Pension Annuitant Center

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Institutional Retirement & Risk Solutions Built on 180+ years of financial strength

With a legacy of stability and top-tier financial ratings, our institutional retirement and income solutions are grounded in investment strategy, robust surplus reserves and enduring presence across market cycles. We do not predict, we prepare.

Focusing on the long-term

We provide institutional partners established fixed-income and risk-transfer solutions—designed to support portfolio stability, help manage institutions liability, and seek consistent results.

Medium Term Notes

Medium Term Notes seek to provide fixed-income returns, all backed by funding agreements issued by New York Life.

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Pension Risk Transfer

Pension Risk Transfer solutions can help transfer liability while securing guaranteed benefits for plan participants.

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Stable Value Investments

Our stable value funds offer a disciplined investment process that seeks to preserve capital without sacrificing performance.

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What sets us apart?

Our institutional retirement and income solutions are backed by the financial strength¹of our surplus² reserves and seek to deliver reliable, cycle-tested outcomes through changing market environments.

180+ years of financial strength

As the largest mutual life insurance company in the U.S. with $30 billion in surplus, we’ve earned the highest ratings for financial strength by all major agencies.

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Long-term value through mutuality

Our mutual structure allows us to make strategic decisions without short-term market pressure. We balance risk and growth with discipline, leading to lasting value.

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Trusted leadership, proven results

Our leadership is defined by how we serve our partners. We take the time to understand what matters most, then apply our experience, strength, and resources to help your clients pursue their long-term goals

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Partnership you can rely on

As a mutual company, we focus on the success of those we serve and every decision is guided by a long-term perspective.

Awards and recognition

Our consistency and leadership continue to earn national recognition, giving you and your clients confidence in every recommendation.

Ranked among the top 100 U.S. companies

New York Life is No. 69 on the 2025 Fortune 500 list, which ranks the largest American companies by revenue. We remain the largest mutual life insurance company in the country.³

Named one of Fortune's most admired companies

In 2025, Fortune once again recognized New York Life for its reputation, leadership, and commitment to long-term performance.

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¹Individual independent rating agency commentary as of 09/30/2025: A.M. Best (A++), Fitch (AAA), Moody's Investors Service (Aa1), Standard & Poor's (AA+).

²As of 12/31/2024. Total surplus, which includes the AVR, is one of the key indicators of the company's long-term financial strength and stability and is presented on a consolidated basis of the company. Please see New York Life's 2024 Report to Policy Owners for additional information.

³Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/2/2025. For methodology, please see https://fortune.com/company/new-york-life-insurance/

For Institutional Use Only.

All guarantees are based on the claims-paying ability of New York Life Insurance Company. Products involve risks, including possible loss of principal. Past experience does not guarantee future results. Ratings apply to the insurer s financial strength, not to investment performance