New York Life Premium Plus Variable Annuity Performance Summary As of August 31, 2018 For policies purchased before June 2, 2003

Size: px
Start display at page:

Download "New York Life Premium Plus Variable Annuity Performance Summary As of August 31, 2018 For policies purchased before June 2, 2003"

Transcription

1 As of August 31, 2018 For policies purchased before June 2, 2003 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call Investors are asked to consider the investment objectives, risks, charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying Investment Options. Please read the prospectuses carefully before investing. 1 Performance for the classes/shares in this performance summary do not impose a 12b-1 fee (except for Fidelity VIP Mid Cap Service Class 2, Victory VIF Diversified Stock Class A Shares, Neuberger Berman AMT Mid-Cap Growth Portfolio Class S, Columbia Variable Portfolio Small Cap Value Fund Class 2, MainStay VP Floating Rate Service Class, MainStay VP Balanced Service Class, MainStay Conservative Allocation Service Class, MainStay VP Growth Allocation Service Class, MainStay VP Moderate Allocation Service Class, MainStay VP Moderate Growth Allocation Service Class, MainStay VP Unconstrained Bond Service Class, BlackRock Global Allocation Fund V.I. Class III Shares, MainStay VP MFS Utilities Service Class, MainStay VP PIMCO Real Return Service Class, MainStay VP Absolute Retrun Multi-Strategy -Service Class, Invesco V.I. American Value Fund - Series II, Morgan Stanley VIF U.S. Real Estate - Class II, American Funds IS New World Fund - Class 4, BlackRock High Yield V.I. Fund Class III Shares, Fidelity VIP Growth Opportunities Service Class 2, Invesco V.I. International Growth Fund - Series II, PIMCO VIT Foreign Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class, PIMCO VIT Total Return Portfolio - Advisor Class, American Funds IS Global Small Cap Fund Class 4, Columbia Variable Portfolio Commodity Strategy Fund Class 2, Columbia Variable Portfolio Emerging Markets Bond Fund Class 2, MainStay VP Cushing Renaissance Advantage Service Class, Deutsche Alternative Asset Allocation VIP - Class B, MainStay VP Small Cap Core - Service Class, PIMCO VIT Low Duration Portfolio - Advisor Class, ClearBridge Variable Appreciation Portfolio Class II, MFS International Value Portfolio Service Class, MainStay VP Indexed Bond Service Class, American Funds IS Growth Fund - Class 4, Delaware VIP Small Cap Value - Service Class, Janus Henderson VIT Enterprise Portfolio - Service Shares, American Funds IS Blue Chip Income and Growth Fund - Class 4, Fidelity Emerging Markets - Service Class 2, American Funds IS Asset Allocation Fund - Class 4) and may be higher than the returns for those classes/shares that do impose a 12b -1 fee. Contact your NYLIFE Securities LLC Registered Representative or call for more information. Investment Division Inception Date is the date in which the Investment Division is first offeredin the product. Portfolio Inception Date is the date that the Portfolio in which the Investment Division invests was first o ffered. 2 Assumes no deduction for contingent deferred sales charge. 3 Volatility/Risk Levels are assigned by New York Life. The Investment Divisions are grouped by risk classifications that reflect performance volatility based on Morningstar classifications as of December 31, Morningstar is a widely used independent research firm, which ranks mutual funds and other investment companies byoverall performance, investment objectives and assets. While there is no standard definition, generally alternative funds include nontraditional asset classes or strategies and/or illiquid assets. Alternative investments are speculative, can carry substantial risk, and may not be appropriate for all investors. For those investors who are able to bear greater risk in return for the opportunity they provide, alternative investments may be appropriate. 4 Certain Portfolios existed prior to the date that they were added as Investment Divisions of the Separate Account. The performance for the MainStay VP Funds Trust. Service class portfolios are based on the Initial Class Portfolio (where applicable). The performance for all other Investment Divisions is based on the Portfolio Inception Date reflected in the performance summary. The hypothetical performance of the Investment Divisions was derived from the performance of the corresponding Portfolio, modified to reflect Separate Account and Fund annual expenses as if the policy had been available during the periods shown. 5 The S&P 500 Index is an unmanaged index and is widely regarded as the standard for measuring Large-Cap U.S. stock market performance. "S&P 500" is a trademark of the McGraw-Hill Companies, Inc. and has been licensed for use by the MainStay VP MacKay S&P 500 Index Portfolio. The MainStay VP MacKay S&P 500 Index Portfolio is not sponsored, endorsed, sold or promoted by Stan dard & Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the MainStay VP MacKay S&P 500 Index Portfolio. Investors cannot invest directly in an Index. 6 New allocations to the MainStay VP Eagle Small Cap Growth Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth Initial Class on February 17, For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. 7 New allocations to the MainStay VP Janus Henderson Balanced Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Janus Henderson Balanced Initial Class on February 17, For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Janus Henderson Balanced Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. The MainStay VP J anus Henderson Balanced Service Class imposes a 12b-1 fee. 8 An Investment in the MainStay VP U.S. Government Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency and there can be no assurance that the Portfolio will be able to maintain a stable net asset value. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The current yield more closely reflects the Portfolio's earnings than the total return figures shown. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial suppor t to the fund at any time. 9 New allocations to the MainStay VP MacKay Growth, MainStay VP Emerging Markets Equity, MainStay VP T. Rowe Price Equity Income and Victory VIF Diversified Stock Investment Divisions will not be accepted from Policyowners who were not invested in the Investment Divisions on November 13, For existing Policyowners, if you remove all of your Accumulation Value from these Investment Divisions on or after November 13, 2017, you will not be able to reinvest in these Investment Divisions. The Service Class versions of these Investment Divisions impose a 12b-1 fee. 10 New allocations to the MainStay VP Absolute Return Multi-Strategy Investment Division will not be accepted from Policyowners who were not invested in the Investment Division on May 1, For existing Policyowners, if you remove all of your Accumulatio n Value from this Investment Division on or after May 1, 2018, you will not be able to reinvest in this Investment Division. Performance information less than 1 year has not been annualized. Historically, certain fees have been assumed or reduced by some of the portfolios. Had these expenses not be assumed or redu ced, the total return for those Investment Divisions would have been lower. The New York Life Premium Plus Variable Annuity is a flexible premium deferred annuity issued by NYLIAC. Under this policy, we will apply a credit to premiums paid in a percentage amount according to the credit rate schedule then in effect. Policies with a premium Credit may have higher fees and expenses, and may have longer surrender charge periods than policies that do not prov ide the Credit feature. There may be circumstances in which the purchase of a New York Life Premium Plus Variable Annuity is less advantageous than the purchase of another New York Life variable annuity which may have lower fees but no credit. This may b e the case, for example, if you intended to make fewer and smaller payments into the contract, or if you anticipate retaining the contract for a significant time beyond the surrender charge period. Sales of the New York Life Premium Plus Variable Annuity were discontinued. Current policy owners may continue to make premi ums payments, subject to their contract provisions. Existing policies will continue to be serviced. New York Life Variable Annuities are long-term retirement products issued by New York Life Insurance and Annuity Corporation ("NYLIAC "), a Delaware Corporation, and offered by NYLIFE Securities LLC, Member FINRA/SIPC. Both NYLIAC and NYLIFE Securities LLC are wholly-owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York There are fees, guidelines, risks, restrictions and limitations to consider when purchasing variable annuities. For costs and complete details, contact a financial professional. SMRU Page 1 of 5

2 Average Annual Total Return as of August 31, 2018 (Updated Monthly) Non-Standardized (Assuming No Surrender) 2 Standardized (Assuming Surrender) Investment Year to Since Since Portfolio Division Month to Date* Investment Investment Volatility/ Inception Inception Date* (Updated Division Division Investment Divisions 1 Risk Level 3 Date Date 1 Monthly) Year 4 Year 4 Year 4 Year 4 Inception Year 4 Year 4 Year 4 Year 4 Inception Equity MainStay VP MacKay Common Stock - Initial Class High 1/23/ /15/ % 9.20% 19.57% 13.63% 12.77% 8.65% 3.88% 11.57% 11.52% 12.01% 8.65% 3.88% MainStay VP MacKay Growth - Initial Class 9 High 1/29/1993 1/29/ % 16.08% 27.79% 14.55% 12.17% 7.97% 1.48% 19.79% 12.49% 11.40% 7.97% 1.48% MainStay VP Cushing Renaissance Advantage Service Class Highest 5/1/2015 5/1/ % -3.67% 16.82% 3.74% N/A N/A -1.26% 8.82% 1.20% N/A N/A -3.38% MainStay VP Emerging Markets Equity - Initial Class 9 Highest 2/17/2012 2/17/ % % -6.47% 7.94% -0.12% N/A -2.14% % 5.60% -1.34% N/A -2.75% MainStay VP Eagle Small Cap Growth - Initial Class 6 High 2/17/2012 2/17/ % 16.09% 26.63% 14.33% 10.54% N/A 10.30% 18.63% 12.25% 9.73% N/A 9.94% MainStay VP Eagle Small Cap Growth Service Class High 2/17/2012 2/17/ % 15.90% 26.32% 14.05% 10.27% N/A 10.02% 18.32% 11.96% 9.44% N/A 9.66% MainStay VP Growth Allocation - Service Class High 2/13/2006 2/13/ % 2.15% 10.48% 9.05% 7.55% 5.86% 4.84% 2.48% 6.76% 6.63% 5.86% 4.84% MainStay VP MacKay International Equity - Initial Class High 5/1/1995 5/1/ % 4.58% 12.73% 10.64% 6.61% 3.80% 3.78% 4.73% 8.42% 5.67% 3.80% 3.78% MainStay VP Large Cap Growth - Initial Class High 5/1/1998 6/1/ % 20.23% 26.68% 16.08% 14.98% 10.13% 3.19% 18.68% 14.07% 14.29% 10.13% 3.19% MainStay VP MacKay Mid Cap Core - Initial Class High 7/2/2001 7/6/ % 6.45% 16.25% 10.56% 11.10% 8.80% 8.08% 8.25% 8.33% 10.30% 8.80% 8.08% MainStay VP MacKay S&P 500 Index - Initial Class 5 High 1/29/1993 1/29/ % 8.64% 17.56% 13.97% 12.40% 8.83% 4.08% 9.56% 11.88% 11.64% 8.83% 4.08% MainStay VP MacKay Small Cap Core - Service Class High 5/2/2016 5/2/ % 10.80% 21.44% N/A N/A N/A 17.57% 13.44% N/A N/A N/A 14.76% MainStay VP Epoch U.S. Small Cap - Initial Class High 5/1/1998 6/1/ % 3.86% 15.74% 9.52% 8.88% 7.83% 4.82% 7.74% 7.25% 8.01% 7.83% 4.82% MainStay VP VanEck VIP Global Hard Assets - Initial Class Highest 2/17/2012 2/17/ % % 3.19% 0.50% -6.89% -4.49% -6.68% -4.81% -2.22% -8.04% -4.49% -7.26% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 5/1/ % 6.07% 13.83% 7.68% 7.72% 5.36% 5.83% 5.83% 5.33% 6.82% 5.36% 3.95% American Funds IS Growth Fund - Class 4 High 12/14/ /13/ % 14.43% 22.23% 17.04% 14.54% 9.36% 16.84% 14.23% 15.06% 13.84% 9.36% 8.84% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/ % -6.13% -0.73% 7.86% 3.43% 2.73% 1.64% -8.68% 5.52% 3.43% 2.73% 1.64% ClearBridge Variable Appreciation Portfolio Class II High 2/27/2015 5/1/ % 7.55% 15.43% 12.34% 10.72% 8.04% 13.88% 7.43% 10.19% 9.91% 8.04% 8.09% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 4/30/2013 5/1/ % -6.35% -2.45% -3.49% % N/A -7.15% % -6.13% % N/A -9.15% Columbia Variable Portfolio - Small Cap Value Fund Class 2 High 6/1/ /15/ % 5.44% 16.82% 14.32% 10.37% 7.78% 7.11% 8.82% 12.24% 9.55% 7.78% 7.11% Delaware VIP Small Cap Value - Service Class High 5/1/ /13/ % 4.11% 15.16% 13.17% 10.15% 8.64% 8.18% 7.16% 11.05% 9.32% 8.64% 0.18% Dreyfus IP Technology Growth - Initial Shares High 8/31/1999 7/6/ % 19.50% 29.00% 21.95% 17.73% 12.94% 6.75% 21.00% 20.13% 17.10% 12.94% 6.75% Fidelity VIP Contrafund - Initial Class High 1/3/ /1/ % 9.66% 16.22% 12.64% 11.65% 8.46% 6.12% 8.22% 10.49% 10.86% 8.46% 6.12% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/ /01/ % -9.28% -1.20% 10.22% 5.35% 1.53% -7.30% -9.10% 7.98% 4.36% 1.53% % Fidelity VIP Growth Opportunities Service Class 2 High 1/12/2000 5/1/ % 24.94% 32.69% 19.08% 15.88% 11.28% 15.89% 24.69% 17.17% 15.21% 11.28% 15.03% Fidelity VIP Mid Cap - Service Class 2 High 1/12/2000 9/8/ % 5.57% 16.30% 10.70% 10.03% 7.73% 9.39% 8.30% 8.48% 9.20% 7.73% 9.39% Invesco V.I. American Value Fund - Series II High 5/5/2003 5/1/ % 7.79% 18.87% 7.16% 7.35% 7.40% 7.79% 10.87% 4.79% 6.43% 7.40% 7.11% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/ % -6.15% -1.52% 4.07% 3.21% 2.94% 0.60% -9.40% 1.55% 2.13% 2.94% -0.79% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/ /13/ % 14.30% 23.07% 17.01% 14.99% 10.48% 16.54% 15.07% 15.03% 14.29% 10.48% 8.54% Janus Henderson VIT Global Research Portfolio - Institutional Shares High 9/13/ /1/ % 6.03% 13.25% 9.44% 9.12% 6.15% 0.63% 5.25% 7.17% 8.26% 6.15% 0.63% MFS International Value Portfolio Service Class High 8/24/2001 5/1/ % 1.00% 7.80% 9.78% 8.35% 6.57% 10.63% -0.20% 7.52% 7.47% 6.57% 4.79% MFS Research Series - Initial Class High 7/26/1995 5/1/ % 9.41% 17.09% 13.15% 11.57% 8.76% 3.38% 9.09% 11.03% 10.79% 8.76% 3.38% Neuberger Berman AMT Mid-Cap Growth - Class S High 2/18/2003 6/2/ % 13.79% 24.08% 10.61% 11.14% 8.56% 8.95% 16.08% 8.38% 10.34% 8.56% 8.95% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/5/2002 5/1/ % 3.34% 7.85% 6.06% 7.51% 4.90% 4.36% -0.15% 3.64% 6.60% 4.90% 3.56% Victory VIF Diversified Stock - Class A Shares 9 High 7/1/1999 5/1/ % 2.41% 15.96% 8.95% 8.52% 5.46% 5.86% 7.96% 6.65% 7.64% 5.46% 5.86% Equity and Income MainStay VP Balanced - Service Class Moderate 5/1/2005 5/1/ % 1.67% 6.10% 5.87% 6.15% 5.90% 4.82% -1.90% 3.44% 5.18% 5.90% 4.82% MainStay VP MacKay Convertible - Initial Class Moderate 10/1/ /1/ % 8.96% 13.17% 9.30% 8.23% 7.14% 4.57% 5.17% 7.02% 7.34% 7.14% 4.57% MainStay VP Epoch U.S. Equity Yield Service Class High 5/1/1998 6/1/ % 1.46% 8.34% 7.15% 6.67% 6.40% 4.16% 0.34% 4.77% 5.72% 6.40% 4.16% MainStay VP Income Builder - Initial Class Moderate 1/29/1993 1/29/ % -1.35% 1.90% 5.34% 5.22% 5.64% 2.22% -6.10% 2.88% 4.22% 5.64% 2.22% MainStay VP Janus Henderson Balanced - Initial Class 7 Moderate 2/17/2012 2/17/ % 6.94% 13.76% 9.42% 8.26% N/A 8.19% 5.76% 7.14% 7.37% N/A 7.80% MainStay VP Absolute Return Multi-Strategy - Service Class 10 Moderate 5/1/2013 5/1/ % -6.68% -7.77% -4.64% -5.79% N/A -4.68% % -7.25% -6.94% N/A -5.59% MainStay VP MFS Utilities - Service Class High 2/17/2012 2/17/ % 3.56% 2.23% 5.14% 5.11% 5.23% 6.43% -5.77% 2.67% 4.11% 5.23% 5.99% MainStay VP Moderate Allocation - Service Class Moderate 2/13/2006 2/13/ % 0.55% 5.15% 5.73% 5.03% 5.01% 4.37% -2.85% 3.29% 4.02% 5.01% 4.37% MainStay VP Moderate Growth Allocation - Service Class High 2/13/2006 2/13/ % 1.67% 8.25% 7.60% 6.47% 5.70% 4.87% 0.25% 5.25% 5.52% 5.70% 4.87% MainStay VP T. Rowe Price Equity Income - Initial Class 9 High 3/31/1994 5/1/ % 2.69% 11.66% 11.52% 8.35% 6.83% 9.62% 3.66% 9.33% 7.46% 6.83% 9.25% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/ /01/ % 2.72% 6.45% 9.03% 7.35% 6.37% 3.98% -1.55% 6.74% 6.43% 6.37% -4.02% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/ /13/ % 2.78% 13.67% 11.91% 10.86% 7.81% 8.87% 5.67% 9.74% 10.05% 7.81% 0.87% BlackRock Global Allocation V.I. Fund - Class III Shares Moderate 11/18/2003 5/1/ % -0.70% 1.88% 4.10% 3.59% 3.46% 2.59% -6.12% 1.58% 2.53% 3.46% 2.24% DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/ % -4.75% -3.48% 0.34% -0.09% N/A 0.25% % -2.38% -1.32% N/A -3.26% Fidelity VIP Equity-Income - Initial Class High 10/9/ /1/ % 2.57% 9.96% 9.93% 7.98% 6.59% 4.48% 1.96% 7.67% 7.08% 6.59% 4.48% MFS Investors Trust Series - Initial Class High 10/9/1995 5/1/ % 6.50% 14.63% 11.87% 11.15% 8.01% 4.02% 6.63% 9.70% 10.35% 8.01% 4.02% Income MainStay VP Bond-Initial Class Moderate 1/23/ /15/ % -2.38% -2.84% 0.36% 1.02% 2.33% 3.12% % -2.37% -0.16% 2.33% 3.12% MainStay VP U.S. Government Money Market - Current yield is -1.58% 8 Low 1/29/1993 5/1/ % -0.26% -0.56% -1.17% -1.33% -1.42% -0.23% -8.52% -3.88% -2.55% -1.42% -0.23% MainStay VP Conservative Allocation - Service Class Moderate 2/13/2006 2/13/ % -0.43% 2.50% 3.90% 3.54% 4.34% 3.92% -5.50% 1.36% 2.48% 4.34% 3.92% MainStay VP Floating Rate-Service Class Moderate 5/1/2005 5/1/ % 1.72% 2.62% 2.49% 1.76% 2.25% 1.99% -5.38% -0.12% 0.61% 2.25% 1.99% MainStay VP MacKay Government - Initial Class Moderate 1/29/1993 1/29/ % -2.07% -3.01% -0.91% -0.03% 1.20% 2.30% % -3.63% -1.26% 1.20% 2.30% MainStay VP MacKay High Yield Corporate Bond - Initial Class Moderate 5/1/1995 5/1/ % 0.85% 2.07% 5.18% 3.97% 5.64% 5.59% -5.93% 2.71% 2.92% 5.64% 5.59% MainStay VP Indexed Bond Service Class Moderate 5/1/2017 5/1/ % -2.61% -3.49% N/A N/A N/A -1.80% % N/A N/A N/A -7.75% MainStay VP PIMCO Real Return - Service Class Moderate 2/17/2012 2/17/ % -1.48% -1.40% 0.29% -0.26% 1.24% -1.14% -9.29% -2.43% -1.49% 1.24% -1.76% MainStay VP MacKay Unconstrained Bond - Service Class Moderate 5/1/2011 5/1/ % -0.91% -0.39% 1.61% 1.25% N/A 1.91% -8.36% -1.04% 0.08% N/A 1.54% BlackRock High Yield V.I. Fund Class III Shares Moderate 2/15/2012 5/1/ % 0.75% 1.55% 3.81% 3.39% 5.62% 2.13% -6.45% 1.27% 2.32% 5.62% 0.81% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 4/30/2012 5/1/ % -7.69% -7.08% 3.14% 2.07% N/A 1.26% % 0.56% 0.94% N/A -0.83% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/ % 0.51% 0.61% 2.25% 2.98% 4.18% 2.52% -7.39% -0.37% 1.88% 4.18% 1.22% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/ % -1.40% -2.03% -0.90% -0.65% 0.92% -0.95% -9.87% -3.61% -1.87% 0.92% -4.43% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/ % -2.21% -3.08% 0.36% 0.83% 2.75% 0.41% % -2.36% -0.36% 2.75% -0.99% Please read the important disclosures regarding the product performance on the following page. Page 2 of 5

3 Performance data quoted is past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. For current to the most recent month-end performance information, please call or visit All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.60% and Fund Company Expenses. An Annual Policy Service Charge of $30 is not included, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $100,000. The performance shown, therefore, would be slightly lowe r if your policy's Accumulation Value is less than $100,000. Charges for any optional riders, if reflected, would reduce the performance shown. Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges. Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrender Charge for each premium payment is 8%, declining to 3% (or 2% for single premium policies) by the 8th year after that premium payment has been in the policy, with no surrender charge thereafter. Withdrawals and surrenders may be taxable transactions, and prior to 59½, may be subject to a 10% IRS penalty (the penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in a SIMPLE IRA plan). The Investment Divisions offered through the New York Life Premium Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the public. Investment results may differ. Page 3 of 5

4 Average Annual Total Return as of June 30, 2018 (Updated Quarterly) Non-Standardized (Assuming No Surrender) 2 Standardized (Assuming Surrender) Investment Since Since Portfolio Division Investment Investment Volatility/ Inception Inception Division Division Investment Divisions 1 Risk Level 3 Date Date 1 Year 4 Year 4 Year 4 Year 4 Inception Year 4 Year 4 Year 4 Year 4 Inception Equity MainStay VP MacKay Common Stock - Initial Class High 1/23/ /15/ % 9.34% 11.50% 7.88% 3.51% 6.17% 7.06% 10.71% 7.88% 3.51% MainStay VP MacKay Growth - Initial Class 9 High 1/29/1993 1/29/ % 9.72% 11.41% 6.75% 1.01% 14.62% 7.46% 10.62% 6.75% 1.01% MainStay VP Cushing Renaissance Advantage Service Class Highest 5/1/2015 5/1/ % -0.27% N/A N/A -2.11% 3.12% -3.01% N/A N/A -4.33% MainStay VP Emerging Markets Equity - Initial Class 9 Highest 2/17/2012 2/17/ % 2.95% 0.69% N/A -1.87% -2.70% 0.37% -0.51% N/A -2.49% MainStay VP Eagle Small Cap Growth - Initial Class 6 High 2/17/2012 2/17/ % 8.65% 9.60% N/A 9.20% 9.51% 6.35% 8.75% N/A 8.81% MainStay VP Eagle Small Cap Growth Service Class High 2/17/2012 2/17/ % 8.38% 9.32% N/A 8.93% 9.22% 6.06% 8.47% N/A 8.53% MainStay VP Growth Allocation - Service Class High 2/13/2006 2/13/ % 5.40% 7.36% 5.25% 4.62% 1.22% 2.94% 6.44% 5.25% 4.62% MainStay VP MacKay International Equity - Initial Class High 5/1/1995 5/1/ % 7.30% 6.77% 3.11% 3.65% 4.64% 4.93% 5.83% 3.11% 3.65% MainStay VP Large Cap Growth - Initial Class High 5/1/1998 6/1/ % 12.72% 14.47% 9.15% 2.87% 17.38% 10.58% 13.76% 9.15% 2.87% MainStay VP MacKay Mid Cap Core - Initial Class High 7/2/2001 7/6/ % 6.68% 10.51% 7.88% 7.84% 4.18% 4.28% 9.69% 7.88% 7.84% MainStay VP MacKay S&P 500 Index - Initial Class 5 High 1/29/1993 1/29/ % 9.86% 11.31% 8.15% 3.74% 4.34% 7.60% 10.52% 8.15% 3.74% MainStay VP MacKay Small Cap Core - Service Class High 5/2/2016 5/2/ % N/A N/A N/A 17.35% 9.44% N/A N/A N/A 14.23% MainStay VP Epoch U.S. Small Cap - Initial Class High 5/1/1998 6/1/ % 5.91% 8.33% 7.09% 4.59% -0.73% 3.47% 7.44% 7.09% 4.59% MainStay VP VanEck VIP Global Hard Assets - Initial Class Highest 2/17/2012 2/17/ % -2.94% -3.75% -5.73% -5.47% 7.60% -5.60% -4.94% -5.73% -6.07% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 5/1/ % 3.33% 8.10% 3.92% 5.33% 6.59% 0.77% 7.20% 3.92% 3.31% American Funds IS Growth Fund - Class 4 High 12/14/ /13/ % 13.80% 14.02% 8.20% 11.10% 12.28% 11.70% 13.30% 8.20% 3.10% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/ % 4.82% 3.95% 2.02% 2.03% -1.48% 2.33% 3.95% 2.02% 2.03% ClearBridge Variable Appreciation Portfolio Class II High 2/27/2015 5/1/ % 8.08% 9.42% 7.14% 9.03% 1.51% 5.74% 8.57% 7.14% 2.22% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 4/30/2013 5/1/ % -6.08% -8.71% N/A -6.17% -3.41% -8.65% -9.84% N/A -8.29% Columbia Variable Portfolio - Small Cap Value Fund Class 2 High 6/1/ /15/ % 10.87% 10.33% 8.43% 6.99% 5.15% 8.66% 9.51% 8.43% 6.99% Delaware VIP Small Cap Value - Service Class High 5/1/ /13/ % 9.17% 9.79% 8.89% 4.66% 0.63% 6.88% 8.95% 8.89% -3.34% Dreyfus IP Technology Growth - Initial Shares High 8/31/1999 7/6/ % 18.12% 17.62% 12.30% 6.46% 23.20% 16.17% 16.98% 12.30% 6.46% Fidelity VIP Contrafund - Initial Class High 1/3/ /1/ % 8.07% 10.74% 7.31% 5.77% 3.01% 5.74% 9.93% 7.31% 5.77% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/ /01/ % 6.22% 5.11% -0.04% -5.39% 0.49% 3.80% 4.11% -0.04% % Fidelity VIP Growth Opportunities Service Class 2 High 1/12/2000 5/1/ % 14.57% 15.46% 8.78% 14.46% 20.52% 12.50% 14.78% 8.78% 13.51% Fidelity VIP Mid Cap - Service Class 2 High 1/12/2000 9/8/ % 7.37% 10.16% 7.14% 9.25% 4.09% 5.00% 9.33% 7.14% 9.25% Invesco V.I. American Value Fund - Series II High 5/5/2003 5/1/ % 2.97% 7.07% 7.46% 7.37% 3.48% 0.39% 6.14% 7.46% 6.64% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/ % 1.05% 3.85% 2.24% 0.50% -8.30% -1.63% 2.80% 2.24% -0.95% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/ /13/ % 12.59% 14.07% 9.56% 8.53% 9.58% 10.45% 13.36% 9.56% 0.53% Janus Henderson VIT Global Research Portfolio - Institutional Shares High 9/13/ /1/ % 5.75% 8.76% 5.45% 0.40% 3.13% 3.31% 7.89% 5.45% 0.40% MFS International Value Portfolio Service Class High 8/24/2001 5/1/ % 7.77% 8.06% 5.67% 9.88% -1.15% 5.42% 7.16% 5.67% 3.08% MFS Research Series - Initial Class High 7/26/1995 5/1/ % 9.28% 10.63% 8.06% 3.06% 4.64% 7.00% 9.82% 8.06% 3.06% Neuberger Berman AMT Mid-Cap Growth - Class S High 2/18/2003 6/2/ % 6.56% 10.41% 7.47% 8.52% 9.06% 4.16% 9.59% 7.47% 8.52% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/5/2002 5/1/ % 4.21% 5.39% 5.15% 3.73% -5.46% 1.70% 4.40% 5.15% 2.88% Victory VIF Diversified Stock - Class A Shares 9 High 7/1/1999 5/1/ % 6.06% 8.03% 4.78% 5.46% 4.13% 3.63% 7.13% 4.78% 5.46% Equity and Income MainStay VP Balanced - Service Class Moderate 5/1/2005 5/1/ % 3.57% 5.66% 5.49% 4.65% -4.39% 1.02% 4.68% 5.49% 4.65% MainStay VP MacKay Convertible - Initial Class Moderate 10/1/ /1/ % 6.23% 8.18% 6.32% 4.36% 0.73% 3.81% 7.29% 6.32% 4.36% MainStay VP Epoch U.S. Equity Yield Service Class High 5/1/1998 6/1/ % 3.04% 6.27% 5.86% 3.94% -3.04% 0.47% 5.31% 5.86% 3.94% MainStay VP Income Builder - Initial Class Moderate 1/29/1993 1/29/ % 3.33% 4.99% 5.40% 2.11% -7.26% 0.77% 3.98% 5.40% 2.11% MainStay VP Janus Henderson Balanced - Initial Class 7 Moderate 2/17/2012 2/17/ % 6.77% 7.51% N/A 7.67% 2.88% 4.38% 6.59% N/A 7.24% MainStay VP Absolute Return Multi-Strategy - Service Class 10 Moderate 5/1/2013 5/1/ % -5.37% -5.14% N/A -4.55% % -7.96% -6.31% N/A -5.49% MainStay VP MFS Utilities - Service Class High 2/17/2012 2/17/ % 2.40% 4.80% 3.96% 6.27% -3.03% -0.21% 3.78% 3.96% 5.81% MainStay VP Moderate Allocation - Service Class Moderate 2/13/2006 2/13/ % 3.47% 4.88% 4.63% 4.24% -3.27% 0.92% 3.87% 4.63% 4.24% MainStay VP Moderate Growth Allocation - Service Class High 2/13/2006 2/13/ % 4.58% 6.30% 5.19% 4.68% -0.80% 2.08% 5.34% 5.19% 4.68% MainStay VP T. Rowe Price Equity Income - Initial Class 9 High 3/31/1994 5/1/ % 7.50% 7.77% 6.65% 9.21% -0.14% 5.14% 6.87% 6.65% 8.82% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/ /01/ % 6.88% 7.08% 5.78% 1.30% -1.47% 4.49% 6.15% 5.78% -6.70% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/ /13/ % 8.66% 10.64% 7.74% 5.22% 1.01% 6.35% 9.82% 7.74% -2.78% BlackRock Global Allocation V.I. Fund - Class III Shares Moderate 11/18/2003 5/1/ % 2.12% 3.48% 2.80% 2.40% -5.71% -0.50% 2.41% 2.80% 2.04% DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/ % -0.78% -0.22% N/A 0.28% -9.64% -3.50% -1.45% N/A -3.49% Fidelity VIP Equity-Income - Initial Class High 10/9/ /1/ % 5.63% 6.99% 5.87% 4.20% -3.78% 3.19% 6.06% 5.87% 4.20% MFS Investors Trust Series - Initial Class High 10/9/1995 5/1/ % 8.41% 10.34% 7.39% 3.72% 1.79% 6.10% 9.52% 7.39% 3.72% Income MainStay VP Bond-Initial Class Moderate 1/23/ /15/ % 0.24% 0.83% 2.33% 3.12% % -2.48% -0.36% 2.33% 3.12% MainStay VP U.S. Government Money Market - Current yield is -1.58% 8 Low 1/29/1993 5/1/ % -1.25% -1.38% -1.41% -0.23% -8.66% -3.96% -2.60% -1.41% -0.23% MainStay VP Conservative Allocation - Service Class Moderate 2/13/2006 2/13/ % 2.33% 3.43% 4.09% 3.84% -5.55% -0.28% 2.36% 4.09% 3.84% MainStay VP Floating Rate-Service Class Moderate 5/1/2005 5/1/ % 1.99% 1.73% 2.08% 1.95% -5.84% -0.64% 0.59% 2.08% 1.95% MainStay VP MacKay Government - Initial Class Moderate 1/29/1993 1/29/ % -0.85% -0.19% 1.29% 2.32% % -3.57% -1.42% 1.29% 2.32% MainStay VP MacKay High Yield Corporate Bond - Initial Class Moderate 5/1/1995 5/1/ % 3.98% 3.79% 5.39% 5.54% -6.60% 1.45% 2.73% 5.39% 5.54% MainStay VP Indexed Bond Service Class Moderate 5/1/2017 5/1/ % N/A N/A N/A -2.24% % N/A N/A N/A -8.99% MainStay VP PIMCO Real Return - Service Class Moderate 2/17/2012 2/17/ % -0.10% -0.47% 1.25% -1.15% -8.12% -2.84% -1.69% 1.25% -1.78% MainStay VP MacKay Unconstrained Bond - Service Class Moderate 5/1/2011 5/1/ % 0.78% 1.19% N/A 1.86% -8.61% -1.92% 0.02% N/A 1.48% BlackRock High Yield V.I. Fund Class III Shares Moderate 2/15/2012 5/1/ % 2.73% 3.36% 5.31% 1.86% -7.02% 0.14% 2.29% 5.31% 0.47% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 4/30/2012 5/1/ % 2.51% 1.50% N/A 1.66% % -0.09% 0.35% N/A -0.52% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/ % 2.52% 3.02% 4.36% 2.68% -6.15% -0.08% 1.93% 4.36% 1.33% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/ % -1.04% -0.70% 0.94% -0.95% -9.28% -3.76% -1.92% 0.94% -4.70% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/ % 0.28% 0.57% 2.80% 0.34% -9.71% -2.45% -0.63% 2.80% -1.12% Please read the important disclosures regarding the product performance on the following page. Page 4 of 5

5 Performance data quoted is past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be lower or higher than the figures shown. The investment return and the accumulation value of your policy will fluctuate so that a policy, when surrendered, may be worth more or less than the premium payments. For current to the most recent month-end performance information, please call or visit All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.60% and Fund Company Expenses. An Annual Policy Service Charge of $30 is not included, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $100,000. The performance shown, therefore, would be slightly lowe r if your policy's Accumulation Value is less than $100,000. Charges for any optional riders, if reflected, would reduce the performance shown. Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges. Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrender Charge for each premium payment is 8%, declining to 3% (or 2% for single premium policies) by the 8th year after that premium payment has been in the policy, with no surrender charge thereafter. Withdrawals and surrenders may be taxable transactions, and prior to 59½, may be subject to a 10% IRS penalty (the penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in a SIMPLE IRA plan). The Investment Divisions offered through the New York Life Premium Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the public. Investment results may differ. Page 5 of 5

New York Life Flexible Premium Variable Annuity Performance Summary

New York Life Flexible Premium Variable Annuity Performance Summary As of February 28, 2019 For policies investing in NYLIAC Variable Annuity Separate Account III purchased before June 2, 2003 To obtain a copy of the product and funds prospectuses, please contact your

More information

New York Life Premier Variable Annuity II Performance Summary

New York Life Premier Variable Annuity II Performance Summary Accumulation Value Based M&E Structure As of October 31, 2018 For Policies Applied for Before May 1, 2016 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC

More information

New York Life Flexible Premium Variable Annuity Performance Summary

New York Life Flexible Premium Variable Annuity Performance Summary As of February 28, 2019 For policies investing in NYLIAC Variable Annuity Separate Account III purchased June 2, 2003 onwards To obtain a copy of the product and funds prospectuses, please contact your

More information

New York Life Flexible Premium Variable Annuity Performance Summary

New York Life Flexible Premium Variable Annuity Performance Summary As of January 31, 2019 For policies investing in NYLIAC Variable Annuity Separate Account I To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered

More information

New York Life Income Plus Variable Annuity Performance Summary As of March 31, 2019

New York Life Income Plus Variable Annuity Performance Summary As of March 31, 2019 As of March 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Premier Plus Variable Annuity Performance Summary Premium Based M&E Charge Structure As of February 28, 2019

New York Life Premier Plus Variable Annuity Performance Summary Premium Based M&E Charge Structure As of February 28, 2019 As of February 28, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Flexible Premium Variable Annuity Performance Summary

New York Life Flexible Premium Variable Annuity Performance Summary As of March 31, 2019 For policies investing in NYLIAC Variable Annuity Separate Account II To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative

More information

New York Life Elite Variable Annuity Performance Summary As of January 31, 2019

New York Life Elite Variable Annuity Performance Summary As of January 31, 2019 As of January 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Premier Variable Annuity Performance Summary Accumulation Value Based M&E Structure As of December 31, 2018

New York Life Premier Variable Annuity Performance Summary Accumulation Value Based M&E Structure As of December 31, 2018 New York Life Premier Variable Annuity Performance Summary Accumulation Value Based M&E Structure As of December 31, 2018 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE

More information

New York Life Flexible Premium Variable Annuity II Performance Summary Premium Based M&E Charge Structure As of September 30, 2018

New York Life Flexible Premium Variable Annuity II Performance Summary Premium Based M&E Charge Structure As of September 30, 2018 As of September 30, 2018 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Complete Access Variable Annuity Performance Summary As of March 31, 2019

New York Life Complete Access Variable Annuity Performance Summary As of March 31, 2019 As of March 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Premier Variable Annuity II Performance Summary Premium Based M&E Charge Structure As of January 31, 2019

New York Life Premier Variable Annuity II Performance Summary Premium Based M&E Charge Structure As of January 31, 2019 As of January 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider

More information

New York Life Flexible Premium Variable Annuity II Performance Summary Accumulation Value Based M&E Structure As of March 31, 2019

New York Life Flexible Premium Variable Annuity II Performance Summary Accumulation Value Based M&E Structure As of March 31, 2019 Accumulation Value Based M&E Structure As of March 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019.

More information

New York Life Premier Plus Variable Annuity Performance Summary Accumulation Value Based M&E Structure As of September 30, 2018

New York Life Premier Plus Variable Annuity Performance Summary Accumulation Value Based M&E Structure As of September 30, 2018 Accumulation Value Based M&E Structure As of September 30, 2018 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019.

More information

Monthly Registered Fund Performance Summary As of February 28, 2019

Monthly Registered Fund Performance Summary As of February 28, 2019 Monthly Registered Performance Summary As of February 28, 2019 This report shows the actual investment performance of the s available with NYLIAC s retail variable universal life insurance products. These

More information

New York Life Variable Annuity

New York Life Variable Annuity New York Life Variable Annuity Product Prospectus May 1, 2018 Sign up for electronic delivery of your prospectus, annual and semi-annual reports. For full details on electronic delivery, including who

More information

Y0ur foresight. Our insight.

Y0ur foresight. Our insight. Y0ur foresight. Our insight. A guide to the investment options within New York Life Variable Annuities. Variable annuities are financial products that help you invest over the long term. There are limitations,

More information

Y0ur foresight. Our insight.

Y0ur foresight. Our insight. Y0ur foresight. Our insight. A guide to the investment options within New York Life Variable Annuities. Variable annuities are financial products that help you invest over the long term. There are limitations,

More information

New York Life Variable Annuity

New York Life Variable Annuity New York Life Variable Annuity Product Prospectus May 1, 2017 Sign up for electronic delivery of your prospectus, annual and semi-annual reports. For full details on electronic delivery, including who

More information

New York Life Insurance and Annuity Corporation

New York Life Insurance and Annuity Corporation New York Life Insurance and Annuity Corporation Annual Report December 31, 2011 Variable Annuities Investing in NYLIAC Variable Annuity Separate Account IV The Company You Keep Sign up for electronic delivery

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 Nationwide Destination Freedom + SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

RiverSource Retirement Advisor 4 Advantage variable annuity

RiverSource Retirement Advisor 4 Advantage variable annuity RiverSource Retirement Advisor 4 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018

More information

RiverSource RAVA 5 Advantage variable annuity

RiverSource RAVA 5 Advantage variable annuity RiverSource RAVA 5 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018 Current

More information

RiverSource RAVA 5 Select variable annuity

RiverSource RAVA 5 Select variable annuity RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2017 and quarter ending 12/31/2017 Current applicable

More information

Invest in your future

Invest in your future Investment choices performance report March 31, 2018 The Best of America America s VISION Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

RiverSource RAVA 5 Advantage variable annuity - New York

RiverSource RAVA 5 Advantage variable annuity - New York RiverSource RAVA 5 Advantage variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending 06/30/2018

More information

RiverSource RAVA 5 Select variable annuity

RiverSource RAVA 5 Select variable annuity RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2018 and quarter ending 12/31/2018 Current applicable

More information

RiverSource Retirement Advisor Advantage Plus variable annuity - New York

RiverSource Retirement Advisor Advantage Plus variable annuity - New York RiverSource Retirement Advisor Advantage Plus variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 The Best of America V Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report March 31, 2018 Nationwide Destination SM Architect 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Schwab Income Choice Variable Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

RiverSource Variable Universal Life 5 - New York

RiverSource Variable Universal Life 5 - New York RiverSource Variable Universal Life 5 - New York Issued by RiverSource Life Insurance Co. of New York Performance for Insurance for month ending 03/31/2019 and quarter ending 03/31/2019 Average annual

More information

RiverSource RAVA 5 Advantage variable annuity - New York

RiverSource RAVA 5 Advantage variable annuity - New York RiverSource RAVA 5 Advantage variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending 02/28/2018

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM L Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Future Corporate VUL SM Monthly Performance as of September 28, 2018

Future Corporate VUL SM Monthly Performance as of September 28, 2018 Future Corporate VUL SM Form: FCVUL-4 NWL (m) 9/28/18 Page 1 of 19 Understanding Risks The following items outline some of the risks with the investment choices. For specific risks related to each investment,

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 Nationwide Destination SM L 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018

Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018 Schwab OneSource Variable Annuity New York - 9000609-06 Investment Performance as of 2//208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past

More information

RiverSource RAVA 5 Advantage variable annuity

RiverSource RAVA 5 Advantage variable annuity RiverSource RAVA 5 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 04/30/2018 and quarter ending 03/31/2018 Current

More information

Invest in your future

Invest in your future Investment choices performance report June 30, 2018 Nationwide Marathon SM Performance VUL Invest in your future Answers to frequently asked questions. What you should know about purchasing variable life

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM All American Gold 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

Invest in your future

Invest in your future Investment choices performance report April 30, 2018 Nationwide Destination SM B Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report August 31, 2018 Nationwide Destination SM Navigator 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

RiverSource Variable Universal Life

RiverSource Variable Universal Life Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 06/30/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 Nationwide Destination SM B 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018

Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018 Schwab OneSource Choice - Return of Premium Death Benefit - 90008-0 Investment Performance as of /0/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents

More information

RiverSource Retirement Advisor Variable Annuity

RiverSource Retirement Advisor Variable Annuity RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 11/30/2017 and quarter ending 09/30/2017 Current

More information

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of October 31, 2017 Commonwealth Extra 15608 11/01/17 (expires 12/15/17) 2017 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to

More information

RetireReady SM Protection Plus variable life insurance issued by Genworth Life and Annuity Insurance Company

RetireReady SM Protection Plus variable life insurance issued by Genworth Life and Annuity Insurance Company as of December 31, 2018 RetireReady SM Protection Plus variable life insurance 17410 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The

More information

The Best of America America s Exclusive Annuity II

The Best of America America s Exclusive Annuity II 408(b) (2) Fee Disclosure Statement The Best of America America s Exclusive Annuity II The Department of Labor requires disclosure of fees, compensation and services provided to the plan to the responsible

More information

RiverSource Retirement Advisor Variable Annuity

RiverSource Retirement Advisor Variable Annuity RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 08/31/2018 and quarter ending 06/30/2018 Current

More information

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of March 31, 2019 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Extra 19337 04/01/19

More information

Invest in your future

Invest in your future Investment choices performance report June 30, 2018 Nationwide Destination SM EV Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

RiverSource Variable Universal Life - New York

RiverSource Variable Universal Life - New York RiverSource Variable Universal Life - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Insurance for month ending 11/30/2017 and quarter

More information

Copeland Variable Annuity

Copeland Variable Annuity 408(b) (2) Fee Disclosure Statement Copeland Variable Annuity The Department of Labor requires disclosure of fees, compensation and services provided to the plan to the responsible plan fiduciary. The

More information

RiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES)

RiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES) RiverSource Variable Universal Life IV Estate Series (ES) Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 08/31/2018 and quarter ending 06/30/2018

More information

Commonwealth Variable Annuity NY a variable annuity issued by Genworth Life Insurance Company of New York

Commonwealth Variable Annuity NY a variable annuity issued by Genworth Life Insurance Company of New York as of September 30, 2018 Commonwealth Variable Annuity NY 14608 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION The following information

More information

RiverSource Variable Second-to-Die Life Insurance

RiverSource Variable Second-to-Die Life Insurance RiverSource Variable Second-to-Die Life Insurance Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 07/31/2018 and quarter ending 06/30/2018 Average

More information

RiverSource Variable Universal Life III

RiverSource Variable Universal Life III Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 08/31/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred

More information

RetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company as of June 30, 2018 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Choice 17022 07/01/18

More information

RiverSource Variable Second-to-Die Life Insurance - New York

RiverSource Variable Second-to-Die Life Insurance - New York RiverSource Variable Second-to-Die Life Insurance - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Insurance for month ending 08/31/2018

More information

Invest in your future

Invest in your future Investment choices performance report July 31, 2015 The Best of America Achiever Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

Monthly Returns as of 12/31/18

Monthly Returns as of 12/31/18 Monthly Returns as of Dreyfus Variable Investment Fund Fund Life of Inception Fund YTD 1 Year 3 Year 5 Year 10 Year Since Calendar Year 2017 2016 Dreyfus Appreciation Portfolio # 12/29/00 4.06% 7.80% 7.80%

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Choice Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What is a variable

More information

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of May 31, 2018 Commonwealth Extra 15608 06/01/18 (expires 07/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to help

More information

Your retirement. The information you need when you need it.

Your retirement. The information you need when you need it. Nationwide Destination Freedom+ SM Investment choices The information you need when you need it. As you review the investment options available with Nationwide Destination Freedom+ SM, you ll want to be

More information

Commonwealth Variable Annuity Plus a variable annuity issued by Genworth Life and Annuity Insurance Company

Commonwealth Variable Annuity Plus a variable annuity issued by Genworth Life and Annuity Insurance Company as of August 31, 2018 Commonwealth Variable Annuity Plus (includes Mitchell contracts) 13761 09/01/18 (expires 10/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 NEA Valuebuilder Select SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Commonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company

Commonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company as of January 31, 2018 Commonwealth Variable Universal Life variable life insurance issued by 14609 02/01/18 (expires 03/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 6 IMPORTANT

More information

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company as of July 31, 2018 For contracts issued after May 1, 2003 and prior to December 18, 2006 RetireReady SM Extra 41578 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page

More information

Nationwide Destination SM Architect 2.0

Nationwide Destination SM Architect 2.0 404(a) (5) Fee Disclosure Statement Nationwide Destination SM Architect 2.0 Your retirement plan has selected Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company (Nationwide

More information

Investment Option Fund Expenses

Investment Option Fund Expenses Investment Option Fund s Fees and expenses are as of 5/31/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) Investment Options Share Class Investment Management Fee

More information

Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:

Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Great-West Loomis Sayles Bond Fund will be renamed to the Great-West Multi-Sector

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 The Best of America ElitePRO Classic SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Life Insurance Company The performance data quoted represents past performance and does not guarantee future results. Current performance may be

More information

Investment choices performance report. June 30, The Best of America America s FUTURE Annuity II. Look to your future

Investment choices performance report. June 30, The Best of America America s FUTURE Annuity II. Look to your future Investment choices performance report June 30, 2014 The Best of America America s FUTURE Annuity II Look to your future When you have questions we have answers. Nationwide wants you to look to your future.

More information

Investment choices performance report. August 31, The Best of America Achiever Annuity. Look to your future

Investment choices performance report. August 31, The Best of America Achiever Annuity. Look to your future Investment choices performance report August 31, 2014 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When

More information

Investor guide. Questionnaire, models and worksheet. Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II

Investor guide. Questionnaire, models and worksheet. Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II Principal Variable Universal Life BusinessSM Principal Benefit Variable Universal Life II Investor guide Questionnaire, models and worksheet BB11305-07 Get death benefit protection and a tax-deferred

More information

S-6611 CD (4/18) S-6325 CD (4/18) S-6612 CD (4/18) S-6325 CD (4/18)

S-6611 CD (4/18) S-6325 CD (4/18) S-6612 CD (4/18) S-6325 CD (4/18) Supplement dated April 30, 2018 to the Prospectuses and Statements of Additional Information (SAIs) dated April 30, 2018 Prospectus Form #/Date SAI Form #/Date Product Name RiverSource RAVA 5 Advantage

More information

SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS. Post-effective amendments [Rule 485(b)]

SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS. Post-effective amendments [Rule 485(b)] SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS Post-effective amendments [Rule 485(b)] Filing Date: 2013-04-15 SEC Accession No. 0001193125-13-155171 (HTML Version on secdatabase.com) FILER NYLIAC VARIABLE

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Marquis s Brighthouse Separate Account Eleven for Variable Annuities Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance

More information

Personal Income Design One NY a variable annuity issued by Genworth Life Insurance Company of New York

Personal Income Design One NY a variable annuity issued by Genworth Life Insurance Company of New York as of September 30, 2018 For contracts with a 7-year surrender charge option Personal Income Design One NY 49815NY 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1

More information

ForeInvestors Choice Variable Annuity B-Share Sub-Account Performance Summary as of July 31, 2018

ForeInvestors Choice Variable Annuity B-Share Sub-Account Performance Summary as of July 31, 2018 PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS Performance results include reinvestment of all distributions at net value The investment return and principal

More information

Investment choices performance report. January 31, The Best of America Achiever Annuity. Look to your future

Investment choices performance report. January 31, The Best of America Achiever Annuity. Look to your future Investment choices performance report January 31, 2010 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When

More information

Investment choices performance report. January 31, The Best of America Future Venue Annuity. Look to your future

Investment choices performance report. January 31, The Best of America Future Venue Annuity. Look to your future Investment choices performance report January 31, 2010 The Best of America Future Venue Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future.

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance may be

More information

Investment Option Fund Expenses

Investment Option Fund Expenses Option Fund s s and expenses are as of 9/30/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) s AB VPS Dynamic Asset Allocation Portfolio 6 B 0.70% 0.25% 0.13% 1.08%

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Investment Architect SM - Standard Version Brighthouse Life Insurance Company The performance data quoted represents past performance and does

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Separate Account Eleven for Variable Annuities Variable Investment Option Performance Update Brighthouse Life Insurance Company The performance data quoted represents past performance and does

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Investment Architect SM - C Share Option Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance and does not

More information

Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities

Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities INVESTMENT CHOICES Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution

More information

The Best of America All American Annuity

The Best of America All American Annuity 408(b) (2) Fee Disclosure Statement The Best of America All American Annuity The Department of Labor requires disclosure of fees, compensation and services provided to the plan to the responsible plan

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Investment Architect SM - Standard Version Brighthouse Life Insurance Company The performance data quoted represents past performance and does

More information

Investment choices performance report. January 31, The Best of America Next Generation FPVUL. Look to your future

Investment choices performance report. January 31, The Best of America Next Generation FPVUL. Look to your future Investment choices performance report January 31, 2010 The Best of America Next Generation FPVUL Look to your future When you have questions we have answers. Nationwide wants you to look to your future

More information

RetireReady SM Freedom a variable annuity issued by Genworth Life and Annuity Insurance Company

RetireReady SM Freedom a variable annuity issued by Genworth Life and Annuity Insurance Company as of July 31, 2018 For contracts issued on or after May 1, 2003 RetireReady SM Freedom 19804 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 11 IMPORTANT INFORMATION

More information

Investment choices performance report. April 30, M&T Variable Annuity. Look to your future

Investment choices performance report. April 30, M&T Variable Annuity. Look to your future Investment choices performance report April 30, 2010 M&T Variable Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When you invest in an

More information

SENTINEL ADVANTAGE VARIABLE ANNUITY 5 NON-STANDARDIZED ADJUSTED HISTORIC AVERAGE ANNUAL RETURNS BEFORE SURRENDER CHARGE

SENTINEL ADVANTAGE VARIABLE ANNUITY 5 NON-STANDARDIZED ADJUSTED HISTORIC AVERAGE ANNUAL RETURNS BEFORE SURRENDER CHARGE Page of 7 SENTINEL ADVANTAGE VARIABLE ANNUITY NON-STANDARDIZED ADJUSTED HISTORIC AVERAGE ANNUAL RETURNS BEFORE SURRENDER CHARGE Average annual returns as February 8, 09 SAVA is a Variable Annuity Contract

More information

MetLife Investment Portfolio Architect SM - C Share Option Performance Summary as of 10/31/18

MetLife Investment Portfolio Architect SM - C Share Option Performance Summary as of 10/31/18 Metropolitan Life Insurance Company MetLife Investment Architect SM - C Share Option Performance Summary as of 10/31/18 The performance data quoted represents past performance and does not guarantee future

More information

AMERITAS ADVISOR SERVICES. No-Load Variable Annuity (4080) May 2010 PROSPECTUS

AMERITAS ADVISOR SERVICES. No-Load Variable Annuity (4080) May 2010 PROSPECTUS AMERITAS ADVISOR SERVICES PROSPECTUS No-Load Variable Annuity (4080) May 2010 PF 145 5/10 Ameritas Advisor Services is a division of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. ("Ameritas

More information

Your investment. Your choice.

Your investment. Your choice. ONCORE VARIABLE ANNUITIES Your investment. Your choice. This material is for general use with the public and is not intended to provide investment advice for any individual. NOT A DEPOSIT NOT FDIC INSURED

More information

Ameritas Advisor Services Ameritas Advisor No-Load VA Prospectus May 1, 2017

Ameritas Advisor Services Ameritas Advisor No-Load VA Prospectus May 1, 2017 Ameritas Advisor Services Ameritas Advisor No-Load VA Prospectus May 1, 2017 Ameritas Life Insurance Corp. PF 679 5-17 Ameritas Life Insurance Corp. ("Ameritas Life") Ameritas Life Insurance Corp. Separate

More information