Steadily growing, safe and secure. Financial values your future can count on.

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1 Steadily growing, safe and secure. Financial values your future can count on.

2 Retirement: built by you, grown by you 2

3 enjoyed by you. Let s not pretend that your retirement will be like anyone else s. It won t. It will be yours and yours alone, as unique to you as your family tree, your circle of friends, or your favorite points on a map people and places you ll visit frequently, no doubt. But there is at least one thing everyone will share in retirement: the need to pay for it. The truth is that retirement is more than one long vacation. It s where you ll be living, what you ll be doing, and how you ll be paying for it every day for possibly 20 years or more. So how can you help your hard-earned savings last? Two words: smart planning. And that s how a fixed deferred annuity from New York Life can help. It s a dependable retirement foundation that can help grow your money over time guaranteed and even provide a regular income stream for life. 1 It can help you live your retirement dreams with more certainty and keep those dreams on track. 1. All guarantees are dependent upon the claims-paying ability of the issuer, New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware corporation, a wholly owned subsidiary of New York Life Insurance Company. Surrender charges will not be deducted from death benefit proceeds. 3

4 You ve worked hard. Now let your retirement savings work hard for you. Your annuity, your way Whether you re heading toward retirement or you re already there, a fixed deferred annuity from New York Life can give you: n Competitive, guaranteed 1 fixed interest rates. 2 n Growth that s tax deferred. n Relief from the ups, downs, and daily uncertainties of the stock market. n Access to your money when you need it. 3 n Control over when you receive your money and pay taxes on the earnings. n Protection for your beneficiaries through a guaranteed death benefit. 1 n The ability to generate an income stream guaranteed to last your entire life. How fixed annuities work A fixed deferred annuity helps you grow and protect funds for retirement. You can purchase one before or after you retire. The money in your annuity which you invest as a lump sum or multiple amounts, depending on the policy you choose earns a guaranteed, fixed rate of interest. You don t pay taxes on your earnings until you withdraw them. New York Life offers several fixed deferred annuities to match your needs. Depending on the one you purchase, you can lock in your initial interest rate for as short as one year or as long as eight years. Historically, our interest rates have been competitive with bank CDs. 4 It s your money, so you can make withdrawals. Take one when you need it, or set up a recurring automatic withdrawal. 3 You can also convert the money in your annuity to a guaranteed stream of income for life. Ask your New York Life Agent for full information on all the fixed deferred annuities and options we offer. 2. Interest rates are effective annual yields. 3. Withdrawals may be subject to regular income tax and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges and other restrictions may apply. Be sure to read the product fact sheet carefully and speak to your Agent to learn more. 4. CDs are FDIC insured, while annuities are backed by the financial strength of the issuing company. Also, CDs are usually purchased to achieve short-term goals, while annuities are usually purchased to meet long-term goals. 4

5 With room to grow, there s more to enjoy. Tax-deferred accumulation can help give your money a boost $200K Now 10 years 20 years 30 years $162,170 $150K $100K $66,417 $109,556 $117,192 $74,012 $88,224 $130,762 $50,000 $50K Taxable account Tax-deferred account Tax-deferred account, after taxes upon withdrawal This illustration is hypothetical. It s not a projection of any product s future value. Withdrawals of earnings from the tax-deferred account are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty. Tax rate changes may impact the comparative results. Consider your personal investment horizon and income tax bracket (both current and anticipated) when making an investment decision, since these may further impact the results. Lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable. Tax-qualified retirement plans provide tax deferral under the Internal Revenue Code; an annuity provides no additional tax-deferral benefits. Assumptions for the life of the investment: One-time $50,000 lump sum investment. 4% net rate of return (Hypothetical rate used for illustration purposes only). 28% federal tax bracket. 5

6 Eight reasons to consider fixed deferred annuities. 1. They can grow fast Build your retirement base faster through tax deferral. The money in your annuity earns a guaranteed fixed rate of interest and accumulates on a tax-deferred basis. So you don t pay taxes on your earnings until you actually withdraw money from your policy. Think about it: the money you would have paid as taxes on your earnings not only stays in your annuity, but also continues to earn interest until you withdraw it. And since many people lower their tax bracket when they retire, timing your withdrawals can help minimize the taxes you pay What you say goes Decide which fixed deferred annuity is right for you. How much money you commit to your annuity, and how often you make withdrawals, is totally up to you. Depending on the policy you purchase, you can lock in your initial interest rate for one, three, five, six, seven, or even eight years. 3. No out-of-pocket fees Enjoy your earnings without worrying about fees. You won t incur any ongoing, outof-pocket fees when you purchase a New York Life fixed deferred annuity. Your entire premium payment goes to work for you earning interest. 4. You can count on it Receive a guaranteed interest rate at purchase. On the date we receive your money, it begins earning the interest rate that we re crediting on that day. Once the initial interest-rate-guarantee period expires, a renewal rate for your policy will go into effect. We ll adjust it annually. This rate will never be less than the minimum interest rate stated in your policy. You ll receive policy statements each year, notifying you of the interest rate your cash value will earn during the next 12 months. 5. You can take money out 3 Make partial withdrawals any time, or set up automated withdrawals. You can take unlimited partial withdrawals from your policy provided each payment is at least $100. 6

7 You can also request regular payments from your policy on a monthly, quarterly, semi-annual, or annual basis provided each payment is at least $100. Withdrawals may be subject to applicable surrender charges; however, you can withdraw a portion of your cash value without a surrender charge each policy year. A surrender charge is a penalty you incur if you make withdrawals in excess of your surrender-charge-free window during the first few years you own your policy. These charges help defray the costs of issuing that policy. Surrender charges don t apply to: n Portions of withdrawals you make within the surrendercharge-free window. 5 n Required Minimum Distribution (RMD) withdrawals you make for this policy, even if they exceed the window amount. n Policies converted, after the first policy year, into a lifetime income stream through a process called annuitization under a settlement option specified in the policy. n Policies for which you exercise a rider that provides access to amounts over and above the window amount. n Death benefits paid when the policy owner dies. 6. They pay out how you want them to Choose from two settlement options. When you re ready to use the money you ve accumulated in your policy, you can choose from two options to receive your payment(s): n Full surrender At your request, we ll send you a check for your cash value (minus any applicable charges as specified in your policy 3 ). 6 n Life annuity You can use the money in your policy to generate guaranteed lifetime income. How much? It depends on a number of factors, including your policy s cash value, your age, your gender, and the current interest rate available. 7. They help simplify planning Meet Required Minimum Distribution rules automatically. If your annuity is funded with a tax-qualified plan 7 such as a traditional IRA, SIMPLE IRA, SEP, or Tax-Sheltered Annuity, also known as a 403(b) plan 8 the IRS generally requires that you start withdrawing money from your policy by April 1 of the calendar year following the year in which you turn 70½. If you fail to take these withdrawals called Required Minimum Distributions (RMDs) the IRS could charge you significant penalties. Each year, New York Life Insurance and Annuity Corporation will remind you to take your distributions. If you like, we ll calculate the amount of the RMD payments associated with your policy and send you that amount. We ll also automatically calculate RMDs for inherited IRAs, allowing non-spouse beneficiaries of IRAs and 401(k)s to receive that money via distributions over their own lifetimes. It s a good way to spread out their tax burden Your money is passed to your heirs Leave a guaranteed death benefit to your survivors. 10 Should you die, your beneficiaries will be paid a death benefit equal to the policy s cash value (assuming you haven t converted your policy into a lifetime income stream). Paid directly to them, it typically bypasses the costs and delays of the probate process. If your spouse is the sole primary beneficiary of your policy, he or she may be eligible to take over the policy upon your death and keep it active in his or her own name. Otherwise, within five years of your death, he or she must take your death benefit as a lump sum or, within one year of your death, have it annuitized into an income stream. 5. Each policy year, a percentage of the policy s cash value, as of the preceding policy anniversary, or a percentage of the current cash value, whichever is higher, less any surrender charge. Free withdrawals made during the policy year can be withdrawn from the policy without incurring any company-imposed surrender charges. 6. Certain policies permit loans; if there is an outstanding loan balance, it is deducted from the cash value upon full surrender of the policy or at death. 7. Tax-qualified retirement plans already provide tax deferral under the Internal Revenue Code, so the tax deferral of an annuity does not provide any additional benefits. 8. For Tax-Sheltered Annuities (403(b) plans), the IRS generally requires that policyowners begin taking RMDs from their policies by April 1 of the calendar year following the year in which they turn 70½ or retire, whichever is later. 9. Distributions from Inherited IRAs must begin by December 31 of the year following the year of death of the deceased IRA owner. 10. Benefit payments are dependent upon the claims-paying ability of New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware corporation, a wholly owned subsidiary of New York Life Insurance Company. Surrender charges will not be deducted from death benefit proceeds. 7

8 Don t just look forward to a long retirement. Expect it. Most people underestimate how long they re going to live. This means they also misjudge how long their money will need to last. Chances are, a long retirement is in your future. How long? Here s some data on the likelihood of a current 65-year-old living 10, 20, and 30 more years. By the way, a fixed deferred annuity can help steadily grow your money while protecting it from the ups and downs of the market. No matter how long your retirement lasts. The likelihood that a 65-year-old lives to be... Male Female One member of a couple 75 years old 84.9% 90.7% 98.5% 85 years old 56.1% 69.1% 86.4% 95 years old 29.1% 31.7% 46.7% Source: Annuity 2000 Basic Mortality table, projected with scale G. 8

9 9

10 Help grow, protect, and fund your future with a fixed deferred annuity. Let s make some plans Retirement gives you a chance to do the things you love more often like every day, if you wish. But living your best days every day means being financially prepared to do so. If you have time to grow your savings and prefer to keep your money from the uncertainties of the stock market, a fixed deferred annuity may be the best solution for you. It provides competitive, guaranteed, fixed interest rates and tax-deferred growth, helping you fund all the days of your retirement. Why choose New York Life? New York Life Insurance and Annuity Corporation and its parent, New York Life Insurance Company, have always been in the business of serving people and preserving their dreams. And along the way, financial strength and responsibility have seen us through all the ups and downs of the market. But not only are we fiscally responsible partners, we re a company that cares made up of people who are a lot like you. We re working hard to meet life s responsibilities and to build our own futures. We know what s at stake and we re determined to help our customers make their money last today, tomorrow, and decades from now. Getting started You re already on your way. Contact your New York Life Agent to take the next step and ask for a fact sheet for more complete information on any products you are considering. Once you open your policy, call your Agent with questions any time. Keep in mind that New York Life Agents don t provide tax or legal advice. It s important to consult your own tax or legal advisors for questions in those areas. 10

11

12 New York Life Fixed Deferred Annuities New York Life fixed annuities are issued by New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY Guarantees are based on the claims-paying ability of the issuer. Products available in jurisdictions where approved. 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 (12/12) (Exp. 12/7/14) FA41a-01/13 ANN147-12

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