*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.
^Guarantees are backed by the claims-paying ability of the issuer.
1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)
2Early withdrawals may incur charges. In addition to paying income taxes that maybe due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.
3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.