¹Cap Rate shown applies to the S&P 500® Price Return Index, 5-year Initial Term, for premium payments of $100,000 or more, and is current as of 10/05/2026. Cap Rates for lower premium tiers are lower (9.60% for $50,000–$99,999; 9.25% for $10,000–$49,999). The Cap Rate is the maximum interest credit the account can earn in a given one-year measuring period — it is not a guaranteed rate of return. If index performance over the measuring period is positive, the account is credited at the index's rate of return, up to the Cap Rate; if performance is negative, the account receives no interest credit but will not lose value. Rates are guaranteed only for the 5-year Initial Term selected at issue and are subject to change for new contracts going forward; they do not apply to contracts already in force. The New York Life IndexFlex Annuity is a single premium deferred fixed indexed annuity issued by New York Life Insurance and Annuity Corporation (NYLIAC). All guarantees are backed by the claims-paying ability of NYLIAC. The S&P 500® Index does not include dividends declared by companies in the Index; investors cannot invest directly in an index. This material is not for use in New York.

²Annual guaranteed initial interest rate effective 9/21/2026. Based on a $100,000 premium. Rates are subject to change. Guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation. SMRU9133631 (Exp.9.30.2027)