New York Life Flexible Premium Variable Annuity Prospectus

Download the Product Prospectus
Click here (PDF, 298KB) to download the May 1, 2009 product prospectus for the New York Life Flexible Premium Variable Annuity. The product prospectus explains the features that are offered and provides answers to some of the more frequently asked questions — everything from fees and charges and available riders, to features such as Automatic Asset Reallocation and Dollar Cost Averaging are detailed inside. To learn more about the policy, you may download the Statement of Additional Information ("SAI") dated May 1, 2009. The SAI contains more detail concerning the subjects discussed in the prospectus.

Download the Fund Prospectuses
You also need to download the underlying fund prospectus for the investment divisions available with the New York Life variable annuities. New allocations to the Alger American SmallCap Growth Investment Division will be not be accepted from Policyowners who were not invested in the Investment Division as of June 1, 2007.

 The fund prospectus contains information on each of the investment divisions available under our products. Details on each Portfolio's investment objective, style and associated risk will be found inside. The Investment Divisions offered through the New York Life variable annuities and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ.

Together these prospectuses provide you with a complete picture of what the New York Life Flexible Premium Variable Annuity may offer you as you plan for your long-term financial goals.

You may also request the prospectuses by mail or by calling 1-800-598-2019.

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Issued by: New York Life Insurance and Annuity Corporation*
(A Delaware Corporation)
51 Madison Avenue
New York, NY 10010

Distributed by: NYLIFE Distributors LLC*
Member FINRA/SIPC
169 Lackawanna Avenue
Parsippany, NJ 07054

^*wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York 10010.

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