*Accessing cash value will reduce the available cash surrender value and death benefit of the policy.
1 Guarantees are backed by the claims-paying ability of the issuer.
2 Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 59½ may also be subject to a 10% federal tax penalty.
3 Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.