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Discontinued Products

Overview

Overview

Although we no longer offer the following products, we will continue to service existing policies. Please call the NYL service center for more information on your policy at 1-800-762-6212.

 

Fixed Deferred Annuities

  • New York Life Select 5 Fixed Annuity
  • New York Life Preferred Fixed Annuity
  • New York Life Enhanced Fixed Annuity
  • New York Life Optimal Fixed Annuity
  • New York Life Fixed Annuity
  • New York Life Select Guarantee Fixed Annuity II & III
  • New York Life Secure Term Fixed Annuity II & III
  • New York Life Preferred Choice Fixed Annuity II
  • New York Life Select Guarantee Fixed Annuity IV - FP Series

 

Variable Annuities

Please see below for prospectus and performance information.

  • New York Life Elite Variable Annuity
  • New York Life Premium Plus Variable Annuity
  • New York Life Premium Plus II Variable Annuity
  • New York Life Plus Variable Annuity
  • New York Life Plus II Variable Annuity
  • New York Life Select Variable Annuity
  • New York Life Access Variable Annuity

Prospectuses and Performance Summaries

Prospectuses and Performance Summaries

Prospectuses and Performance Summaries

For more complete information, please refer to your New York Life prospectus. To obtain a current product and funds prospectus, please call the New York Life Annuity Service Center at 1-800-762-6212 or click below as indicated. Investors are asked to consider the investment objectives, risks, charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectus contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

  • New York Life Elite Variable Annuity
  • New York Life Premium Plus Variable Annuity
  • New York Life Premium Plus II Variable Annuity
  • New York Life Plus Variable Annuity
  • New York Life Plus II Variable Annuity
  • New York Life Select Variable Annuity
  • New York Life Access Variable Annuity
  • New York Life Elite Variable Annuity
  • New York Life Premium Plus Variable Annuity - Policies Purchased prior to June 2, 2003
  • New York Life Premium Plus Variable Annuity - Policies Purchased on or after June 2, 2003
  • New York Life Premium Plus II Variable Annuity
  • New York Life Plus Variable Annuity - Policies Purchased prior to June 2, 2003
  • New York Life Plus Variable Annuity - Policies Purchased on or after June 2, 2003
  • New York Life Plus II Variable Annuity - Policies Purchased prior to June 2, 2003
  • New York Life Plus II Variable Annuity - Policies Purchased on or after June 2, 2003
  • New York Life Select Variable Annuity - Policies Purchased prior to June 2, 2003
  • New York Life Select Variable Annuity - Policies Purchased on or after June 2, 2003
  • New York Life Access Variable Annuity
  • New York Life Indexflex Variable Annuity
  • New York Life Premier Variable Annuity - Traditional fee structure policies
  • New York Life Premier Variable Annuity - Level M&E fee structure policies

_

Prices and Performance

Prices and Performance

    New York Life Elite Variable Annuity

    This daily updated chart is your resource for tracking the accumulation unit values of the Investment Divisions of the New York Life Elite Variable Annuity.  For current to the most recent month-end performance including average total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested. The New York Life Elite Variable Annuity differs from many other variable annuity policies in that the Mortality and Expense Risk and Administrative Costs Charge is calculated as a percentage of the Adjusted Premium Payments under the policy (excluding premiums allocated to the Fixed Account), rather than as a percentage of Separate Account assets. Therefore, the 1.70% charge is not reflected in the performance of the Investment Divisions, but will be deducted on a quarterly basis by reducing the number of Accumulation Units in the Investment Divisions you have selected. In a rising market, since each Accumulation Unit will have a relatively greater value, fewer Accumulation Units will be deducted from your policy for the Mortality and Expense Risk and Administrative Cost Charge. In a declining market, since each Accumulation Unit will have a relatively lower value, more Accumulation Units will be deducted from your policy for the Mortality and Expense and Administrative Cost Charge. The value of your policy will depend on the number of accumulation units you own and the value of those units. A policy service charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the accumulation value is less than $100,000.00. The Investment Divisions offered under the New York Life Elite Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
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    An error has occurred. Please try again later.

    New York Life Elite Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. For more complete information, refer to your New York Life Elite Variable Annuity product prospectus and individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    *Sales of the New York Life Elite Variable Annuity were discontinued as of January 1, 2009. Current policyowners may continue to make additional premium payments subject to their contract provisions. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a single premium variable annuity that has a different surrender charge schedule and minimum premium payment.
     

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Premium Plus Variable Annuity

    This daily updated chart is your resource for tracking the accumulation unit values of the Investment Divisions of the New York Life Premium Plus Variable Annuity. For current to the most recent month-end performance including average annual total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested and includes an annualized separate account expense charge of 1.60% but does not include any credits applied. A policy service charge of $30 is not included in these charges, but will be deducted from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value is less than $100,000.00. The Investment Divisions offered under the New York Life Premium Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Premium Plus Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Ave, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    *Sales of the New York Life Premium Plus Variable Annuity were discontinued as of January 1, 2009. Current policyowners may continue to make additional premium payments subject to their contract provisions. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a modified single premium variable annuity, whereby additional premium payments were not permitted after the first policy year.

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Premium Plus II Variable Annuity

    This daily updated chart is your resource for tracking the accumulation unit values of the Investment Divisions of the New York Life Premium Plus II Variable Annuity. For current to the most recent month-end performance including average annual total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested and includes an annualized separate account expense charge of 1.75% but does not include any credits applied. A policy service charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the accumulation value is less than $100,000.00. The Investment Divisions offered through the New York Life Premium Plus II Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Premium Plus II Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    Sales of the New York Life Premium Plus II Variable Annuity were discontinued as of January 1, 2009. Current policyowners may continue to make additional premium payments subject to their contract provisions. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a single premium variable annuity that has a different surrender charge schedule and minimum premium payment.

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Plus Variable Annuity

    This daily updated chart is your resource for tracking the accumulation unit values of the Investment Divisions of the New York Life Plus Variable Annuity. For current to the most recent month-end performance including average annual total returns, please click on the Performance Summary tab.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividend reinvested and includes an annualized separate account expense charge of 1.40%. A policy service charge, equal to the lesser of $30 or 2% of the accumulation value of the policy, is not included in these charges, but will be deducted each year from the policy's accumulation value on the policy anniversary and upon surrender if on that date the Accumulation Value is less that $20,000.00. The Investment Divisions offered under the New York Life Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Plus Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.
     

    Sales of the New York Life Plus Variable Annuity were discontinued as of January 1, 2009. Current policyowners may continue to make additional payments subject to their contract provisions. Existing policies will continue to be serviced.
     

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Plus II Variable Annuity

    This daily updated chart is your resource for tracking accumulation unit values of the Investment Divisions of the New York Life Plus II Variable Annuity. For current to the most recent month-end performance, including average annual total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested and includes an annualized separate account expense charge of 1.45%. A policy service charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value is less than $50,000.00. The Investment Divisions offered under the New York Life Plus II Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Plus II Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    *Sales of the New York Life Plus II Variable Annuity were discontinued as of January 1, 2009. Current policy owners may continue to make additional premium payments subject to their contract provisions. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a modified single premium variable annuity, whereby additional premium payments were not permitted after the first policy year.

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Select Variable Annuity

    This daily updated chart is your resource for tracking the accumulation unit values of the Investment Divisions of the New York Life Select Variable Annuity. For current to the most recent month-end performance including average annual total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested and includes an annualized separate account expense charge of 1.85%. A policy service charge of $50 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value is less than $100,000.00. The Investment Divisions offered under the New York Life Select Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Select Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Ave, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    *Sales of the New York Life Select Variable Annuity were discontinued as of January 1, 2009. Current policyowners may continue to make additional premium payments subject to their contract provisions. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a modified single premium variable annuity, whereby additional premium payments were not permitted after the first policy year.

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value

    New York Life Access Variable Annuity

    This daily updated chart is your resource for tracking accumulation unit values of the Investment Divisions of the New York Life Access Variable Annuity. For current to the most recent month-end performance, including average annual total returns, please see the Prospectuses & Performance Summaries section.

    Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to current market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. All performance reflects the percentage change for the period shown with capital gains and dividends reinvested and includes an annualized separate account expense charge of 1.55%. A policy service charge of $40 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value is less than $50,000.00. The Investment Divisions offered under the New York Life Access Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

    New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

    Some investment options may not be available in every product or policy. If optional living benefits are elected, investment restrictions may also apply.

    Fund Name Current AUV Prior AUV AUV Change % Change
    Loading...
    An error has occurred. Please try again later.

    New York Life Access Variable Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware corporation) and distributed by NYLIFE Distributors LLC, member FINRA/SIPC, wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. For more complete information, refer to the individual fund prospectuses. To obtain a current product and fund prospectus call the New York Life Annuity Service Center at 1-800-762-6212 or click on the Prospectus link in the Prospectuses & Performance Summaries section above. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    *Sales of the New York Life Access Variable Annuity were discontinued as of October 14, 2002. Current policy owners may not make additional premium payments. Existing policies will continue to be serviced.

    In certain jurisdictions, this product was sold as a modified single premium variable annuity, whereby additional premium payments were not permitted after the first policy year.

    Investments and insurance products are: Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of its Affiliates | May Lose Value
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    This material is being provided for informational purposes only, and was not prepared, and is not intended, to address the needs, circumstances and objectives of any of individual or groups of individuals. New York Life, its affiliates, employees and agents are not making a recommendation that any of your particular clients purchase any specific products, and do not provide tax or legal advice.

    Annuities are long-term financial products used for retirement purposes. Annuities contain certain fees and charges and there are risks, restrictions, and limitations to consider. Variable annuities are subject to market risk including possible loss of principal. Withdrawals or surrenders may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation (NYLIAC).

    Clients should consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. The product and fund prospectuses contain this and other information and can be obtained from a financial professional. Clients should read the prospectuses carefully before investing or sending money.

    New York Life Variable Annuities are issued by New York Life Insurance and Annuity Corporation (“NYLIAC”), a Delaware Corporation. NYLIFE Distributors LLC, Member FINRA/SIPC, is the wholesale distributor and underwriter for these products. Both NYLIAC and NYLIFE Distributors LLC are wholly-owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Variable annuities offered through properly licensed registered representatives of a third party registered broker dealer.

    Income annuities and deferred annuities are issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), 51 Madison Avenue, New York, NY 10010.

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