EM
● Terminated
Earnings Multiplier Benefit
Voya Insurance And Annuity Company
DTCC ID
—
COMPANY
Voya Insurance And Annuity Company
TYPE
Variable Annuity
INCEPTION
—
Identity
Benefit name
Earnings Multiplier Benefit
Internal benefit name
Earnings Multiplier Benefit
Product policy type
Variable Annuity
Status
● Terminated
Sequence
4
Inception date
—
Closed date
Oct 06, 2008
DTCC Rider ID
—
Last modified
Nov 27, 2025
Life & Age
Based on life
Owner and Annuitant
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
—
Partial withdrawals
—
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Issuer will add 55% benefit percentage (30% if owner ages 70 or older) to any death benefit payable under contract, reduced by total purchase payments adjusted for withdrawal and applicable charges. Benefit base can never be more than 150% of adjusted purchase payments. This benefit is only available for NQ contracts. Please see prospectus for details.
Lifecycle Events
Cancellation
Once elected may not be cancelled.
Termination
Once elected may not be terminated.
Available when added
Only at contract issue.
Effect change ownership
Issuer will recalculate benefit amount upon change in ownership.