Life doesn’t stay the same. That’s why our policies are adjustable.

I am 

 and I care about 

You have options.

Many policies with New York Life can be adjusted, supplemented, or even converted into other kinds of policies. Explore the following possibilities, and then contact your agent regarding your specific options, or log in to your My New York Life account.

Layer one policy on top of another:

It’s smart to re-examine your insurance needs whenever you experience a major financial milestone, to see if it warrants enhancing your coverage. When you buy a new house, for example, you may want an additional term life policy that can cover the mortgage payments if need be. 

Change the premiums you pay:

Some of our policies enable you to modify the agreement, depending on your situation and the terms of your policy. If your income rises and you can afford a higher premium, you may be able to shorten your payment window. Or, if money is suddenly tight, you may be able to forgo some premiums altogether, and in fact take money out of the cash value to meet immediate expenses. Whatever happens, we’re with you all the way.

Convert an investment annuity into an income annuity:

There may come a time when it makes sense to exchange the potential for growth—in favor of a consistent, reliable cash flow. Our Guaranteed Lifetime Income Annuities are designed to meet your immediate or future retirement needs, with steady income, for the rest of your life. Whenever you’re ready, just talk with your agent. The goal is getting what you need, when you need it.


How to get the most out of your agent meeting.

Explore these planning tools to make the conversation as productive as possible.

Know What to Ask

Before setting up an annual review with your agent, make sure you have these important questions in your back pocket.

Do a Self-Assessment

Our annual review checklist helps capture information in one place, so you can more easily cover every base when you're with your agent.

Get Upgrade-Savvy

Use this comparison chart to learn the different forms of life insurance, so you can consider if and when it’s time to convert.

Download Service Forms

Did you know you can request certain changes or transactions on your own? Use these DIY forms to streamline your time with your agent.


Log in to learn more.

When you log in to My New York Life, you’ll get more custom-tailored information regarding your existing account.

Account Login

Already have a My New York Life account? Here’s the starting line.

Login FAQs

Find easy answers to frequently asked questions.

W. Va. policy owner affected by flooding? You may qualify for an extended grace period.

Hero Banner
Agent Profile Agent Profile Agent Profile

Talk it through with an expert.

We're here to help.

Cash value is assessed through loans and withdrawals, which reduce death benefit. Loans are subject to interest charges.