Updating Summary Prospectus (Form 497VPU)

FEES AND EXPENSES
Charges for Early Withdrawals	We do not impose a charge for early withdrawals from the Contract.
Transaction Charges	An Investor may be charged for transferring or reallocating an Accumulation Value among the investment options if more than one investment option is available. See "FEE TABLE - Transaction Expenses" and "CHARGES AND 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.
	Annual Fee	Minimum		Maximum
	Base Contract Expenses	3.50%1, 2		3.50%1, 2
	Investment Option (Portfolio Company fees and expenses)	0.48%3		0.48%3
	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.
	Lowest Annual Cost Estimate: $458		Highest Annual Cost Estimate: $458
	Assumes: • Investment of $100,000; • 5% annual appreciation; • No optional benefits; • No sales charges; and • No additional Purchase Payments, transfers, or withdrawals.		Assumes: • Investment of $100,000; • 5% annual appreciation; • No sales charges; and • No additional Purchase Payments, transfers, or withdrawals.
	See "FEE TABLE - Examples" and "CHARGES AND FES - Periodic Fees and Charges."

RISKS
Risk of Loss	An Investor can lose money by investing in the Contract. See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT."
Not a Short-Term Investment	The Contract is not meant to be used to meet short-term financial goals and you should roll over your interest in the Group Contract only if the Contract's MGWB, and other features and benefits are suitable for you. Do not roll over your interest in the Group Contract if you do not need the retirement income for life offered by the MGWB. When considering an investment in the Contract, you should consult with your investment professional about your financial goals, investment time horizon and risk tolerance. See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT."
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. Each investment option will have its own unique risks, and you should review these investment options before making an investment decision. See "THE INVESTMENT OPTIONS - The Variable Investment Options" and APPENDIX A.
Insurance Company Risks	An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, guarantees or benefits are subject to the financial strength and claims paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-855-720-0409. See "THE CONTRACT - The General Account."
RESTRICTIONS
Investments	• Some Subaccounts may not be available through certain Contracts, your plan or in some states. See your Contract or certificate for any state specific variations; • While there is only one Subaccount currently available after the Right to Examine Period, we reserve the right to add additional Subaccounts in the future. • The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and • The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated. See "THE INVESTMENT OPTIONS - Right to Change the Separate Account and Subaccount Transfers."
Optional Benefits	We may discontinue or restrict the availability of an optional benefit. See "DEATH BENEFIT."
TAXES
Tax Implications		• You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract; • There is no additional tax benefit to the Investor if the Contract is purchased through a tax-qualified plan or individual retirement account ("IRA"); and • Withdrawals (including MGWB withdrawals) will be subject to ordinary income tax and may be subject to tax penalties. See "FEDERAL TAX CONSIDERATIONS."

CONFLICTS OF INTEREST
Investment Professional Compensation	We may pay the broker-dealer for selling the Contract to you. Your broker-dealer also may have certain revenue sharing arrangements or pay its personnel more for selling the Contract than for selling other annuity contracts. See "OTHER TOPICS - Contract Distribution."
Exchanges	Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should exchange your Contract only if you determine, after comparing the features, fees, and risks of the Contract, that it is preferable for you to purchase the new contract rather than continue to own the existing Contract. See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT."

INVESTMENT OBJECTIVE	FUND NAME INVESTMENT ADVISER/SUBADVISER	CURRENT EXPENSES*	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2024)
			1 year	5 year	10 year
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)1, 2,3 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC	0.40%	-2.38%	0.61%	0.30%