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Keep getting a "paycheck"—even after you stop working.

Designed to help prepare you for retirement, fixed annuities are an effective way to grow and protect your retirement assets. They can also transform your savings into a steady stream of income whenever you’re ready.

Income Annuity**  

This type of annuity provides guaranteed income payments for life. You’re in control, and can determine how much income you want and how long you’ll receive it. All so you can have what you need, when you need it.

Fixed Annuity** 

With this type of annuity, your money will grow at a guaranteed interest rate—no matter how much the market fluctuates—for a set period of time. Then when you’re ready to access these funds, you can reliably receive the “paychecks” you planned on. 

Variable Annuity**†

With variable annuities, your account’s performance depends on how your investment choices fare in the market. This kind of annuity may offer more growth potential than a fixed annuity, and may be a good option in the lead-up up to retirement when the risk-reward balance makes sense. When you’re ready to receive payments, you’ll simply convert your account value to income. 

Want to know more about annuities? Ask a New York Life Registered Representative near you about investment options that suit your needs. 

Need more details? Learn more about fixed, variable and guaranteed income annuities.

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When it comes to investing, it’s helpful to start by assessing your tolerance for risk.

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Actually, life does have guarantees. They’re called income annuities.

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Mutual Income Annuities come in two forms: a single premium lifetime annuity for income now, and a future annuity for income later. Both offer guaranteed income for life. Which is right for you?

Whole life policies build cash value that you can access during your retirement.*

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Income, meet retirement.

How do you maximize your income for an indefinite period of time? There are several approaches you can take. Let’s start by anticipating your one-of-a-kind retirement needs.

Start Saving Now

When you do the math, it’ll become clear that there really is a price to pay when you delay saving for retirement.

Invest in Equities for the Long Term

If you’re young, with a long-term perspective and some tolerance for risk, investing in the stock market can be rewarding.

Pay Off Student Loans

You don’t have to let student loans hinder your ability to save for retirement and meet your long-term goals.

Close the Income Gap

Today, retirement has less to do with age and more to do with benefits. Here’s how to close the income gap when the time comes.

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* Accessing the cash value of a life insurance policy will reduce cash value and death benefit. Loans accrue interest charges.

** Annuity products are issued by New York Life Insurance and Annuity Corporation and New York Life Insurance Company, both located at 51 Madison Avenue, New York, NY 10010. All guarantees are dependent on the claims-paying ability of the issuer and do not apply to the investment divisions of a variable annuity, which is subject to market risk. Available in jurisdictions where approved.

† Securities products and services are offered through NYLIFE Securities LLC, a Licensed Agency. Member FINRA/SIPC.