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    New York Life Guaranteed Lifetime Income Annuity II1

    Age

    Single Life

    Joint Life

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    Based on the life with cash refund option for a policy purchased by a male annuitant with $100,000. These payout rates, which include both interest and return principal. The rates represent the annualized payout as percent of total premium.

    1. The New York Life Guaranteed Lifetime Income Annuity II is issued by New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. All guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation. Available in jurisdictions where approved.

    *These figures are effective as of {date} and are subject to change at any time. Based on the life with cash refund option, male annuitant with $100,000. Payout amounts for female applicants, who have longer life expectancies, are lower.  In the state of MT, payout amounts do not differentiate male and female life expectancies. Payouts are subject to change and will vary dependent on age, gender, payout option and premium amount, and interest in effect at time of policy issue.  For most jurisdictions, the policy form number for the Guaranteed Lifetime Income Annuity II is ICC11-P103; it may be 211-P103, and state variations may apply.

    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 Guaranteed Future Income Annuity II2

    Issue Age

    Deferring Income Start Date

    Single Life

    Joint Life

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    Based on the life with cash refund option for a policy purchased by a male annuitant with $100,000. These payout rates, which include both interest and return principal. The rates represent the annualized payout as percent of total premium.

    2. The New York Life Guaranteed Future Income Annuity II is issued by New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Guarantees are subject to contract terms, exclusions and limitations, and the claims-paying ability of NYLIAC.  This contract is irrevocable, has no cash value and no withdrawals are permitted prior to the income start date.  Income payments are guaranteed at least as long as the annuitant is living, provided the annuitant is alive on the designated income start date. Contracts in which a Life Only payout option is selected do not provide a death benefit either prior to, or after, the designated start date. Available in jurisdictions where approved.

    *These figures are effective as of {date}  and are subject to change at any time. Based on the life with cash refund option, male annuitant with $100,000. Payout amounts for female applicants, who have longer life expectancies, are lower.  In the state of MT, payout amounts do not differentiate male and female life expectancies. Payouts are subject to change and will vary dependent on age, gender, payout option and premium amount, and interest in effect at time of policy issue.  For most jurisdictions, the policy form number for the Guaranteed Lifetime Income Annuity II is ICC11-P103; it may be 211-P103, and state variations may apply.

    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 Clear Income Fixed Annuity-FP Series3

    Premium Amount

    Book Value
    Accumulation Value 7-Yr Initial Interest Rate Guaranteed/Surrender Charge Period4

    MVA
    Accumulation Value 7-Yr Initial Interest Rate Guaranteed/Surrender Charge Period4

    Income Base Annual Increase Rate (Roll-Up Rate)5

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    BOOK VALUE — LIFETIME WITHDRAWAL RATE
    (Percent of Income Base that determines your guaranteed income payments)

    Age at First Withdrawal

    Single Life Policy

    Joint (Spousal) Life Policy

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    MVA — LIFETIME WITHDRAWAL RATE
    (Percent of Income Base that determines your guaranteed income payments)

    Age at First Withdrawal

    Single Life Policy

    Joint (Spousal) Life Policy

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    Rates are effective {date} and are subject to change at any time. 

    3. The New York Life Clear Income Fixed Annuity-FP Series, a fixed deferred annuity with a Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider, is issued by New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.  Rates are subject to change to any time.  All guarantees are dependent upon the claims-paying ability of NYLIAC.  Products available in approved jurisdictions.  Not available in New York.  There is an annual rider fee of 0.75% of the Accumulation Value that is deducted quarterly.

    4. Withdrawals during the first 7 years of the policy may be subject to surrender charges and/or a Market Value Adjustment (MVA). The interest rate is an effective annual yield based upon a nominal rate that is compounded daily. Yields assume no additions or withdrawals made during the guaranteed period. After the initial guaranteed interest rate period, the policy will receive a renewal rate that is guaranteed for one year. The Guaranteed Minimum Interest Rate (GMIR) is 1%. Please call your representative for current interest rates on premium amounts of $1,500,000 or more. Policies with premium amounts of $1 million or more require prior NYLIAC approval.

    5. The Income Base is a value upon which the lifetime withdrawal benefit amount is calculated. It is separate from the Accumulation Value and has no cash value.

    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 Secure Term Choice Fixed Annuity II

    Premium Amount

    3 Year

    4 Year

    5 Year

    6 Year

    7 Year

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    Depending on the period chosen, withdrawals during the first 3, 4, 5, 6, or 7 years of the policy may be subject to surrender charges.

    Rates are effective as of {date} and are subject to change at any time. The interest rate is an effective annual yield based upon a nominal rate which is compounded daily. Yields assume no additions or withdrawals made during the guaranteed period. After the initial guaranteed interest rate period, the policy will receive a new interest rate on each policy anniversary that is guaranteed for one year.

    The Guaranteed Minimum Interest Rate (GMIR) is 0.05% (except in New York where it is 1%). Please call your representative for current interest rates on premium amounts of $1,500,000 or more. Policies with premium amounts of $1 million or more require prior NYLIAC approval.

    Available in jurisdictions where approved and subject to eligibility requirements.

    All guarantees are dependent upon the claims-paying ability of NYLIAC. The Return of Premium Benefit, which is effective on the date shown in your clients policy (Return of Premium Effective Date), entitles your client to a return or at least the premium your clients paid, less any prior withdrawals and/or surrender charges related to withdrawals made before the Return of Premium Effective Date. Surrender charges on withdrawals taken on or after the Return of Premium Effective Date, will never exceed the total interest credited to the policy.

    To qualify for the old New York Life Fixed Annuity rates, if rates decrease:

    Applications MUST be signed and dated prior to the date of change. Money and paperwork must be received at the lockbox no later than 30 days after the application signed date. For transfers/exchanges, applications MUST be signed and dated PRIOR to the date of change. Application and paperwork must be received at the Lockbox IN GOOD ORDER no later than 30 days from the application signed date. Money MUST be received at the Lockbox no later than 60 days from application signed date (part 1 for Reg. 60)

    To qualify for the new New York Life Fixed Annuity rates, if rates increase:

    Paperwork MUST be signed and dated ON OR AFTER the date of change. Money and paperwork MUST be received in GOOD ORDER at the lockbox within 30 days of the application signed date. For transfers/exchanges, paperwork MUST be signed and dated ON OR AFTER the date of change. Paperwork MUST be received IN GOOD ORDER at the lockbox within 30 days of the application signed date. Money MUST be received at the lockbox no later than 60 days from application signed date (part 1 for Reg. 60)

    The policy form number for the New York Life Secure Term Choice Fixed Annuity II is ICC10-P114 in most jurisdictions; in some states, it may be 211-P114, and state variations may apply.

    The New York Life Secure Term Choice Fixed Annuity II is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Ave, New York, NY 10010.

    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 Secure Term MVA Fixed Annuity II6

    Premium Amount

    3 Year

    4 Year

    5 Year

    6 Year

    7 Year

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    Rates in the chart above are effective {date} and are subject to change at any time. The guaranteed minimum interest rate (GMIR) is 0.05% in all states except in NY, where it is 1%. The interest rate is an effective annual yield based upon a nominal rate which is compounded daily. Yields assume no additions or withdrawals made during the guaranteed period. After the initial guaranteed interest rate period, the policy will receive a new renewal interest rate that is guaranteed for one year which will never be less than your GMIR as stated in your policy. Minimum initial premium is $15,000.  Additional premiums are not permitted. Please call your representative for current rates on premium amounts of $1,500,000 or more. Policies with premium amounts of $1 million or more require prior New York Life Insurance and Annuity Corporation approval.

    6. A Market Value Adjustment (MVA) is a positive or negative adjustment to the policy's accumulation value or the amount received in a withdrawal, when a partial withdrawal or full surrender is made during the surrender charge period and the withdrawal or surrender exceeds the policy's surrender charge free withdrawal amount. Refer to the New York Life Secure Term MVA II Features and Benefits section or the Examples and Explanation Flyer for more information.

    Available in all jurisdictions except for Guam.

    To qualify for the old New York Life Fixed Annuity rates, if rates decrease:

    Applications MUST be signed and dated prior to the date of change. Money and paperwork must be received at the lockbox no later than 30 days after the application signed date. For transfers/exchanges , applications MUST be signed and dated PRIOR to the date of change. Application and paperwork must be received at the Lockbox IN GOOD ORDER no later than 30 days from the application signed date. Money MUST be received at the Lockbox no later than 60 days from application signed date (part 1 for Reg. 60)

    To qualify for the new New York Life Fixed Annuity rates, if rates increase:

    Paperwork MUST be signed and dated ON OR AFTER the date of change. Money and paperwork MUST be received in GOOD ORDER at the lockbox within 30 days of the application signed date. For transfers/exchanges , paperwork MUST be signed and dated ON OR AFTER the date of change. Paperwork MUST be received IN GOOD ORDER at the lockbox within 30 days of the application signed date. Money MUST be received at the lockbox no later than 60 days from application signed date (part 1 for Reg. 60)

    The policy form number for the New York Life Secure Term MVA Fixed Annuity II is ICC10-P112 in most jurisdictions; in some states, it may be 210-P112, and state variations may apply.

    All guarantees are dependent upon the claims-paying ability of NYLIAC.

    The New York Life Secure Term MVA Fixed Annuity II is issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Ave, New York, NY 10010.

    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 Secure Term Fixed Annuity V

    Premium Amount

    3 Year

    4 Year

    5 Year

    6 Year

    7 Year

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    Rates are effective as of {date} and are subject to change at any time.

    At the end of the initial interest rate guarantee period, the policy will receive a new renewal rate each anniversary that is based on the accumulation value. That crediting rate will not be less than the guaranteed minimum interest rate (GMIR) stated in the policy. Please call your representative for current interest rates on premium amounts of $1,500,000 or more. The interest rate is an effective annual yield based upon a nominal rate which is compounded daily. Yields assume no additions or withdrawals made during the guaranteed period. After the initial guaranteed interest rate period, the policy will receive a renewal interest rate that is guaranteed for one year which will never be less than your GMIR as stated in your policy. Minimum initial premium is $15,000. Additional premiums are not permitted. Policies with premium amounts of $1 million or more require prior New York Life Insurance and Annuity Corporation approval.

    The New York Life Secure Term MVA Fixed Annuity II is issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.

    The policy form number for the New York Life Secure Term MVA Fixed Annuity II is ICC10-P112 in most jurisdictions; in some states, it may be 210-P112, and state variations may apply. All guarantees are dependent upon the claims-paying ability of NYLIAC.

    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 IndexFlex Variable Annuity–FP Series

    CAP RATE
    S&P 500® Price Return Index (S&P 500)7

    Premium Payment

    5 Year

    6 Year

    7 Year

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    CAP RATE
    Russell 2000® Price Return Index (Russell 2000)8

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FLAT RATE
    S&P 500® Price Return Index (S&P 500)7

    Premium Payment

    5 Year

    6 Year

    7 Year

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    FLAT RATE
    Russell 2000® Price Return Index (Russell 2000)8

    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

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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.

    7. 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).

    8. 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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