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New York Life Flexible Premium Variable Annuity III/ New York Life Flexible Premium Variable Annuity II

New York Life Flexible Premium Variable Annuity III
(For use in all states except CA, CT, DC, DE, FL, ND, NY and SD)

General information regarding our variable annuities may be found in our New York Life Variable Annuities Brochure and our New York Life Variable Annuities Product Comparison Card. (For use in all states except CA, CT, DC, DE, FL, ND, NY and SD)

New York Life Flexible Premium Variable Annuity II
(For use in CA, CT, DC, DE, FL, ND, NY and SD only)

For policies with an M&E Charge based on the Accumulation Value
(For use in CA, CT, DC, DE, FL, ND, NY and SD only)

For policies with an M&E Charge based on Premium(s)
(For use in CA, CT, DC, DE, FL, ND, NY and SD only)

General information regarding our variable annuities may be found in our New York Life Variable Annuities Brochure and our New York Life Variable Annuities Product Comparison Card. (For use in CA, CT, DC, DE, FL, ND, NY and SD only)