The Voya Wealth Builder Plus Fixed Index Annuity participates in the potential performance of a market index, up to a percentage cap, but it does not participate directly in the stock market. Indexes are unmanaged and may not be invested in directly. While the Voya Welath Builder Plus Fixed Index Annuity can potentially serve as a strategy to avoid losses and mitigate market risk associated with participating directly in the stock market, index annuities may lose value. The Voya Wealth Builder Plus Fixed Index Annuity includes a current rider with a charge of .85%. In years when the index performance is zero or negative, it will incur a loss equal to the rider charge. Index annuities are long-term strategies, and may not be suitable for all clients. Before investing in an index annuity, discuss liquidity needs and suitability standards with your financial advisor to determine if an index annuity is appropriate for you. SagePoint Financial and Voya Financial are not affiliated.