Our Annuities
New York Life Annuities
IndexFlex Variable Annuity
A new retirement solution designed for this moment—backed by a company built for all the moments to come.
Fixed Deferred Annuities
Retirement solutions. It's what we do.
Access login for policyholders and learn more about our solutions.
Advisor Account Access
Access client accounts, illustrations and more.
A reputation built on integrity.
Financial strength backed by the highest ratings. Learn more about New York Life Annuities.
News worth knowing.
From Wall Street to Main Street, the news you need about investing for retirement is all right here. All articles are either written by the experts at New York Life or contain meaningful information about us.
Lessons from Pandemic Retirees
The 100 Best Annuities for Today's Market
Advisor Perspectives
The Future of the Retirement Income Industry
Please click here for important information about this podcast.
Decumulation in an evolving interest-rate environment
Making the Switch: How to Go from Growth to Income
Rising Costs, Less in Savings: How the Pandemic is Slamming the 'Sandwich Generation'
Investments & Wealth Institute
Understanding the True Cost of Health Care in Retirement
Why ROI is the Wrong Metric for Guaranteed Income
Life Health
Managing The 'Sequence of Returns Risk'
Fund Intelligence
Annuity Providers Trade Ranks after Market Upheaval
SECURE Act Creates Wrinkle for Annuities in Inherited IRAs
Annuities Offer Retirees Peace of Mind in Choppy Markets. But They Come at a Cost.
Life Annuity Specialist
Buyers May Seek More Exotic Annuity Indexes as Stocks Flounder
How The SECURE Act Impacts Annuities In 401(k)s And What Still Needs To Be Done
Managing Risk in Retirement: Lessons from COVID-19
Plan Sponsor
A Changed Perspective
Is the Coronavirus Crisis the Right Time to Talk to Clients about Annuities?
Insurance News Net
Annuities Help Clients Shed Their Risk Fears
2019 Annuity Sales Hit Highest Level Since '08
What the 'Father of 401(k)s' Thinks of the Secure Act
Timing Matters When it Comes to Managing Sequence-of-Returns Risk
A Not So SECURE Future for Annuities Growth?
Retirement Income journal
How to Choose an Annuity Issuer
Activating An Annuity's Income
The Top 100 Annuities—and How to Choose the Best for You
Lessons for Those 'Graduating' to Retirement
The New York Life IndexFlex Variable Annuity-FP Series(IndexFlex) is a hybrid product combining the predictability of an index‐linked account with the investment flexibility of variable subaccounts. Investments in the index-linked accounts track a well-known index with the performance being limited by a cap or flat rate with downside principal protection. The "Cap for Term" noted in the podcast refers to a cap rate remaining in effect for the duration of a surrender charge period. It should be noted that after this initial period of rate certainty, rates for future index-linked investments remain in effect for only one year. The variable investment subaccount available through IndexFlex are subject to market risk and may lose value.
The reference to "protected growth" in connection with variable annuities refers to the "principal protection" aspect of the index-linked account in IndexFlex and the Investment Preservation Rider-FP Series(IPR), which can be accessed through the New York Life Premier Variable Annuity-FP Series. The IPR is an optional rider made available for an additional fee.
CDs, bonds, and annuities are distinct financial products used for different purposes. CDs are accumulation vehicles and are FDIC insured up to $250,000. A bond is a debt instrument that pays loan interest and eventually repays the principal loan to the lender. Annuities are retirement products where an investor pays premiums to an insurance company which in turn agrees to pay out a lifetime income.
Variable annuities are long-term financial products designed for retirement purposes. There are fees, guidelines, risks, restrictions and limitations to consider. Withdrawals or surrenders may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply. Any guarantees are based on the claims-paying ability of the issuer. For costs and complete details, investors should contact a financial professional.
Please consider the investment objectives, risks, charges, and expenses of the variable annuities carefully. The prospectus contains this and other important information; you can request a prospectus from a financial professional. Read the prospectus carefully before investing.
This material is general in nature and is being provided for informational purposes only. It was not prepared, and is not intended, to address the needs, circumstances and/or objectives of any specific individual or group of individuals. New York Life and its affiliates are not making a recommendation to purchase any specific products. For advice regarding your personal circumstances, you should consult with your own independent financial and tax advisors.
In most jurisdictions, the policy form numbers are New York Life IndexFlex Variable Annuity–FP Series (ICC20V-P02 or it may be NC20V-P02). New York Life Premier Variable Annuity - FP Series (ICC18V-P06 or it may be NC18V-P06); Investment Preservation Rider - FP Series (ICC19V-R02 or it may be NC19V-R02).
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 dealer.
Investments and insurance products are:
Not FDIC/NCUA Insured | Not Insured by Any Federal Government Agency | Not a Deposit or Other Obligation of, or Guarantee by, the Bank or Any of Its Affiliates | May Lose Value
Our suite of solutions helps prepare for retirement with confidence and peace of mind.
Our tools help financial professionals lay a solid retirement foundation.
Our legacy of financial strength is built on our longstanding tradition of putting people first.
This material is being provided for informational purposes only, and was not prepared, and is not intended, to address the needs, circumstances and objectives of any of individual or groups of individuals. New York Life, its affiliates, employees and agents are not making a recommendation that any of your particular clients purchase any specific products, and do not provide tax or legal advice.
Annuities are long-term financial products used for retirement purposes. Annuities contain certain fees and charges and there are risks, restrictions, and limitations to consider. Variable annuities are subject to market risk including possible loss of principal. Withdrawals or surrenders may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation (NYLIAC).
Clients should consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. The product and fund prospectuses contain this and other information and can be obtained from a financial professional. Clients should read the prospectuses carefully before investing or sending money.
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 dealer.
Income annuities and deferred annuities are issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), 51 Madison Avenue, New York, NY 10010.
© 2000-2021. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. 212-576-7000. All rights reserved.
Privacy and Other Policies