For Individuals In or Nearing Retirement

In a world of economic uncertainty, it is important to know there are guarantees available that make things like retirement a little easier to plan for. Today's retirees are looking for other sources of retirement income to supplement the traditional sources such as Social Security, pension funds and investment portfolios.

The recent economic crisis demonstrates that exposing a large portion of your retirement assets to market volatility puts your savings at tremendous risk. Solutions such as a Guaranteed Lifetime Income Annuity from New York Life Insurance and Annuity Corporation can help protect your savings from risk by establishing a foundation of guaranteed income* for the duration of your retirement, protecting a portion of your retirement income from instability.

In addition to protecting your own future in retirement, it is important to consider your loved ones. New York Life Insurance and Annuity Corporation offers Instant Legacy, a single premium universal life product that provides a guaranteed life insurance benefit as well as a money-back guarantee. The money-back guarantee ensures that the policyowner, upon full surrender, will never receive an amount less than the original premium. As recent history shows, few things in life are truly guaranteed. You should feel safe knowing that New York Life and New York Life Insurance and Annuity Corporation, with their unparalleled financial strength and dependability, have been holding true to their guarantees for years. To find out more about our guaranteed solutions, please contact an agent.

*Guarantees are dependent upon the claims paying ability of the issuing insurer

For Young Protection-Seekers:

The recent events that have impacted our economy have fundamentally altered people's perceptions and attitudes. People like you are being more cautious and are adopting a more "back to basics" approach to their finances. In the "new normal", where individuals are looking to save rather than spend and to mitigate risk rather than shoot for the big return, guaranteed solutions have become increasingly appropriate for more and more people.

According to an August 2009 survey conducted by Ipsos Public Affairs on behalf of New York Life, 83% of adults age 30 or older agreed that the economic crisis has increased their desire to provide financial protection for their family. Not only does permanent whole life insurance guarantee the protection your loved ones need, but it also can accumulate cash value in times of economic uncertainty.

Why can a whole life insurance policy be such an important part of your financial plan? It can:

Safeguard your family's financial future with a guaranteed* life insurance benefit
Protect against fluctuating premium costs with a guaranteed level premium over the life of the policy
Accumulate guaranteed cash value on a tax-deferred basis, which can be borrowed against** to help you make a down payment on a home or send a child to college

As recent history shows, few things in life are truly guaranteed. You should feel safe knowing that New York Life, with its unparalleled financial strength and dependability, has been holding true to its guarantees for over 165 years. To find out more about your own guaranteed solutions, please contact an agent.

*Guarantees are dependent upon the claims paying ability of the issuing insurer
**Loans accrue interest and reduce the death benefit and cash value

Disclaimer

At any time during the life of the policy, you may elect to have your cash surrender value paid, ending the policy. The cash surrender value will never be less than the premium paid into the policy, less partial surrenders and unpaid loans, including loan interest.

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