* Accessing cash value will reduce the available cash surrender value and death benefit of the policy.
1 Guarantees are backed by the claims paying ability of the issuer.
2 Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before 59 ½ may also be subject to a 10% federal tax penalty.
# Securities products and services are offered by properly licensed registered representatives through NYLIFE Securities LLC (MemberFINRA/SIPC), a Licensed Insurance Agency and a New York Life Company.
3 Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.