Venerable Holdings is a company that reinsures annuity products sold by other providers. In recent years, the company has acquired annuities from insurance and financial companies who no longer sell annuities, such as Voya Financial and John Hancock.

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Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

About Venerable

Venerable Holdings is relatively new to the insurance and annuity business, having been established in 2018. Since then, Venerable has grown with its acquisition of the Voya Insurance and Annuity Company (VIAC), the company’s annuity business line. In 2019, VIAC changed its name to Venerable Insurance and Annuity Company.

Venerable’s annuity holdings grew further in 2020, when the company acquired $12 billion in variable annuity business from Equitable Financial Life Insurance Company. In 2021, Venerable completed a transaction with Canada-based Manulife Financial Corporation to reinsure approximately $22 billion of variable annuity business from Manulife’s U.S. subsidiary John Hancock.

Did You Know?
If you own a Venerable or a Voya annuity, you can contact customer support at one of these numbers based on the type of annuity you own:

Fixed annuities: (800) 369-5303

Variable annuities: (800) 366-0066

Credit Ratings

Insurance and annuity companies like Venerable Holdings receive credit ratings, or financial strength ratings, from independent agencies. These scores give customers an idea of the annuity provider’s overall financial stability, and the likelihood that the company will be able to meet its obligations.

Venerable Insurance and Annuity Company, the subsidiary of Venerable Holdings that provides annuities, has received an A- financial strength rating from Kroll Bond Rating Agency (KBRA). KBRA is a full-service credit rating agency and is recognized as a Credit Rating Provider by the National Association of Insurance Commissioners.

Annuities Offered by Venerable

Venerable Insurance and Annuity Company operates primarily as a reinsurance company for other annuity providers. As such, the company does not sell annuities directly to consumers. The types of annuities Venerable reinsures include fixed and variable annuities.

Fixed Annuities

When you purchase a fixed annuity, you pay an initial premium that grows at a fixed rate over time. When your fixed annuity matures, the premium plus the interest it has accumulated are converted into a stream of income payments you can receive for the rest of your life.

The Voya fixed annuities that Venerable now manages are part of the Voya Quest series. These products are fixed indexed annuities, meaning they earn interest two ways: a fixed rate and a rate tied to the growth of an equity market index. The Quest series products offer the choice of a five-, seven- or ten-year contract schedule.

Variable Annuities

Many of the annuities Venerable insures are variable annuities. These products are considered riskier than fixed annuities but provide the potential for greater returns.

When you purchase a variable annuity, the lump sum premium is then allocated to a portfolio of investment products such as mutual funds. The value of the annuity is then tied to the performance of the investment portfolio.

The growth of a variable annuity usually isn’t capped the way a fixed indexed annuity’s growth is, so variable annuities benefit more from strong market years. In weak years, however, the variable annuity may not see any increase in value, while a fixed or fixed indexed annuity will still earn interest from the fixed rate.

Venerable insures variable annuities from a variety of companies, including John Hancock, a subsidiary of Manulife Financial. In 2021, Venerable agreed to reinsure over 163,000 variable annuities that were sold by John Hancock before the company halted its annuity sales in 2012.

Interested in Buying an Annuity?
Learn about the different types of annuities and find out which one is right for you.

Client Resources

Customers whose annuities are managed by Venerable can access their annuity policy information online on MyVenerable, the company’s online customer portal. The first time a customer logs in, they’ll need to register their account. To do so, the customer must have their contract or account number as well as identification such as their Social Security number or Tax ID number.

Venerable also provides answers to frequently asked questions on their FAQ Page. For any questions not answered on the website, Venerable has a customer service email address,, that customers can contact.

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

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Last Modified: May 27, 2022

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  2. Business Wire. (2021, June 1). KBRA Assigns A- Rating to Corporate Solutions Life Reinsurance Company and Affirms Ratings on Venerable Holdings, Inc. and VIAC. Retrieved from
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  5. Venerable Holdings. (n.d.) Frequently Asked Questions (FAQs) – For All Users. Retrieved from
  6. Voya Financial. (2016, June 13). Voya Financial Adds New Series of Fixed Indexed Annuities to Its Broad Suite of Retirement Solutions. Retrieved from