Our story.

For more than 175 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.

We are New York Life.

Since 1849, our name and 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.

Strength for unprecedented times.  

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. 


Strength for unprecedented times.  

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. 

Our business decisions are never driven by the good opinion of Wall Street analysts. We answer to our policyholders—always with an eye to the long term, but we think Wall Street would be impressed:


Mutual Life Insurer in U.S.5


Financial Strength Ratings for any U.S. life insurer4
Established in


176 years and counting

More than


in Annuity Sales (2020)2

Top 3

Individual Annuity
Provider (2020)



Fortune, World’s Most Admired Companies

Insurance Life and Health (2/1/21)1

Fixed Deferred Annuity Provider
(since 2010)3
Income Annuity Provider
provider of principal protection- 9 consecutive years7


Three pillars on which our business is built:

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.8

Commitment to 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.M. Best



Fitch Ratings



Moody's Investors Service


(Highest for a U.S. life insurer)

Standard & Poors8








(Highest for a U.S. life insurer)

A.M. Best

Fitch Ratings


Moody's Investors Service


Standard & Poors8


Annuity Wholesalers–Your partners in service.

You serve clients whose retirement needs are as unique as they are. Whether they’re planning for a 20- or 30-year retirement, longevity, risk tolerance and lifestyle will inform your guidance. Our Wholesalers are well versed in a range of retirement strategies.

Better products. Better retirement outcomes.

Working with a New York Life Wholesaler gives you access to a comprehensive suite of retirement solutions to satisfy the needs of today’s savvy, resourceful and engaged clients. 

Competitive solutions to meet any retirement need.

Here is a sampling of product types we offer and their benefits:9

From obstacle to opportunity.

Solving advisor challenges is where we thrive. Whether it’s strengthening your knowledge of the evolving needs of today’s retirees; learning how to engage clients in the right conversations; or helping to build an intergenerational business, we embrace collaboration in all its forms.

Building a generation resilient business.

Your New York Life Annuities Wholesaler will help you implement an entire tool kit to assess the potential risks and opportunities your practice is currently facing relating to wealth transfer. They can facilitate you connecting with next generation clientele by helping you discover nuances in their communication style and preferences: taking them from “prospect” to “client for life.”

of heirs will look for a new advisor after coming into an inheritance.11

$68 Trillion
The $68 trillion wealth transfer has already begun, and experts say the next few years will be the most crucial.12

CE credits for every learning style.

We get it—you’re busy, but you need to stay current with your CE credits. Fortunately, when working with your Wholesaling partner at New York Life you’ll have a wealth of options.

Your Wholesaler will ensure you have access to a range of learning opportunities to fit your busy lifestyle. Need to engage in your own time? On-demand is one of the most in-demand forms of learning and we have it. Prefer the efficiency of knocking it all out at once? We’ve got you covered—Super CE is your solution. We offer learning modules in the most sought-after advisor subject areas. Keeping your credentials up-to-date is essential: we want to make it seamless for you.

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 you can unlock with your access:

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

Connect with your wholesaler now.


1. Based on revenue as reported by “Fortune 500 ranked within industries, Insurance: Life, Health (Mutual).” Fortune magazine, 5/18/2020. For methodology, please see http://fortune.com/fortune500/.

2. Total annuity sales represent premiums on our deferred annuities (both fixed and variable) and on our guaranteed income annuities. Sales are generally recognized when premiums are received. Annuities are primarily issued by NYLIAC.

3. LIMRA, March 2021. https://www.limra.com/siteassets/newsroom/fact-tank/sales-data/2020/q4/2020

4. Individual independent rating agency commentary as of 9/30/2021: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+).

5. NYLIC: Based on revenues as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual).” Fortune magazine, February 2021.

6. Statutory surplus and Asset Valuation Reserve show is as of 12/31/2020 and is on a consolidated basis of the company.

7. Source: Rankings are as of 12/31/20 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, which can be added to certain variable annuities, 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.

8. Individual independent rating agency commentary as of 9/30/2021: 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.

The Best’s Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)’s products or services. A.M. Best is not responsible for transcription errors made in presenting Best’s Rating Reports. Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited. Best’s Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site, www.ambest.com.

Fitch Ratings (Insurer Financial Strength): Fitch Ratings’ Insurer Financial Strength rating provides an assessment of the financial strength of an insurance organization and its capacity to meet senior obligations to policyholders and contract holders on a timely basis.

Moody’s (Financial Strength): Moody’s Insurance Financial Strength Ratings are opinions of the ability of insurance companies to repay punctually senior policyholder claims and obligations.

Standard & Poor’s, a division of The McGraw-Hill Companies, Inc., provides independent financial information, analytical services, and credit ratings to the world’s financial markets.

9. Product availability may vary, depending on firm.

10. All guarantees are backed by the claims-paying ability of the issuer.

11. CNBC.com. 10/21/19. Andrew Osterland. What the coming $68 trillion Great Wealth Transfer means for financial advisors.


12. 12/4/20. Accesswire. The $68 Trillion Wealth Transfer No One’s Really Talking About and What You Can Do Next. www.accesswire.com. 

*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.