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IndexFlex Variable Annuity

IndexFlex Variable Annuity
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Let’s help investors achieve their retirement potential.

The New York Life IndexFlex Variable Annuity–FP Series is a powerful and innovative retirement solution, backed by a company you–and they–can believe in.

IndexFlex Variable Annuity (2:17)

Customizable • Flexible • Transparent

Offering opportunities for growth potential and principal protection, IndexFlex combines the predictability of an index-linked account with the investment flexibility of a variable annuity.

The time is now for a flexible annuity.


Learn how IndexFlex offers principal protection guarantees with upside potential and investment flexibility.

What it is.

Fact Sheet

Fact Sheet

How it works.

Product Brochure

Product Brochure

How to invest.

Investing Guide

Investing Guide

Check out the Prospectus

Check out our rates.

Rates
Rates effective as of

    New York Life IndexFlex Variable Annuity–FP Series

    CAP RATE
    S&P 500® Price Return Index (S&P 500)3

    Premium Payment

    5 Year

    6 Year

    7 Year

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    CAP RATE
    Russell 2000® Price Return Index (Russell 2000)4

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FLAT RATE
    S&P 500® Price Return Index (S&P 500)3

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FLAT RATE
    Russell 2000® Price Return Index (Russell 2000)4

    Premium Payment

    5 Year

    6 Year

    7 Year

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    CAP RATE
    S&P 500® Price Return Index (S&P 500)3

    Premium Payment

    5 Year

    6 Year

    7 Year

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    CAP RATE
    Russell 2000® Price Return Index (Russell 2000)4

    Premium Payment

    5 Year

    6 Year

    7 Year

    Loading...
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    FLAT RATE
    S&P 500® Price Return Index (S&P 500)3

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FLAT RATE
    Russell 2000® Price Return Index (Russell 2000)4

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FIXED ACCOUNT
    The Fixed Account (available where approved) is credited with a fixed interest rate. All guarantees, including the guaranteed minimum interest rate, are backed by the issuer, New York Life Insurance and Annuity Corporation (NYLIAC).

    Surrender Charge Period

    5 Years

    6 Years

    7 Years

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    Rates are as of {date} and are subject to change.

    3. The S&P 500® Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing approximately 80% coverage of U.S. equities. The S&P 500® Index does not include dividends declared by any of the companies in this Index. S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The foregoing trademarks have been licensed for use by S&P Dow Jones Indices LLC and sublicensed for certain purposes by New York Life. The S&P 500® index is a product of S&P Dow Jones Indices LLC and has been licensed for use by New York Life. New York Life IndexFlex Variable Annuity–FP Series is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective affiliates make any representation regarding the advisability of investing in such product(s).

    4. The Russell 2000® Index measures the performance of the small cap segment of the U.S. equity universe. The Russell 2000® is a subset of the Russell 3000® Index representing approximately 10% of the total market capitalization of that index. The Russell 2000® Index represents approximately 10% of the total market capitalization of the Russell 3000® Index. The Russell 2000® Index includes approximately 2000 of the smallest securities based on a combination of their market capitalization and current index membership. The Russell 2000® Index does not include dividends declared by any of the companies in the Index.

    The New York Life IndexFlex Variable Annuity–FP Series (IndexFlex) has been developed solely by New York Life. IndexFlex is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

    All rights in the Russell 2000® Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “Russell®” is a trademark of the relevant LSE Group company and is/are used by any other LSE Group company under license.

    The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of IndexFlex. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from IndexFlex or the suitability of the Index for the purpose to which it is being put by New York Life.

    Variable annuities are long-term financial products used for retirement savings. There are fees, expenses, limitations and risks associated with this policy. All guarantees, including death benefit payments, are dependent on the claims-paying ability of NYLIAC and do not apply to the investment performance or safety of the underlying variable Investment Divisions, as they are subject to market risks and will fluctuate in value. Withdrawals may be subject to ordinary income taxes and if made prior to age 59½ may be subject to a 10% IRS penalty tax. For costs and complete details, contact a financial professional.

    This material is general in nature and is being provided for informational purposes only. It was not prepared, and is not intended, to address the needs, circumstances and/or objectives of any specific individual or group of individuals. New York Life and its affiliates are not making a recommendation to purchase any specific products. For advice regarding your personal circumstances, you should consult with your own independent financial and tax advisors.

    This flyer is not a complete description of the New York Life IndexFlex Variable Annuity–FP Series product and is authorized for use by the general public only if preceded or accompanied by the product and funds prospectuses. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. The prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.

    Products and features are available where approved. In most jurisdictions, the policy form numbers are as follows (state variations may apply): New York Life IndexFlex Variable Annuity–FP Series (ICC20V-P02 or it may be NC20V-P02).

    Please refer to the product prospectus for more information. 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.

    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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    A reputation you can count on.

    Founded in 1845, New York Life Insurance Company (NYLIC) and its family of companies share a commitment to be there for our customers when they need us—whether that’s today or decades into the future. IndexFlex is issued by New York Life Insurance and Annuity Corporation (NYLIAC), a wholly owned subsidiary of NYLIC that was established in 1982. Both NYLIC and NYLIAC have received the highest ratings for financial strength currently awarded to any U.S. life insurer by four independent rating agencies.1

    A++

    (Highest)

    A.M. Best

    AAA

    (Highest)

    Fitch Ratings

    Aaa

    (Highest)

    Moody's Investors Service

    AA+

    (Highest for a U.S. life insurer)

    Standard & Poors8

    A++

    (Highest)

    AAA

    (Highest)

    Aaa

    (Highest)

    AA+

    (Highest for a U.S. life insurer)

    A.M. Best

    Fitch Ratings

    Moody's Investors Service

    Standard & Poors

     

    Provider of Principal-Protected Variable Annuities2 

    Provider of Income Annuities since 20063

    For more information, please call the New York Life Annuities Sales Desk at (866) 548-3904.


    For more complete information, please refer to the New York Life IndexFlex Variable Annuity–FP Series Prospectus. Click here to view a current product and funds prospectus, or call the New York Life Annuity Service Center at 1-800-762-6212. 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.


    1. Individual independent rating agency commentaries as of 10/18/2022: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). The financial strength ratings do not imply approval of the variable annuity, nor do they relate to its performance.
    2. As of 12/31/2022 and is based on premium amounts as reported by LIMRA Variable Annuity Guaranteed Living Benefit Election Tracking Survey.
    3. LIMRA as of 12/31/2022, based on premium.

    Variable annuities are long-term financial products used for retirement purposes. Variable 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 59 1/2, 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). A financial professional can provide cost information and complete details.

    This material is general in nature and is being provided for informational purposes only. It was not prepared, and is not intended, to address the needs, circumstances and/or objectives of any specific individual or group of individuals. New York Life and its affiliates are not making a recommendation to purchase any specific products. For advice regarding your personal circumstances, you should consult with your own independent financial and tax advisors.

    In most jurisdictions, the policy form numbers are New York Life IndexFlex Variable Annuity–FP Series (ICC20V-P02 or it may be NC20V-P02).

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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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