Site Help and Disclosures

Explanation of Site Icons

Consult an Agent
Clicking on these icons will take you to a form. When you complete it and click "Send" your information will be confidentially and securely submitted to a New York Life agent in your area. The same agent will contact you to discuss a solution to your needs.

E-Mail This
Clicking on these icons will produce a "pop-up window" with a form. Use it to send someone a link to the page you are reading.

Print This
Use this icon to print New York Life.com pages. Clicking this icon will produce a "pop-up window" containing a "print-friendly" version of the page you are reading.

Save This
This icon represents functionality that works with our "Personal Folder" application. Clicking it will produce a "pop-up window" containing a log-in screen to your Personal Folder. Once you are logged in, you can save this content to your folder. Click here to learn more about Personal Folders.

Reprint Permission
This icon identifies articles that are free to reprint, clicking on them will provide you the guidelines of use.

External Link
Clicking a link accompanied by this icon will open a new browser window and a third party site or page not owned or controlled by New York Life. (See "The Fine Print" below.)

Access Policies
Links accompanied by this icon will lead you to personal account access environments.

Calculator
This icon will help you recognize a link, or set of links to calculators.

Adobe PDF
This icon means that a link will spawn a PDF document. Adobe PDF is the ubiquitous format for sharing print materials on the internet. Chances are, your computer already has the Adobe Reader, which is needed to view PDF documents. If not, you may download the Adobe Reader.

Educational Article
On our product landing pages, this icon is used to highlight featured articles providing basic, yet essential, product information

Open/Expanded View
Accompanies links that initiate "folder-style" functionality. Clicking these links will produce an expanded view of items within the page.

Close/Contract View
Clicking these links will close or contract an expanded view of items within the page.

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Highlighted Text
Highlights key points and important information.

THE FINE PRINT

Our lawyers asked us to tell you:

We Do Not Take Responsibility for Links to Third Party Content
Please note: clicking on external links means you will be leaving this Web site and you assume total responsibility and risk for your use of the site(s) you are visiting. This information is being provided strictly as a courtesy.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission of New York Life. You may request permission by sending a request by e-mail from our Email New York Life page.

While New York Life Insurance Company and its affiliates provide the information on this server to anyone, we retain all intellectual property rights, including copyright, in and to this site.

New York Life Insurance Company reserves all other rights.
"The Company You Keep," "New York Life," "NYLIFE," "MainStay," and New York Life Investment Management, LLC, other New York Life related marks, products and service names are trademarks and/or service marks of New York Life Insurance Company or its subsidiaries. Other manufacturers' products and services profiled herein are trademarks of their respective companies.

The information, text, graphics and links provided herein are provided by New York Life Insurance Company as a convenience to its customers. New York Life Insurance Company does not warrant the accuracy or completeness of the information, text, graphics, links, and other items contained on this server or any other server. New York Life Insurance Company makes no representation about the suitability of this documentation for any purpose. It is provided as is without express or implied warranty.

The mutual funds and variable insurance products referred to in the New York Life Insurance Company site may be offered or sold only to persons in the United States. New York Life is licensed to sell life and health insurance in all 50 states.

Securities products are offered by NYLIFE Securities LLC., Member FINRA. Please call 1-800-624-6782 for a free mutual fund prospectus, which contains more complete information on applicable fees, charges and expenses, and share classes for each mutual fund. Please call 1-800-598-2019 for a free variable life insurance and variable annuity product prospectus. Please read it carefully before investing. Distributed by NYLIFE Distributors LLC, Member FINRA.

Patent Notice
New York Life Insurance Company is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,128,984; 5,561,707; 5,561,707; 5,684,863; 5,815,551; 5,828,734; 5,917,893; 5,898,762; 5,974,120; and others.

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