Our Financial Strength Ratings:
New York Life Insurance Company and its subsidiary, New York Life Insurance and Annuity Corporation, has the highest ratings for financial strength from the life insurance industry's principal rating agencies. Current ratings for the two companies are as follows:

Rating Agency	Financial Strength Ratings	Rating Outlook	Recent Reports
Moody’s Investors Service	Aaa	Stable	Analysis: (12/2007) (285 KB)
Standard & Poor’s	AAA	Stable	Full Analysis: (10/3/2007) (171 KB) Research Update: (8/16/2007) (60 KB)
Fitch Ratings	AAA	Stable	Rating: (8/7/2006) (173 KB)
AM Best	A++	Stable	Press Release  (3/11/2008)

Notes:

• Moody's (Financial Strength): Moody's Insurance Financial Strength Ratings are opinions of the ability of insurance companies to repay punctually senior policyholder claims and obligations.
• Standard & Poor's (Insurer Financial Strength): A Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms.
• Fitch Ratings (Insurer Financial Strength): Fitch Ratings’ Insurer Financial Strength rating provides an assessment of the financial strength of an insurance organization and its capacity to meet senior obligations to policyholders and contract holders on a timely basis.
• A.M. Best (Financial Strength): A Best's Financial Strength Rating is an opinion of an insurer's ability to meet its obligations to policyholders.

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