Voya Reliastar: Applying For Life Insurance Simplified

Voya Financial, formerly known as ING U.S. Life Companies, offers life insurance and retirement products to its customers. The company was rebranded from ING U.S. to Voya Financial, which consists of premier retirement, investment, and insurance companies. Voya Financial has decided to stop selling term life insurance and guaranteed universal life products, and will only offer non-guaranteed universal life insurance moving forward.

ReliaStar Life Insurance Company is a subsidiary of Voya Financial, providing a range of life insurance products. ReliaStar has an A financial rating from AM Best rating service and an A- rating from Standard & Poor's financial strength rating service.

Voya/ReliaStar offers various life insurance policies, including term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, and survivorship life insurance. These policies are designed to meet diverse needs, with customizable plans and value-added options.

To apply for Voya/ReliaStar life insurance, you can start by contacting a licensed insurance agent or broker who works with the company. They can provide information about available policies, assess your insurance needs, and guide you through the application process. You can also visit the Voya website to find more information about their products and services.

How to apply for Voya Reliastar Life Insurance online

Voya Financial is a financial services company that provides retirement, investment, and insurance products. Voya was formerly known as ING U.S. Life Companies, which sold life insurance under Reliastar Life Insurance.

Voya Financial has decided to stop selling term life insurance and guaranteed universal life products. Therefore, Voya is no longer in the life insurance business.

If you have a Voya Life Insurance product and are concerned about your policy's future performance, you may consider getting a new quote from an A+ rated carrier. You can also call the Voya customer service number to learn more about your existing policy.

• Hours: 9:00 am to 7:00 pm ET, Monday through Friday
• Hours: 9:00 am to 6:30 pm ET, Monday through Friday

To apply for Voya Reliastar Life Insurance online, you can follow these steps:

• Visit the Voya website: The first step is to visit the official Voya website at www.voya.com. On the website, you can find information about their insurance products and services.
• Review the insurance options: Voya offers various types of life insurance, including whole life insurance, universal life insurance, and survivorship life insurance. Review the different options to see which one best suits your needs.
• Contact a licensed insurance agent: To purchase life insurance from Voya, you will need to work with a licensed insurance agent or broker who represents Voya. You can find a licensed agent or broker by searching for one in your area or through recommendations from family and friends.
• Assess your insurance needs: The insurance agent will help you assess your insurance needs and determine the type of coverage that is right for you. They will also answer any questions you may have about the different policies.
• Complete the application process: The agent will guide you through the application process, which may include providing personal information, answering health questions, and undergoing a medical exam if required.
• Provide payment information: As part of the application process, you will need to set up payment information for your premiums. Voya may offer different payment options, such as monthly or annual payments.
• Review and sign the policy: Once you have completed the application and provided all the necessary information, carefully review the policy details, including the coverage amounts, exclusions, and any additional riders or benefits. If you have any questions or concerns, be sure to discuss them with your agent before signing the policy.
• Manage your policy online: After your policy is in place, you can manage it online through Voya's online portal. This allows you to view policy details, make premium payments, update beneficiary information, and access policy documents conveniently.

It is important to note that the availability of Voya's insurance products and services may vary by state. Therefore, it is recommended to check with Voya or a licensed insurance agent to confirm the specific options available in your location.

How to apply for Voya Reliastar Life Insurance by mail

Voya Financial is a financial services company that provides retirement, investment, and insurance products. Voya Financial was formerly known as ING U.S. Life Companies, which sold life insurance under Reliastar Life Insurance.

Voya Financial has decided to stop selling term life insurance and guaranteed universal life products. However, Voya continues to offer non-guaranteed universal life insurance.

To apply for Voya Reliastar Life Insurance by mail, you can request an application packet by phone or online. After submitting your request, allow 3 business days to receive your application by secure email or 7-10 business days to receive it by mail.

Once you have received your application, complete, sign, and mail it to the following address:

ReliaStar Life Insurance Company or ReliStar Life Insurance Company of New York

P.O. Box 122

Minneapolis, MN 55440-0122

After mailing your application, here is what you can expect:

• Within 4 business days: Your coverage is set up in the Voya system.
• Within 5 business days: Your initial payment is processed. If you set up Electronic Funds Transfer (EFT), future payments will be automatically made on the selected day. If you did not set up EFT, you will receive a bill within 7 to 10 business days via USPS.
• Within 7 to 10 business days: You will receive a confirmation letter via USPS.

Please note that all non-EFT payments may include a $3.50 processing fee for each payment.

How to apply for Voya Reliastar Life Insurance by phone

Voya Financial, formerly known as ING U.S. Life Companies, offers a range of life insurance products, including term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, and survivorship life insurance.

To apply for Voya Reliastar Life Insurance by phone, follow these steps:

• Contact Voya Customer Service at 866-760-3610. Their phone lines are open Monday through Friday from 8:00 AM to 7:00 PM CT.
• Request to apply for Voya Reliastar Life Insurance.
• Provide the necessary personal information, such as your name, date of birth, address, and social security number.
• Answer health-related questions to assess your eligibility for the insurance. You may be asked about your medical history, any pre-existing conditions, and your lifestyle choices.
• Choose the type of life insurance plan that best suits your needs, such as term life insurance or whole life insurance.
• Provide details about the coverage amount, beneficiaries, and any additional riders or add-ons you want to include in your policy.
• Review the terms and conditions of the policy carefully before finalizing the application.
• Provide your payment information to set up the premium payments. You can choose to pay directly from your checking account or set up an Electronic Funds Transfer (EFT).
• Confirm your application and coverage details with the customer service representative.
• You should receive a confirmation letter within 7 to 10 business days via USPS, outlining the next steps and providing additional information about your policy.

Please note that applying by phone is not available for Group Term Life or Whole Life Insurance. Additionally, Voya Reliastar Life Insurance may not be available in all states, so be sure to confirm the availability in your state before initiating the application process.

Voya Reliastar Life Insurance application processing times

Voya Financial, formerly known as ING U.S. Life Companies, offers a range of life insurance products, including term life insurance, whole life insurance, universal life insurance, and survivorship life insurance. The company was founded in 1885 and has undergone several name changes and rebranding efforts over the years.

As of 2025, Voya Financial has stopped selling term life insurance and guaranteed universal life products, and now only offers non-guaranteed universal life insurance. This means that the company is no longer accepting new applications for term life insurance or guaranteed universal life insurance policies.

For those who already have a Voya life insurance policy, the company provides customer service and support to manage their policies. Policyholders can access their policies and make payments online through the Voya website.

Regarding application processing times, Voya Financial is known for offering fast term life insurance application processing. When applying for a new policy, individuals typically work with a licensed insurance agent or broker who can provide information about available policies, help assess insurance needs, and guide them through the application process.

Once the application is submitted, the processing time can vary depending on the specific type of insurance and the company's current workload. In general, it is common for life insurance applications to take a few weeks to several months for final approval, depending on the complexity of the case and any additional requirements.

After submitting an application, individuals can expect to receive updates and notifications from Voya regarding the status of their application. It is important to provide accurate and complete information during the application process to avoid delays.

In summary, while Voya Financial has discontinued the sale of certain life insurance products, they continue to service existing policies and offer fast application processing times for their available insurance options. For specific details on application processing times for a particular type of insurance, it is recommended to contact Voya Financial directly or work with a licensed insurance agent or broker.

Voya Reliastar Life Insurance application fees

Voya Financial, formerly known as ING U.S. Life Companies, offers a range of life insurance products, including term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, and survivorship life insurance.

Application Fees

Voya Financial has not disclosed any specific application fees for its life insurance products. However, there may be costs associated with purchasing a life insurance policy from Voya Financial, such as premiums, which are regular payments made to maintain the policy. It is important to carefully review the terms and conditions of the policy, as well as any associated fees or charges, before submitting an application.

Application Process

To apply for Voya Reliastar Life Insurance, you can follow these steps:

• Contact a licensed insurance agent or broker who works with Voya Financial. They can provide information about available policies, help assess your insurance needs, and guide you through the application process.
• Complete the application form: You may be required to provide personal information, answer health questions, and undergo a medical examination or evaluation.
• Submit the application: You can submit the application by mail or online, depending on the specific instructions provided by Voya Financial or your insurance agent.
• Wait for underwriting: After submitting your application, Voya Financial will review your information and assess the risk associated with insuring you. This process is known as underwriting and may involve additional questions or requests for information.
• Receive a decision: Once the underwriting process is complete, Voya Financial will inform you of their decision to approve or deny your application. If approved, you will receive a policy document outlining the terms and conditions of your coverage.

It is important to note that Voya Financial may have specific eligibility requirements and application processes for each type of life insurance product they offer. Therefore, it is recommended to consult with a licensed insurance professional or refer to the official Voya Financial website for the most accurate and up-to-date information regarding application fees and the application process.

Frequently asked questions