Sales resources
Sales resources
Product specific training needs to be completed prior to client signature.
You can access the training by visiting RegEd and using the product code (s) below.
RegEd Course Name | Product Codes |
New York Life Guaranteed Lifetime Income Annuity II | NYLGLIA |
New York Life Guaranteed Period Income Annuity II | NYLGPIA |
New York Life Guaranteed Future Income Annuity II | NYLGFIA |
New York Life Clear Income Advantage - FP Series | NYLCIADVFA |
New York Life Secure Term Choice Fixed Annuity II | NYLSTCFA |
New York Life Secure Term MVA Fixed Annuity II | NYLSTMVA |
Premier Variable Annuity - FP Series | NYLPVAFPS |
IndexFlex Variable Annuity - FP Series | NYLIFVA |
IndexFlex Fixed Annuity - FP Series | NYLIFFA |
Merrill Lynch | Product Codes |
New York Life Guaranteed Future Income Annuity II | NYLGFIAML |
New York Life Secure Term Choice Fixed Annuity II | NYLSTCFA |
New York Life Guaranteed Lifetime Income Annuity II | NYLGLIAML |
New York Life Secure Term MVA Fixed Annuity II | NYLSTMVA |
New York Life IndexFlex Fixed Annuity | NYLIFFA |
Products
Products
Premier VA
Equity investing is easier with a principal guarantee (Client Approved)
- If you’re concerned about market uncertainty and intend to keep your policy for the holding period or longer, an optional principal guarantee can help you worry less about market losses during the guarantee period.
- If you elect the IPR, you are free to allocate up to 70% of your initial premium to equities with no performance cap, and you still have a range of fixed income options for the remaining percentage, including high yield funds.
- Lock in potential market growth with IPR resets
Click here for firm approval.
An upside to downturns (Advisor Only)
- Highlights market resilience by showing historical rebounds from short-term market shocks to restore investor confidence.
- Positions the IPR on page 2 as a solution for clients needing additional assurance beyond historical trends.
- Promotes the Level M&E fee as a cost-effective option for investors confident in long-term market growth, enabling them to maximize returns without extra fees.
Click here for firm approval.
Model Portfolio Allocations (Client Approved)
- Designed exclusively by Franklin Advisors for NYL.
- Model Portfolios utilize underlying funds within the NYL VA Fund Platform for tailored investment solutions.
Click here for firm approval.
Looking to level up your client’s growth? (Advisor Only)
- Growth-Friendly Design – Avoids charges on growth, giving investors a competitive edge.
- Cost Efficiency – Flat annual costs with lower effective fees in rising markets.
- Flexibility – Customizable options to match investor goals and outlook.
Click here for firm approval.
Growth in markets is good, fees isn't? (Client Approved)
- Clear Comparison – Simple graphic shows how level fees (tan line) remain steady, while traditional fees (blue dots) increase with account value.
- Stability and Predictability – Highlights Premier’s level fee structure for peace of mind and financial clarity.
Click here for firm approval.
NQ Stretch Flyer (Advisor Only)
- Highlights potential tax efficiency and lower income taxes, ensuring a steady income stream for beneficiaries.
- Emphasizes convenience and ease of management, appealing to beneficiaries looking for a straightforward and flexible solution for handling their inheritance.
Click here for firm approval.
NQ Stretch Brochure (Client Approved)
- Positions the benefit as a tool for inheritance preservation and long-term growth potential.
- Emphasizes tax advantages, showing how stretching the inheritance can help beneficiaries maintain a lower tax bracket and achieve significant tax savings over time.
- Highlights flexibility and growth opportunities, with RMDs free from withdrawal charges or penalty taxes, keeping gains invested for continued growth.
- Appeals to beneficiaries seeking financial optimization, offering a strategy to secure and grow their financial future.
Click here for firm approval.
Sales Positioning
- Protection for Clients 70+ – Recommend a standard death benefit to provide higher guaranteed protection, ideal for clients with significant capital gains.
- Tax-Deferred Growth – Highlight tax-deferred asset growth and low-cost investment options to maximize savings.
- Legacy Enhancement – Showcase the optional annual death benefit reset rider to help increase legacy value over time.
- Ideal Clients – Target retirees, like business owners aged 70+, looking to grow savings, reduce fees, and secure their financial legacy.
Click here for firm approval.
IndexFlex Fixed Indexed
IndexFlex Variable
Sales Positioning
- Purpose: Supports Flat Rate momentum by showing average annualized and cumulative returns based on years credited.
- Historical Context: Includes S&P 500 data showing 0% or positive returns over 5-year rolling periods since 1926.
- Key Data: If a 6.50% Flat Rate was credited 3 out of 5 years, the average annualized return is 3.90% and cumulative return is 20.79%—competitive with current FDA rates.
- Focus: Keeps attention on Flat Rate and Trigger Rates, with no IndexFlex mentions (except disclosure) and allows verbal support for cap rates and variable sleeves with extra collateral.
- Highlight: 94.2% of rolling 5-year periods had zero or positive returns at least 3 out of 5 years since 1926.
Click here for firm approval (5 year).
Click here for firm approval (6 year).
Sales Positioning
Investment Flexibility: Clients can switch between investment options at the end of each 1-year segment. Shift to VIO for unlimited upside potential or reduce risk by reallocating to Index-linked options with Cap or Flat rate crediting.
Streamlined & Straightforward: Help clients overcome retirement planning overload with a clear approach that addresses challenges and highlights diverse investment options for growth potential.
Rate Certainty: Show how term crediting provides predictable rates and protection against market downturns. No surprises—just stable growth and peace of mind.
- Firm approval: Investment Flexibility
- Firm approval: Streamlined & Straightforward
- Firm approval: Rate Certainty
Sales Positioning
- Purpose: Shows how Advisors can balance protection and growth with IndexFlex by blending Indexed and Variable Sleeves in 25% increments.
- Rolling Returns Data: Highlights cumulative and average returns and % periods with gains over 5- and 6-year rolling periods.
- Key Insights: Includes average, highest, and lowest returns since the variable subaccount’s inception, with many blends (e.g., 50/50) showing high 90% or 100% gains over rolling periods.
- Flexibility: Reminds Advisors they can adjust protection and risk allocations at issue or later as client needs evolve.
Click here for firm approval.
Rolling Return Flyer Versions
Note: Wells Fargo requires that a minimum of 50% must be allocated to the variable sleeve. It’s for this reason the Wells Fargo flyers show just three allocations: 50/50, 75% equity / 25% indexed, and 100% equity.
Income
Market volatility resources
Market volatility resources
Interactive brochures
Interactive brochures
Sales Positioning:
- Purpose – Demonstrates how IndexFlex balances principal protection and growth potential by blending indexed and variable accounts.
- Side-by-Side Comparisons – Use NYLIS illustrations to compare allocation strategies:
- 100% Index-Linked Account
- 75% Index / 25% Variable-Linked Account
- 50% Index / 50% Variable-Linked Account (Enhanced Bonus Credit for 50%+ Variable).
- Visual Insights – Interactive charts highlight allocation flexibility, account values, and blended returns across different ages.
- Performance Details – Summary pages provide Account Value, Annual and Cumulative ROR, and Effective M&E fees.
Click here for firm approvals.
Sales Positioning:
- Purpose – Demonstrates how Premier’s Level M&E fee structure can provide savings to support death benefit options and maximize legacy planning.
- Side-by-Side Comparisons – Use NYLIS illustrations to compare Level M&E with ADBR vs. Traditional M&E with ADBR.
- Visual Insights – Interactive charts highlight reduced fees, death benefit growth, and potential advantages in rising markets.
- Flexible Analysis – Includes links to original NYLIS resources for detailed investment allocations.
Click here for firm approvals.
Sales Positioning:
- Purpose – Highlights academic studies showing how Premier with the IPR Rider supports behavioral benefits, reducing fear and encouraging equity exposure.
- Side-by-Side Comparisons – Use NYLIS illustrations to compare allocations, such as 70/30 with a 7-year IPR Rider vs. 50/50 without one.
- Visual Insights – Interactive charts demonstrate the potential for higher equity allocations, increased confidence, and greater accumulation values.
Click here for firm approvals.
Sales Positioning:
- Purpose – Demonstrates Premier’s patented M&E fee structure, which avoids growth-based charges to enhance long-term account value.
- Side-by-Side Comparisons – Use Level M&E NYLIS illustrations to compare costs with Traditional M&E.
- Visual Impact – Interactive charts highlight reduced effective fees and their impact on account value across different ages.
- Flexible Analysis – Allows users to explore investment allocations with links to original NYLIS resources.
Click here for firm approvals.
Advanced Income Solutions
Advanced Income Solutions
Executive Plans and Business Solutions
Executive Plans and Business Solutions
Inherited Annuities
Inherited Annuities
- Inherited Non-Qualified Flyer
- Inherited IRA Rules (Secure Act 2.0) – Compliance updates and distribution options.
- Inherited NQ Flowchart – Visual guide to structuring inherited annuities.
- NQ Stretch Options – Flexible strategies for spouse, non-spouse, and trusts.
- RMD Flow Chart For IRA Beneficiaries