There s more to insurance than you expect.

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1 There s more to insurance than you expect. And you can bank on that.

2 Life has a way of throwing things at you, some expected, others not so much. Whatever the case may be and no matter the situation, permanent, cash value, whole life insurance from New York Life can give you the death benefit protection you and your family need, while at the same time providing living benefits, helping you grow a reserve of funds that can be accessed when you need it most. Let s take a holistic approach. You might already have life insurance through your employer as part of your compensation package. It s usually relatively inexpensive and gives you a lot of coverage. Most likely, this is term life insurance. It s good to have, but it s limited to a set period of time and really only offers one benefit: the peace of mind of knowing that your beneficiaries will receive a payment upon your death. A whole life policy offers you the same thing, except that it s permanent, and with each premium payment you make, your cash value grows. And as your cash value grows, so does the amount you can borrow from your policy that s money that can be used for whatever you deem necessary. A whole life policy is also eligible to receive dividends that can add even more value to your policy and increase your cash value. Your policy s death benefit will provide your beneficiaries with money they may need to pay a mortgage, medical bills, tuition, or replace a lost income.

3 The benefits of cash value whole life insurance. Just take a look at the many benefits and valuable tax advantages that a permanent cash value whole life policy offers: Guaranteed death benefit 1 Income tax-free death benefit Premium guaranteed never to increase Tax-free access to cash values 4 Whole Life Guaranteed cash value growth Protected from creditors 3 Tax-deferred cash value growth Additional growth through dividends 2 Bank on the living benefits of whole life. We don t have to tell you that the life you want to provide your family comes with a price tag especially if you re not financially prepared. That s why you work hard and try to make the right decisions. The cash value that accumulates in your permanent whole life policy can be used for the important things in life. New York Life has paid dividends to eligible policy owners every year since Emergency funding Education Major purchases New home Retirement 1 All guarantees are based on the claims-paying ability of the issuer. 2 Dividends, which provide an opportunity for cash value growth, are not guaranteed. 3 Varies by state. 4 You can access the cash value in your policy, generally tax free, via partial surrenders and policy loans. Policy loans and surrenders reduce the policy s cash value and death benefit. Loans also accrue interest.

4 Your money is there when you need it. No hassle, no questions asked. Since the cash value is part of the policy you own, taking a policy loan is easier than getting a loan from a bank you re essentially taking a loan from yourself. Bank loan Approval process. Possible denial. Loan amount limited by bank determination. Interest rate based on credit rating. Estate must settle debt upon passing. Some charge prepayment fees. Must be paid back within specific time frame. Need credit/affects credit. Policy loan No approval process. Cannot be turned down. Loan amount limited to cash value. Competitive interest rate, regardless of credit rating. No outstanding debt left at death. No prepayment fees. No fixed payment plan. No credit check/won t show up on credit report. Let s look at an example: Mark is a 35-year-old who recently purchased a whole life policy with a face amount of $500,000. He can access the cash value in the policy for any of life s important events. Pay back loan #1 $417 a month Pay back loan #2 $417 a month Pay back loan #3 $417 a month Cash value Policy year Loan #1 $10,000 emergency home repair, pay back in 2 years. Loan #2 $50,000 supplement college costs, pay back in 8 years. Loan #3 $20,000 down payment on daughter s first home, pay back in 4 years. Supplement retirement income With the repayment of each loan, your cash value and death benefit will be fully restored, allowing you to access cash for future events. 5 5 If you do not repay a loan, the cash value and death benefit of your policy will be reduced. Excess loans can terminate a policy.

5

6 Ask yourself Which financial product in your portfolio offers this level of accessibility, growth, and stability guaranteed? A whole life policy from New York Life offers: Permanent death benefit protection money for your beneficiaries when they need it most. Guaranteed cash value growth. 1 Access to cash value. 4 Tax-deferred cash value growth and a legacy that s generally free from income taxes. Why New York Life? At New York Life, we ve been keeping our promises to policy owners like you for generations. Since 1845, those who have put their trust in us have been rewarded with the peace of mind that come from an unwavering commitment to stability and financial strength. Our consistently high ratings from the major credit ratings agencies speak to these important attributes. It s exactly the kind of reputation, history, and mind-set you can always bank on whatever your financial goals may be. Talk to your agent about how permanent, cash value, whole life insurance can fit into your financial plan. In Oregon, the policy form number for New York Life Whole Life and New York Life Custom Whole Life is ICC The rider form numbers are as follows: Disability Waiver of Premium: ICC ; Option to Purchase Paid-Up Additions: ICC ; and Chronic Care: ICC New York Life Insurance Company 51 Madison Avenue New York, NY RB SMRU (Exp )

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