*Policy loans will accrue interest daily. Any outstanding loans plus interest will reduce the available cash surrender value and death benefit of the policy. Any loan interest that you do not pay when due will be added to the policy's outstanidng loan principal and will also accue interest daily.
^Guarantees are backed by the claims-paying ability of the issuer.
#Securities products and services are offered through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency and a New York Life company.
1Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.
2Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.