Voya Financial, Inc. operates as a retirement, investment, and insurance company in the United States. It operates through five segments: Retirement, Investment Management, Annuities, Individual Life, and Employee Benefits. The Retirement segment offers tax-deferred employer-sponsored retirement savings plans and administrative services in corporate, education, healthcare, and other non-profit and government entities; and rollover individual retirement accounts and other retail financial products, as well as financial planning and advisory services. This segment sells its products to corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers; and through third-party administrators, wirehouse affiliated brokers, registered investment advisors, independent sales agents, and consulting firms. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual and institutional customers directly, as well as through consultant channel, banks, broker-dealers, and independent financial advisers. The Annuities segment offers fixed and indexed annuities, tax-qualified mutual fund custodial products, and other investment-only products and payout annuities through independent marketing organizations, independent and affiliated broker-dealers, banks, independent insurance agents, and pension products. The Individual Life segment provides wealth protection and transfer opportunities through universal, variable, and term life products. The Employee Benefits segment offers stop loss, group life, voluntary employee-paid, and disability products through consultants, brokers, third-party administrators, enrollment firms, and technology partners. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was incorporated in 1999 and is based in New York, New York.