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Defined Contribution Retirement Income Everyone deserves a dignified, financially secure retirement.
We turn accumulated workplace savings into a reliable stream of income, designed to help manage market uncertainty and longevity risk through institutional guaranteed solutions.
Why now?
The retirement income challenge is here.
Between 2024 and 2030, roughly 30 million Baby Boomers will turn 651.
As retirement shifts from defined benefit pensions to defined contribution (DC) plans, the “retirement income gap” has become a central challenge. Building savings is only half the equation. Participants need a practical path to turn savings into sustainable income that lasts a lifetime.
Key Benefits – Designed for today’s reality
Income you can count on
A lifetime income objective designed to support predictable retirement income.
Built to integrate
We design solutions that align with common DC structures and governance, with integration into existing plan operations and workflows.
Flexibility without compromise
Our approach supports participant choice, liquidity, and portability while preserving the guaranteed income promise.
Why New York Life
For plan sponsors evaluating solutions, we bring a differentiated combination of strengths that is difficult to replicate. Plans know that lifetime income solutions involve multi decade relationships, and New York Life has been a ‘permanent’ player in the industry through 180+ years of market cycles.
Built for people, not shareholders
As a mutual company, we are focused on long-term obligations to policyholders and contract holders.
Proven experience paying income for life
Decades of experience delivering lifetime income across individual and institutional retirement solutions, backed by retail annuity leadership as the #1 SPIA and #1 DIA provider in 20252.
Financial strength through market cycles
Highest financial strength ratings currently awarded by the major rating agencies: A.M. Best (A++), Fitch (AAA), Moody’s (Aa1), S&P (AA+)3.
Connect with our team
Andrew Cohen,
Managing Director Institutional Annuities
Daniel Klatzkin,
Institutional Retirement Income Solutions Leader
1Alliance for Lifetime Income / Retirement Income Institute, “Peak Boomers” (30.4 million born 1959–1964 turning 65 between 2024–2030).
2LIMRA full-year 2025 annuity premiums and/or sales (as of 12/31/25).
3Individual independent rating agency commentary as of 09/30/2025
Guarantees are backed by the claims-paying ability of the issuing insurance company.
Investment options, including target date funds and managed accounts, are subject to market risk, including possible loss of principal. Guarantees apply only to the insurance components of a product and not to underlying investment options.
This material is provided for informational purposes only and is not intended as legal, tax, or investment advice. Plan sponsors and advisors should consult their own professional advisors regarding their specific circumstances.
For institutional use only. Not for use with the general public.
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