Insurance. New York Life Custom Whole Life. Whole Life That Offers More Than Just Protection. The Company You Keep

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1 Insurance New York Life Custom Whole Life Whole Life That Offers More Than Just Protection The Company You Keep

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3 Introducing the First Whole Life Product that Lets You Set the Pace Whole Life insurance has always been a way to build a foundation for tomorrow while ensuring what you most value today your loved ones, your business, you new home will still be financially protected in the event of the unexpected. Your premium rates can never go up, for the life of the policy. You are guaranteed tax-deferred cash value growth. Your life insurance can never be cancelled, even if your health deteriorates, so long as you pay your premiums. In addition, with a mutual company like New York Life, Whole Life entitles you to receive company dividends, which may provide extra earnings. 1 1 Dividends are based on the policy s applicable dividend scale, which is neither guaranteed nor an estimate of future performance. Although dividends cannot be guaranteed, New York Life has paid annual dividends to policyowners for over 150 successive years. 1

4 And there are important tax benefits, too: The cash value of your policy builds tax-deferred. You pay no taxes annually on its growth. Any death benefits paid to your loved ones are generally tax-free. Plus, you can always enjoy easy access to your cash value via policy loans. 2 The combination of guaranteed death benefit protection, tax advantages and access to cash value has made Whole Life a financial mainstay for generations. Now New York Life is proud to introduce Custom Whole Life a revolutionary, next-generation product that offers all the time-honored advantages of Whole Life, but goes one major step better: Custom Whole Life lets you decide when you want to stop paying premiums. 3 2 Policy loans incur interest and decrease the death benefit and amount of cash available for payout by the amount of the unpaid loan plus interest. 3 In no case can the premium paying period be less than 5 years or can extend beyond age 75. 2

5 Custom Whole Life May Help You Reach Your Goals Faster Traditionally, Whole Life insurance has required that you either pay premiums for the life of the policy up to age 100 or you can choose to compress your premiums over 10 years, 20 years, or to age 65. The disadvantage of the lifetime payment method is that you are saddled with paying premiums right through retirement. Yet the limited number of shorter-term payment plans may not fit your budget or timetable. Custom Whole Life is the first Whole Life product that offers you the unique ability to set your own premium payment schedule. In fact, it allows you to pick the exact year you want your Whole Life policy to be paid-up ending your premium payments. Custom Whole Life allows you to: Pay all your Whole Life premiums in as little as five years. Pay-up your policy at any age you choose, up to age 75. For a 30-year-old, that means the premium payment period can be from 5 to 45 years. 3

6 What s more, Custom Whole Life is available for anyone from birth to age 70, and should the entire death benefit no longer be needed, the policy values may provide many uses from supplemental retirement income 4 to helping fund a child s college education. What Is a Paid-Up Whole Life Policy? A Whole Life policy is paid-up when all required premium payments have been made. From that point on, not only are premiums no longer required to keep your coverage in force, but your policy s value will continue to appreciate. Keep in mind that even though your premiums end when you choose, your life insurance coverage continues for your lifetime. 4 Policy loans incur interest and decrease the death benefit and amount of cash available for payout by the amount of the unpaid loan plus interest. 4

7 Why Is Being Able to Set Your Own Premium Schedule So Important? At first blush, being able to choose your own paid-up policy date may not seem that important. But consider these major advantages: Freedom from Premiums Earlier Custom Whole Life can eliminate your premiums in as little as five years. You decide when you want them to end. No Premium Payments in Retirement Not everyone retires at age 65 anymore. Custom Whole Life lets you time your premium payments to end before or at your retirement if you wish, lightening your retirement expenses while potentially adding to your income after retirement. Fits Your Financial Timetable Whether you want to take a lifetime or only a few years to pay up your policy (or someone else s), with Custom Whole Life the pace is up to you. It conforms to your life and goals, and may fit into any financial plan. Faster Policy Growth A key benefit of Custom Whole Life is the ability to build up cash value faster. The more premium you pay, the faster policy values grow. 5

8 Option to Access Policy Values While Custom Whole Life should be purchased for the protection that traditional whole life insurance offers, it is specifically designed to maximize the benefits of paying up your policy earlier. This allows you to have a lifetime of protection without the burden of having to pay premiums once the policy is paid-up. 6

9 Custom Whole Life s Other Major Advantage Supplemental Income If your needs change and protection becomes less important to you after you have finished paying premiums and the policy is paid-up, the policy can provide an income stream through the use of policy values. 5 If you want, we ll automatically send you a check each month. For Those Already Maximizing Their Annual Retirement Plan Contributions... You may already be maximizing your annual contribution limits on your 401(k) or other qualified plan contributions, yet want more for retirement. 6 You can pay premiums to a Custom Whole Life policy in addition to any qualified retirement plan, providing the potential for a more comfortable retirement. 7 5 This policy can provide periodic income stream through the use of policy values. This income stream can be funded by: (1) only cash withdrawals from any available paid-up insurance cash values up to the amount of premiums paid; (2) only a policy loan from the policy s cash surrender value; or (3) a combination of both. Since these policy values include dividends, which are not guaranteed, the income stream funded by these policy values is not guaranteed. Loans against your policy accrue interest and decrease the death benefit and cash value by the amount of the outstanding loan and interest. 6 Policy loans incur interest and decrease the death benefit and amount of cash available for payout by the amount of the unpaid loan plus interest. 7 Neither New York Life nor any of its agents are in the business of offering tax or legal advice. You should consult with your own professional tax advisers to determine the appropriateness of any course of action. 7

10 Children and/or Grandchildren Including Education Funding A gift of a Custom Whole Life policy to your children or grandchildren reduces the size of your estate 8 while providing them with an asset that is guaranteed to grow over time potentially paying for college or even for a first home. Business Owners and Executives With its tax-deferred cash value growth potential and customizable premium schedule, Custom Whole Life may be suitable for the small business owner as supplemental retirement income. 9 It can also be used for employee incentive and deferred compensation plans. Employers can time policies to reach paid-up status and access to the policy values precisely at each key employee s retirement, or before. 8 Neither New York Life nor any of its agents are in the business of offering tax or legal advice. You should consult with your own professional tax advisers to determine the appropriateness of any course of action. 9 Policy loans incur interest and decrease the death benefit and amount of cash available for payout by the amount of the unpaid loan plus interest. 8

11 Customize Your Policy Even More with These Riders In addition to the life insurance protection and potential income stream you ll enjoy with Custom Whole Life, you have a large selection of specialized riders that can further enhance your protection and customize your policy. 10 Speak to your New York Life agent to find out which riders are available in your jurisdiction, and which ones can best accommodate your needs and financial situation. Accidental Death Benefit ADB provides an additional death benefit equal to the face amount of the policy if the insured dies as a result of an accident. Dividend Option Term 11 Helps make more insurance coverage available at a lower cost. DOT combines a decreasing term rider with the paid-up additions dividend option. As the paid-up additions increase, the term insurance decreases to provide a level death benefit. It can be converted to a Custom Whole Life, Whole Life, or Modified Premium Whole Life policy within the first 10 policy years. Your New York Life agent can tell you how this rider can help you. 10 Policy loans incur interest and decrease the death benefit and amount of cash available for payout by the amount of the unpaid loan plus interest. 11 The premium for the DOT rider is paid out of pocket for the first five policy years. In years 6 and subsequent the available internal dividend values are used to pay the DOT rider premiums, therefore, dividend values will decrease and the policy values available to be accessed or to fund an income stream will also decrease. 9

12 Living Benefits Rider LBR gives you access to a portion of the policy s eligible death benefit should you ever be diagnosed with a terminal illness with a life expectancy of 12 months or less to meet medical expenses or pay for home care. (Various states have established different life expectancy periods once terminal illness is diagnosed.) Option to Purchase Paid-up Additions OPP is an economical way to increase your death benefit protection, or build more cash value, increasing the amount of money available for retirement. This may be valuable if you ve funded existing retirement plans to the annual contribution limits. Upromise Rider If you have children or grandchildren, you re probably familiar with Upromise. This rider provides for the one-time deposit of the Upromise contribution amount of $25 for each Custom Whole Life policy into the Upromise College Savings Account 12 that you designate. Waiver of Premium WP can give you peace of mind by assuring that your coverage is continued, even if you re unable to pay premiums due to a disability. With this rider, New York Life will waive all premiums should the insured become totally disabled, as explained in the rider. 12 All contributions will be held in a brokerage account with Upromise Investments, Inc., Member NASD/SIPC and a wholly owned subsidiary of Upromise, Inc., neither of which are affiliated with New York Life or its subsidiaries. 10

13 Whole Life on Your Terms Custom Whole Life is a next-generation product designed to give you greater choice, control and performance than other Whole Life policies. Before you choose other life insurance, make sure to speak with your New York Life agent about the many advantages of Custom Whole Life. Our knowledgeable agents will be happy to show you how to design a Custom Whole Life policy that meets your needs. 11

14 Just Another Innovation from New York Life The Company You Keep Since 1845, New York Life Insurance Company has been providing quality insurance products to individuals, families, and businesses. Our financial strength is affirmed by the four major independent ratings agencies, which consistently award New York Life high ratings: A.M. Best A++ Superior Standard & Poor s AA+ Very Strong Moody s Aaa Exceptional Fitch AAA Exceptionally Strong Source: Third-Party Rating Reports (as of 1/1/07). For more than 160 years, we have conducted our business around the central values of financial strength, integrity, and humanity and have remained committed to being a mutual company, owned solely by our policyholders. This means that, regardless of the economy, our focus is fixed on just one objective: meeting the needs of our customers, now and far into the future. Talk to your New York Life agent today and find out why we are The Company You Keep. 12

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16 New York Life Insurance Company New York Life Insurance and Annuity Corporation (A Delaware Corporation) 51 Madison Avenue New York, NY The Company You Keep 14228(12/06) SMRU CV(Exp.04/08)

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