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    New York Life Insurance and Annuity Corporation


    Secure Term Choice II (6-Year)


    A MYGA with a 6-year fixed rate and a 6-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A++   Fitch:  AAA   Moody's:  Aaa   Standard & Poor's:  AA+  

    Rates
    The interest rate is guaranteed for 6 years
    Surrender charges last 6 years
    Last Rate Change: xx/xx/xxxx
    Next Rate Change: xx/xx/xxxx
      Current Rates
    xx/xx/xxxx
    Next Rates
    xx/xx/xxxx
      RateBonus Yield to
    Surrender
    RateBonus Yield to
    Surrender
    Band 5,000+   ****   *****   *****   ****   *****   ***** 
    Band 25,000+   ****   *****   *****   ****   *****   ***** 
    Band 50,000+   ****   *****   *****   ****   *****   ***** 
    Band 100,000+   ****   *****   *****   ****   *****   ***** 

    State Specified Minimum Interest Rates
    NY ****
    AK AL AR AZ CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK PA RI SC SD TN TX UT VA VT WA WI WV WY ****

    Premium Bonus
    - none -

    Policy Notes

    The @annuityName@ is a multi-year guaranteed fixed deferred annuity --[ subscription required to view full text ]--
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    @*****************@

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    ** *** *** ** *** ******* ******** **** ********* ******, **** ****** **** ******* * ******* **** **** ****** ****. *** ******* **** ** ********** **** **** ** *** ************ ***** ** **** ******'* ***********. ** *** ***** *** **** ******** **** ********* **** ** **** ************ ***** *********, *** ****** ******** **** **** ************* ** ********* ** **** ******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    Commissions
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Related Information

    Other New York Life Insurance and Annuity Corporation Products

    MYGA
    Clear Income Advantage Fixed Annuity - FP MVA
    Secure Term Choice (8-Year)
    Secure Term Choice II (3-Year)
    Secure Term Choice II (4-Year)
    Secure Term Choice II (5-Year)
    Secure Term Choice II (7-Year)
    Secure Term MVA (8-Year)
    Secure Term MVA II (3-Year)
    Secure Term MVA II (4-Year)
    Secure Term MVA II (5-Year)
    Secure Term MVA II (6-Year)
    Secure Term MVA II (7-Year)
    Secure Term V (3-Year)
    Secure Term V (4-Year)
    Secure Term V (5-Year)
    Secure Term V (6-Year)
    Secure Term V (7-Year)
    SPIA
    Guaranteed Future Income Annuity II
    Guaranteed Lifetime Income Annuity II
    Variable Annuity
    NYL Premier VA FP Series (B Shares)
    RILA
    New York Life IndexFlex Variable Annuity - FP 5
    New York Life IndexFlex Variable Annuity - FP 6
    New York Life IndexFlex Variable Annuity - FP 7

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