Other Products
NYLIFE Securities
MainStay Mutual Funds
Retirement Plan Services
Quick Links
We are offering policy owners two different programs to make repayment easier.
If you're a New York Life financial professional, click here to learn more.
12-Month Repayment Program
Some policy owners are automatically eligible for a 12-month, interest-free repayment plan to pay any amounts that were required to keep coverage active, but were not paid, during the temporary pause.*
Financial Hardship Program
If you have experienced financial hardship as a result of COVID-19, you may be eligible for New York Life's Financial Hardship Program. It provides an extended pause on cancellation of coverage up to an additional 90 days or a 90 day grace period.
After this period, you will be eligible for an interest-free repayment plan of at least 12 months.*
* For policies with more than one owner, any owner(s) that did not provide their approval at the time of election have the right to rescind enrollment.
If you have already registered for an online account, simply log in now and click the link at the top of your policy’s information page to determine your eligibility and apply. If you don’t have an online account, you can register now to begin the process.
Step 1
Log in to your online account. If you don’t have an account, you can register now quickly and easily. All we’ll need is your name, date of birth, the last four digits of your Social Security number, and your New York Life policy number.
Step 2
Once you’ve logged in to your online account, click “Learn More” on the blue banner above your policy summary or within your policy page.
Step 3
Review the programs available to you and apply for your preferred option. If you have multiple policies, please be sure to apply for a program for each one.
Step 4
After completing your application, you will receive an email confirming that New York Life has received your request. You’ll also receive additional information in the mail about the status of your application within 90 days.
Having trouble registering for an online account?
We can help you successfully register for an online account so you can apply for these programs.
What if I don’t know my policy number?
Your policy number is listed on your most recent New York Life statement. If you don’t have access to a physical document your agent can help you locate your policy number.
Why is my password being rejected?
Your password must include at least eight characters, contain both uppercase and lowercase letters, contain at least one number, and not contain any spaces.
Still having trouble?
Call 1 (800) 326-9986 to speak with someone who can hear your concerns and answer your questions.
These FAQs are designed to give an overview of the Policy Owner Accommodations Program developed during this time of uncertainty due to the outbreak of the coronavirus (COVID-19). As you may be aware, several states have their own mandates regarding the treatment of life insurance policies. Please refer to the State Variations section of the FAQs to learn more about any state variations and visit www.newyorklife.com/newsroom/covid-19-faqs to get the latest updates.
Click here to see full terms and conditions
1For Business Solutions products, Employee’s Whole Life policies are treated as Whole Life, and Employee’s Adjustable Life policies are treated as Universal Life. Additional information on worksite-sold products, including Group Employee Benefits is provided on the Business Solutions Covid-19 Resource page Agency Portal.
2Asset Flex/Preserver policies with loans will generally follow Universal Life/Variable Universal Life process, Asset Flex policies on a scheduled planned premium will generally follow the same process as Whole Life policies. For Standalone Long-Term Care insurance policies, please contact the Long-Term Care Call Center at 1-800-224-4582.