Voya Retirement Insurance & Annuity S-3 Shelf registration

Exhibit 16(4)(f):  Endorsement (E1-MGAIRA-95-2) to Group Annuity Contract Form No. G1-MGA-95 and Certificate No. G1CC-MGA-95

		Aetna Life Insurance and Annuity Company
Endorsement
This Contract or Certificate is endorsed as follows.
The following provisions apply to a Contract which qualifies as an Individual Retirement Annuity under Internal Revenue Code (Code) Section 408(b).In the case of a conflict with any provision in the Contract, the provisions of this Endorsement control.
1.	TheCertificateHolder and the Annuitant must be the same person.Joint Certificate Holders are not permitted.
2.	The Certificate Holder's Account and the Certificate Holder's rights under the Contract are not transferable. The Certificate Holder may not sell, assign, transfer,pledge or use as collateralfor a loan or as security for the performance of an obligation or for any other purpose, his or her interest in the Contract to any person other than the issuer of the Contract.
3.	TheCertificate Holder's entire interest in the Contract is nonforfeitable.
4.	The Certificate Holder's Account is established for the exclusive benefit of the Certificate Holder or his or her Beneficiary(ies).
5.	The PurchasePayment under this Contract must be a cash rolloveramount under Code Section 402(c), 403(a)(4), 403(b)(3)(8), or 408(d)(3).Aetna may requireverificationthat a rollover amount qualifies as such under the Code. Payments to Simplified Employee Pensionplans andannual deductible and nondeductible contributions to Individual Retirement Annuities are not accepted under the Contract.
6.	The entire interest of the Certificate Holder will be distributed, or begin to bedistributed,no later than the first day of April following the calendar year in which the Certificate Holder attains age 70 1/2 (required beginning date), over:
	(a)	The life of the Certificate Holder, or the lives of the Certificate Holder and his or her designated Beneficiary, or
	(b)	A period certain not extending beyond the lifeexpectancy of the Certificate Holder or the joint and last survivorexpectancy of theCertificate Holder and his or her designated Beneficiary.
	Payments must be made in period payments atintervals of no longer than one year. In addition, payments must be eithernonincreasing or they may increase only as provided in Question and Answer F-3 of Section 1.401(a)(9)-1 of the Proposed Income Tax Regulations.
	Alldistributionsmadehereunder shall be made in accordance with the requirementsof Section401(a)(9) of the Code, including the incidental death benefitrequirements of Section 401(a)(9)(G) of the Code, and the regulations thereunder, including the minimum distribution incidental benefit requirements of Section 1.401(a)(9)-2 of the Proposed Income Tax Regulations.
	Lifeexpectancyis computed by use of the expected returnmultiples in Table V and VI ofSection1.72-9 of the Income TaxRegulations.Life expectancy fordistributions under an Annuity Optionmay not be recalculated.
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7.	Ifdistributionsare to be made under the SystematicWithdrawalOption (SWO) after the required beginning date, a higher amount will be distributed in any year if required under the minimumdistribution requirements of the Code. The minimum amount to be distributed each year, beginning with the first calendar year for whichdistributions are required and then for eachsucceeding calendar year,shall not be less than the quotient obtained by dividing the Current Value as of December 31 of the prior year by the lesser of (1) the applicable life expectancy or (2) if the Certificate Owner's spouse is not the designatedBeneficiary, the applicable divisor determined from the table set forth in Question and Answer 4 of Section 1.401(a)(9)-2 of the Proposed Income Tax Regulations. For purposes of this determination, life expectancy for the initial distributionyear will be calculated based on single life expectancy from Table V or VI of Section 1.72-9 of the IncomeTaxRegulations. Distributionsfor any subsequent year shall be calculated based on such lifeexpectancyreduced by one for each calendar year which has elapsed since the calendar year life expectancy was first calculated.
8.	During the Accumulation Period, the Certificate Holder may elect the Estate Conservation Option (ECO) to receive automatic annual withdrawals of the minimumdistribution required under theCode. Theannual distribution amount will be determined by dividing the Current Value as of

	December31 of the prioryear by the lesser of (1) theapplicable life expectancyrecalculatedeach year in accordance with Question and Answer E-8 of Section1.401(a)(9)-1 of the Proposed Income TaxRegulations, or (2) if the Certificate Holder's spouse is not the designated Beneficiary, the applicable divisor determined from the table set forth in Question and Answer 4 of Section 1.401(a)(9)-2 of the Proposed Income Tax Regulations. For purposes of this determination, life expectancyfor the initial distribution year will be calculated based on theapplicable life expectancy fromTable V or VI of Section1.72-9ofthe Income Tax Regulations.
	Aetna will not impose a Surrender Fee on any portion of the Current Value which is paid as an ECO distribution. The SurrenderFee, if applicable, will apply to any additional amounts withdrawn while ECO is in effect.
	TheCertificateHolder may elect ECO beginningwith the year he or she turns age 70 1/2,but notearlierthan 12 monthsafterreceipt of the Purchase Payment, by submitting a properly completedelection form to Aetna's Home Office. Aetna may require a minimum initial Current Value for the election of ECO.
	The Certificate Holder, or a spousal Beneficiary if ECO is elected after the Certificate Holder's death, may revoke ECO at any time by submitting a written request to Aetna's Home Office. If ECO is revoked, it may not begin again until 36 months have elapsed.
9.	At the death of the Certificate Holder:
	(a)	If theCertificateHolder dies on or afterdistribution of his or her interest has begun, the remainingportion of such interest, if any,will continue to be distributedat least as rapidly as under the method of distribution being used prior to the Certificate Holder's death;
	(b)	If theCertificateHolder dies beforedistribution of his or her interestbegins, the death benefit payable to the Beneficiary will bedistributed no later than December 31 of the calendar year which contains the fifth anniversary of the date of the Certificate Holder'sdeath except to the extentthat anelection is made to receivedistribution under an Annuity option in accordance with (i) or (ii) below.
		(i)	Distributionsto the Beneficiarymay be made in installments over the life of the Beneficiary or over a period not extending beyond the lifeexpectancy of the Beneficiary commencing no laterthan December 31of the calendar year immediately following the calendaryear in which theCertificate Holder died.
			(ii) If the Beneficiary is the Certificate Holder's survivingspouse, and distributions are to be made in accordance with (i) above, distributions must begin on or before the later of December 31 of the calendar year immediately following the calendar year in which the CertificateHolder died or December 31 of the calendar year in which the Certificate Holder would have attained age 70 1/2.
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	A spousalBeneficiary may elect an Annuity option,a lump sum payment or treat the Certificate Holder's Account as his or her own IRA. This election will be deemed to have been made if such surviving spouse makes a rollover to or from such CertificateHolder's Account, or fails to elect any of the above provisions.
	Lifeexpectancyis computed by use of the expectedreturn multiples in Tables V and VI ofSection 1.72-9 of the IncomeTaxRegulations. Life expectancies for distributions under an Annuityoption may not be recalculated.
	Distributionsunder this sectionare considered to have begun if distributionsare made on account of the CertificateHolder reaching the required beginning date, or if prior to the requiredbeginning date, distributions irrevocably commenceover a periodpermitted and in an Annuity option acceptable under Section 1.401(a)(9) of the Proposed Income Tax Regulations.
	If SWO or ECO is in effectand theCertificate Holderdies before the required beginning date for minimum distributions, payments will cease and theBeneficiarymay claim the death benefit in accordance with the terms of this Section.
	If SWO or ECO is in effect and theCertificateHolderdies after the requiredbeginning date for minimumdistributions,theBeneficiary may elect to continuepayments, if permitted by Section1.401(a)(9) of the Proposed IncomeTax Regulations, or may claim the death benefit in accordance with the terms of this Section.
10. Aetna will furnish annualcalendar year reports concerning the status of

the Certificate Holder's Account.
11. After two fullconsecutiveCertificate years, and upon 90 days written notice to theCertificateHolder, Aetna may terminate the Certificate Holder's Account if the paid-up Annuity benefit at maturity would be less than $20 per month.
/s/Dan Kearney President Aetna Life Insurance and Annuity Company
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