Our Financial Strength Ratings:
New York Life Insurance Company and its subsidiary, New York Life Insurance and Annuity Corporation, have 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	Date of Rating Affirmation	Recent Reports
Moody’s Investors Service	Aaa	March 17, 2009	Analysis: (9/2008) (285 KB)
Standard & Poor’s	AAA	June 17, 2009	Full Analysis: (8/28/2008) (103KB)
Fitch Ratings	AAA	April 16, 2009	Rating: (9/4/2008) (173 KB)
AM Best	A++	June 11, 2009

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, a division of The McGraw-Hill Companies, Inc., provides independent financial information, analytical services, and credit ratings to the world’s financial markets. For more information on Standard & Poor’s, visit http://www.standardandpoors.com.
• 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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