<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e213d-2635-7167-b4d5-9c61aac160c0,g:6b323f12-802c-4996-9897-c0721ca8fb71-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:vriac="http://www.voya.com/20260630" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.voya.com/20260630">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vriac-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vriac-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vriac-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vriac-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="DocumentandEntityInformation" roleURI="http://www.voya.com/role/DocumentandEntityInformation">
        <link:definition>0000001 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedBalanceSheets" roleURI="http://www.voya.com/role/CondensedConsolidatedBalanceSheets">
        <link:definition>9952151 - Statement - Condensed Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedBalanceSheetsParenthetical" roleURI="http://www.voya.com/role/CondensedConsolidatedBalanceSheetsParenthetical">
        <link:definition>9952152 - Statement - Condensed Consolidated Balance Sheets Parenthetical</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofOperations" roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofOperations">
        <link:definition>9952153 - Statement - Condensed Consolidated Statements of Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofComprehensiveIncome" roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofComprehensiveIncome">
        <link:definition>9952154 - Statement - Condensed Consolidated Statements of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofChangesinShareholdersEquity" roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofChangesinShareholdersEquity">
        <link:definition>9952155 - Statement - Condensed Consolidated Statements of Changes in Shareholder's Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofCashFlows" roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofCashFlows">
        <link:definition>9952156 - Statement - Condensed Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessBasisofPresentationandSignificantAccountingPolicies" roleURI="http://www.voya.com/role/BusinessBasisofPresentationandSignificantAccountingPolicies">
        <link:definition>9952157 - Disclosure - Business, Basis of Presentation and Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Investments" roleURI="http://www.voya.com/role/Investments">
        <link:definition>9952158 - Disclosure - Investments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstruments" roleURI="http://www.voya.com/role/DerivativeFinancialInstruments">
        <link:definition>9952159 - Disclosure - Derivative Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.voya.com/role/FairValueMeasurements">
        <link:definition>9952160 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DeferredPolicyAcquisitionCostsandValueofBusinessAcquired" roleURI="http://www.voya.com/role/DeferredPolicyAcquisitionCostsandValueofBusinessAcquired">
        <link:definition>9952161 - Disclosure - Deferred Policy Acquisition Costs and Value of Business Acquired</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforFuturePolicyBenefitsandContractOwnerAccountBalances" roleURI="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalances">
        <link:definition>9952162 - Disclosure - Reserves for Future Policy Benefits and Contract Owner Account Balances</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Reinsurance" roleURI="http://www.voya.com/role/Reinsurance">
        <link:definition>9952163 - Disclosure - Reinsurance</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SeparateAccountLiability" roleURI="http://www.voya.com/role/SeparateAccountLiability">
        <link:definition>9952164 - Disclosure - Separate Account Liability</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherIncomeandExpenses" roleURI="http://www.voya.com/role/OtherIncomeandExpenses">
        <link:definition>9952165 - Disclosure - Other Income and Expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RevenuefromContractwithCustomer" roleURI="http://www.voya.com/role/RevenuefromContractwithCustomer">
        <link:definition>9952166 - Disclosure - Revenue from Contract with Customer</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.voya.com/role/IncomeTaxes">
        <link:definition>9952167 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancingAgreements" roleURI="http://www.voya.com/role/FinancingAgreements">
        <link:definition>9952168 - Disclosure - Financing Agreements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingencies" roleURI="http://www.voya.com/role/CommitmentsandContingencies">
        <link:definition>9952169 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedParty" roleURI="http://www.voya.com/role/RelatedParty">
        <link:definition>9952170 - Disclosure - Related Party</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessBasisofPresentationandSignificantAccountingPoliciesPolicies" roleURI="http://www.voya.com/role/BusinessBasisofPresentationandSignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - Disclosure - Business, Basis of Presentation and Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccountingPoliciesTables" roleURI="http://www.voya.com/role/AccountingPoliciesTables">
        <link:definition>9955512 - Disclosure - Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsTables" roleURI="http://www.voya.com/role/InvestmentsTables">
        <link:definition>9955513 - Disclosure - Investments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsTables" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsTables">
        <link:definition>9955514 - Disclosure - Derivative Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.voya.com/role/FairValueMeasurementsTables">
        <link:definition>9955515 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredTables" roleURI="http://www.voya.com/role/DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredTables">
        <link:definition>9955516 - Disclosure - Deferred Policy Acquisition Costs and Value of Business Acquired (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesTables" roleURI="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesTables">
        <link:definition>9955517 - Disclosure - Reserves for Future Policy Benefits and Contract Owner Account Balances (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SeparateAccountLiabilityTables" roleURI="http://www.voya.com/role/SeparateAccountLiabilityTables">
        <link:definition>9955518 - Disclosure - Separate Account Liability (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherIncomeandExpensesTables" roleURI="http://www.voya.com/role/OtherIncomeandExpensesTables">
        <link:definition>9955519 - Disclosure - Other Income and Expenses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RevenuefromContractwithCustomerTables" roleURI="http://www.voya.com/role/RevenuefromContractwithCustomerTables">
        <link:definition>9955520 - Disclosure - Revenue from Contract with Customer (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesTables" roleURI="http://www.voya.com/role/CommitmentsandContingenciesTables">
        <link:definition>9955521 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessBasisofPresentationandSignificantAccountingPoliciesDetails" roleURI="http://www.voya.com/role/BusinessBasisofPresentationandSignificantAccountingPoliciesDetails">
        <link:definition>9955522 - Disclosure - Business, Basis of Presentation and Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsFixedMaturitiesandEquitySecuritiesDetails" roleURI="http://www.voya.com/role/InvestmentsFixedMaturitiesandEquitySecuritiesDetails">
        <link:definition>9955523 - Disclosure - Investments - Fixed Maturities and Equity Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsDebtMaturitiesDetails" roleURI="http://www.voya.com/role/InvestmentsDebtMaturitiesDetails">
        <link:definition>9955524 - Disclosure - Investments - Debt Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsRepurchaseAgreementSecuritiesLendingVIEsDetails" roleURI="http://www.voya.com/role/InvestmentsRepurchaseAgreementSecuritiesLendingVIEsDetails">
        <link:definition>9955525 - Disclosure - Investments - Repurchase Agreement, Securities Lending, VIEs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsAllowanceforcreditlossesDetails" roleURI="http://www.voya.com/role/InvestmentsAllowanceforcreditlossesDetails">
        <link:definition>9955526 - Disclosure - Investments - Allowance for credit losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsUnrealizedCapitalLossesDetails" roleURI="http://www.voya.com/role/InvestmentsUnrealizedCapitalLossesDetails">
        <link:definition>9955527 - Disclosure - Investments - Unrealized Capital Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsLoansbyLoantoValueDetails" roleURI="http://www.voya.com/role/InvestmentsLoansbyLoantoValueDetails">
        <link:definition>9955528 - Disclosure - Investments - Loans by Loan to Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsLoansbyDebtServiceCoverageRatioDetails" roleURI="http://www.voya.com/role/InvestmentsLoansbyDebtServiceCoverageRatioDetails">
        <link:definition>9955529 - Disclosure - Investments - Loans by Debt Service Coverage Ratio (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsLoansbyUSRegionDetails" roleURI="http://www.voya.com/role/InvestmentsLoansbyUSRegionDetails">
        <link:definition>9955530 - Disclosure - Investments - Loans by U.S. Region (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsLoansbyPropertyTypeDetails" roleURI="http://www.voya.com/role/InvestmentsLoansbyPropertyTypeDetails">
        <link:definition>9955531 - Disclosure - Investments - Loans by Property Type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsAllowanceforLossesforCommercialMortgageLoansDetails" roleURI="http://www.voya.com/role/InvestmentsAllowanceforLossesforCommercialMortgageLoansDetails">
        <link:definition>9955532 - Disclosure - Investments - Allowance for Losses for Commercial Mortgage Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsPastduecommercialmortgageloansDetails" roleURI="http://www.voya.com/role/InvestmentsPastduecommercialmortgageloansDetails">
        <link:definition>9955533 - Disclosure - Investments - Past due commercial mortgage loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNetInvestmentIncomeDetails" roleURI="http://www.voya.com/role/InvestmentsNetInvestmentIncomeDetails">
        <link:definition>9955534 - Disclosure - Investments - Net Investment Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNetRealizedCapitalGainsLossesDetails" roleURI="http://www.voya.com/role/InvestmentsNetRealizedCapitalGainsLossesDetails">
        <link:definition>9955535 - Disclosure - Investments - Net Realized Capital Gains (Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsProceedsandGrossGainsLossesDetails" roleURI="http://www.voya.com/role/InvestmentsProceedsandGrossGainsLossesDetails">
        <link:definition>9955536 - Disclosure - Investments - Proceeds and Gross Gains/(Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNarrativeDetails" roleURI="http://www.voya.com/role/InvestmentsNarrativeDetails">
        <link:definition>9955537 - Disclosure - Investments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsNotionalandFairValuesDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsNotionalandFairValuesDetails">
        <link:definition>9955538 - Disclosure - Derivative Financial Instruments - Notional and Fair Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails">
        <link:definition>9955539 - Disclosure - Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectonOtherComprehensiveIncomeLossDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectonOtherComprehensiveIncomeLossDetails">
        <link:definition>9955540 - Disclosure - Derivative Financial Instruments - Effect on Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectonOtherComprehensiveIncomeLossDetails_1" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectonOtherComprehensiveIncomeLossDetails_1">
        <link:definition>9955540 - Disclosure - Derivative Financial Instruments - Effect on Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectofQualifyingHedgeAccountingDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectofQualifyingHedgeAccountingDetails">
        <link:definition>9955541 - Disclosure - Derivative Financial Instruments - Effect of Qualifying Hedge Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectofQualifyingHedgeAccountingDetails_1" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectofQualifyingHedgeAccountingDetails_1">
        <link:definition>9955541 - Disclosure - Derivative Financial Instruments - Effect of Qualifying Hedge Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectofNonQualifyingHedgeAccountingDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectofNonQualifyingHedgeAccountingDetails">
        <link:definition>9955542 - Disclosure - Derivative Financial Instruments - Effect of Non-Qualifying Hedge Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsEffectofNonQualifyingHedgeAccountingDetails_1" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsEffectofNonQualifyingHedgeAccountingDetails_1">
        <link:definition>9955542 - Disclosure - Derivative Financial Instruments - Effect of Non-Qualifying Hedge Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsNarrativeDetails" roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsNarrativeDetails">
        <link:definition>9955543 - Disclosure - Derivative Financial Instruments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasurementDetails" roleURI="http://www.voya.com/role/FairValueMeasurementsFairValueMeasurementDetails">
        <link:definition>9955544 - Disclosure - Fair Value Measurements - Fair Value Measurement (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsLevel3FinancialInstrumentsDetails" roleURI="http://www.voya.com/role/FairValueMeasurementsLevel3FinancialInstrumentsDetails">
        <link:definition>9955545 - Disclosure - Fair Value Measurements - Level 3 Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsOtherFinancialInstrumentsDetails" roleURI="http://www.voya.com/role/FairValueMeasurementsOtherFinancialInstrumentsDetails">
        <link:definition>9955546 - Disclosure - Fair Value Measurements - Other Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredRollforwardDetails" roleURI="http://www.voya.com/role/DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredRollforwardDetails">
        <link:definition>9955547 - Disclosure - Deferred Policy Acquisition Costs and Value of Business Acquired - Rollforward (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesDetails" roleURI="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesDetails">
        <link:definition>9955548 - Disclosure - Reserves for Future Policy Benefits and Contract Owner Account Balances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceAssetsandLiabilitiesDetails" roleURI="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails">
        <link:definition>9955549 - Disclosure - Reinsurance - Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceAssetsandLiabilitiesDetails_1" roleURI="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails_1">
        <link:definition>9955549 - Disclosure - Reinsurance - Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceEffectofReinsuranceDetails" roleURI="http://www.voya.com/role/ReinsuranceEffectofReinsuranceDetails">
        <link:definition>9955550 - Disclosure - Reinsurance - Effect of Reinsurance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SeparateAccountLiabilityDetails" roleURI="http://www.voya.com/role/SeparateAccountLiabilityDetails">
        <link:definition>9955551 - Disclosure - Separate Account Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeLossComponentsofAOCIDetails" roleURI="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossComponentsofAOCIDetails">
        <link:definition>9955552 - Disclosure - Accumulated Other Comprehensive Income (Loss) - Components of AOCI (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails" roleURI="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails">
        <link:definition>9955553 - Disclosure - Accumulated Other Comprehensive Income (Loss) - Changes in AOCI, including Reclassification Adjustments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RevenuefromContractwithCustomerDetails" roleURI="http://www.voya.com/role/RevenuefromContractwithCustomerDetails">
        <link:definition>9955554 - Disclosure - Revenue from Contract with Customer (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesNarrativeDetails" roleURI="http://www.voya.com/role/IncomeTaxesNarrativeDetails">
        <link:definition>9955555 - Disclosure - Income Taxes - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancingAgreementsNarrativeDetails" roleURI="http://www.voya.com/role/FinancingAgreementsNarrativeDetails">
        <link:definition>9955556 - Disclosure - Financing Agreements - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesNarrativeDetails" roleURI="http://www.voya.com/role/CommitmentsandContingenciesNarrativeDetails">
        <link:definition>9955557 - Disclosure - Commitments and Contingencies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesRestrictedAssetsDetails" roleURI="http://www.voya.com/role/CommitmentsandContingenciesRestrictedAssetsDetails">
        <link:definition>9955558 - Disclosure - Commitments and Contingencies - Restricted Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyNarrativeDetails" roleURI="http://www.voya.com/role/RelatedPartyNarrativeDetails">
        <link:definition>9955559 - Disclosure - Related Party - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="vriac_AvailableForSaleDebtSecuritiesExcludingSecuritiesValuedAtFairValueOption" abstract="false" name="AvailableForSaleDebtSecuritiesExcludingSecuritiesValuedAtFairValueOption" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesDebtSecuritiesUsingFairValueOption" abstract="false" name="AvailableForSaleSecuritiesDebtSecuritiesUsingFairValueOption" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesAmortizedCost" abstract="false" name="AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_InterestCreditedAndOtherPolicyholderBenefits" abstract="false" name="InterestCreditedAndOtherPolicyholderBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ReservesForFuturePolicyBenefitsAndContractOwnerBalancesAbstract" abstract="true" name="ReservesForFuturePolicyBenefitsAndContractOwnerBalancesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_ScheduleofSecuritiesBorrowedUnderSecuritiesLendingTransactionsTableTextBlock" abstract="false" name="ScheduleofSecuritiesBorrowedUnderSecuritiesLendingTransactionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_MortgageLoansbyLoantoValueRatioTableTextBlock" abstract="false" name="MortgageLoansbyLoantoValueRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_MortgageLoansbyDebtServiceCoverageRatioTableTextBlock" abstract="false" name="MortgageLoansbyDebtServiceCoverageRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_MortgageLoansByGeographicLocationOfCollateralTableTextBlock" abstract="false" name="MortgageLoansByGeographicLocationOfCollateralTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_MortgageLoansByPropertyTypeOfCollateralTableTextBlock" abstract="false" name="MortgageLoansByPropertyTypeOfCollateralTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" abstract="false" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_FinancialInstrumentsNotCarriedAtFairValueTableTextBlock" abstract="false" name="FinancialInstrumentsNotCarriedAtFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredTableTextBlock" abstract="false" name="DeferredPolicyAcquisitionCostsandValueofBusinessAcquiredTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="vriac_ScheduleOfAvailableForSaleIncludingSecuritiesPledgedTable" abstract="true" name="ScheduleOfAvailableForSaleIncludingSecuritiesPledgedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_ForeignCorporatePublicSecuritiesandForeignGovernmentsMember" abstract="true" name="ForeignCorporatePublicSecuritiesandForeignGovernmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_OneAmericaMember" abstract="true" name="OneAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesIncludingSecuritiesPledgedLineItems" abstract="true" name="AvailableForSaleSecuritiesIncludingSecuritiesPledgedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_AvailableForSaleLessSecuritiesPledgedDebtSecuritiesAmortizedCostBasis" abstract="false" name="AvailableForSaleLessSecuritiesPledgedDebtSecuritiesAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesUnrecognizedHoldingGain" abstract="false" name="AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesUnrecognizedHoldingGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesUnrecognizedHoldingGain" abstract="false" name="AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesUnrecognizedHoldingGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesUnrecognizedHoldingLoss" abstract="false" name="AvailableForSaleSecuritiesPledgedAsCollateralDebtSecuritiesUnrecognizedHoldingLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesFairValueDisclosure" abstract="false" name="AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesUnrecognizedHoldingLoss" abstract="false" name="AvailableForSaleSecuritiesLessSecuritiesPledgedDebtSecuritiesUnrecognizedHoldingLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PayablesUnderSecuritiesLoanAgreementsMember" abstract="true" name="PayablesUnderSecuritiesLoanAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FixedMaturitiesAverageDuration" abstract="false" name="FixedMaturitiesAverageDuration" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="vriac_ScheduleOfLoansByLoanToValueRatioTable" abstract="true" name="ScheduleOfLoansByLoanToValueRatioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioRangeOneMember" abstract="true" name="LoansReceivableLoanToValueRatioRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioRangeTwoMember" abstract="true" name="LoansReceivableLoanToValueRatioRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioRangeThreeMember" abstract="true" name="LoansReceivableLoanToValueRatioRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioRangeFourMember" abstract="true" name="LoansReceivableLoanToValueRatioRangeFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_DebtServiceCoverageRatioRangeAxis" abstract="true" name="DebtServiceCoverageRatioRangeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_DebtServiceCoverageRatioRangeDomain" abstract="true" name="DebtServiceCoverageRatioRangeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_ScheduleOfLoansByLoanToValueRatioLineItems" abstract="true" name="ScheduleOfLoansByLoanToValueRatioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioMinimum" abstract="false" name="LoansReceivableLoanToValueRatioMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="vriac_LoansReceivableLoanToValueRatioMaximum" abstract="false" name="LoansReceivableLoanToValueRatioMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="vriac_ScheduleOfLoansByDebtServiceCoverageRatioTable" abstract="true" name="ScheduleOfLoansByDebtServiceCoverageRatioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioRangeOneMember" abstract="true" name="LoansReceivableDebtServiceCoverageRatioRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioRangeTwoMember" abstract="true" name="LoansReceivableDebtServiceCoverageRatioRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioRangeThreeMember" abstract="true" name="LoansReceivableDebtServiceCoverageRatioRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioRangeFourMember" abstract="true" name="LoansReceivableDebtServiceCoverageRatioRangeFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_ScheduleOfLoansByDebtServiceCoverageRatioLineItems" abstract="true" name="ScheduleOfLoansByDebtServiceCoverageRatioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioMinimum" abstract="false" name="LoansReceivableDebtServiceCoverageRatioMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="vriac_LoansReceivableDebtServiceCoverageRatioMaximum" abstract="false" name="LoansReceivableDebtServiceCoverageRatioMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="vriac_SouthAtlanticMember" abstract="true" name="SouthAtlanticMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_MiddleAtlanticMember" abstract="true" name="MiddleAtlanticMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_WestSouthCentralMember" abstract="true" name="WestSouthCentralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_MountainMember" abstract="true" name="MountainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_EastNorthCentralMember" abstract="true" name="EastNorthCentralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_NewEnglandMember" abstract="true" name="NewEnglandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_WestNorthCentralMember" abstract="true" name="WestNorthCentralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_EastSouthCentralMember" abstract="true" name="EastSouthCentralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_MixedUseMember" abstract="true" name="MixedUseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_AllowanceforCreditLossesTable" abstract="true" name="AllowanceforCreditLossesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_AllowanceforCreditLossesLineItems" abstract="true" name="AllowanceforCreditLossesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_FinancingReceivableThresholdPastDueNonaccrual" abstract="false" name="FinancingReceivableThresholdPastDueNonaccrual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="vriac_ShortTermInvestmentsAndCashEquivalentsMember" abstract="true" name="ShortTermInvestmentsAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FixedMaturitiesAvailableForSaleIncludingSecuritiesPledgedMember" abstract="true" name="FixedMaturitiesAvailableForSaleIncludingSecuritiesPledgedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FixedMaturitiesAtFairValueUsingFairValueOptionMember" abstract="true" name="FixedMaturitiesAtFairValueUsingFairValueOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_ManagedCustodyGuaranteesMember" abstract="true" name="ManagedCustodyGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_StabilizerMember" abstract="true" name="StabilizerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_AvailableforSaleSecuritiesGrossRealizedGainsLossesProceedsonSales" abstract="false" name="AvailableforSaleSecuritiesGrossRealizedGainsLossesProceedsonSales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSaleRecognizedInEarnings1" abstract="false" name="OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSaleRecognizedInEarnings1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_OffsettingAssetsAndLiabilitiesTable" abstract="true" name="OffsettingAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_OffsettingAssetsAndLiabilitiesLineItems" abstract="true" name="OffsettingAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_StabilizerAndMCGsMember" abstract="true" name="StabilizerAndMCGsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_SeparateAccountAssetsMember" abstract="true" name="SeparateAccountAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_InvestmentContractWithoutFixedMaturityMember" abstract="true" name="InvestmentContractWithoutFixedMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_InvestmentContractWithFixedMaturityMember" abstract="true" name="InvestmentContractWithFixedMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_SupplementaryContractsAndImmediateAnnuitiesMember" abstract="true" name="SupplementaryContractsAndImmediateAnnuitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_ShortTermLoanAffiliate" abstract="false" name="ShortTermLoanAffiliate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_DeferredPolicyAcquisitionCostAndValueOfBusinessesAcquiredRollforwardTable" abstract="true" name="DeferredPolicyAcquisitionCostAndValueOfBusinessesAcquiredRollforwardTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_RetirementMember" abstract="true" name="RetirementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_AdditionTypeAxis" abstract="true" name="AdditionTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_AdditionTypeDomain" abstract="true" name="AdditionTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_DeferralsMember" abstract="true" name="DeferralsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_TransactionsAxis" abstract="true" name="TransactionsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_TransactionsDomain" abstract="true" name="TransactionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LowRangeAxis" abstract="true" name="LowRangeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_LowRangeDomain" abstract="true" name="LowRangeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_HighRangeAxis" abstract="true" name="HighRangeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="vriac_HighRangeDomain" abstract="true" name="HighRangeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_DeferredPolicyAcquisitionCostAndValueOfBusinessesAcquiredRollforwardLineItems" abstract="true" name="DeferredPolicyAcquisitionCostAndValueOfBusinessesAcquiredRollforwardLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_NonPuttableFundingAgreementMember" abstract="true" name="NonPuttableFundingAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_VRIACManagedInstitutionalmutualFundPlanAssetsMember" abstract="true" name="VRIACManagedInstitutionalmutualFundPlanAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0001To0100Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0001To0100Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0100To0199Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0100To0199Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRenewableBeyond12MonthsMember" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRenewableBeyond12MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_TotalDiscretionaryRateSettingProductsMember" abstract="true" name="TotalDiscretionaryRateSettingProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0100Member" abstract="true" name="PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0100Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0101To0150Member" abstract="true" name="PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0101To0150Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151To0200Member" abstract="true" name="PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151To0200Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0200AndGreaterMember" abstract="true" name="PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0200AndGreaterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_NetTransfersFromToTheGeneralAccount" abstract="false" name="NetTransfersFromToTheGeneralAccount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid" abstract="false" name="PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableDirect" abstract="false" name="PremiumsReceivableDirect" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableAssumed" abstract="false" name="PremiumsReceivableAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivablePayableNetOfReinsurance" abstract="false" name="PremiumsReceivablePayableNetOfReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded" abstract="false" name="ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect" abstract="false" name="PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed" abstract="false" name="PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded" abstract="false" name="PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect" abstract="false" name="ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed" abstract="false" name="ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ReinsuranceLiabilitiesDirect" abstract="false" name="ReinsuranceLiabilitiesDirect" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ReinsuranceLiabilitiesAssumed" abstract="false" name="ReinsuranceLiabilitiesAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_ReinsuranceLiabilities" abstract="false" name="ReinsuranceLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AssumedInsuranceCommissionsAndFees" abstract="false" name="AssumedInsuranceCommissionsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_CededInsuranceCommissionsAndFees" abstract="false" name="CededInsuranceCommissionsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_PolicyholderInterestAndOtherBenefitsNet" abstract="false" name="PolicyholderInterestAndOtherBenefitsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_FundsHeldUnderReinsuranceAgreementsLiabilityAssumed" abstract="false" name="FundsHeldUnderReinsuranceAgreementsLiabilityAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_RetirementStabilizerMember" abstract="true" name="RetirementStabilizerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="vriac_AccumulatedOtherComprehensiveIncomeLossTaxExpenseBenefit" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossTaxExpenseBenefit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_DistributionFeesMemberMember" abstract="true" name="DistributionFeesMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_RevenueFromOtherSourcesNonFinancialServicesRevenue" abstract="false" name="RevenueFromOtherSourcesNonFinancialServicesRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_TotalFeeIncomeAndOtherRevenue" abstract="false" name="TotalFeeIncomeAndOtherRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_VoyaFinancialInc.Member" abstract="true" name="VoyaFinancialInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_VIPSMember" abstract="true" name="VIPSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_ReciprocalLoanAgreementMember" abstract="true" name="ReciprocalLoanAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_LineOfCreditMaximumBorrowingLimitPercentage" abstract="false" name="LineOfCreditMaximumBorrowingLimitPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="vriac_InvestmentPurchaseCommitmentMember" abstract="true" name="InvestmentPurchaseCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_FABNTrustMemberMember" abstract="true" name="FABNTrustMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="vriac_PledgedCollateral" abstract="false" name="PledgedCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_SecuritiesPledgedUnderRepurchaseAgreementsCarryingValue" abstract="false" name="SecuritiesPledgedUnderRepurchaseAgreementsCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="vriac_SecuritiesOwnedAndPledgedAsCollateral" abstract="false" name="SecuritiesOwnedAndPledgedAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
