Frequently Asked Questions About Service

Visit the Virtual Service Center to view and service your policy or account.

Try our Unclaimed Funds Finder or contact a Customer Service Representative by calling (800)695-4331.

For quick and convenient service, visit the Virtual Service Center to change your beneficiary online or if you prefer to mail your request, click on the Service Form Library to select the appropriate beneficiary form(s) for your policy.

To change the name on a policy, the policyowner must send a signed form or a written request, along with a copy of a marriage certificate or other supporting documentation to New York Life.

Please visit the Service Form Library to download a Name Change Request form.

For quick and convenient service, visit the Virtual Service Center to process the address change online or contact a Customer Service Representative by calling (800)695-4331.

To set up an automatic monthly premium payment, the policyowner must complete a Check-O-Matic (C-O-M) form and mail it to New York Life for processing. Please visit the Service Form Library to download a Check-O-Matic (C-O-M) Request form.

To change the banking information for the premium payments on a policy, the policyowner must complete a Check-O-Matic (C-O-M) form and mail it to New York Life for processing. Please visit the Service Form Library to download a Check-O-Matic (C-O-M) form.

For quick and convenient service, please visit the Virtual Service Center to request a loan for your whole life policy online or download a Loan Request form through the Service Form Library.

In certain instances, a loan form or written request signed by the policyowner(s) will be required. Please remember a policy loan accrues interest and will reduce the death benefit.

Please contact your New York Life Agent or a Customer Service Representative by calling (800) 695-4331 to discuss the options available for keeping your policy coverage.

To withdrawal funds from your annuity, contact a Customer Service Representative by calling (800) 695-4331 or if you prefer to mail your request, click on the Service Form Library to select the appropriate partial withdrawal form for your policy.

For quick and convenient service, visit the Virtual Service Center or the Fund Values page to see the Accumulated Unit Values for the funds in your policy. You may also contact a Customer Service Representative by calling (800) 598-2019.

If you are invested in MainStay Funds, you automatically have online account access. To get started, all you have to do is create a Personal Identification Number (PIN).

Click on Create a PIN (accessible from the Account Login page and enter the following information:

• Social Security Number or Tax Identification Number
• Account Number from your statement (for most accounts, this is an eight-digit number that appears after the first hyphen)
• A unique PIN (four to eight characters)
• Verify your PIN by re-entering it

Your account number can be found on both your quarterly and transaction confirmation statements. Information can be found NYLIM.

Your PIN will never automatically change. Your PIN will only change if you decide to change it.

• Social Security Number or Tax Identification Number
• Account Number from your statement (for most accounts, this is an eight-digit number that appears after the first hyphen)
• Your current PIN
• Your new PIN (four to eight characters)
• Verify your PIN by re-entering it

If you forget your PIN, call our toll-free number at 1-800-MAINSTAY (1-800-624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time. A shareholder services representative will reset your PIN. Once the PIN is reset, you will need to create a new PIN.

From the Manage Account page, click on View Cost Basis under Account Options or call 1-800-MAINSTAY (1-800-624-6782). Note that cost basis is only available for most non-retirement accounts. It is not available for accounts established prior to 1987 and certain other accounts.

With My Accounts, you can:

• View information on all of the MainStay accounts in your portfolio-shares owned, daily NAVs, net reinvestment share amounts, cash distribution amounts-as well as the total value of your portfolio.
• Manage your account through a number of options¹, such as:

View account history
Make an exchange
Purchase additional shares
View cost basis
Order statement
Order tax form
Request additional money market checks

There could be a number of reasons. Account options, such as purchasing additional shares, requires you to provide bank information in advance. Also, some Funds inherently have certain features. Only MainStay Money Market Fund has a check-writing capability and, therefore, is the only Fund for which you can request additional checks. Finally, certain options are available on a seasonal basis. Tax forms are generally available from January 30 through November 30 of each year. If you would like to add available options to your account, please call us toll-free at 1-800-MAINSTAY (1-800-624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time.

Share prices (NAVs) and account balances are updated daily. Cost basis information is updated weekly.

You can check the total value of your account on the My Portfolio page.

You can check the total value of your portfolio on the upper right hand corner of the My Portfolio page.

To view your transactions, go to the View Account History page. Transactions will generally appear on this page the day after the trade date.

For security purposes, MainStay requires either a written request by all shareholders on the account or that one shareholder calls to make the request on our toll-free number, 1-800-MAINSTAY (1-800-624-6782).

This feature is only available with money market funds. Therefore, you can order checks for MainStay Money Market Fund.