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The mutual funds and variable insurance products referred to in the New York Life Insurance Company site may be offered or sold only to persons in the United States. Securities products are offered by NYLIFE Securities LLC (Member FINRA/SIPC), A Licensed Insurance Agency. Please call 1-800-624-6782 for a free prospectus, which contains more complete information on applicable fees, charges and expenses, and share classes for each mutual fund. Please call 1-800-598-2019 for a free variable insurance product prospectus. Please read it carefully before investing. No statements or information referred to in the New York Life Insurance Company or NYLIFE Securities web site constitutes investment advice or a recommendation or offer to purchase or sell any securities. No suggestion is made that any securities product referred to is or is not suitable for any particular investor. The mutual funds and variable insurance products referred to in the New York Life Insurance Company and NYLIFE Securities web sites are distributed by NYLIFE Distributors LLC, Member FINRA/SIPC.