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Aug 24, 2019 by |

San Francisco and California Life Insurance and Annuities Attorney: Voya Annuities and Indexed Universal Life Insurance


Voya Annuity and Universal Life Insurance Products

The life insurance and annuity attorneys at Evans Law Firm, Inc. represent California consumers, especially seniors, who have suffered losses on all types of life insurance and annuity contracts, including variable and fixed annuities, indexed annuities, and equity indexed universal life insurance. Voya Financial, Inc., a financial conglomerate that targets retirement investments, issued annuities and universal life insurance policies to California consumers through its subsidiaries Voya Insurance and Annuity Company, Security of Denver Life Insurance Company, Reliastar Life Insurance Company, and Voya Annuity and Life Insurance Company.  If you or a loved one is a California resident over age 60 who purchased a Voya or Reliastar, or Security of Denver Life Insurance Company annuity or universal life insurance policy in the last four years call the annuity lawyers today at Evans Law Firm, Inc. (415) 441-8669 for a free evaluation of your particular policy.

Voya’s Annuity and Life Insurance Business

Voya sells its financial products in California through Voya Financial Advisors, Inc. and through Voya product partners such as World Financial Group or other advisory and brokerage firms. Voya’s book of annuities and life insurance has recently shifted. In 2018, Voya Financial divested itself of much of its annuity business to a consortium called Venerable Holdings, Inc., and announced later that year that it will no longer sell individual life insurance. Nevertheless, over 785,000 existing individual life insurance policies are still in force including a large number of indexed universal life insurance policies. A large Voya book of variable, fixed, and fixed indexed annuities is also still in force.  Insurance and annuity carriers like Voya often sell blocks of their underlying businesses and our attorneys can trace the carriers obligated to pay out your benefits over time.  Our lawyers always begin by analyzing the policy exactly as it was sold to you and can determine the agent, advisor or broker who sold the contract to you in the first place.

Variable, fixed and indexed annuities and universal life insurance contracts, including those issued by Voya and its subsidiaries, carry fees and withdrawal charges and advertise and produce returns which may not meet your expectations or the rates promised by your salesman. Our attorneys will analyze what you offered, what you were sold, and how your policy has worked in real life.  California law mandates specifics disclosures to senior consumers in particular and our lawyers will analyze whether Voya or any other carrier has satisfied all legal requirements regarding agent and carrier disclosures. When an agent or carrier violates these protections for seniors, the violation may also constitute financial elder abuse entitling the senior to extra damages and recovery of attorneys’ fees and costs incurred in bringing a successful lawsuit against the carrier or agent.

Contact Us

If you live in California and are over age 60 and purchased a Voya Insurance and Annuity Company, Security of Denver Life Insurance Company, Reliastar Life Insurance Company, and Voya Annuity and Life Insurance Company annuity or universal life insurance policy in California within the last four years, contact Ingrid M. Evans and the other annuity attorneys at Evans Law Firm for a free evaluation of your policy at (415) 441-8669, or by email at <a href=””></a>. Our attorneys have experience with complex financial contracts including life insurance and annuity contracts.  We can help guide any litigation through a jury trial or toward an equitable settlement.  We also handle cases involving physical and financial elder abuse, qui tam and whistleblower law, nursing home abuse, whole life insurance and universal life insurance, and indexed, variable, and fixed annuities.

Annuities and life insurance produce large sales commissions for brokers but are often inappropriate products for consumers, especially seniors. Leading providers and distributors of life insurance and fixed, variable and fixed indexed deferred annuities in California, including Voya, are listed below.  We are not in any way suggesting that any of these carriers or distributors has done anything wrong.  Rather, the list is provided solely as a reference for our readers.

AIG/American General Life Insurance Company

Allianz Life Insurance Company of North America

American Equity Investment Life Insurance Company

American General Life Insurance Company/AIG

American International Group, Inc. (AIG)

American National Life Insurance Company

Ameriprise Financial/RiverSource Life Insurance Company

Ameriprise Financial/Securities America, Inc.

Athene Annuity & Life Assurance Company

Athene Annuity and Life Company

Athene USA

Aviva Life Insurance Company

AXA Equitable Financial Services, LLC

AXA Equitable Life Insurance Company/AXA US

AXA Advisors, LLC

Bankers Life Insurance and Casualty Company

Berkshire Hathaway Group

Berkshire Hathaway Life Insurance Company of Nebraska

Brighthouse Financial, Inc./MetLife

Citigroup Global Markets, Inc.

Crump Life Insurance Services, Inc.

CUNA Mutual Group/CMFG Life Insurance Company

Delaware Life Insurance Company

EquiTrust Life Insurance Company

Fidelity & Guaranty Life Insurance Company

Forethought Life Insurance Company/Global Atlantic Financial Group

Genworth Financial, Inc.

Genworth Life and Annuity Insurance Company

Genworth Life Insurance Company

Global Atlantic Financial Group/Forethought Life Insurance Company

Guardian Life Insurance Company

Guggenheim Partners/Security Benefit Life Insurance Company

ING USA Annuity and Life Insurance Company

Jackson National Life Insurance Company

John Hancock Life Insurance Company

Lincoln Benefit Life Company

Lincoln Financial Group

Massachusetts Mutual Life Insurance Company

Merrill Lynch Life Agency Inc.

Metlife/Metropolitan Life Insurance Company/Brighthouse Financial, Inc.

Minnesota Life Insurance Company

National Life Group

National Life Insurance Company/Equity Services, Inc.

National Western Life Insurance Company

Nationwide Life Insurance Company

New York Life Insurance Company

North American Company for Life and Health Insurance

Northwestern Mutual Investment Services, LLC

Northwestern Mutual Life Insurance Company

Northwestern Mutual Wealth Management Company

Oxford Life Insurance Company

Pacific Life Insurance Company

Principal Financial Group

Prudential Life Insurance Company

Raymond James Insurance Group

Reliance Standard Life Insurance Company/Tokio Marine Group

Reliastar Life Insurance Company/Voya Financial

RiverSource Life Insurance Company/Ameriprise Financial

Securities America, Inc./Ameriprise Financial

Security Benefit Group, Inc.

Security Benefit Life Insurance Company/Guggenheim Partners

Security Investors, LLC

Security of Denver Life Insurance Company

The Standard Life Insurance Company

Symetra Financial Corporation

Symetra Life Insurance Company

Transamerica Life Insurance Company

The United States Life Insurance Company in the City of New York

Unum Life Insurance Company of America

USAA Life Insurance Company

The Variable Annuity Life Insurance Company

Voya Annuity and Life Insurance Company

Voya Insurance and Annuity Company

Voya/Reliastar Life Insurance Company

Wells Fargo Advisors

Western & Southern Financial Group

The Western & Southern Life Insurance Company

World Financial Group Insurance Agency, Inc.

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