President
	Rajat P. Badhwar, One Orange Way, Windsor, CT 06095-4774	Chief Information Security Officer
	Brian J. Baranowski, One Orange Way , Windsor, CT 06095-4774	Vice President, Compliance
	Wayne M. Forlines, 5780 Powers Ferry Road, N.W., Atlanta, GA 30327-4390	Vice President
	Regina A. Gordon, One Orange Way , Windsor, CT 06095-4774	Vice President and Chief Compliance Officer
	Carol B. Keen, Work at Home, Florida	Vice President
	Niccole A. Peck, 5780 Powers Ferry Road, N.W., Atlanta, GA 30327-4390	Vice President and Assistant Treasurer
	Kyle A. Puffer, One Orange Way, Windsor, CT 06095-4774	Vice President and Appointed Actuary
	Kevin J. Reimer, 5780 Powers Ferry Road, N.W., Atlanta, GA 30327-4390	Vice President and Assistant Treasurer
	John Thistle, 30 Braintree Hill Office Park, Floors 2-4, Braintree MA 02184	Vice President
	Melissa A. O'Donnell, 20 Washington Avenue South, Minneapolis, MN 55401	Secretary

*These individuals may also be directors and/or officers of other affiliates of the Company.

Voya Financial, Inc.

HOLDING COMPANY SYSTEM 9/30/2021 Voya Financial, Inc. Non-Insurer (Delaware) 52-122280 NAIC 4832 Pen-Cal Administrators, Inc. Non-Insurer (California) 94-2695108 Voya Services Company Non-Insurer (Delaware 52-1317217 Voya Payroll Management, Inc. Non-Insurer (Delaware) 52-2197204 Voya Holdings Inc. Non-Insurer (Connecticut) 02-0488491 Voya Benefits Company, LLC Non-Insurer (Delaware) 83-0965809 Benefit Strategies, LLC Non-Insurer (Delaware) 83-0965809 Voya Financial Advisors, Inc. Non-Insurer (Minnesota) 41-0945505 Voya Investment Management LLC Non-Insurer (Delaware) 58-2361003 Voya Investment Management Co. LLC Non-Insurer (Delaware) 06-0888148 Voya Investment Trust Co. Non-Insurer (Connecticut) 06-1440627 Voya Investment Management (UK) Limited Non-Insurer (United Kingdom) Voya Investment Management Services (UK) Limited Non-Insurer (United Kingdom) Voya Investment Management Alternative Assets LLC Non-Insurer (Delaware) 13-4038444 Voya Alternative Asset Management LLC Non-Insurer (Delaware) 13-3863170 Voya Realty Group LLC Non-Insurer (Delaware) 13-4003969 Voya Pomona Holdings LLC Non-Insurer (Delaware) 13-4152011 Pomona G.P. Holdings LLC (*a) Non-Insurer (Delaware) 13-4150600 Pomona Management LLC Non-Insurer (Delaware) 13-4149700 Voya Alternative Asset Management Ireland Limited Non-Insurer (Ireland) Voya Capital, LLC Non-Insurer (Delaware) 86-1020892 Voya Funds Services, LLC Non-Insurer (Delaware) 86-1020893 Voya Investment Distributor, LLC Non-Insurer (Delaware) 03-0485744 Voya Investments, LLC Non-Insurer (Arizona) 03-0402099 River Roch LLC (*b) Non-Insurer (Delaware) 84-3548142 Oconee Real Estate Holdings LLC (*c) Non-Insurer (Delaware) 85-1578755 Voya Retirement Insurance and Annuity Company Insurer (Connecticut) 71-024708 NAIC 86509 Voya Financial Partners, LLC Non-Insurer (Delaware) 06-1375177 Voya Institutional Plan Services, LLC Non-Insurer (Delaware) 04-3516284 Voya Retirement Advisors, LLC Non-Insurer (New Jersey) 22-1862786 Voya Institutional Trust Company Non-Insurer (Connecticut) 46-5416028 ReliaStar Life Insurance Company Insurer (Minnesota) 41-0451140 NAIC 67105 ReliaStar Life Insurance Company of New York Insurer (New York) 53-0242530 NAIC 61360 Roaring River, LLC Insurer (Missouri) 26-3355951 NAIC 13583 ILICA LLC Non-Insurer (Connecticut) 06-1067464 Voya International Nominee Holdings, Inc. Non-Insurer (Connecticut) 06-1465377 Voya Insurance Solutions, Inc. Non-Insurer (Connecticut) 06-1465377 Roaring River IV Holding, LLC Non-Insurer (Delaware) 46-3607309 Roaring River IV, LLC Insurer (Missouri) 80-0955075 NAIC 15365 Voya Custom Investments LLC Non-Insurer (Delaware) 02-0488491 SLDI Georgia Holdings, Inc. Non-Insurer (Georgia) 27-1108872 Voya II Custom Investments LLC Non-Insurer (Delaware) 27-1108872 Rancho Mountain Properties, Inc. Non-Insurer (Delaware) 27-2987157 Security Life Assignment Corporation Non-Insurer (Colorado) 84-1437826 IIPS of Florida, LLC Non-Insurer (Florida) Voya Special Investments, Inc. (*d) Non-Insurer (Delaware) 85-1775946 VFI SLK Global Services Private Limited (*e) Non-Insurer (India)

*b

RiverRoch LLC owned 53.7% by Voya Retirement Insurance and Annuity Company, owned 10.8% by ReliaStar Life Insurance Company, owned 10.8% by Security Life of Denver Insurance Company and owned 24.7% by Non- Affiliate Member.

*c

Oconee Real Estate Holdings LLC owned 30.4% by Voya Retirement Insurance and Annuity Company, owned 29% by ReliaStar Life Insurance Company, owned 8.5% by Security Life of Denver Insurance Company and owned 42% by Non-Affiliate Member.

(b)

The following are the directors and officers of the Principal Underwriter:

Name & Principal Business Address		Positions and Offices with Underwriter
	Brandi Haugen, 2000 21st Avenue NW, Minot ND 58703	President and Chief Executive Officer
	Anthony J. Brantzeg, 1475 Dunwoody Dr., West Chester, PA 19380	Senior Vice President and Chief Risk Officer
	Chad M. Eslinger, 20 Washington Ave. S, Minneapolis, MN 55401	Senior Vice President and Chief Compliance Officer
	John T. Price, 5780 Powers Ferry Rd. NW, Atlanta, GA 30327	Senior Vice President and Secretary
	Debra M. Bell, Works From Home, Colorado	Vice President and Assistant Treasurer
	Matthew K. Duffy, 5780 Powers Ferry Rd. NW, Atlanta, GA 30327	Vice President, Chief Financial Officer and Financial Operations Principal
	Stephen D. Hartman,1475 Dunwoody Dr., West Chester, PA 19380	Vice President and Treasurer
	Raghib Muhammad, 1475 Dunwoody Dr., West Chester, PA 19380	Vice President and Chief Information Officer
	Robert Pienkowski, Works From Home, New York	Vice President and Chief Information Security Officer
	Mary A. Tuttle, Works From Home, Colorado	Vice President and Assistant Treasurer
	Angelia M. Lattery, 20 Washington Ave. S, Minneapolis, MN 55401	Assistant Secretary
	James D. Ensley, 5780 Powers Ferry Rd. NW, Atlanta, GA 30327	Tax Officer

(c)Compensation to Principal Underwriter:

(1)	(2)	(3)	(4)	(5)
Name of Principal Underwriter	Net Underwriting Discounts and Commissions	Compensation on Redemption or Annuitization	Brokerage Commissions	Compensation*
Voya Financial Partners, LLC				$ 796,128.54

*	Reflects compensation paid to Voya Financial Partners, LLC attributable to regulatory and operating expenses associated with the distribution of all registered variable annuity products issued by Variable Annuity Account B of Voya Retirement Insurance and Annuity Company during 2021.

	VARIABLE ANNUITY ACCOUNT B OF VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY
(Registrant)
	By:	VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY
	(Depositor)
	By:	Charles P. Nelson*
		Charles P. Nelson President (principal executive officer)

As required by the Securities Act of 1933, this Post-Effective Amendment No. 6 4 to the Registration Statement has been signed by the following persons in the capacities and on the date indicated.

Signature	Title	Date
Charles P. Nelson*	Director, Chairman, and President
Charles P. Nelson	(principal executive officer)
	Robert L. Grubka*	Director	March 18, 2024
	Robert L. Grubka
	Michael R. Katz*	Director and Chief Financial Officer	March 13, 2024
	Michael R. Katz	(principal financial officer)
	Francis G. O'Neill*	Director	March 10, 2024
	Francis G. O'Neill
	Mona Zielke	Director	March 23, 2024
	Mona Zielke
	Amelia J. Vaillancourt	Director	March 14, 2024
	Amelia J Vaillencourt
	Tony D. Oh	Chief Accounting Officer	March 12, 2024
	Tony D, Oh	(principal accounting officer)
	By:	/s/ Ian Macleod
	Ian Macleod *Attorney-in-Fact

VARIABLE ANNUITY ACCOUNT B EXHIBIT INDEX

Exhibit No.	Exhibit
24(k)	Opinion and Consent of Counsel
24(l)	Consent of Independent Registered Public Accounting Firm