*Accessing cash value will reduce the available cash surrender value and death benefit of the policy.
1Guarantees are backed by the claims paying ability of the issuer.
2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before 59 ½ may also be subject to a 10% federal tax penalty.
3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.