Exhibit 16(5)
VOYA LETTERHEAD
LEGAL/PRODUCT FILING UNIT
ONE ORANGE WAY, C2N
WINDSOR, CT 06094-4774
PETER M. SCAVONGELLI
SENIOR COUNSEL
PHONE: (860) 580-1631 | EMAIL: PETER.SCAVONGELLI@VOYA.COM
BY EDGARLINK
June 19, 2020
Securities and Exchange Commission
100 F. Street, NE
Washington, DC 20549
Attention: Filing Desk
Re: | Voya Retirement Insurance and Annuity Company Registration Statement on Form S-3 Prospectus Title: Guaranteed Accumulation Account File No.: 333-_______ |
Ladies and Gentlemen:
As Counsel to Voya Retirement Insurance and Annuity Company (the “Company”), a Connecticut life insurance company, I have represented the Company in connection with the Guaranteed Accumulation Account (the “Account”) available under certain variable annuity contracts and the S-3 Registration Statement relating to such Account.
In connection with this opinion, I have reviewed the Registration Statement on Form S-3 relating to such Account, including the prospectus, and relevant proceedings of the Board of Directors.
Based upon this review, and assuming the securities represented by the Company are issued in accordance with the provisions of the prospectus, I am of the opinion that the securities, when sold, will have been legally issued, and will constitute a legal and binding obligation of the Company.
I further consent to the use of this opinion as an exhibit to the Registration Statement.
Very truly yours,
/s/Peter M. Scavongelli Peter M. Scavongelli |
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