NEW YORK LIFE Looking for a little more certainty with your money? The New York Life Secure Term MVA Fixed Annuity offers guaranteed growth- safe from the ups and downs of the market.¹ 3.80% Guaranteed for 3 years Annual guaranteed initial interest rate effective 10/03/22. Based on a $100,000 premium. Call today for more information. (661) 325-8113 1. The New York Life Secure Term MVA Fixed Annuity is a single premium fixed deferred annuity with a number of interest rate guarantee/surrender periods to choose from. Available in jurisdictions where approved and subject to eligibility requirements. Guarantees based on the claims-paying ability of the issuer. 2. Depending on the period chosen, withdrawals during the first 3, 4, 5, 6, 7, 8 years of the policy may be subject to surrender charges and a Market Value Adjustment (MVA). Rates are subject to change at any time. The interest rate is an effective annual yield based on a nominal rate that is compounded daily. Yields assume no additions or withdrawals made during the guarantee period. After the initial guaranteed interest rate period, the policy will receive a renewal rate that is guaranteed for one year. The crediting rate will not be less than the guaranteed minimum interest rate (GMIR) stated in your policy. Please call your representative for current interest rates on premium amounts of $1.5 million or more. Policies with premium amounts of $1 million or more require prior NYLIAC approval. Access to your account value² Money grows tax deferred until you need it Interest rate guaranteed for all 3 years Backed by a company with the highest ratings for financial strength currently awarded to any U.S. life insurer³ John Border Agent, New York Life Insurance Company CA Ins Lic #0742722 331 Truxtun Ave Bakersfield, CA 93301 3. The "highest ratings currently awarded" refers to the highest ratings currently awarded to any U.S. life insurer, specifically: Standard & Poor's (AA+); A.M. Best (A++); Moody's (Aaa); and Fitch (AAA). Source: Individual Third-Party Ratings Reports as of 09/30/21. The policy form number for the New York Life Secure Term MVA Fixed Annuity is ICC10-P111 in most jurisdictions; in some states, it may be 210-P111, and state variations may apply. The New York Life Secure Term MVA Fixed Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. SMRU1927097 (Exp.01.31.2024) 679.0122 NEW YORK LIFE Looking for a little more certainty with your money ? The New York Life Secure Term MVA Fixed Annuity offers guaranteed growth safe from the ups and downs of the market.¹ 3.80 % Guaranteed for 3 years Annual guaranteed initial interest rate effective 10/03/22 . Based on a $ 100,000 premium . Call today for more information . ( 661 ) 325-8113 1. The New York Life Secure Term MVA Fixed Annuity is a single premium fixed deferred annuity with a number of interest rate guarantee / surrender periods to choose from . Available in jurisdictions where approved and subject to eligibility requirements . Guarantees based on the claims - paying ability of the issuer . 2. Depending on the period chosen , withdrawals during the first 3 , 4 , 5 , 6 , 7 , 8 years of the policy may be subject to surrender charges and a Market Value Adjustment ( MVA ) . Rates are subject to change at any time . The interest rate is an effective annual yield based on a nominal rate that is compounded daily . Yields assume no additions or withdrawals made during the guarantee period . After the initial guaranteed interest rate period , the policy will receive a renewal rate that is guaranteed for one year . The crediting rate will not be less than the guaranteed minimum interest rate ( GMIR ) stated in your policy . Please call your representative for current interest rates on premium amounts of $ 1.5 million or more . Policies with premium amounts of $ 1 million or more require prior NYLIAC approval . Access to your account value² Money grows tax deferred until you need it Interest rate guaranteed for all 3 years Backed by a company with the highest ratings for financial strength currently awarded to any U.S. life insurer³ John Border Agent , New York Life Insurance Company CA Ins Lic # 0742722 331 Truxtun Ave Bakersfield , CA 93301 3. The " highest ratings currently awarded " refers to the highest ratings currently awarded to any U.S. life insurer , specifically : Standard & Poor's ( AA + ) ; A.M. Best ( A ++ ) ; Moody's ( Aaa ) ; and Fitch ( AAA ) . Source : Individual Third - Party Ratings Reports as of 09/30/21 . The policy form number for the New York Life Secure Term MVA Fixed Annuity is ICC10 - P111 in most jurisdictions ; in some states , it may be 210 - P111 , and state variations may apply . The New York Life Secure Term MVA Fixed Annuity is issued by New York Life Insurance and Annuity Corporation ( A Delaware Corporation ) , a wholly owned subsidiary of New York Life Insurance Company , 51 Madison Avenue , New York , NY 10010 . SMRU1927097 ( Exp.01.31.2024 ) 679.0122