Voya Financial : 2021 Investor Day

Forward-looking and other cautionary statements

This presentation and the remarks made orally contain forward-looking statements. The company does not assume any obligation to revise or update these statements to reflect new information, subsequent events or changes in strategy. Forward-looking statements include statements relating to future developments in our business or expectations for our future financial performance and any statement not involving a historical fact. Forward-looking statements use words such as "anticipate," "believe," "estimate," "expect," "intend," "plan," and other words and terms of similar meaning in connection with a discussion of future operating or financial performance. Actual results, performance or events may differ materially from those projected in any forward-looking statement due to, among other things, (i) general economic conditions, particularly economic conditions in our core markets, (ii) performance of financial markets, (iii) the frequency and severity of insured loss events, (iv) the effects of natural or man-made disasters, including pandemic events and specifically the current COVID-19 pandemic event, (v) mortality and morbidity levels, (vi) persistency and lapse levels, (vii) interest rates, (viii) currency exchange rates, (ix) general competitive factors, (x) changes in laws and regulations, such as those relating to Federal taxation, state insurance regulations and NAIC regulations and guidelines, (xi) changes in the policies of governments and/or regulatory authorities, and (xii) our ability to successfully manage the separation of our individual life business on the expected timeline and economic terms. Factors that may cause actual results to differ from those in any forward-looking statement also include those described under "Risk Factors" and "Management's Discussion and Analysis of Results of Operations and Financial Condition ("MD&A") - Trends and Uncertainties" in our Annual Report on Form 10-K for the year ended December 31, 2020, as filed with the Securities and Exchange Commission ("SEC") on March 1, 2021, and in our Quarterly Report on Form 10-Q for the three months ended September 30, 2021, as filed with the SEC on November 4, 2021.

This presentation and the remarks made orally contain certain non-GAAP financial measures, as identified herein. Non-GAAP measures include Adjusted Operating Earnings and Adjusted Operating Margin. Information regarding these and other non-GAAP financial measures, including reconciliations to the most directly comparable GAAP financial measures, is provided in the Appendix to this presentation or in our quarterly earnings press releases and in our quarterly investor supplements, all of which are available at the Investor Relations section of Voya Financial's website at investors.voya.com.

This presentation contains certain projections of non-GAAP financial measures. Projections of such non-GAAP financial measures, as well as projections of the most closely comparable GAAP financial measures, include factors that are both difficult to predict and not within Voya Financial's control such as future interest rate and equity market prices. As a result, any reconciliations of such non-GAAP financial measures would not be possible without unreasonable effort.

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Agenda

Mike Katz

Welcome Remarks	EVP, Finance, Strategy, and Investor Relations	5 minutes
Mei Ni Chu
	AVP, Investor Relations
Voya's Next Chapter	Rod Martin	10 minutes
	Chairman and Chief Executive Officer
Growth Office	Charlie Nelson	10 minutes
	Vice Chairman and Chief Growth Officer
Wealth Solutions	Heather Lavallee	10 minutes
	CEO, Wealth Solutions
Health Solutions	Rob Grubka	10 minutes
	CEO, Health Solutions
Break		15 Minutes
Investment Management	Christine Hurtsellers	10 minutes
	CEO, Investment Management
Financial Update	Mike Smith	10 minutes
	Vice Chairman and Chief Financial Officer
All Speaker Q&A	All Presenters	45 minutes
Closing Remarks	Rod Martin	5 minutes
	Chairman and Chief Executive Officer

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