About New York Life

About New York Life

Our promise? To work with you to build a strong financial future.

We have always believed in helping people like you, families like yours, and businesses of all kinds create, protect, and preserve their financial security. Since 1845, we’ve been doing just that—making sure our customers are prepared for whatever life has in store and that we will be there to help them face the future with confidence.

We’re a lot like the clients we serve. Each of us is working hard to meet life’s responsibilities and build our own futures. Funding retirement? Looking after aging parents? Dealing with the death of a family member? We’ve been there, and we’ve persevered through the toughest of times. So when we work with you, we appreciate that we are being trusted with your most important assets: your family and your business. We take that responsibility seriously. For more than 167 years, we’ve kept every promise we’ve made to our customers. That’s simply a fact.

We invite you to explore the depth of that commitment: Talk to your friends and neighbors—many of them may be our customers. Talk to anyone who’s worked at New York Life. Join the conversation on our Facebook page. Tour our website. Read what A.M. Best, Fitch, Moody’s, and Standard & Poor’s have to say when they consistently give us the highest possible financial strength ratings currently awarded to any life insurer. We’re honored by the trust that millions have in our company, and by the fact that we have earned the steady, ongoing loyalty of families coast-to-coast, often stretching back for generations.

So whether you’re on your own, have a family, or run a company, let’s talk about your future. We’re New York Life, the Company You Keep®. And we look forward to showing you all the reasons why.

We’re a Fortune 100 company headquartered in New York, but you’ll find us at work in all 50 states—plus Mexico—thanks to our network of more than 10,000 employees and 12,250 licensed agents. From life insurance, to retirement planning, to smart investment solutions, our network of agents offers our clients knowledge and tools for enhancing their lives. We offer our products and services through three major business areas:

Insurance Group

We offer life insurance for individuals and families at every income level and stage of life, primarily through our career agents. This could mean Term Life Insurance for a young family just starting out or Whole Life Insurance for a couple planning their future. We also offer Long-Term Care Insurance for those who want to be prepared in the event they need assisted care. For companies of all sizes, we offer Corporate Life Insurance (COLI) and Bank-Owned Life Insurance (BOLI), which protect businesses in the event that a senior executive is lost. We work with AARP to offer life insurance and annuities to their members. Our Group Membership division is the largest underwriter of professional association insurance programs in the US, covering more than 500 associations.

Investments Group

We provide a broad base of investments to help you save for your retirement and products to turn your savings into income streams that will last a lifetime. We also serve retail and institutional clients and manage the New York Life general account, making sure that our investments support our ability to make good on the promises made by our insurance and annuity products, which are sold primarily through our career agents and through third parties such as brokers and financial advisors.

Four main Investment Group areas serve our diverse group of customers:

Guaranteed Products provides group annuities and funding agreements to institutional clients such as businesses, municipalities, pension funds, etc.

Institutional Strategies manages investments for major corporations, state and local governments, foundations, endowments and financial service firms around the globe.

Retail Investments provides mutual funds and separately managed accounts (SMAs) through MainStay Investments, as well as income and investment annuities. The Retail Investments team works with both individual and institutional investors.

Retirement Plan Services is a leading provider of record-keeping services for retirement plans for corporations, multi-employer trusts, and individuals.

Agency

More than 12,000 strong, our Agency field force is the company’s primary distribution channel. New York Life agents are often recognized as among the best trained in the industry and their commitment to serving the needs of their customers is unmatched.

Here to help, today and tomorrow.

Have questions? Need to speak with a New York Life agent or NYLIFE Securities LLC financial services expert?

Just give us a call. 800-710-7945

*Offered through NYLIFE Securities LLC, (member FINRA/SIPC) **MainStay Funds are managed by New York Life Investment Management, LLC, an indirect wholly owned subsidiary of New York Life Insurance Company, and distributed by NYLIFE Distributors LLC, 169 Lackawanna Avenue, Parsippany, NJ, 07054, a wholly owned subsidiary of New York Life Insurance Company. NYLIFE Distributors LLC is a member FINRA/SIPC.

For more information about MainStay Funds, call 800-MAINSTAY (624-6782) for a prospectus, or a summary prospectus. Investors are asked to consider the investment objectives, risks and charges, and expenses carefully before investing. The prospectus and summary prospectus contain this and other information about the investment company. Please read the prospectus or summary prospectus carefully before investing.

MainStay Investments is a registered service mark and name under which New York Life Investment Management LLC does business. MainStay Investments, an indirect wholly owned subsidiary of New York Life Insurance Company, provides investment advisory products and services.

****"New York Life Investments" is a service mark used by New York Life Investment Management Holdings LLC and its subsidiary, New York Life Investment Management LLC. NYLIFE Securities LLC and New York Life Insurance and Annuity Corporation are wholly-owned subsidiaries of New York Life Insurance Company.

1Source: Third Party Ratings Reports: A.M. Best A++, Moody’s Aaa, Standard & Poor's AA+ and Fitch AAA as of 1/25/12. The financial strength and ratings do not apply to any investment products because they are subject to market risks and will fluctuate in value.

2New York Life was the largest seller of individual life insurance, according to an industry source. Note: Sales based on all planned recurring premiums plus 100% of reported single premiums. Source: LIMRA International, Fourth Quarter YTD 2011 Individual Life Insurance Sales Survey.

3Insurance sales represent annualized first-year premium on participating whole life insurance, term life insurance, universal life insurance, long-term care insurance, and other health insurance products. A sale is generally counted when the policy is paid. Adjustments are made to reflect the relative importance of certain sales, primarily: single premium agency sales and all sales through our Advanced Markets Network (AMN) distribution channel, our network of independent agents and brokers, are counted 10 percent and AMN Bank-Owned Life Insurance is excluded. In addition, Guaranteed Lifetime Income (GLI) annuity sales have been re-classed to investment sales. Insurance sales are generated from both our domestic and international businesses (where sales reported at ownership percentage).

4Investment sales include individual immediate annuities (including GLI), individual accumulation annuities, mutual funds, and third-party asset management funds. International investment sales are reported at ownership percentage.

5Assets Under Management represents Consolidated Domestic and International Insurance Company Statutory assets (cash and invested assets and separate account assets) and third-party assets principally managed by New York Life Investment Management Holdings LLC, a wholly-owned subsidiary of New York Life Insurance Company.

6Policyholder benefits primarily include death claims paid to beneficiaries and annuity payments. Dividends are payments made to eligible policyholders from divisible surplus. Policyholder benefits and dividends include the Company and its domestic insurance subsidiaries. Dividends are not guaranteed. 2010 results have been adjusted to conform with our 2011 definition.

7Statutory surplus and the asset valuation reserve (“AVR”) shown is on a consolidated basis of the Company.

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