04/16/2024 | Press release | Distributed by Public on 04/16/2024 09:12
Page
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Definitions
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2
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Important Information You Should Consider About The Policy
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5
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Overview Of The Policy
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9
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Benefits Available Under The Policies
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11
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Buying The Policy
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16
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Making Withdrawals: Accessing Money In Your Policy
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17
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Additional Information about Fees
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19
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Appendix 1A
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1A
-1
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Appendix 1B
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1B
-1
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FEES AND EXPENSES
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LOCATION IN
PROSPECTUS
|
|||
Charges for Early
Withdrawal
|
In most jurisdictions,* if you withdraw more than the Surrender Charge
Free Amount within 8 years following your last premium payment, you
will be assessed a surrender charge. The maximum surrender charge
is 8% of the amount withdrawn during the first two Payment
Years following the premium payment, declining to 0% over that
eight-year period. For example, if you make an early withdrawal within
the first Payment Year, you could pay a surrender charge of up to
$8,000 on a $100,000 investment.
*Policies issued in New York are subject to a different surrender charge
schedule. See "Transaction Expenses" in the ADDITIONAL
INFORMATION ABOUT FEES section.
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CHARGES AND
DEDUCTIONS -
Transaction
Expenses
-Surrender
Charges
|
||
Transaction
Charges
|
We reserve the right to assess a transaction charge if you transfer cash
value between investment options more than 12 times a year, or if a
premium payment is returned for insufficient funds. A loan processing
fee may apply if you take a policy loan. Although we do not currently
charge for such transactions, we reserve the right to charge up to $30
per transaction. A Rider Risk Charge Adjustment for IPR 5.0
("Cancellation Charge") may apply if you discontinue the IPR 5.0.
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CHARGES AND
DEDUCTIONS
-Transaction
Expenses
|
||
Ongoing Fees
and Expenses
(annual charges)
|
The table below describes the fees and expenses that you may pay
each year, depending on the options you choose. Please refer to your
Policy Data Page for information about the specific fees you will pay
each year based on the options you have elected.
|
CHARGES AND
DEDUCTIONS -
Annual Policy
Expenses; Annual
Portfolio Expenses;
Optional Benefit
Expenses
|
||
ANNUAL FEE
|
MINIMUM
|
MAXIMUM
|
||
Base contract1
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1.30%
|
1.60%
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CHARGES AND
DEDUCTIONS -
Annual Policy
Expenses
|
|
Investment options (Portfolio fees
and expenses)2
|
0.38%
|
1.42%
|
CHARGES AND
DEDUCTIONS -
Annual Portfolio
Expenses
|
|
Optional benefits available for an
additional charge (for a single
optional benefit, if elected)3
|
0.25%
|
0.70%
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CHARGES AND
DEDUCTIONS -
Optional Benefit
Expenses
|
1 As a percentage of Accumulation Value (Minimum Base Contract
Charge) and as a percentage of Adjusted Premium Payments
(Maximum Base Contract Charge).
2 As a percentage of average net Portfolio assets. The range in fees
and expenses is for the year ended December 31, 2023 and will
change from year to year.
3 The minimum fee reflects the current charge for the Annual Death
Benefit Reset Rider, as an annualized percentage of the amount
guaranteed under the ADBR. The maximum fee reflects the current
charge for the IPR 5.0, as a percentage of the amount that is
guaranteed under the IPR 5.0.
|
|||
Because your policy is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
policy, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that
you do not take withdrawals from the policy, which could add
surrender charges that substantially increase costs.
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|||
LOWEST ANNUAL COST
$1,694.92
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HIGHEST ANNUAL COST
$3,202.73
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Assumes:
•Investment of $100,000
•5% annual appreciation
•Least expensive combination of
Base Contract Charges and
Portfolio fees and expenses
•No optional benefits
•No sales charges
•No additional purchase
payments, transfers or
withdrawals
|
Assumes:
•Investment of $100,000
•5% annual appreciation
•Most expensive combination of
Base Contract Charges,
optional benefits, and Portfolio
fees and expenses
•No sales charges
•No additional purchase
payments, transfers or
withdrawals
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RISKS
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LOCATION IN
PROSPECTUS
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Risk of Loss
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You can lose money by investing in this policy.
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PRINCIPAL RISKS
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Not a Short-Term
Investment
|
This policy is not designed for short-term investing and is not
appropriate for an investor who readily needs access to cash.
Surrender charges apply for up to 8 years following your last premium
payment. They will reduce the value of your policy if you withdraw
money during that time. The benefits of tax deferral and living benefit
protections also mean the policy is more beneficial to investors with a
long time horizon. If you elect the IPR 5.0, you will not receive a benefit
under the rider unless you hold the policy for at least the specified
Holding Period applicable to the rider.
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PRINCIPAL RISKS
|
Risks Associated
with Allocation
Options
|
•An investment in this policy is subject to the risk of poor investment
performance and can vary depending on the performance of the
variable investment options (e.g., Portfolios) and guaranteed options
(e.g. the Fixed Account and DCA Advantage Account) you choose.
•Each investment option (including the Fixed Account and the DCA
Advantage Account) has its own unique risks.
•You should review the prospectuses for the available Portfolios and
description in this prospectus of the Fixed Account and the DCA
Advantage Account before making an investment decision.
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PRINCIPAL RISKS
|
Insurance
Company Risks
|
An investment in the policy is subject to the risks related to NYLIAC,
including that any obligations, guarantees, and benefits of the policy
are subject to the claims-paying ability of NYLIAC. If NYLIAC
experiences financial distress, it may not be able to meet its obligations
to you. More information about NYLIAC is available upon request from
NYLIAC by calling 1-800-598-2019.
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PRINCIPAL RISKS
|
RESTRICTIONS
|
LOCATION IN
PROSPECTUS
|
|
Investments
|
•We limit the number of Investment Divisions you may choose. You
may allocate premium payments or Accumulation Value to as many
as 18 different Investment Divisions at any one time, some of which
may not be available under your policy.
•We reserve the right to charge $30 for each transfer when you
transfer money between Investment Divisions in excess of 12 times in
a Policy Year.
•We reserve the right to limit transfers in circumstances of frequent
transfers or to prevent market timing.
•We reserve the right to remove, close or substitute Portfolios as
investment options that are available under the policy.
•Premium Credits under the policy may be recaptured upon free look,
annuitization, and death.
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THE POLICIES -
Policy Application
and Premium
Payments,
Transfers and
Limits on Transfers
NYLIAC AND THE
SEPARATE
ACCOUNTS -
Additions,
Deletions or
Substitutions of
Investments
|
Optional Benefits
|
•Certain optional benefits restrict the investment options you may
select under the policy. We may change these restrictions in the
future.
•Certain optional benefits may limit withdrawals or other rights under
the policy.
•Under certain benefits, a withdrawal could reduce the value of a
benefit by more than the dollar amount of the withdrawal.
•You are required to have a minimum Accumulation Value for some
optional benefits.
•We may modify or discontinue an optional benefit at any time.
•Some optional benefits cannot be cancelled without surrendering
your policy.
•The amount of the death benefit available under certain optional
benefits may vary depending on the date of death. Certain optional
benefits may offer a lesser death benefit at issue and require that the
policy be held for a minimum waiting period before the greater death
benefit will be payable. If you die before the end of the minimum
waiting period, the death benefit will be less than the greater death
benefit available after the minimum waiting period. Additionally, where
there is a reset of certain optional benefit riders, a new minimum
waiting period will be required before the greater death benefit will be
payable. If you die before the end of the new minimum waiting
period, the death benefit may be less than the greater death benefit
available after the new minimum waiting period.
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DESCRIPTION OF
BENEFITS
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TAXES
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LOCATION IN
PROSPECTUS
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Tax Implications
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•Consult with a tax professional to determine the tax implications of
an investment in, withdrawals from and surrenders of this policy.
•If you purchase the policy through a tax-qualified plan or individual
retirement account (IRA), such plan or IRA already provides tax
deferral under the Internal Revenue Code and there are fees and
charges in an annuity that may not be included in such other
investments. Therefore, the tax deferral of the annuity does not
provide additional benefits.
•Premiums that are made on a pre-tax basis as well as earnings on
your policy are taxed at ordinary income tax rates when you withdraw
them, and you may have to pay a 10% penalty tax if you take a
withdrawal before age 59½.
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FEDERAL TAX
MATTERS
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CONFLICTS OF INTEREST
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LOCATION IN
PROSPECTUS
|
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Investment
Professional
Compensation
|
Your registered representative may receive compensation for selling
this policy to you, in the form of commissions, asset-based
compensation, allowances for expenses, and other compensation
programs. Your registered representative may have a financial incentive
to offer or recommend this policy over another investment.
|
DISTRIBUTION AND
COMPENSATION
ARRANGEMENTS
|
Exchanges
|
Your registered representative may have a financial incentive to offer
you a new policy in place of the one you own. You should only consider
exchanging your policy if you determine, after comparing the features,
fees, and risks of both policies, that it is in your best interest to
purchase the new policy rather than continue to own your existing
policy.
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THE POLICIES -
Tax-Free
Section 1035
Exchanges
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NAME OF
BENEFIT
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PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
Standard Death
Benefit
|
Guarantees that your
beneficiaries will receive the
greatest of: (i) your
Accumulation Value, less any
Premium Credits applied
within the 12 months
immediately preceding death;
(ii) the Return of Premium
Death Benefit; or (iii) the
Step-up Death Benefit.
|
No additional charge
|
•Withdrawals could
significantly reduce the
benefit (possibly by an
amount substantially
greater than the actual
amount withdrawn).
|
NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
Annual Death
Benefit Reset
(ADBR) Rider
|
Provides a new locked-in
higher death benefit each
year from the Policy Date
("Reset Anniversary"), if your
investments increase in
value.
|
Maximum Charge: 1.00%
(Charge calculated as an
annualized percentage of the
ADBR Reset Value as of the
last Policy Anniversary (or as
of the Policy Date if within
the first Policy Year,
deducted quarterly).
|
•Only available at the time
of application.
•Resets will continue on
Reset Anniversaries until
the Owner (or Annuitant if
the Owner is not a natural
person) is age 85.
•In certain jurisdictions, an
ownership change or
assignment will terminate
the benefit.
•Withdrawals could
significantly reduce the
benefit (possibly by an
amount substantially
greater than the actual
amount withdrawn).
•You cannot cancel the rider
without surrendering the
policy.
•The rider is not available
for Inherited Non-Qualified
policies.
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NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
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IPR 5.0- Death
Benefit
|
A death benefit that is
available if you purchase the
IPR 5.0.
This death benefit
guarantees that your
beneficiaries will receive the
greatest of the: (i) Standard
Death Benefit under the
policy; (ii) any death benefit
available under any other
rider attached to the policy;
or (iii) the IPR death benefit.
|
Maximum Charge: 1.50%
(as an annualized
percentage of the amount
that is guaranteed)
Maximum Rider Risk Charge
Adjustment (Cancellation
Charge): 2.00% (one-time
charge; calculated as a
percentage of the amount
guaranteed)
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•Only available at the time
of application.
•Only payable if the
Owner's spouse does not
elect to continue the policy
pursuant to its spousal
continuance option. If the
Owner's spouse elects to
continue the policy, IPR 5.0
will continue and the IPR
Death Benefit will not be
paid.
•See the next table
"OPTIONAL LIVING
BENEFITS AVAILABLE
FOR A FEE-IPR 5.0" for
more information about the
restrictions and limitations
applicable to the IPR 5.0.
•Where the Guarantee
Percentage under the IPR
5.0 is 101% or more, the
Owner must hold the policy
for a minimum waiting
period (within two years of
the Holding Period End
Date), before the IPR 5.0
Death Benefit equals the
Guaranteed Amount. If the
Owner dies prior to the end
of the required waiting
period, the IPR 5.0 Death
Benefit will be equal to the
first policy year premiums
less any proportional
withdrawals. (See
DESCRIPTION OF
BENEFITS - Investment
Preservation Rider 5.0 in
the Prospectus for more
information on IPR 5.0
Death Benefit calculations.)
•If an IPR Reset is elected
where the Guarantee
Percentage under the IPR
5.0 is 101% or more, a new
minimum waiting period
(within two years of the
Holding Period End Date)
will begin before the IPR
Death Benefit equals the
Guaranteed Amount. If the
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NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
Owner dies prior to the end
of that required waiting
period, the IPR Death
Benefit will equal the
Accumulation Value as of
the Rider Reset Effective
Date less any proportional
withdrawals. (See
DESCRIPTION OF
BENEFITS - Investment
Preservation Rider 5.0 in
the Prospectus for more
information on IPR 5.0
Death Benefit calculations.)
|
NAME OF BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
Investment
Preservation Rider
5.0
|
Protects your investment
from loss for a specified
holding period. If, after a
specified holding period, your
Accumulation Value is less
than the amount guaranteed,
we will make a one-time
increase to your
Accumulation Value to make
it equal to the guaranteed
amount.
You may request to reset the
guaranteed amount (an IPR
Reset) under certain
circumstances.
In most jurisdictions, includes
an IPR Death Benefit which
is payable upon the death of
the Owner if the Owner dies
before the end of the Holding
Period.
|
Maximum Charge: 1.50%
(as an annualized
percentage of the amount
that is guaranteed)
Cancellation Charge for all
Holding Periods (Rider Risk
Charge Adjustment):
2.00%
(one-time charge; calculated
as a percentage of the
amount guaranteed)
|
•Only available at the time
of application to
policyowners aged 75 or
younger (70 or younger for
the 20-year Holding
Period).
•You should not select this
rider unless you intend to
keep the policy for at least
as long as the Holding
Period you've selected.
•Provides no benefit if you
surrender the policy before
the end of the Holding
Period.
•Restricts the availability of
certain investment options.
See APPENDIX 1B.
•Premium payments are
only permitted (a) in the
first Policy Year or (b) after
a specified Holding Period.
•Withdrawals could
significantly reduce the
benefit (possibly by an
amount greater than the
actual amount withdrawn).
•An IPR Reset starts a new
Holding Period. New
annual charges may apply
after you elect an IPR
Reset.
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NAME OF BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
•IPR Reset rights may be
suspended or discontinued
and are subject to age
limits.
•We apply a one-time
charge if you cancel the
rider (Rider Risk Charge
Adjustment).
•For Accumulation
Value-Based M&E Charge
policies, you may only
select the 12- or 13-year
Holding Periods and your
minimum initial premium
payment is $500,000.
•For Premium-Based M&E
Charge policies, you may
elect any Holding Period. If,
however, if you elect the
20-year Holding Period,
your minimum initial
premium payment is
$500,000.
•Not available for 403(b),
Inherited IRA, Inherited
Roth IRA, or Inherited
Non-Qualified policies.
|
NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
Living Needs
Benefit /
Unemployment
Rider
|
Waives Surrender Charges if
the Owner experiences
certain "qualifying events"
such as: (i) confinement to a
health care facility for 60
consecutive days;
(ii) terminal illness; or
(iii) disability. If the Owner
becomes unemployed, the
rider waives Surrender
Charges on a one-time
withdrawal of up to 50% of
your Accumulation Value.
|
None
|
•Policy must have been in
force for at least one year
and have a minimum
Accumulation Value of
$5,000.
•Qualifying Event (as
defined in the rider) must
occur after the Policy Date.
•Not available if any Owner
has attained age 86 on the
Policy Date.
•For the Disability portion of
the rider, any withdrawal
after your 66th birthday will
not be eligible for the rider
benefit and surrender
charges may apply.
•Unemployment must be for
at least 60 consecutive
|
NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
days.
•A determination letter from
your state's Department of
Labor is required for
unemployment benefit.
|
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Automatic Asset
Rebalancing
|
Automatically rebalances
your Variable Accumulation
Value (either quarterly,
semi-annually, or annually)
to maintain the percentage
allocated to each Investment
Division at a pre-set level.
|
None
|
•Cannot be used with the
traditional Dollar Cost
Averaging option.
•You must have a minimum
Accumulation Value of
$2,500 to elect automatic
asset rebalancing, and a
minimum of $2,500 to
continue it as scheduled.
|
Traditional Dollar
Cost Averaging
|
Automatically transfers a
specific amount of money
from any Investment Division
to any combination of
Investment Divisions and/or
Fixed Account at set
intervals.
|
None
|
•Cannot be used with the
Automatic Asset
Rebalancing option, or with
IPR 5.0.
•For premium based M&E
Charge policies, amounts
cannot be transferred to
the Fixed Account (if
applicable).
•You must have a minimum
Accumulation Value of
$2,500 to elect this option,
and a minimum of $2,000
to continue as scheduled.
|
The DCA
Advantage Account
|
Allows you to set up
automatic dollar cost
averaging using the DCA
Advantage Account when an
initial premium payment or a
subsequent premium
payment of at least $2,000 is
made. The DCA Advantage
Account transfers amounts
automatically to the
Investment Divisions you
choose in up to six monthly
increments and pays you
interest on amounts
remaining in the DCA
Advantage Account.
|
None
|
•DCA Advantage Account
duration may not extend
beyond the Annuity
Commencement Date.
•You may not have more
than one DCA Advantage
Account open at the same
time.
•You must allocate a
minimum of $2,000 to the
DCA Advantage Account;
any premium payment less
than $2,000 will be
allocated directly to the
Investment Divisions in
accordance with the
instructions we have on
file.
•You cannot make transfers
into the DCA Advantage
Account from any
Allocation Option.
•The annual effective
|
NAME OF
BENEFIT
|
PURPOSE
|
MAXIMUM FEE
|
BRIEF DESCRIPTION OF
RESTRICTIONS/
LIMITATIONS
|
interest rate for the DCA
Advantage Account shown
on your Policy Data Page
applies only to your initial
premium payment. Interest
rates applied to
subsequent premium
payments allocated to the
DCA Advantage Account
may differ.
•The benefits payable under
the DCA Advantage
Account (including principal
and interest) are payable
from NYLIAC's general
account and are subject to
its claims-paying ability.
|
|||
Interest Sweep
|
Automatically transfers
interest earned on the Fixed
Account to one or any
combination of Investment
Divisions.
|
None
|
•Frequency of the transfers
can be monthly, quarterly,
semi-annually, or annually.
•You must have a minimum
of $2,500 in the Fixed
Account to elect this option
(but this amount may be
reduced at our discretion)
and a minimum of $2,000
to continue as scheduled.
|
NON-QUALIFIED POLICIES
(purchased using
after-tax dollars)
|
QUALIFIED POLICIES
(purchased using
pre-tax dollars)
|
|
Minimum Initial Premium
|
$5,000
|
$5,000 ($10,000 for policies issued in
connection with a Pension/Keogh
plan)
|
Minimum Initial Premium for
Accumulation Value-Based M&E
Charge Policies with IPR 5.0 (only
available for 12 and 13 year
holding periods)
|
$500,000
|
$500,000
|
Minimum Initial Premium for
Premium-Based M&E Charge
Policies with IPR 5.0
|
•$5,000 for 12-15 year Holding
Periods
•$500,000 for 20-year Holding
Period
|
•$5,000 for 12-15 year Holding
Periods
•$500,000 for 20-year Holding
Period
|
Minimum Subsequent Premiums
|
$5,000
|
Lesser of $2,500 or the maximum
permitted by the plan or applicable
law
|
Maximum Total Premiums
|
$1,000,000 (unless NYLIAC has approved a higher amount)
NYLIAC reserves the right to limit the dollar amount of any premium
payment.
|
Regular Mail
|
Express Mail
|
|
Subsequent Premium
Payments
|
NYLIAC, Suite 3021
75 Remittance Drive
Chicago, IL 60675-3021
|
NYLIAC
5450 N. Cumberland Avenue
Suite 100
Chicago, IL 60656-1422
|
Limitations on withdrawal amounts
|
The minimum amount you can withdraw is $500,
unless we agree otherwise. Currently, online
withdrawals cannot exceed $250,000. If you request a
withdrawal for amounts greater than $50,000 in writing
we may require additional verification of your identity.
|
Surrender charges and taxes
|
As described above, there may be surrender charges
and tax consequences when you take out money.
|
Negative impact of withdrawal on benefits and
guarantees of your policy
|
A withdrawal may have a negative impact on certain
standard benefits or optional benefits that you may
elect. It may significantly reduce the value of the
benefit (possibly by an amount greater than the actual
amount withdrawn) or even terminate certain benefits.
A withdrawal may also be a taxable transaction and a
10% penalty tax could be applicable.
|
Regular Mail
|
Express Mail
|
|
Surrender or Withdrawal
Requests
|
NYLIAC Variable Products Service Center
Madison Square Station
P.O. Box 922
New York, NY 10159
|
NYLIAC Variable Products Service Center
51 Madison Avenue
Floor 3B, Room 0304
New York, NY 10010
|
Payment Year
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9+
|
Surrender Charge
|
8.00%
|
8.00%
|
7.00%
|
6.00%
|
5.00%
|
4.00%
|
3.00%
|
2.00%
|
0.00%
|
Policy Year
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
Surrender Charge
|
8.00%
|
8.00%
|
7.00%
|
6.00%
|
5.00%
|
4.00%
|
3.00%
|
0.00%
|
Other Transaction Charges
|
Guaranteed
Maximum Charge
|
Current
Charge
|
Transfer Fee (charged for transfers in excess of 12 in a Policy Year)
|
$30
|
$0
|
Payments Returned for Insufficient Funds
|
$20
|
$0
|
Loan Processing Fee (TSA Plans only)
|
$25
|
$0
|
Rider Risk Charge Adjustment
(Cancellation Charge)
(one-time charge for cancellation of the IPR 5.0;
calculated as a percentage of the amount guaranteed)
|
12 Year Holding
Period
|
2.00%
|
2.00%
|
13 Year Holding
Period
|
2.00%
|
2.00%
|
|
14 Year Holding
Period
|
2.00%
|
2.00%
|
|
15 Year Holding
Period
|
2.00%
|
2.00%
|
|
20 Year Holding
Period
|
1.00%
|
1.00%
|
Policies with Accumulation
Value-based Base Contract
Charges1
|
Policies with Premium-based Base
Contract Charges2
|
|||
Administrative Expense3
|
$30
|
$30
|
||
Base Contract Expenses4
|
Guaranteed
Maximum
Charge
|
Current
Charge
|
Guaranteed
Maximum
Charge
|
Current
Charge
|
1.60%
(During the
Surrender Charge
Period for the
initial premium)
|
1.50%
(During the
Surrender Charge
Period for the
initial premium)
|
1.70%
(During the
Surrender Charge
Period for the
initial premium)
|
1.60%
(During the
Surrender Charge
Period for the
initial premium)
|
|
1.40%
(After the
Surrender Charge
Period for the
initial premium)
|
1.30%
(After the
Surrender Charge
Period for the
initial premium)
|
1.50%
(After the
Surrender Charge
Period for the
initial premium)
|
1.40%
(After the
Surrender Charge
Period for the
initial premium)
|
Charge for Investment Preservation Rider 5.0 ("IPR 5.0")*
|
Guaranteed
Maximum Charge
|
Current
Charge
|
|
Annual Charge
(calculated as an annualized percentage of
the amount that is guaranteed under the
IPR 5.0, deducted on a quarterly basis)
|
12 Year Holding Period
|
1.50%
|
0.70%
|
13 Year Holding Period
|
1.50%
|
0.60%
|
|
14 Year Holding Period
|
1.50%
|
0.55%
|
|
15 Year Holding Period
|
1.50%
|
0.50%
|
|
20 Year Holding Period
|
1.50%
|
0.60%
|
Annual Charge for Annual Death Benefit Reset Rider
|
Guaranteed
Maximum Charge
|
Current
Charge
|
(calculated as an annualized percentage of the Reset Value as
of the last Policy Anniversary (or as of the Policy Date if within
the first Policy Year), deducted on a quarterly basis.
|
1.00%
|
0.25%
|
Minimum
|
Maximum
|
|
Expenses that are deducted from the Portfolio assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses.1
|
||
Before fee waivers and expense reimbursements
|
0.38%
|
1.42%
|
After fee waivers and expense reimbursements2
|
0.28%
|
1.38%
|
Years
|
||||
1 yr
|
3 yr
|
5 yr
|
10 yr
|
|
If you surrender your policy at the end of the applicable time
period:
|
$11,375.01
|
$18,853.49
|
$25,428.40
|
$41,474.09
|
If you annuitize at the end of the applicable time period:
|
$11,375.01
|
$12,379.94
|
$20,714.90
|
$41,474.09
|
If you do not surrender your policy:
|
$4,111.00
|
$12,379.94
|
$20,714.90
|
$41,474.09
|
*Assumes you have elected a policy with premium-based Base
Contract charges with both the IPR 5.0 (20-year Holding Period)
and the ADBR.
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Large Cap Equity
|
MainStay VP American Century Sustainable
Equity - Service Class
Adviser: New York Life Investment
Management LLC ("New York Life Investments") /
Subadviser: American Century Investment
Management, Inc.
|
0.92%
|
24.08%
|
12.66%
|
8.46%
|
Asset Allocation
|
MainStay VP Balanced - Service Class
Adviser: New York Life Investments / Subadvisers:
NYL Investors LLC ("NYL Investors") and
Wellington Management Company LLP
("Wellington")
|
0.95%
|
7.28%
|
8.15%
|
5.90%
|
Investment
Grade Bond
|
MainStay VP Bond - Service Class
Adviser: New York Life Investments / Subadviser:
NYL Investors
|
0.77%
|
5.31%
|
0.71%
|
1.45%
|
Sector
|
MainStay VP CBRE Global Infrastructure -
Service Class
Adviser: New York Life Investments / Subadviser:
CBRE Investment Management Listed Real Assets
LLC
|
1.20%
|
3.80%
|
0.46%
|
(2.84)%
|
Asset Allocation
|
MainStay VP Conservative Allocation - Service
Class
Adviser: New York Life Investments
|
0.73%
|
10.02%
|
5.38%
|
3.82%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Large Cap Equity
|
MainStay VP Epoch U.S. Equity Yield - Service
Class
Adviser: New York Life Investments / Subadviser:
Epoch Investment Partners, Inc. ("Epoch")
|
0.93%
|
8.42%
|
9.82%
|
6.91%
|
Asset Allocation
|
MainStay VP Equity Allocation - Service Class
Adviser: New York Life Investments
|
0.86%
|
17.10%
|
10.45%
|
6.62%
|
Sector
|
MainStay VP Fidelity Institutional AM® Utilities -
Service Class
Adviser: New York Life Investments / Subadviser:
FIAM LLC ("FIAM")
|
0.92%
|
(1.71)%
|
8.14%
|
6.15%
|
Non-Investment
Grade Bond
|
MainStay VP Floating Rate - Service Class
Adviser: New York Life Investments / Subadviser:
NYL Investors
|
0.89%
|
11.58%
|
4.69%
|
3.54%
|
Asset Allocation
|
MainStay VP Growth Allocation - Service Class
Adviser: New York Life Investments
|
0.82%
|
15.20%
|
9.20%
|
5.96%
|
Alternatives
|
MainStay VP Hedge Multi-Strategy (formerly
MainStay VP IQ Hedge Multi-Strategy) - Service
Class
Adviser: New York Life Investments / Subadviser:
IndexIQ Advisors LLC ("IndexIQ")
|
1.32%
|
9.98%
|
2.53%
|
(1.67)%
|
Asset Allocation
|
MainStay VP Income Builder - Service Class
Adviser: New York Life Investments / Subadvisers:
Epoch and MacKay Shields LLC ("MacKay")
|
0.87%
|
9.78%
|
5.78%
|
4.75%
|
Asset Allocation
|
MainStay VP Janus Henderson Balanced -
Service Class
Adviser: New York Life Investments / Subadviser:
Janus Henderson Investors US LLC ("Janus
Henderson")
|
0.82%
|
15.23%
|
9.48%
|
7.78%
|
Non-Investment
Grade Bond
|
MainStay VP MacKay Convertible - Service
Class
Adviser: New York Life Investments / Subadviser:
MacKay
|
0.83%
|
8.58%
|
11.31%
|
8.23%
|
Non-Investment
Grade Bond
|
MainStay VP MacKay High Yield Corporate
Bond - Service Class
Adviser: New York Life Investments / Subadviser:
MacKay
|
0.83%
|
11.59%
|
5.04%
|
4.47%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Non-Investment
Grade Bond
|
MainStay VP MacKay Strategic Bond - Service
Class
Adviser: New York Life Investments / Subadviser:
MacKay
|
0.87%
|
9.92%
|
3.18%
|
2.49%
|
Investment
Grade Bond
|
MainStay VP MacKay U.S. Infrastructure Bond
(formerly MainStay VP MacKay Government) -
Service Class
Adviser: New York Life Investments / Subadviser:
MacKay
|
0.81%
|
4.74%
|
0.05%
|
0.72%
|
Asset Allocation
|
MainStay VP Moderate Allocation - Service
Class
Adviser: New York Life Investments
|
0.76%
|
12.73%
|
7.20%
|
4.90%
|
Sector
|
MainStay VP Natural Resources - Initial Class
Adviser: New York Life Investments / Subadviser:
Newton Investment Management North America,
LLC ("NIMNA")
|
0.84%
|
1.92%
|
18.96%
|
2.79%
|
Investment
Grade Bond
|
MainStay VP PIMCO Real Return - Service
Class
Adviser: New York Life Investments / Subadviser:
Pacific Investment Management Company LLC
("PIMCO")
|
1.03%
|
3.46%
|
3.08%
|
2.01%
|
International/
Global
Equity
|
MainStay VP PineStone International Equity
(formerly MainStay VP MacKay International
Equity) - Service Class
Adviser: New York Life Investments / Subadviser:
PineStone Asset Management Inc.
|
1.11%
|
4.01%
|
5.10%
|
3.85%
|
Large Cap Equity
|
MainStay VP S&P 500 Index - Service Class
Adviser: New York Life Investments / Subadviser:
IndexIQ
|
0.37%
|
25.83%
|
15.25%
|
11.53%
|
Small/Mid Cap
Equity
|
MainStay VP Small Cap Growth - Service Class
Adviser: New York Life Investments / Subadvisers:
Brown Advisory LLC and Segall Bryant & Hamill,
LLC
|
1.10%
|
15.22%
|
10.29%
|
7.26%
|
Money Market
|
MainStay VP U.S. Government Money Market -
Initial Class
Adviser: New York Life Investments
/ Subadviser: NYL Investors
|
0.28%
|
4.81%
|
1.61%
|
0.99%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Small/Mid Cap
Equity
|
MainStay VP Wellington Mid Cap - Service Class
Adviser: New York Life Investments / Subadviser:
Wellington
|
1.11%
|
13.41%
|
7.93%
|
6.39%
|
Small/Mid Cap
Equity
|
MainStay VP Wellington Small Cap - Service
Class
Adviser: New York Life Investments / Subadviser:
Wellington
|
0.99%
|
13.60%
|
6.42%
|
5.99%
|
Large Cap Equity
|
MainStay VP Wellington U.S. Equity - Service
Class
Adviser: New York Life Investments / Subadviser:
Wellington
|
0.81%
|
24.27%
|
12.88%
|
10.19%
|
Large Cap Equity
|
MainStay VP Winslow Large Cap Growth -
Service Class
Adviser: New York Life Investments
/ Subadviser: Winslow Capital Management, LLC
|
0.99%
|
42.70%
|
17.29%
|
13.18%
|
Large Cap Equity
|
AB VPS Relative Value Portfolio - Class B
Adviser: AllianceBernstein L.P.
|
0.86%
|
11.72%
|
11.57%
|
9.05%
|
Asset Allocation
|
American Funds IS Asset Allocation Fund - Class
4
Adviser: Capital Research and Management
CompanySM ("CRMC")
|
0.80%
|
14.02%
|
8.92%
|
6.98%
|
Investment
Grade Bond
|
American Funds IS The Bond Fund of America®
- Class 4
Adviser: CRMC
|
0.73%
|
4.72%
|
1.62%
|
1.83%
|
Investment
Grade Bond
|
American Funds IS Capital World Bond Fund® -
Class 4
Adviser: CRMC
|
0.98%
|
5.89%
|
(0.56)%
|
0.12%
|
International/
Global
Equity
|
American Funds IS Global Small Capitalization
Fund - Class 4
Adviser: CRMC
|
1.16%
|
15.79%
|
8.03%
|
5.51%
|
Large Cap Equity
|
American Funds IS Growth Fund - Class 4
Adviser: CRMC
|
0.84%
|
38.13%
|
18.38%
|
14.07%
|
International/
Global
Equity
|
American Funds IS New World Fund® - Class 4
Adviser: CRMC
|
1.07%
|
15.67%
|
8.37%
|
4.43%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Investment
Grade Bond
|
American Funds IS U.S. Government Securities
Fund® - Class 4
Adviser: CRMC
|
0.76%
|
2.62%
|
0.79%
|
1.27%
|
Large Cap Equity
|
American Funds IS Washington Mutual Investors
FundSM - Class 4
Adviser: CRMC
|
0.77%
|
16.97%
|
12.33%
|
9.64%
|
Asset Allocation
|
BlackRock® Global Allocation V.I. Fund - Class III
Adviser: BlackRock Advisors, LLC ("BlackRock") /
Subadvisers: BlackRock (Singapore) Limited and
BlackRock International Limited
|
1.02%
|
12.49%
|
7.39%
|
4.63%
|
Non-Investment
Grade Bond
|
BlackRock® High Yield V.I. Fund - Class III
Adviser: BlackRock / Subadviser: BlackRock
International Limited
|
0.79%
|
12.94%
|
5.49%
|
4.21%
|
Sector
|
BNY Mellon IP Technology Growth Portfolio -
Service Shares
Adviser: BNY Mellon Investment Adviser, Inc. /
Subadviser: NIMNA
|
1.03%
|
59.00%
|
15.31%
|
12.94%
|
Large Cap Equity
|
BNY Mellon Sustainable U.S. Equity Portfolio -
Service Shares
Adviser: BNY Mellon Investment Adviser, Inc. /
Subadviser: Newton Investment Management
Limited
|
0.92%
|
23.50%
|
14.85%
|
10.18%
|
Large Cap Equity
|
ClearBridge Variable Appreciation Portfolio -
Class II
Adviser: Franklin Templeton Fund Adviser, LLC
("FTFA") / Subadviser: ClearBridge Investments,
LLC
|
0.97%
|
19.39%
|
13.79%
|
N/A
|
Non-Investment
Grade Bond
|
Columbia Variable Portfolio - Emerging Markets
Bond Fund - Class 2
Adviser: Columbia Management Investment
Advisers, LLC ("Columbia")
|
1.00%
|
10.02%
|
1.57%
|
2.20%
|
Investment
Grade Bond
|
Columbia Variable Portfolio - Intermediate Bond
Fund - Class 2
Adviser: Columbia
|
0.76%
|
5.96%
|
1.34%
|
1.99%
|
Small/Mid Cap
Equity
|
Columbia Variable Portfolio - Small Cap Value
Fund - Class 2
Adviser: Columbia
|
1.11%
|
21.67%
|
13.39%
|
8.40%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Alternatives
|
DWS Alternative Asset Allocation VIP - Class B
Adviser: DWS Investment Management Americas
Inc. / Subadviser: RREEF America LLC
|
1.21%
|
5.67%
|
5.70%
|
2.63%
|
Investment
Grade Bond
|
Fidelity® VIP Bond Index Portfolio - Service Class
2
Adviser: Fidelity Management & Research
Company LLC ("FMR") / Subadvisers: Other
investment advisers
|
0.39%
|
5.13%
|
0.64%
|
N/A
|
Large Cap Equity
|
Fidelity® VIP ContrafundSM Portfolio - Service
Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.81%
|
33.12%
|
16.36%
|
11.33%
|
International/
Global
Equity
|
Fidelity® VIP Emerging Markets Portfolio -
Service Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
1.14%
|
9.49%
|
7.55%
|
4.92%
|
Large Cap Equity
|
Fidelity® VIP Equity-Income PortfolioSM - Service
Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.72%
|
10.38%
|
12.01%
|
8.31%
|
Small/Mid Cap
Equity
|
Fidelity® VIP Extended Market Index Portfolio -
Service Class 2
Adviser: FMR / Subadviser: Geode Capital
Management, LLC ("Geode")
|
0.38%
|
17.11%
|
11.02%
|
N/A
|
Asset Allocation
|
Fidelity® VIP FundsManager® 60% Portfolio -
Service Class
Adviser: FMR
|
0.71%
|
14.17%
|
8.61%
|
6.26%
|
Large Cap Equity
|
Fidelity® VIP Growth Opportunities Portfolio -
Service Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.84%
|
45.30%
|
18.79%
|
15.44%
|
Sector
|
Fidelity® VIP Health Care Portfolio - Service
Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.84%
|
4.01%
|
9.50%
|
10.39%
|
International/
Global
Equity
|
Fidelity® VIP International Index Portfolio -
Service Class 2
Adviser: FMR / Subadviser: Geode
|
0.42%
|
15.88%
|
6.89%
|
N/A
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Investment
Grade Bond
|
Fidelity® VIP Investment Grade Bond Portfolio -
Service Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.63%
|
6.00%
|
1.72%
|
2.08%
|
Small/Mid Cap
Equity
|
Fidelity® VIP Mid Cap Portfolio - Service Class 2
Adviser: FMR / Subadvisers: Other investment
advisers
|
0.82%
|
14.80%
|
12.17%
|
7.85%
|
Asset Allocation
|
Franklin Templeton Aggressive Model Portfolio -
Class II
Adviser: FTFA / Subadviser: Franklin Advisers, Inc.
("Franklin Advisers")
|
0.91%
|
18.05%
|
N/A
|
N/A
|
Asset Allocation
|
Franklin Templeton Moderately Aggressive Model
Portfolio - Class II
Adviser: FTFA / Subadviser: Franklin Advisers
|
0.88%
|
15.53%
|
N/A
|
N/A
|
Asset Allocation
|
Franklin Templeton Moderate Model Portfolio -
Class II
Adviser: FTFA / Subadviser: Franklin Advisers
|
0.85%
|
13.18%
|
N/A
|
N/A
|
Asset Allocation
|
Franklin Templeton Moderately Conservative
Model Portfolio - Class II
Adviser: FTFA / Subadviser: Franklin Advisers
|
0.85%
|
10.31%
|
N/A
|
N/A
|
Asset Allocation
|
Franklin Templeton Conservative Model
Portfolio - Class II
Adviser: FTFA / Subadviser: Franklin Advisers
|
0.89%
|
8.31%
|
N/A
|
N/A
|
International/
Global
Equity
|
Invesco V.I. EQV International Equity Fund -
Series II Shares
Adviser: Invesco Advisers, Inc. ("Invesco")
|
1.15%
|
17.86%
|
8.15%
|
4.07%
|
Small/Mid Cap
Equity
|
Invesco V.I. Main Street Small Cap Fund® -
Series II Shares
Adviser: Invesco
|
1.13%
|
17.82%
|
12.79%
|
8.66%
|
Small/Mid Cap
Equity
|
Janus Henderson Enterprise Portfolio - Service
Shares
Adviser: Janus Henderson
|
0.97%
|
17.78%
|
13.14%
|
11.82%
|
International/
Global
Equity
|
Janus Henderson Global Research Portfolio -
Service Shares
Adviser: Janus Henderson
|
0.86%
|
26.47%
|
13.05%
|
8.74%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Small/Mid Cap
Equity
|
Macquarie VIP Small Cap Value Series (formerly
Delaware VIP® Small Cap Value Series) -
Service Class
Adviser: Delaware Management Company, a
series of Macquarie Investment Management
Business Trust (a Delaware statutory trust)
|
1.08%
|
9.10%
|
9.87%
|
6.77%
|
International
Equity
|
MFS® International Intrinsic Value Portfolio -
Service Class
Adviser: Massachusetts Financial Services
Company ("MFS")
|
1.14%
|
17.37%
|
8.31%
|
6.66%
|
Large Cap Equity
|
MFS® Investors Trust Series - Service Class
Adviser: MFS
|
1.03%
|
18.66%
|
13.27%
|
10.00%
|
Mid Cap
Equity
|
MFS® Mid Cap Value Portfolio - Service Class
Adviser: MFS
|
1.04%
|
12.39%
|
12.60%
|
8.46%
|
International/
Global
Equity
|
MFS® Research International Portfolio - Service
Class
Adviser: MFS
|
1.14%
|
12.83%
|
8.23%
|
3.89%
|
Large Cap Equity
|
MFS® Research Series - Service Class
Adviser: MFS
|
1.04%
|
22.12%
|
14.13%
|
10.55%
|
Sector
|
Morgan Stanley VIF U.S. Real Estate Portfolio -
Class II
Adviser: Morgan Stanley Investment Management
Inc.
|
1.05%
|
14.22%
|
2.66%
|
4.26%
|
Small/Mid Cap
Equity
|
Neuberger Berman AMT Mid Cap Growth
Portfolio - Class S
Adviser: Neuberger Berman Investment Advisers
LLC
|
1.11%
|
17.96%
|
11.86%
|
8.69%
|
Investment
Grade Bond
|
PIMCO VIT Income Portfolio - Advisor Class
Adviser: PIMCO
|
1.13%
|
8.14%
|
3.22%
|
N/A
|
Investment
Grade Bond
|
PIMCO VIT International Bond Portfolio (U.S.
Dollar-Hedged) - Advisor Class
Adviser: PIMCO
|
1.38%
|
8.91%
|
1.54%
|
N/A
|
Investment
Grade Bond
|
PIMCO VIT Low Duration Portfolio - Advisor
Class
Adviser: PIMCO
|
0.79%
|
4.87%
|
0.88%
|
0.82%
|
Type
|
Portfolio
Adviser/Sub-adviser
|
Current
Expenses*
|
Average Annual Total Returns
(as of 12/31/23)
|
||
1 year
|
5 year
|
10 year
|
|||
Investment
Grade Bond
|
PIMCO VIT Short-Term Portfolio - Advisor Class
Adviser: PIMCO
|
0.76%
|
5.80%
|
2.02%
|
1.76%
|
Investment
Grade Bond
|
PIMCO VIT Total Return Portfolio - Advisor Class
Adviser: PIMCO
|
0.85%
|
5.83%
|
0.98%
|
1.60%
|
Sector
|
Principal VC Real Estate Securities Account -
Class 2
Adviser: Principal Global Investors, LLC /
Subadviser: Principal Real Estate Investors, LLC
|
1.04%
|
13.01%
|
8.24%
|
8.44%
|
International/
Global
Equity
|
Putnam VT International Value Fund - Class IB
Adviser: Putnam Investment Management, LLC /
Subadvisers: Putnam Investments Limited and The
Putnam Advisory Company, LLC
|
1.13%
|
18.68%
|
9.70%
|
3.88%
|
Large Cap Equity
|
Voya Growth and Income Portfolio - Class S
Adviser: Voya Investments, LLC / Subadviser:
Voya Investment Management Co. LLC
|
0.92%
|
27.06%
|
15.90%
|
11.02%
|
Investment
Grade Bond
|
Western Asset Core Plus VIT Portfolio - Class II
Adviser: FTFA / Subadvisers: Western Asset
Management Company, LLC; Western Asset
Management Company Limited in London;
Western Asset Management Company Pte. Ltd. in
Singapore; and Western Asset Management
Company Ltd. in Japan
|
0.76%
|
6.44%
|
0.98%
|
N/A
|
Moderately Aggressive
|
Moderate
|
||
100%
|
Franklin Templeton Moderately Aggressive Model
Portfolio
|
100%
|
Franklin Templeton Moderate Model Portfolio
|
Moderately Conservative
|
Conservative (only available with 20-year holding period)
|
||
100%
|
Franklin Templeton Moderately Conservative Model
Portfolio
|
100%
|
Franklin Templeton Conservative Model Portfolio
|
Category A:
|
||
Minimum Allocation
|
30
%
|
|
Maximum Allocation
|
100
%
|
|
Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)
|
||
MainStay VP Bond
MainStay VP MacKay U.S. Infrastructure Bond
MainStay VP PIMCO Real Return
MainStay VP U.S. Government Money Market
American Funds IS The Bond Fund of America®
American Funds IS Capital World Bond Fund®
American Funds IS U.S. Government Securities Fund®
Columbia Variable Portfolio - Intermediate Bond Fund
Fidelity® VIP Bond Index Portfolio
|
Fidelity® VIP Investment Grade Bond Portfolio
PIMCO VIT Income Portfolio
PIMCO VIT International Bond Portfolio (U.S.
Dollar-Hedged)
PIMCO VIT Low Duration Portfolio
PIMCO VIT Short-Term Portfolio
PIMCO VIT Total Return Portfolio
Western Asset Core Plus VIT Portfolio
|
|
Subcategory II Funds
|
||
MainStay VP Floating Rate
MainStay VP MacKay High Yield Corporate Bond
MainStay VP MacKay Strategic Bond
|
BlackRock® High Yield V.I. Fund
Columbia Variable Portfolio - Emerging Markets Bond
|
|
Category B:
|
||
Minimum Allocation
|
0
%
|
|
Maximum Allocation
|
70
%
|
|
Category B Funds
|
||
MainStay VP American Century Sustainable Equity
MainStay VP Epoch U.S. Equity Yield
MainStay VP Hedge Multi-Strategy
MainStay VP MacKay Convertible
MainStay VP S&P 500 Index
MainStay VP Wellington U.S. Equity
MainStay VP Winslow Large Cap Growth
AB VPS Relative Value Portfolio
American Funds IS Growth Fund
American Funds IS Washington Mutual Investors FundSM
|
BNY Mellon Sustainable U.S. Equity Portfolio
ClearBridge Variable Appreciation Portfolio
DWS Alternative Asset Allocation VIP
Fidelity® VIP ContrafundSM Portfolio
Fidelity® VIP Equity-Income PortfolioSM
Fidelity® VIP Growth Opportunities Portfolio
MFS® Investors Trust Series
MFS® Research Series
Voya Growth and Income Portfolio
|
|
Category C:
|
||
Minimum Allocation
|
0
%
|
|
Maximum Allocation
|
25
%
|
|
Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)
|
||
MainStay VP Small Cap Growth
MainStay VP Wellington Mid Cap
MainStay VP Wellington Small Cap
Columbia Variable Portfolio - Small Cap Value
Fidelity® VIP Extended Market Index Portfolio
Fidelity® VIP Mid Cap Portfolio
|
Invesco V.I. Main Street Small Cap Fund®
Janus Henderson Enterprise Portfolio
Macquarie VIP Small Cap Value Series
MFS® Mid Cap Value Portfolio
Neuberger Berman AMT Mid Cap Growth Portfolio
|
|
Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)
|
||
MainStay VP PineStone International Equity
American Funds IS Global Small Capitalization Fund
American Funds IS New World Fund®
Fidelity® VIP Emerging Markets Portfolio
Fidelity® VIP International Index Portfolio
|
Invesco V.I. EQV International Equity Fund
Janus Henderson Global Research Portfolio
MFS® International Intrinsic Value Portfolio
MFS® Research International Portfolio
Putnam VT International Value Fund
|
|
Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)
|
||
MainStay VP CBRE Global Infrastructure
MainStay VP Fidelity Institutional AM® Utilities
MainStay VP Natural Resources
BNY Mellon IP Technology Growth Portfolio
|
Fidelity® VIP Health Care Portfolio
Morgan Stanley VIF U.S. Real Estate Portfolio
Principal VC Real Estate Securities Account
|
Category D:
|
||
Minimum Allocation
|
100
%
|
|
Category D Asset Allocation Funds
|
||
MainStay VP Balanced
MainStay VP Conservative Allocation
MainStay VP Income Builder
MainStay VP Janus Henderson Balanced
MainStay VP Moderate Allocation
American Funds IS Asset Allocation Fund
BlackRock® Global Allocation V.I. Fund
Fidelity® VIP FundsManager® 60% Portfolio
Franklin Templeton Moderately Aggressive Model Portfolio
Franklin Templeton Moderate Model Portfolio
Franklin Templeton Moderately Conservative Model Portfolio
Franklin Templeton Conservative Model Portfolio
|