Voya 2014 Annual Report Download - page 453

Forward-Looking and Other Cautionary Statements
This annual report contains forward-looking statements. Forward-looking statements include
statements relating to future developments in our business or expectations for our future financial
performance and any statement not involving a historical fact. Forward-looking statements use
words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” and other words and
terms of similar meaning in connection with a discussion of future operating or financial performance.
Actual results, performance or events may dier materially from those projected in any forward-
looking statement due to, among other things, (i) general economic conditions, particularly economic
conditions in our core markets, (ii) performance of financial markets, including emerging markets,
(iii)the frequency and severity of insured loss events, (iv) mortality and morbidity levels, (v)persistency
and lapse levels, (vi) interest rates, (vii) currency exchange rates, (viii)general competitive factors,
(ix) changes in laws and regulations and (x) changes in the policies of governments and/or regulatory
authorities. Factors that may cause actual results to dier from those in any forward-looking statement
also include those described under “Risk Factors” and “Management’s Discussion and Analysis of
Results of Operations and Financial Condition — Trends and Uncertainties” in our Annual Report on
Form 10-K for the year ended December 31, 2014, filed with the Securities and Exchange Commission
on February 27, 2015.
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