Life Insurance. Picture Your Legacy. New York Life Legacy Creator Single Premium Variable Universal Life. The Company You Keep

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1 Life Insurance icture Your Legacy New York Life Legacy Creator Single remium Variable Universal Life The Company You Keep

2 Leave more of your money to your beneficiaries, and less to taxes 1

3 You want to leave as much as possible to those who mean the most to you. And having confidence in the products and investments you choose to meet this goal is now more important than ever. With all the financial products available, it can be a challenge to know what s right for you. Choosing the right mix of insurance and financial products can help to secure your retirement, provide the life insurance coverage you need and protect your beneficiaries from a heavy tax burden. New York Life Legacy Creator Single remium Variable Universal Life (SVUL) 1 can help you leave more of your money to your beneficiaries, and less to taxes. It is a variable universal life insurance policy funded with a single premium payment. It can help protect the money you leave to your beneficiaries from income taxation, while maximizing the opportunity to grow your money through policy investment options that you choose based on your risk tolerance. New York Life Legacy Creator SVUL lets you immediately leverage your premium payment into a life insurance benefit. Like all life insurance policies, its proceeds pass on to your beneficiaries generally tax-free, and without the costs, delays and public attention of probate. As a variable product, New York Life Legacy Creator SVUL also offers the potential for cash value accumulation through policy investment options. This cash value accumulates on a tax-deferred basis. A Simple Way to Create a Legacy All it takes to get started is a single premium payment and completion of a short medical questionnaire. You ll quickly learn whether you ve been pre-approved for the policy. And you won t have to worry about paying an annual bill for your life insurance. With New York Life Legacy Creator SVUL, no matter what happens in the market, your beneficiaries are guaranteed 2 to receive a life insurance benefit that will never be less than the total premiums paid. 3 And you always maintain access 4 to the money within your policy. 1 Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company. 2 Any guarantee associated with a variable universal life insurance policy, including the life insurance benefit, is based on the claims-paying ability of the issuing company, and does not apply to the investment performance or safety of the underlying investment options. 3 Less any partial withdrawals and applicable surrender charges in excess of policy gain, and any loans and accrued loan interest. The life insurance benefit guarantee will not apply if the sum of outstanding loans plus accrued loan interest is greater than the policy s cash value. 4 artial withdrawals and unpaid loans, including loan interest, will reduce the policy s cash surrender value and life insurance benefit and may carry a 10% IRS tax penalty if the policy is a modified endowment contract and the policyowner is not yet age 59½. lease consult your tax advisor for more information. If loans and accrued loan interest are greater than the policy cash value, the life insurance benefit guarantee will be rendered inactive. 2

4 Is New York Life Legacy Creator SVUL right for you? New York Life Legacy Creator SVUL could be suitable for those who: Have a sum of money they would like to leverage into a death benefit that is generally distributed tax-free Want to leave a legacy that generally avoids the expense, delay and public attention of probate Are attracted to the potential for higher rates of return and willing to accept investment risks Want to take control of how their premium is invested Are interested in writing one check instead of paying ongoing premiums If you ve answered yes to most or all of these questions, New York Life Legacy Creator SVUL is an option you should strongly consider. Help grow your policy s cash value through your choice of policy investments 3

5 Investment Options May Increase Your Legacy New York Life Legacy Creator SVUL offers the opportunity to grow your policy s cash value through policy investments. You can select up to 21 investment options from among 38 Investment Divisions and/or a Fixed Account. These Investment Divisions typically include stock, bond, balanced, international and money market portfolios. Your policy s cash value may accumulate tax-deferred, and can be accessed during your lifetime through loans and partial withdrawals to meet emergency funding needs. 4 Surrender charge-free withdrawals are available when you withdraw in any policy year no more than 10% of your policy s cash value (less partial withdrawals already taken in that year) or 100% of your policy s gain whichever is greater. g Easy Distribution In most cases, your life insurance benefit passes on to your heirs free of probate, giving them more rapid, hassle-free access to their inheritance. g A Fast and Easy Approval rocess Answer a simple questionnaire, and find out whether you re pre-approved. g otential for Growth Through Tax-Deferred Cash Value Accumulation The cash value in your policy accumulates tax-deferred. g Access to Your Money When You Need It You can access 4 your policy s accumulated cash value through loans and withdrawals to meet any financial need. A portion can be withdrawn in any policy year at no charge. 5 While a New York Life Legacy Creator SVUL policy has the potential for greater returns, it s important to remember that earnings within the Investment Divisions will vary with market conditions, and your accumulated cash value may be at risk. The amount of non-guaranteed life insurance proceeds will fluctuate as the cash value changes. A Lifetime of Benefits With a Single remium g Tax-Advantaged Wealth Transfer Your single premium payment purchases a life insurance benefit paid to your beneficiaries generally income tax-free. g A Wide Range of Investment Options Select up to 21 investment options at one time. g Tax-Free Transfers Among Investment Options As your financial objectives change, so, too, can your Investment Divisions within your policy. Transfers between Investment Divisions are easy and generally free from tax implications traditionally incurred outside of life insurance contracts. 6 g Guaranteed Life Insurance Benefit No matter how the underlying investment options perform, your beneficiaries will never receive less than the total premiums paid. 3 5 In the first nine policy years, you can withdraw up to the greater of 10% of the policy s cash value, less partial withdrawals already taken in that year, or 100% of the policy s gain without incurring a surrender charge. There are no surrender charges in policy years 10 and beyond. 6 We reserve the right to charge for each transfer after the first 12 transfers in a policy year. Transfers under the Dollar Cost Averaging, Automatic Asset Reallocation and Interest Sweep features will not count toward the yearly 12-transfer limit. However, transfers from the Fixed Account to the Investment Divisions in a policy year cannot exceed the greater of 20% of the amount in the Fixed Account at the beginning of the policy year, or $5,000. This policy is not designed as a vehicle for market timing. Your right to make transfers under the policy is subject to modification if we determine, in our sole opinion, that the exercise of that right will disadvantage or potentially hurt the rights of other policyowners. 4

6 Why New York Life? Since 1845, New York Life Insurance Company, the parent company of New York Life Insurance and Annuity Corporation (NYLIAC), has provided quality insurance products to individuals, families and businesses. For more than 160 years, New York Life has kept its promises to millions of individuals and families seeking long-term financial security. We have always conducted our business around the core values of financial strength, integrity and humaity and have remained committed to being a mutual company, owned solely by our participating policyowners. This means, regardless of the economy, our focus is fixed on just one objective: meeting the needs of our customers, now and far into the future. When you re looking for a partner to help you meet your financial goals, New York Life Insurance Company is The Company You Keep. This material is authorized for distribution to the general public only if preceded or accompanied by effective product and fund prospectuses. Investors are asked to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. lease read the prospectuses carefully before investing. Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) Distributed by NYLIFE Distributors LLC, Member FINRA/SIC Securities offered through properly licensed Registered Representatives of NYLIFE Securities LLC (Member FINRA/SIC), A Licensed Insurance Agency, 51 Madison Avenue, New York, NY NYLIAC, NYLIFE Distributors LLC and NYLIFE Securities LLC are wholly owned subsidiaries of New York Life Insurance Company. Neither NYLIFE Securities LLC nor its Registered Representatives provide tax, legal or accounting advice. lease consult your own advisors on these matters. 5

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8 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 14329_0211 SMRU CV(Exp.02/10/13)

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