NEW YORK LIFE INSURANCE COMPANY
NEW YORK, NY

New York Life Insurance Company is a mutual insurance company, which means it is not publicly traded and has no shareholders. Instead, its policy owners are the ones who share in ownership rights of the company. With a mutual company, clients who purchase participating products are entitled to vote in the board of directors elections are eligible to share in annual dividends that are declared. The company's priority is to safeguard their interests. Policies issued by our subsidiary companies are not participating and do not share in these rights. New York Life Insurance Company, EOE/M/F/D/V/SO Standing beside every one of our agents is a team of talented individuals designing insurance products, analyzing financial risk, managing our investments, and running the day-to-day operations of the company. And as a result, they have enabled us to remain the one of the most financially stable insurance company in the nation—with industry-leading credit ratings year after year.* For over 170 years, New York Life and its subsidiaries have helped ensure the financial well-being of families and communities with a variety of insurance, retirement, and investment products. And we maintain the highest ratings currently awarded to any life insurer for financial strength.* But more importantly, each of our insurance policies represents our promise to pay. And we always have, and always will, stand behind every promise. We built our business to endure. Since 1845, we’ve kept the promises we made to protect our policy owners and their beneficiaries. We’ve been able to stand by them, because each promise is backed by stability and proven financial strength. Who we are. How we strive. New York Life is a company that works as a team. Our employees support one another and work toward common goals—and while we strive for excellence always, we know it’s how we achieve excellence that truly counts. Thoughtful, responsible, collaborative—we are proud of the reputation we hold in our industry and proud to be stewards of a company that puts clients first. After all, we’re clients, too.  Great opportunities for growth, personally and professionally. Great system to review performance on a yearly basis. It allows you to keep tabs on how you are doing on a professional level, gives you lots of opportunities to grow throughout the year, and makes it easy to be recognized for contributions you have made. “NYL is a large company that allows you to transition into a variety of positions where you can learn and grow.” Best reasons to work here are company stability, training opportunities, comprehensive benefit package including a defined benefits pension plan, and professional growth. The culture is like a tight-knit family where relationships are cultivated over lunch or after work get-togethers. The information you share with us is private. And we are committed to keeping it that way. We invite you to explore the directory below to view all of New York Life’s policy statements. New York Life is a mutual company, which means we operate for the benefit of our policy owners. Mutuality means we are collectively and entirely owned by our clients,* not outside investors. And since we don’t have to continually appease the bulls and bears of Wall Street, our exclusive focus—every decision we make—is in the best interests of our policy owners.  In the 1990s, U.S. insurance companies began trending toward demutualization. Many went from being mutually owned to shareholder controlled. New York Life stood firm in the belief that our clients must come first, so we bucked the trend to stay true to our values. With more than 170 years of financial stability behind us, we believe we made the right choice. We're here to help. New York Life Insurance Company is a mutual insurance company, which means it is not publicly traded and has no shareholders. References to ownership refer to NYLIC's policyowners who purchase its participating products. These policyowners share certain membership rights, such as voting in board of directors elections and being eligible to share in annual dividends that are declared by the board. NYLIC is also the parent company of two other wholly owned life insurance subsidiaries. Policies issued by these subsidiaries are not participating and do not share in these rights. YOUR USE OF, AND RELIANCE ON, ANY ADVICE OR INFORMATION OBTAINED FROM OR THROUGH THE SERVICES IS AT YOUR OWN RISK. ALL CONTENT, INCLUDING SOFTWARE, PRODUCTS AND SERVICES, CONTAINED WITHIN OR AVAILABLE THROUGH THE SERVICES ARE PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS. NEW YORK LIFE AFFILIATES, DISTRIBUTORS, SUPPLIERS, LICENSORS, AGENTS OR OTHERS INVOLVED IN CREATING, SPONSORING, PROMOTING, OR OTHERWISE MAKING AVAILABLE THE SERVICES, INCLUDING THE SITE AND ITS CONTENTS (THE “NEW YORK LIFE PARTIES”) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES OR THE INFORMATION, CONTENT OR MATERIALS PROVIDED IN CONNECTION WITH THE SERVICES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE NEW YORK LIFE PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, INFORMATIONAL CONTENT, TITLE, OR NON-INFRINGEMENT OF THE RIGHTS OF THIRD PARTIES. NEW YORK LIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS THAT THE SERVICES WILL OPERATE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES AND/OR ITS SERVER WILL BE FREE OF VIRUSES AND/OR OTHER HARMFUL COMPONENTS. THE NEW YORK LIFE PARTIES DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING SUITABILITY, AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT OR MATERIAL OF ANY KIND CONTAINED WITHIN THE SERVICES FOR ANY PURPOSE. NEW YORK LIFE IS NOT RESPONSIBLE FOR ANY FAILURE TO ACCESS OR USE THE SERVICES OR FOR FAILURES CAUSED BY SERVER ERRORS, MISDIRECTED OR REDIRECTED TRANSMISSIONS, FAILED INTERNET CONNECTIONS, LOST, INTERRUPTED, OR UNAVAILABLE CONNECTIONS OF ANY KIND, MISCOMMUNICATIONS OR FAILED TRANSMISSIONS OF DATA, OR ANY COMPUTER VIRUS OR OTHER TECHNICAL DEFECT OR ERROR RELATING TO THE SERVICES.