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Variable Universal Life: A policy that emphasizes flexibility

The New York Life Variable Universal Life(VUL) insurance is a type of permanent life insurance that provides a death benefit in exchange for premium payments. It is designed for those who want life insurance protection but are also investment-minded and desire the potential for greater cash value accumulation than generally available in a fixed insurance product. Through the investment options you select, a VUL policy has the potential for tax-deferred cash value accumulation, however, any assets allocated to the underlying funds are subject to the market risk and will fluctuate in value. Any decrease in the policy's cash value could reduce the policy's death benefit.

For more specific information on one of our Variable Universal Life products, select the link below to view the product and fund prospectuses, fact sheets, brochures and performance summaries:

New York Life VUL Accumulation Series

New York Life Legacy Creator Single Premium Variable Universal Life

New York Life Lifetime Wealth Variable Universal Life (LWVUL)

VUL policies are sold by prospectus only. Investors are asked to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. You should read the prospectuses carefully before investing.

*Securities offered through properly licensed registered representatives of NYLIFE Securities LLC (member FINRA/SIPC), A Licensed Insurance Agency.

New York Life Variable Universal Life policies are issued by:
New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation)
51 Madison Avenue
New York, NY 10010

Variable Universal Life policies are distributed by:
NYLIFE Distributors LLC (member FINRA/SIPC)
169 Lackawanna Avenue
Parsippany, NJ 07054

NYLIFE Securities LLC, NYLIAC and NYLIFE Distributors LLC are wholly owned subsidiaries of New York Life Insurance Company.

In Oregon, policy form numbers are as follows: New York Life Variable Universal Life Accumulator: 308-30.27.
New York Life Survivorship Variable Universal Life Accumulator: 308-150.27.
New York Life Lifetime Wealth Variable Universal Life (LWVUL) policy form number is 310.90.27.
New York Life Legacy Creator Single Premium Variable Universal Life (SPVUL): policy form number is 308-95.27.

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