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New York Life Variable Annuity Prospectus

This product is no longer available for sale. Existing policyowners may continue to make premium payments, subject to contract provisions. All policies will continue to be serviced.

Download the Product Prospectus

Click here to download the May 1, 2013 product prospectus and underlying fund prospectuses for the New York Life 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.

The fund prospectuses contain 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 Variable Annuity may offer you as you plan for your long-term financial goals.

To learn more about the policy, you may also download the Statement of Additional Information (“SAI”) dated May 1, 2013. The SAI contains more detail concerning the subjects discussed in the prospectus.

New allocations to the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Division on February 17, 2012. For existing policyowners, if your remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth - Initial Class or MainStay VP Janus Balanced - Initial Class Investment Divisions on or after February 17, 2012, you will not be able to reinvest in these Investment Divisions. The MainStay VP Eagle Small Cap Growth - Service Class and MainStay VP Janus Balanced - Service Class impose a 12b-1 fee.

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*
169 Lackawanna Avenue
Parsippany, NJ 07054
*wholly owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York 10010.
In most jurisdictions, the policy form number for the New York Life Flexible Premium Variable Annuity is 000-190.


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