Your wisdom is just one gift that can last a lifetime.

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1 Your wisdom is just one gift that can last a lifetime. Turn your savings into a legacy in an instant.

2 Saving is smart. Getting more out of your savings is smarter. You ve made some smart decisions and you ve set some money aside. Maybe you have extra savings, a CD, cash that you ve stashed away for a rainy day. It s nice to have an extra cushion, but is there something smarter you could do with it? NYLIAC Instant Legacy is a single premium universal life insurance policy issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company. It lets you quickly and easily turn your money into a federal income tax-free legacy. With a single premium payment, you get life insurance protection and you can increase the money you have to leave behind for your loved ones, your alma mater, your favorite charity the choice is yours. NYLIAC Instant Legacy is not a banking product and is not FDIC insured. It is a life insurance contract that is backed by the claims-paying ability of the issuer. In one transaction you can turn your savings into a legacy.

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4 How Instant Legacy works. All you need is a lump sum of money from a CD, money market, or any other liquid savings account to fund a single, upfront premium payment for the life insurance policy. In exchange, you ll receive permanent life insurance protection that also provides a guaranteed death benefit to your children, grandchildren, a favorite charity, whoever you name as beneficiary. The entire process is simple and easy to complete. There are no medical exams or blood tests. After completing a one-page questionnaire, you ll learn right away if you re preapproved for coverage. With NYLIAC Instant Legacy you ll receive these valuable benefits. Fast and easy approval process. After answering a few simple questions, you ll learn in minutes whether you re preapproved for coverage. Ability to leverage savings into a larger legacy. Instant Legacy is an ideal tool for transforming idle money from a bank CD or other liquid savings accounts into a generous inheritance for your beneficiaries. Guaranteed death benefit. 1 Your policy s death benefit is guaranteed to be passed on to your heirs free of probate and legal red tape. Safe access to your money. 2 You ll have immediate access to the policy s cash value through loans and partial withdrawals to help with any unforeseen financial needs. Charge-free surrenders. 2 You may access up to a maximum of 10% of the cash value each year in years two through eight of the contract without incurring a charge. Tax advantages. Like all permanent life insurance policies, your policy accumulates cash value on a generally tax-deferred basis and distributes a federal tax-free death benefit to your beneficiaries. Money-back guarantee. 3 If your circumstances or needs change, your policy offers a provision that refunds your total premium (less any loans and partial surrenders) if you need access to your policy s funds. 1 The guarantees of a life insurance policy are based on the claims-paying ability of the issuer. 2 Loans, partial withdrawals, and partial surrenders will reduce the cash surrender value and death benefit. 3 If your circumstances or needs change, you can request that the cash surrender value be returned to you. The cash surrender value will never be less than the premium you paid into the policy, less any partial surrenders or outstanding loans including loan interest.

5 A closer look Let s see what Instant Legacy can do for you by looking at an example. Helen, a 65-year-old non-smoker who lives a healthy lifestyle, currently has $50,000 that she would like to leave to her heirs. Here s a closer look at what she could leave her heirs if she purchases Instant Legacy versus what they will receive if she chooses to leave them cash. With Instant Legacy Without Instant Legacy $50,000 $50,000 Helen s one-time premium payment Cash $83,000 Helen s guaranteed death benefit from day one $0 $14,000 Potential federal income tax paid by Helen s heirs (28% tax bracket) $83,000 $36,000 Total amount received by Helen s heirs Potential federal income tax paid by Helen s heirs (28% tax bracket) Total amount received by Helen s heirs The initial death benefit may vary and is based on gender, risk class, age, and premium paid. This scenario is for illustrative purposes only. With Instant Legacy, Helen s heirs would receive $47,000 more than if she had just left them cash. And because life insurance doesn t pass through probate, her beneficiaries will receive the death benefit almost immediately. State and inheritance taxes may apply in both cases. Be sure to consult your tax advisor for specific tax information. Neither New York Life Insurance Company nor its Agents provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting advisor before making any decisions.

6 So let s get right to the point Instant Legacy offers: Potentially more money for your heirs Instantly increase the size of your estate. Your entire death benefit is guaranteed from the very first day of coverage. Help minimizing taxes on your legacy In most cases, your beneficiary will not have to pay federal income tax on the death benefit. Your policy s cash value is not taxable unless withdrawn. Continued access to your funds just in case If your needs change, the money-back guarantee assures you will receive a full refund of premiums, minus any loans and partial surrenders you have taken. Use loans and partial withdrawals to access your policy s cash value. Keep in mind that a partial withdrawal could be subject to tax consequences. Quick and easy application No medical exams or blood tests required. You can be preapproved in minutes. One-time payment You re paid-in-full from day one. No need to worry about missed payments. Policy riders provide flexibility and added protection. Your NYLIAC Instant Legacy policy automatically includes two important riders: The Accelerated Death Benefit for Terminal Illness rider allows you to have early access to a portion of the policy death benefit if you are diagnosed with a terminal illness and have a life expectancy of 12 months or less. The rider is included with your policy; however, there s a cost for this rider. The Spouse s Paid-Up Insurance Purchase Option rider allows your spouse to purchase a single-premium paid-up whole life insurance policy equal to the face amount of the original policy at your death, without showing evidence of insurability.

7 The company you choose can make all of difference. When it comes to protecting the ones you love, you want to be sure to do business with a reliable and reputable insurance company. New York Life, the parent company of New York Life Insurance and Annuity Corporation, is one of the nation s oldest and largest mutual life insurance companies. We ve been keeping the promises we make to our policy owners since 1845, and our old-fashioned principles of financial strength, integrity, and humanity still guide everything that we do. For policy owners, that means we will continue to be there when you need us most. We re ready when you are. Creating a legacy is one of the most important things you ll ever do for your loved ones. Instant Legacy makes it simple. Talk to your New York Life Agent about how quick and easy it is to make your money do more.

8 NYLIAC Instant Legacy In Oregon, the NYLIAC Instant Legacy policy form number is ICC New York Life Insurance Company New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation) 51 Madison Avenue New York, NY RB SMRU504779(Exp )

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