Our story.
For more than 180 years, America’s largest mutual life insurer has been protecting families and futures predicated on a simple promise: to be there when people need us most, no matter what. For generations, we’ve staked our name on our values: integrity, financial strength, humanity and transparency. The world has changed, but our name and our commitment to doing what’s right hasn’t.
Since 1845, our core values have remained the same: underpinning the principles which drive our purpose today. New York Life is the name clients recognize for our heritage and ability to deliver on our promises.
From pandemics to wars, Depressions to Great Recessions, from Bull to Bear and back again—our DNA was forged in the defining hours of our nation’s history and we’ve emerged the stronger for it. Like the company it represents, the New York Life Annuity Wholesaling Team is dedicated to serving the long-term best interest of our partners in every circumstance.
Our decisions are guided by policyholders, with a long term view that supports stability and trust.
#1
Largest Mutual Life
Insurer in U.S.1
Highest
Financial Strength Ratings for any U.S. life insurer2
Highest
COMDEX RANKING3
100
$21.9B
in Annuity Sales (2024)4
Fortune, World’s Most Admired Companies
Insurance Life and Health
(1/29/2025)
Kiplinger Readers'
Choice Award
Highest rankings for Customer Service,
Most Recommended, and Overall Satisfaction.
(2025)
#1 Provider Single Premium Income Annuities (SPIA)5
#1 Provider Principal-Protected Variable Annuities6
#1 Provider Deferred Income Annuities (DIA)5
.
Unsurpassed financial strength.
The issuer of New York Life’s annuity products, New York Life Insurance and Annuity Corporation (NYLIAC), takes a measured, diversified approach to ensure long-term solvency in its financial decision making. Our resilient and well-capitalized balance sheet is designed to withstand market shocks.
Best-in-class ratings.
New York Life Insurance Company and NYLIAC have earned the highest financial strength ratings currently awarded to any life insurer by all four major ratings agencies reflecting our ability to meet our obligations to our policyholders and investors.7
Corporate responsibility.
As a mutual company, the way that we achieve outstanding business results is just as important as the outcomes themselves. Our commitment to corporate transparency, the environment, communities, social equity, and ethical governance is highlighted in our Corporate Responsibility report, published annually.
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)
Aa1
(Highest)
AA+
(Highest for a U.S. life insurer)
A.M. Best
Fitch Ratings
Moody's Investors Service
Standard & Poors7
Retirement needs are evolving fast. We help you guide clients with clarity and confidence.
Every client’s retirement plan is personal. Goals, longevity, risk tolerance, and lifestyle all shape the right approach.
Partnering with a New York Life Wholesaler gives you access to a comprehensive suite of retirement solutions and guidance across a range of strategies so you can serve today’s savvy, engaged clients with confidence.
From obstacle to opportunity.
Solving advisor challenges is what we do best. Whether you’re navigating evolving retirement needs, leading the right client conversations, or building an intergenerational practice, we work alongside you through it all.
Generation-ready resilience.
Your New York Life Annuities Wholesaler can help you use a practical toolkit to assess wealth transfer risks and opportunities within your practice.
They can also help you connect with next generation clients by understanding their communication preferences and how they want to engage.
80%
of heirs will look for a new advisor
after coming into an inheritance.8
$84 Trillion
wealth transfer has already begun,
and experts say the next few years
will be the most crucial.9
The New York Life difference: Relationship-focused.
A meaningful partnership is predicated upon collaboration and support. Our Wholesaling team is here for you with a breadth of value-add services beyond providing a best-in-class product suite. As a valued partner, you’ll have access to our financial professional solutions program and resources. This includes the Advanced Income Solutions team which will provide concierge level support for New York Life’s suite of annuity products and our customized solutions analysis.
What is available to you:
Evaluating Retirement Income Approaches
Wholesaler Support Pre and Post-sale
Ongoing Industry Education Credits
Prepare Your Business for Next Gen Clients
Identifying Prospecting Opportunities
Initiating Trigger Conversations with Clients
CE Credits – 1 Hour to Super CE
Advanced Income Solutions Support
Sales and Discovery Process Resources
Industry Insights and Research
Legacy Building and Tax-efficiency*
Client-approved Educational Library
For Financial Professional Use Only: Not to be Distributed to the Public.
1. Fortune magazine, June 2025. For methodology, please see: http://fortune.com/fortune500/.
2. New York Life has the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies. Individual independent rating agency commentary as of 9/30/2025: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aa1), Standard & Poor’s (AA+).
3. The Comdex ranking is the average percentile of a company’s rating that this company has received. The composite ranking is based on a scale of 1 to 100, in relation to other companies that have been rated by the services. A company needs to be rated by at least two rating services to receive a Comdex ranking.
4. Statutory surplus and Asset Valuation Reserve show is as of 12/31/2024 and is on a consolidated basis of the company.
5. LIMRA, 12/31/2024, based on premiums.
6. Source: Rankings are as of 12/31/24 and are based on premium amounts as reported by LIMRA in the U.S. Individual Annuities Sales Survey and the Variable Annuity Guaranteed Living Benefit Election Tracking Survey. For the purposes of the market share ranking, principal protection, or a Guaranteed Minimum Accumulation Benefit (GMAB) Rider, entitles the contract owner to receive a minimum amount, equal to some percentage of premiums received less withdrawals, at a future specified date. The market share ranking is based on data collected from a LIMRA Secure Retirement Institute Variable Annuity Guaranteed Living Benefit Election Tracking survey. The survey tracks the amount of sales (premiums invested) in variable annuities in which a living benefit was selected. Rankings include all carriers who reported premiums into policies with a GMAB Rider elected vs. premiums that purchased contracts without such a rider elected. If a carrier offers a variable annuity with GMAB but does not report sales to LIMRA, that carrier is excluded from the ranking.
7. Individual independent rating agency commentary as of 11/17/23: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). A.M. Best (Financial Strength): A Best’s Financial Strength Rating is an opinion of an insurer’s ability to meet its obligations to policyholders.
8. Round, Nic. "80% or more of heirs will look for a new financial advisor after inheriting their parents’ wealth." Medium.com, Oct 17, 2024.
9. Coughlin, Joseph. "The Great Wealth Transfer Is Happening But Not In The Way You Think." Forbes.com, Dec 17, 2024.
*Neither New York Life Insurance Company, NYLIFE Securities LLC, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. 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-dealers.
Please refer your clients to the appropriate variable annuity prospectus. 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 the underlying investment options. Please remind your clients to read the prospectuses carefully before investing.
Income and Fixed Deferred Annuities are issued by New York Life Insurance and Annuity Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. All guarantees are dependent on the claims-paying ability of New York Life Insurance and Annuity Corporation (NYLIAC). Available in jurisdictions where approved.
SMRU 5030691 (Exp. 04/19/2025)