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TAX DIVERSIFICATION Keep more of your retirement income, so you can enjoy more of your retirement.

See how tax diversification can preserve more of your savings for income in retirement.

How we do it
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Keep more of what you've built

Tax diversification could allow you to keep more of your retirement income.

Cash-value life insurance: Protection, growth, and tax-free income

Lasting protection

A permanent life insurance policy provides a death benefit to your loved ones, assuming premium payments have been made in a timely manner. And as your life insurance needs change, the policy continues to offer value by supporting your financial needs in retirement.

Growth opportunities to meet your needs

There are different policies which have an opportunity to accumulate cash value in distinct ways: A Whole Life policy can provide steady, guaranteed growth1, while a Variable Life policy can allow you to pursue market returns2.

Tax-free policy loans

As your policy matures in the future, you can typically take tax-free loans3 from your policy's cash value-diversifying the tax treatment of your retirement income and potentially lowering your overall tax burden in retirement.

1Guarantees are based on the claims-paying ability of the issuer.
2Variable life policies are subject to market risk including possible loss of principal.
3Certain tax advantages are no longer applicable to a life insurance policy if too much money is put into the policy during its first seven years, or during the seven-year period after a "material change" to the policy.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing variable life insurance. The prospectus contains this and other information and can be obtained from a registered representative. Read the prospectuses carefully before you invest or send money.

A diversified retirement plan, backed by a rock-solid company

We can help you build a retirement plan that meets your personal tax diversification needs—and give you the peace of mind of knowing it’s backed by the financial strength of New York Life. 

A proven track record of financial strength.

Recognized as an industry leader by top financial publications.

180 years of keeping our promises to policy owners.

A New York Life financial professional can help you pursue protection and growth in one integrated retirement plan – backed up by New York Life’s proven track record of financial strength and reliability.

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