Click here to download the May 1, 2008 product prospectus for the NYLIAC Pinnacle Variable Universal Life and NYLIAC Pinnacle Survivorship Variable Universal Life products. The product prospectus includes charges and expenses. The complete prospectus is in .pdf format (82 pages – 614 KB PDF). You may download the Statement of Additional Information here.

You also need to download the underlying fund prospectus for the Investment Divisions available with the Pinnacle VUL and Pinnacle SVUL policies.

• MainStay VP Series Fund, Inc.–Initial Class
• Alger American Capital Appreciation–Class O Shares (formerly Alger American Leveraged All Cap–Class O Shares)^*
• Alger American small Cap Growth–Class O Shares (formerly Alger American Small Capitalization–Class O Shares)^*
• American Century VP Inflation Protections–Class II
• American Century VP International–Class II
• American Century VP Value–Class II
• Dreyfus IP Technology Growth–Initial Shares
• Dreyfus VIF Developing Leaders–Initial Shares
• Fidelity® VIP Contrafund®–Initial Class
• Fidelity® VIP Equity–Income–Initial Class
• Fidelity® VIP Growth–Initial Class
• Fidelity® VIP Index 500-Initial Class
• Fidelity® VIP Investment Grade Bond–Initial Class
• Fidelity® VIP Mid Cap–Initial Class
• Fidelity® VIP Overseas–Initial Class
• Janus Aspen Series Balanced–Institutional Shares
• Janus Aspen Series Mid Cap Growth–Institutional Shares
• Janus Aspen Series Worldwide Growth–Institutional Shares
• MFS® Investors Trust Series–Initial Class
• MFS® New Discovery Series–Initial Class
• MFS® Research Series–Initial Class
• MFS® Utilities–Initial Class
• Neuberger Berman AMT Mid–Cap Growth–I Class Shares
• PIMCO Global Bond Fund - Administrative Class Shares
• PIMCO Low Duration - Administrative Class Shares
• PIMCO Real Return - Administrative Class Shares
• PIMCO Total Return - Administrative Class Shares
• T. Rowe Price Equity income Portfolio
• T. Rowe Price Limited–Term Bond Portfolio
• Van Eck Worldwide Absolute Return Fund–Initial Class Shares
• Van Eck Worldwide Hard Assets Fund–Initial Class Shares
• Van Kampen UIF Emerging Markets Debt–Class I
• Van Kampen UIF Emerging Markets Equity–Class I
• Van Kampen UIF U.S. Real Estate–Class I

The fund prospectuses contain information on each of the Investment Divisions available under our products, including details of each Portfolio's investment objective, style and associated risk.

^*No premiums or transfers will be accepted into the Alger American SmallCap Growth—Class O Shares portfolio from policyowners who did not have Cash Value allocated to this Investment Division prior to June 1, 2007. Policyowners who remove all Cash Value allocations from this Investment Division will not be permitted to reinvest in this Investment Division.

Together these pieces provide you with a complete picture of what the NYLIAC Pinnacle VUL and NYLIAC Pinnacle SVUL may offer you as you plan for your long-term insurance and financial goals.

You may also request a prospectus and statement of additional information by mail or call 1-888-695-4748.

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Issued by: New York Life Insurance and Annuity Corporation
(A Delaware Corporation)
51 Madison Avenue
New York, NY 10010

Distributed by: NYLIFE Distributors LLC.
Member FINRA/SIPC
169 Lackawanna Avenue
Parsippany, NJ 07054

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