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Give your loved ones the life insurance protection they need

Our accumulation-focused life products are designed to help you get the life insurance protection you need and, at the same time, give you a new and potentially valuable source of tax-advantaged growth. By offering enhanced cash value in the early years of coverage, these products can be a flexible, tax-efficient way to build wealth and to help prepare for future milestones like retirement.

Protect what matters most, while enjoying a tax-efficient way to help build wealth

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Why New York Life?

There when you need us most.

Financial strength

Over 180 years strong; over $34.7B in surplus.*

Mutuality

Needs aligned with yours; we operate for the benefit of our policy owners, not for stockholders.

Human guidance

12,000 professionals across the country to help you get what you need.

Lifelong protection options

Broadest set of solutions for financial preparedness.

^*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. NYLIC’s statutory surplus was $27.6 billion and $26.4 billion at December 31, 2025 and 2024, respectively. Included in NYLIC’s statutory surplus is NYLIAC’s statutory surplus totaling $8.6 billion and $8.4 billion at December 31, 2025 and 2024, respectively, and LINA's statutory surplus of $2.3 billion and $2.2 billion at December 31, 2025 and 2024, respectively. AVR for NYLIC was $4.7 billion and $4.6 billion at December 31, 2025 and 2024, respectively. AVR for NYLIAC was $2.3 billion and $2.1 billion at December 31, 2025 and 2024, respectively. AVR for LINA was $0.2 billion and $0.2 billion at December 31, 2025 and 2024, respectively.