Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future. Plus the cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease.* This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans.*

Long-Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

Retirement Income: Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it2. Either way, you will be assured a steady, dependable source of income for life.

Investments : Variable annuities offer a wide variety of investment options or underlying funds. Primarily for those who are still saving for retirement, they offer the potential to grow your assets in the securities markets, some access to your money, and investment or legacy protection. 

Mutual funds are a popular investment choice that can help clients achieve their financial goals. NYLIFE Securities LLC offers clients over 2,000 individual mutual funds representing 50 fund families. These funds cover the universe of investment objectives and sectors. 

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products3. If we don't offer it, chances are we can assist you.

Please contact your Financial Services Professional for a Product  and  Fund  Prospectuses for the particular   Variable  Annuity  you are considering. Investors are asked to consider the investment objectives, risks, and charges and expenses of both the variable annuity and the underlying sub-accounts before investing. The Product and Fund Prospectuses contain this and other information. Please read the Prospectus carefully before investing. 

Please contact your Financial Services Professional for a Prospectus for the particular mutual fund you are considering. Investors are asked to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing. The Prospectus contains this and other information about the investment company. Please read the Prospectus carefully before investing. An additional document, known as the Statement of Additional Information, contains supplemental information concerning the fund’s investment practices and policies. It can be obtained by contacting the Mutual Fund family. Please refer to the Prospectus for the particular Mutual Fund’s contact information.

*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.

^Guarantees are backed by the claims-paying ability of the issuer.

1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.

3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.



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