Independent rating services evaluate insurance company financial strength. The ratings relate to an insurance company's ability to meet its claims and guarantees. The ratings do not apply to the safety or performance of any specific insurance product or any obligations of the variable investment option. The ratings are as of April 16, 2019 and are subject to change.

Company Standard & Poor's
Ratings
Outlook Moody's
Ratings
Outlook Fitch
Ratings
Outlook
Voya Retirement Insurance and Annuity Company A Outlook Positive A2 Outlook Stable A Outlook Stable
Midwestern United Life Insurance Company A Outlook Positive



Reliastar Life Insurance Company (MN) A Outlook Positive A2 Outlook Stable A Outlook Stable
Reliastar Life Insurance Company of NY A Outlook Positive A2 Outlook Stable A Outlook Stable
Security Life of Denver Insurance Company A Outlook Positive A2 Outlook Stable A Outlook Stable

Fitch assigns ratings from AAA to C based on company’s financial strength. A (Strong) is the 6th highest of 19 ratings.
http://fitchratings.com

Moody's Investor Service (Moody's) assigns ratings from Aaa to C based on a company’s financial security. A2 (Good) is the 6th highest of 21 ratings.
http://moodys.com

Standard & Poor's assigns ratings from AAA to CC based on a company's financial security. A (Strong) is the 6th highest of 20 ratings.
http://www.standardandpoors.com

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Michael Katz
Senior Vice President, Head of Investor Relations and Enterprise FP&A
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