New York Life Variable Annuity Performance Summary As …

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New York Life Variable Annuity Performance Summary As of September 30, 2021

For policies purchased before June 3, 2003

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 the investment objectives, risks, charges and expenses of the investment carefully before investing. Both 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 initial classes/shares in this performance summary do not impose a 12b-1 fee 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 1-800-598-2019 for more information. Investment Division Inception Date is the date in which the Investment Division is first offered in the product. Portfolio Inception Date is the date that the Portfolio in which the Investment Division invests was first offered. 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, 2020. Morningstar is a widely used independent research firm, which ranks mutual funds and other investment companies by overall performance, investment objectvi es 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 inves tors. For those investors who are able to bear greater risk in return for the opportunity they provide, alternative investments may beappropriate. 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 is 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 Standard & 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 Small Cap Growth ? Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Small Cap Growth ? Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP 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, 2012. 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 Janus 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 t here 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 legalobligation 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 Wellington Growth, MainStay VP Candriam Emerging Markets Equity and MainStay VP T. Rowe Price Equity Income Investment Divisions will not be accepted from Policyowners who were not invested in the Investment Divisions on November 13, 2017. For existing Policyowners, if you remove all of your Accumulation Value from theseInvestment 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 Columbia Variable Portfolio - Commodity Strategy Investment Division will not be accepted from Policyowners who were not invested in the Investment Division on November 23, 2020. For existing Policyowners, if you remove all of your Accumulation Value from this Investment Division on or after November 23, 2020, 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 reduced, the total return for those Investment Divisions would have been lower. Sales of the New York Life Variable Annuity were discontinued. Current policy owners may continue to make additional premiumpayments, 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) a Licensed Insurance Agency. Both NYLIAC and NYLIFE Securities LLC are wholly-owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York 10010. There are fees, guidelines, risks, restrictions and limitations to consider when purchasing variable annuities. For costs and complete details, contact a financial professional. SMRU 1567694

Page 1 of 5

New York Life Variable Annuity Performance Summary Average Annual Total Return as of September 30, 2021 (Updated Monthly)

Portfolio

Investment Divisions1

Volatility/ Inception

Risk Level3

Date

Investment Grade Bond

MainStay VP U.S. Government Money Market - Current yield is -1.38%8

Low

01/29/1993

PIMCO VIT Low Duration Portfolio - Advisor Class

Low

03/31/2006

MainStay VP Bond-Initial Class

Moderate 01/23/1984

Fidelity? VIP Bond Index ? Service Class 2

Moderate 04/19/2018

MainStay VP MacKay Government - Initial Class

Moderate 01/29/1993

MainStay VP PIMCO Real Return - Service Class

Moderate 02/17/2012

PIMCO VIT Income Portfolio - Advisor Class

Moderate 04/29/2016

PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class

Moderate 05/01/2014

PIMCO VIT Total Return Portfolio - Advisor Class

Moderate 02/28/2006

Non-Investment Grade Bond

BlackRock? High Yield V.I. Fund ? Class III Shares

Moderate 02/15/2012

Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2

Moderate 04/30/2012

MainStay VP Floating Rate-Service Class

Moderate 05/01/2005

MainStay VP MacKay Convertible - Initial Class

Moderate 10/01/1996

MainStay VP MacKay High Yield Corporate Bond - Initial Class

Moderate 05/01/1995

MainStay VP MacKay Strategic Bond ? Service Class

Moderate 05/01/2011

Alternatives

DWS Alternative Asset Allocation VIP - Class B

Moderate 05/18/2009

MainStay VP IQ Hedge Multi-Strategy - Service Class

Moderate 05/01/2013

Asset Allocation

American Funds IS Asset Allocation Fund - Class 4

Moderate 12/14/2012

BlackRock? Global Allocation V.I. Fund - Class III Shares Fidelity? VIP FundsManager? 60% -- Service Class

Moderate 11/18/2003 Moderate 08/22/2007

MainStay VP Balanced - Service Class

Moderate 05/01/2005

MainStay VP Conservative Allocation - Service Class

Moderate 02/13/2006

MainStay VP Income Builder - Initial Class MainStay VP Janus Henderson Balanced - Initial Class7

Moderate 01/29/1993 Moderate 02/17/2012

MainStay VP Moderate Allocation - Service Class

Moderate 02/13/2006

Franklin Templeton Conservative Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderate Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderately Aggressive Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderately Conservative Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Aggressive Model Portfolio - Class II

High 05/01/2020

MainStay VP Equity Allocation ? Service Class

High 02/13/2006

MainStay VP Growth Allocation?Service Class

High 02/13/2006

Large Cap Equity

American Funds IS Washington Mutual Investors Fund - Class 4

High 12/14/2012

American Funds IS Growth Fund - Class 4

High 12/14/2012

ClearBridge Variable Appreciation Portfolio -- Class II

High 02/28/2015

Fidelity? VIP Contrafund?- Initial Class

High 01/03/1995

Fidelity? VIP Equity-Income - Initial Class

High 10/09/1986

Fidelity? VIP Growth Opportunities ? Service Class 2

High 01/12/2000

MainStay VP Epoch U.S. Equity Yield ? Service Class

High 05/01/1998

MainStay VP Wellington U.S. Equity ? Initial Class MainStay VP Wellington Growth - Initial Class9 MainStay VP MacKay S&P 500 Index - Initial Class5 MainStay VP T. Rowe Price Equity Income - Initial Class9

High High High High

01/23/1984 01/29/1993 01/29/1993 03/31/1994

MainStay VP Winslow Large Cap Growth ? Initial Class

High 05/01/1998

MFS? Investors Trust Series - Initial Class

High 10/09/1995

MFS? Research Series - Initial Class

High 07/26/1995

Small/Mid Cap Equity

Fidelity? VIP Mid Cap ? Service Class 2

High

1/12/2000

Janus Henderson VIT Enterprise Portfolio ? Service Shares

High 12/31/1999

MainStay VP Wellington Mid Cap ? Initial Class

High

7/2/2001

MFS? Mid Cap Value Portfolio - Service Class

High 03/07/2008

Neuberger Berman AMT Mid?Cap Growth ? Class S

High

2/18/2003

Invesco V.I. Main Street Small Cap Fund - Series II

Highest 07/16/2001

Columbia Variable Portfolio ? Small Cap Value Fund ? Class 2

Highest 6/1/2000

Delaware VIP Small Cap Value - Service Class

Highest 5/1/2000

MainStay VP Wellington Small Cap - Initial Class MainStay VP Small Cap Growth ? Initial Class6

Highest Highest

5/2/2016 2/17/2012

MainStay VP Small Cap Growth ? Service Class

Highest 2/17/2012

International/Global Equity

American Funds IS Global Small Cap Fund? ? Class 4

High 12/14/2012

Fidelity? VIP International Index -- Service Class 2

High 04/16/2018

Invesco V.I. International Growth Fund - Series II

High 09/19/2001

Janus Henderson VIT Global Research Portfolio - Institutional Shares

High 09/13/1993

MainStay VP MacKay International Equity - Initial Class

High 05/01/1995

MFS? International Intrinsic Value Portfolio ? Service Class

High 08/31/2001

American Funds IS New World Fund - Class 4

Highest 12/14/2012

Fidelity? VIP Emerging Markets ? Service Class 2 MainStay VP Candriam Emerging Markets Equity - Initial Class9

Highest 01/23/2008 Highest 02/17/2012

Sector

Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 210 Fidelity? VIP Health Care -- Service Class 2 MainStay VP Fidelity Institutional AM? Utilities ? Service Class

High High High

04/30/2013 04/30/2019 02/17/2012

Morgan Stanley VIF U.S. Real Estate - Class II

High 11/05/2002

MainStay VP CBRE Global Infrastructure -- Service Class

High

5/1/2015

BNY Mellon IP Technology Growth ? Initial Shares

Highest 8/31/1999

MainStay VP Natural Resources ? Initial Class

Highest 02/17/2012

Please read the important disclosures regarding the product performance on the following page.

Investment Division Inception Date1

05/01/1995 05/02/2016 12/15/1993 11/23/2020 01/29/1993 02/17/2012 05/01/2020 05/01/2014 05/01/2014

05/01/2014 05/01/2015 05/01/2005 10/01/1996 05/01/1995 05/01/2011

05/02/2016 05/01/2013

05/01/2018 05/01/2011 05/01/2019 05/01/2005 02/13/2006 01/29/1993 02/17/2012 02/13/2006 05/01/2020 05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006

11/13/2017 11/13/2017 05/01/2017 10/01/1996 10/01/1996 05/01/2014 06/01/1998 12/15/1993 01/29/1993 01/29/1993 05/01/1998 06/01/1998 05/01/1998 05/01/1998

9/8/2003 11/13/2017

7/6/2001 05/01/2020

6/2/2003 05/01/2020 11/15/2004 11/13/2017

5/2/2016 2/17/2012 2/17/2012

05/01/2015 05/01/2019 05/01/2014 10/01/1996 05/01/1995 05/01/2017 05/01/2014 05/01/2018 02/17/2012

05/01/2015 05/01/2019 02/17/2012 05/01/2013

5/1/2015 7/6/2001 02/17/2012

Month to Date*

Non-Standardized (Assuming No Surrender)2

Year to

Date*

(Updated 1

3

5

10

Monthly) Year

Year

Year

Year

-0.11% -0.07% -1.01% -1.10% -0.63% -0.95% -0.28% -1.06% -0.89%

-1.03% -1.15% -2.17% -3.05% -2.02% 1.92% 0.73% -2.60% -2.24%

-1.38% -1.16% -1.41%

N/A -2.24% 3.40% 4.78% -0.98% -1.54%

-0.58% 0.94% 4.07%

N/A 2.21% 5.66% 4.14% 2.25% 4.00%

-0.63% 0.19% 1.61%

N/A 0.31% 2.70% 3.70% 1.44% 1.89%

-1.01% 0.27% 1.74%

N/A 0.57% 1.31%

N/A 3.13% 2.08%

-0.18% -2.05% 0.36% -0.82% 0.19% -0.15%

3.26% -2.75% 1.95% 5.12% 4.10% 0.78%

9.03% 3.76% 5.00% 24.13% 9.02% 3.84%

5.28% 3.22% 1.72% 14.53% 5.11% 2.67%

4.88% 1.83% 2.23% 13.27% 4.57% 2.10%

5.60% N/A

2.50% 11.55% 5.46% 3.04%

-1.32% 8.68% 18.90% 6.20% -1.55% -1.75% 2.82% 1.88%

3.25% -0.15%

2.56% N/A

-3.65% -3.28% -2.94% -2.57% -2.18% -2.99% -3.77% -2.92% -1.70% -2.97% -3.36% -2.47% -4.31% -4.24% -3.56%

7.37% 2.90% 6.67% 9.96% 3.11% 5.12% 7.93% 5.73% 1.60% 5.70% 7.32% 3.72% 10.03% 11.59% 8.75%

17.20% 14.66% 16.92% 21.01% 8.78% 13.65% 15.26% 14.17% 5.01% 13.75% 17.71% 9.99% 23.73% 28.52% 21.91%

8.91% 9.45% 9.04% 6.37% 5.40% 7.19% 10.90% 6.63%

N/A N/A N/A N/A N/A 9.22% 7.69%

9.00% 7.67% 8.56% 6.13% 4.86% 6.21% 11.79% 6.74%

N/A N/A N/A N/A N/A 10.36% 8.53%

9.86% 6.39% 8.06% 7.88% 5.36% 7.69%

N/A 7.16%

N/A N/A N/A N/A N/A 10.39% 8.94%

-3.96% -3.93% -5.02% -5.79% -3.91% -5.17% -4.41% -4.63% -5.57%

-4.77%

-2.77% -5.24% -4.56% -5.24%

12.83% 11.83% 11.38% 14.58% 14.67% 10.46% 11.52% 15.47% 13.42%

14.61%

15.93% 14.77% 16.26% 13.61%

27.74% 32.69% 23.11% 23.25% 32.22% 30.40% 24.03% 28.74% 25.57%

28.03%

39.67% 25.12% 29.64% 25.21%

7.56% 22.58% 12.80% 16.94% 10.29% 30.72% 7.39% 11.60% 15.60%

14.22%

7.86% 19.67% 13.82% 13.65%

9.16% 22.01% 13.42% 16.69% 10.15% 29.67% 8.79% 13.77% 18.32%

15.06%

9.50% 21.25% 14.53% 14.57%

11.84% 17.86% 13.31% 14.91% 11.35% 21.86% 9.88% 14.31% 14.09%

14.74%

10.84% 17.25% 14.10% 14.29%

-3.18% -3.02% -3.88% -3.04% -4.23% -1.77% -1.21% -1.87% -3.71% -3.94%

-3.96%

14.44% 9.16% 12.12% 17.32% 8.70% 15.62% 23.31% 20.96% 10.60% 6.95%

6.75%

38.52% 30.27% 33.51% 39.38% 29.64% 46.95% 64.32% 59.74% 40.57% 34.68%

34.34%

8.94% 13.70% 6.99% 9.48% 16.75% 10.62% 7.80% 5.89% 2.49% 12.82%

12.54%

10.97% 15.96% 9.54% 9.51% 17.38% 12.91% 10.15% 8.46% 7.42% 15.54%

15.25%

11.13% 15.84% 12.45% 12.05% 14.14% 13.90% 11.38% 10.88%

N/A N/A

N/A

-4.50%

-3.48% -4.63% -4.45% -5.62% -5.11% -4.50% -4.45% -5.70%

7.27%

4.48% 0.26% 10.68% 8.78% 2.13% 3.47% -3.15% -0.84%

31.26%

21.41% 13.57% 26.00% 23.19% 11.94% 22.95% 21.14% 19.62%

14.00%

6.26% 7.94% 12.78% 10.77% 9.90% 12.99% 13.04% 9.39%

13.30%

N/A 6.68% 13.60% 10.67% 9.43% 10.58% 11.06% 8.48%

11.33%

N/A 6.55% 11.98% 9.10% 10.32% 7.42% 7.16%

N/A

5.40% -4.80% -5.38% -5.42% -4.95% -6.01% 6.51%

32.49% 6.05% 1.52% 20.17% 5.62% 7.14% 23.78%

44.51% 14.90% 13.75% 38.08% 15.51% 21.77% 54.64%

6.79% 10.70% 5.21% 1.33% -11.84% 22.02% 4.72%

3.48% 13.82% 5.59% 0.75% -4.99% 24.39% 1.28%

Page 2 of 5

N/A 17.55% 7.04% 6.43%

N/A 18.69% -0.71%

Since Investment

Division Inception

0.65% 0.20% 3.57% -3.16% 2.83% 0.96% 8.35% 2.48% 1.87%

3.54% 2.58% 2.12% 7.70% 6.39% 2.28%

3.51% -2.13%

9.04% 4.58% 11.59% 5.23% 4.32% 5.67% 9.10% 4.99% 7.61% 16.52% 21.69% 12.78% 27.82% 5.91% 5.61%

8.46% 21.88% 13.04% 9.47% 6.43% 21.69% 4.67% 8.27% 7.05% 8.51% 9.08% 8.39% 5.59% 6.22%

9.41% 14.78% 7.72% 39.27% 10.26% 49.72% 7.14% 5.93% 8.98% 10.99% 10.71%

9.43% 8.30% 3.70% 5.96% 5.76% 9.85% 6.14% 8.27% 1.25%

-0.48% 19.59% 6.02% 2.97% -6.09% 8.92% -2.82%

1 Year

-8.28% -8.08% -8.31%

N/A -9.09% -3.60% -2.22% -7.91% -8.43%

2.03% -3.24% -2.00% 17.13% 2.02% -3.16%

11.90% -4.18%

10.20% 7.66% 9.92% 14.01% 1.78% 6.65% 8.26% 7.17% -1.99% 6.75% 10.71% 2.99% 16.73% 21.52% 14.91%

20.74% 25.69% 16.11% 16.25% 25.22% 23.40% 17.03% 21.74% 18.57% 21.03% 32.67% 18.12% 22.64% 18.21%

31.52% 23.27% 26.51% 32.38% 22.64% 39.95% 57.32% 52.74% 33.57% 27.68% 27.34%

24.26% 14.41% 6.57% 19.00% 16.19% 4.94% 15.95% 14.14% 12.62%

37.51% 7.90% 6.75% 31.08% 8.51% 14.77% 47.64%

Standardized (Assuming Surrender)

Since

Investment

3

5

10

Division

Year

Year

Year Inception

-2.96% -1.40% 1.87%

N/A -0.08% 3.53% 1.95% -0.03% 1.80%

-1.65% -0.82% 0.65%

N/A -0.69% 1.78% 2.82% 0.47% 0.95%

-1.01% 0.27% 1.74%

N/A 0.57% 1.31%

N/A 3.13% 2.08%

0.65% -0.54% 3.57% -9.94% 2.83% 0.96% 3.52% 2.48% 1.87%

3.13% 0.99% -0.59% 12.72% 2.95% 0.41%

4.04% 0.88% 1.30% 12.66% 3.72% 1.17%

5.60% N/A

2.50% 11.55% 5.46% 3.04%

3.54% 2.58% 2.12% 7.70% 6.39% 2.28%

4.09% -0.42%

2.36% -1.17%

2.56% N/A

2.86% -2.13%

6.90% 7.46% 7.04% 4.27% 3.26% 5.12% 8.97% 4.53%

N/A N/A N/A N/A N/A 7.23% 5.63%

8.29% 6.91% 7.83% 5.33% 4.02% 5.41% 11.14% 5.95%

N/A N/A N/A N/A N/A 9.68% 7.80%

9.86% 6.39% 8.06% 7.88% 5.36% 7.69%

N/A 7.16%

N/A N/A N/A N/A N/A 10.39% 8.94%

7.59% 4.58% 9.08% 5.23% 4.32% 5.67% 9.10% 4.99% 2.77% 11.85% 17.10% 8.04% 23.32% 5.91% 5.61%

5.50% 21.01% 10.93% 15.21% 8.33% 29.34% 5.33% 9.69% 13.83%

12.40%

5.82% 18.02% 11.99% 11.81%

8.44% 21.56% 12.81% 16.15% 9.46% 29.32% 8.06% 13.17% 17.81%

14.49%

8.79% 20.78% 13.94% 13.98%

11.84% 17.86% 13.31% 14.91% 11.35% 21.86% 9.88% 14.31% 14.09%

14.74%

10.84% 17.25% 14.10% 14.29%

7.22% 21.00% 12.28% 9.47% 6.43% 21.69% 4.67% 8.27% 7.05%

8.51%

9.08% 8.39% 5.59% 6.22%

6.94% 11.86% 4.91% 7.50% 15.01% 8.68% 5.76% 3.76% 0.21% 10.96%

10.66%

10.30% 15.41% 8.84% 8.80% 16.85% 12.29% 9.47% 7.73% 6.66% 14.97%

14.68%

11.13% 15.84% 12.45% 12.05% 14.14% 13.90% 11.38% 10.88%

N/A N/A

N/A

9.41% 13.73% 7.72% 34.94% 10.26% 45.52% 7.14% 4.60% 6.37% 10.99%

10.71%

12.18%

4.15% 5.89% 10.92% 8.83% 7.93% 11.14% 11.18% 7.40%

12.69%

N/A 5.90% 13.00% 10.00% 8.73% 9.90% 10.40% 7.75%

11.33%

N/A 6.55% 11.98% 9.10% 10.32% 7.42% 7.16%

N/A

9.43%

5.67% 3.70% 5.96% 5.76% 9.02% 6.14% 6.80% 1.25%

4.70% 8.76% 3.06% -1.00% -13.95% 20.43% 2.55%

2.59% 13.22% 4.77% -0.24% -5.96% 23.96% 0.32%

N/A 17.55% 7.04% 6.43%

N/A 18.69% -0.71%

-0.48% 17.31% 6.02% 2.97% -6.09% 8.92% -2.82%

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 origi nal cost. For current to the most recent month-end performance information, please call 1-800-5982019 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 1.40% and Fund Company Expenses. An Annual Policy Service Charge, equal to the lesser of $30 or 2% of the Accumulation Value of the policy is not included in these charges, bu t will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date t he Accumulation Value Is less than $20,000. The performance shown, therefore, would be slightly lower if your policy's Accumulat ion Value is less than $20,000. 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 Surrende r Charge for each premium payment is 7%, declining to 4% by the 6th 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 59?, may be subject to a 10% IRS penalty (the penalty ta x is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRA plan). The Investment Divisions offered through the New York Life Variable Annuity and described herein are different from m utual funds that may have similar names but are available directly to the public. Investment results may differ.

Page 3 of 5

New York Life Variable Annuity Performance Summary Average Annual Total Return as of September 30, 2021 (Updated Quarterly)

Portfolio

Investment Divisions1

Volatility/ Inception

Risk Level3

Date

Investment Grade Bond

MainStay VP U.S. Government Money Market - Current yield is -1.38%8

Low

01/29/1993

PIMCO VIT Low Duration Portfolio - Advisor Class

Low

03/31/2006

MainStay VP Bond-Initial Class Fidelity? VIP Bond Index ? Service Class 2

Moderate 01/23/1984 Moderate 04/19/2018

MainStay VP MacKay Government - Initial Class

Moderate 01/29/1993

MainStay VP PIMCO Real Return - Service Class

Moderate 02/17/2012

PIMCO VIT Income Portfolio - Advisor Class

Moderate 04/29/2016

PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class

Moderate 05/01/2014

PIMCO VIT Total Return Portfolio - Advisor Class

Moderate 02/28/2006

Non-Investment Grade Bond

BlackRock? High Yield V.I. Fund ? Class III Shares

Moderate 02/15/2012

Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2

Moderate 04/30/2012

MainStay VP Floating Rate-Service Class

Moderate 05/01/2005

MainStay VP MacKay Convertible - Initial Class

Moderate 10/01/1996

MainStay VP MacKay High Yield Corporate Bond - Initial Class

Moderate 05/01/1995

MainStay VP MacKay Strategic Bond ? Service Class

Moderate 05/01/2011

Alternatives

DWS Alternative Asset Allocation VIP - Class B

Moderate 05/18/2009

MainStay VP IQ Hedge Multi-Strategy - Service Class

Moderate 05/01/2013

Asset Allocation

American Funds IS Asset Allocation Fund - Class 4

Moderate 12/14/2012

BlackRock? Global Allocation V.I. Fund - Class III Shares Fidelity? VIP FundsManager? 60% -- Service Class

Moderate 11/18/2003 Moderate 08/22/2007

MainStay VP Balanced - Service Class

Moderate 05/01/2005

MainStay VP Conservative Allocation - Service Class

Moderate 02/13/2006

MainStay VP Income Builder - Initial Class MainStay VP Janus Henderson Balanced - Initial Class7

Moderate 01/29/1993 Moderate 02/17/2012

MainStay VP Moderate Allocation - Service Class

Moderate 02/13/2006

Franklin Templeton Conservative Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderate Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderately Aggressive Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Moderately Conservative Model Portfolio - Class II

Moderate 05/01/2020

Franklin Templeton Aggressive Model Portfolio - Class II

High 05/01/2020

MainStay VP Equity Allocation ? Service Class

High 02/13/2006

MainStay VP Growth Allocation?Service Class

High 02/13/2006

Large Cap Equity

American Funds IS Washington Mutual Investors Fund - Class 4

High 12/14/2012

American Funds IS Growth Fund - Class 4

High 12/14/2012

ClearBridge Variable Appreciation Portfolio -- Class II

High 02/28/2015

Fidelity? VIP Contrafund?- Initial Class

High 01/03/1995

Fidelity? VIP Equity-Income - Initial Class

High 10/09/1986

Fidelity? VIP Growth Opportunities ? Service Class 2

High 01/12/2000

MainStay VP Epoch U.S. Equity Yield ? Service Class

High 05/01/1998

MainStay VP Wellington U.S. Equity ? Initial Class MainStay VP Wellington Growth - Initial Class9 MainStay VP MacKay S&P 500 Index - Initial Class5 MainStay VP T. Rowe Price Equity Income - Initial Class9

High High High High

01/23/1984 01/29/1993 01/29/1993 03/31/1994

MainStay VP Winslow Large Cap Growth ? Initial Class

High 05/01/1998

MFS? Investors Trust Series - Initial Class

High 10/09/1995

MFS? Research Series - Initial Class

High 07/26/1995

Small/Mid Cap Equity

Fidelity? VIP Mid Cap ? Service Class 2

High

1/12/2000

Janus Henderson VIT Enterprise Portfolio ? Service Shares

High 12/31/1999

MainStay VP Wellington Mid Cap ? Initial Class

High

7/2/2001

MFS? Mid Cap Value Portfolio - Service Class

High 03/07/2008

Neuberger Berman AMT Mid?Cap Growth ? Class S

High

2/18/2003

Invesco V.I. Main Street Small Cap Fund - Series II

Highest 07/16/2001

Columbia Variable Portfolio ? Small Cap Value Fund ? Class 2

Highest 6/1/2000

Delaware VIP Small Cap Value - Service Class

Highest 5/1/2000

MainStay VP Wellington Small Cap - Initial Class MainStay VP Small Cap Growth ? Initial Class6

Highest Highest

5/2/2016 2/17/2012

MainStay VP Small Cap Growth ? Service Class

Highest 2/17/2012

International/Global Equity

American Funds IS Global Small Cap Fund? ? Class 4 Fidelity? VIP International Index -- Service Class 2

High High

12/14/2012 04/16/2018

Invesco V.I. International Growth Fund - Series II

High 09/19/2001

Janus Henderson VIT Global Research Portfolio - Institutional Shares

High 09/13/1993

MainStay VP MacKay International Equity - Initial Class

High 05/01/1995

MFS? International Intrinsic Value Portfolio ? Service Class American Funds IS New World Fund - Class 4

High 08/31/2001 Highest 12/14/2012

Fidelity? VIP Emerging Markets ? Service Class 2 MainStay VP Candriam Emerging Markets Equity - Initial Class9

Highest 01/23/2008 Highest 02/17/2012

Sector

Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 210 Fidelity? VIP Health Care -- Service Class 2 MainStay VP Fidelity Institutional AM? Utilities ? Service Class

High High High

04/30/2013 04/30/2019 02/17/2012

Morgan Stanley VIF U.S. Real Estate - Class II

High 11/05/2002

MainStay VP CBRE Global Infrastructure -- Service Class

High

5/1/2015

BNY Mellon IP Technology Growth ? Initial Shares

Highest 8/31/1999

MainStay VP Natural Resources ? Initial Class

Highest 02/17/2012

Please read the important disclosures regarding the product performance on the following page.

Investment Division Inception Date1

05/01/1995 05/02/2016 12/15/1993 11/23/2020 01/29/1993 02/17/2012 05/01/2020 05/01/2014 05/01/2014

05/01/2014 05/01/2015 05/01/2005 10/01/1996 05/01/1995 05/01/2011

05/02/2016 05/01/2013

05/01/2018 05/01/2011 05/01/2019 05/01/2005 02/13/2006 01/29/1993 02/17/2012 02/13/2006 05/01/2020 05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006

11/13/2017 11/13/2017 05/01/2017 10/01/1996 10/01/1996 05/01/2014 06/01/1998 12/15/1993 01/29/1993 01/29/1993 05/01/1998 06/01/1998 05/01/1998 05/01/1998

9/8/2003 11/13/2017

7/6/2001 05/01/2020

6/2/2003 05/01/2020 11/15/2004 11/13/2017

5/2/2016 2/17/2012 2/17/2012

05/01/2015 05/01/2019 05/01/2014 10/01/1996 05/01/1995 05/01/2017 05/01/2014 05/01/2018 02/17/2012

05/01/2015 05/01/2019 02/17/2012 05/01/2013

5/1/2015 7/6/2001 02/17/2012

Non-Standardized (Assuming No Surrender)2

Since

Investment

1

3

5

10

Division

Year

Year

Year

Year Inception

1 Year

-1.38% -1.16% -1.41%

N/A -2.24% 3.40% 4.78% -0.98% -1.54%

-0.58% 0.94% 4.07%

N/A 2.21% 5.66% 4.14% 2.25% 4.00%

-0.63% 0.19% 1.61%

N/A 0.31% 2.70% 3.70% 1.44% 1.89%

-1.01% 0.27% 1.74%

N/A 0.57% 1.31%

N/A 3.13% 2.08%

0.65% 0.20% 3.57% -3.16% 2.83% 0.96% 8.35% 2.48% 1.87%

-8.28% -8.08% -8.31%

N/A -9.09% -3.60% -2.22% -7.91% -8.43%

9.03% 3.76% 5.00% 24.13% 9.02% 3.84%

5.28% 3.22% 1.72% 14.53% 5.11% 2.67%

4.88% 1.83% 2.23% 13.27% 4.57% 2.10%

5.60% N/A

2.50% 11.55% 5.46% 3.04%

3.54% 2.58% 2.12% 7.70% 6.39% 2.28%

2.03% -3.24% -2.00% 17.13% 2.02% -3.16%

18.90% 6.20% 3.25% 2.82% 1.88% -0.15%

2.56% N/A

3.51% 11.90% -2.13% -4.18%

17.20% 14.66% 16.92% 21.01% 8.78% 13.65% 15.26% 14.17% 5.01% 13.75% 17.71% 9.99% 23.73% 28.52% 21.91%

8.91% 9.45% 9.04% 6.37% 5.40% 7.19% 10.90% 6.63%

N/A N/A N/A N/A N/A 9.22% 7.69%

9.00% 7.67% 8.56% 6.13% 4.86% 6.21% 11.79% 6.74%

N/A N/A N/A N/A N/A 10.36% 8.53%

9.86% 6.39% 8.06% 7.88% 5.36% 7.69%

N/A 7.16%

N/A N/A N/A N/A N/A 10.39% 8.94%

9.04% 4.58% 11.59% 5.23% 4.32% 5.67% 9.10% 4.99% 7.61% 16.52% 21.69% 12.78% 27.82% 5.91% 5.61%

10.20% 7.66% 9.92% 14.01% 1.78% 6.65% 8.26% 7.17% -1.99% 6.75% 10.71% 2.99% 16.73% 21.52% 14.91%

27.74% 32.69% 23.11% 23.25% 32.22% 30.40% 24.03% 28.74% 25.57%

28.03%

39.67% 25.12% 29.64% 25.21%

7.56% 22.58% 12.80% 16.94% 10.29% 30.72% 7.39% 11.60% 15.60%

14.22%

7.86% 19.67% 13.82% 13.65%

9.16% 22.01% 13.42% 16.69% 10.15% 29.67% 8.79% 13.77% 18.32%

15.06%

9.50% 21.25% 14.53% 14.57%

11.84% 17.86% 13.31% 14.91% 11.35% 21.86% 9.88% 14.31% 14.09%

14.74%

10.84% 17.25% 14.10% 14.29%

8.46% 21.88% 13.04% 9.47% 6.43% 21.69% 4.67% 8.27% 7.05%

8.51%

9.08% 8.39% 5.59% 6.22%

20.74% 25.69% 16.11% 16.25% 25.22% 23.40% 17.03% 21.74% 18.57%

21.03%

32.67% 18.12% 22.64% 18.21%

38.52% 30.27% 33.51% 39.38% 29.64% 46.95% 64.32% 59.74% 40.57% 34.68%

34.34%

8.94% 13.70% 6.99% 9.48% 16.75% 10.62% 7.80% 5.89% 2.49% 12.82%

12.54%

10.97% 15.96% 9.54% 9.51% 17.38% 12.91% 10.15% 8.46% 7.42% 15.54%

15.25%

11.13% 15.84% 12.45% 12.05% 14.14% 13.90% 11.38% 10.88%

N/A N/A

N/A

9.41% 14.78% 7.72% 39.27% 10.26% 49.72% 7.14% 5.93% 8.98% 10.99%

10.71%

31.52% 23.27% 26.51% 32.38% 22.64% 39.95% 57.32% 52.74% 33.57% 27.68%

27.34%

31.26% 21.41% 13.57% 26.00% 23.19% 11.94% 22.95% 21.14% 19.62%

14.00% 6.26% 7.94% 12.78% 10.77% 9.90% 12.99% 13.04% 9.39%

13.30% N/A

6.68% 13.60% 10.67% 9.43% 10.58% 11.06% 8.48%

11.33% N/A

6.55% 11.98% 9.10% 10.32% 7.42% 7.16%

N/A

9.43% 8.30% 3.70% 5.96% 5.76% 9.85% 6.14% 8.27% 1.25%

24.26% 14.41% 6.57% 19.00% 16.19% 4.94% 15.95% 14.14% 12.62%

44.51% 14.90% 13.75% 38.08% 15.51% 21.77% 54.64%

6.79% 10.70% 5.21% 1.33% -11.84% 22.02% 4.72%

3.48% 13.82% 5.59% 0.75% -4.99% 24.39% 1.28%

N/A 17.55% 7.04% 6.43%

N/A 18.69% -0.71%

-0.48% 19.59% 6.02% 2.97% -6.09% 8.92% -2.82%

37.51% 7.90% 6.75% 31.08% 8.51% 14.77% 47.64%

Standardized (Assuming Surrender)

Since

Investment

3

5

10

Division

Year

Year

Year

Inception

-2.96% -1.40% 1.87%

N/A -0.08% 3.53% 1.95% -0.03% 1.80%

-1.65% -0.82% 0.65%

N/A -0.69% 1.78% 2.82% 0.47% 0.95%

-1.01% 0.27% 1.74%

N/A 0.57% 1.31%

N/A 3.13% 2.08%

0.65% -0.54% 3.57% -9.94% 2.83% 0.96% 3.52% 2.48% 1.87%

3.13% 0.99% -0.59% 12.72% 2.95% 0.41%

4.04% 0.88% 1.30% 12.66% 3.72% 1.17%

5.60% N/A

2.50% 11.55% 5.46% 3.04%

3.54% 2.58% 2.12% 7.70% 6.39% 2.28%

4.09% -0.42%

2.36% -1.17%

2.56% N/A

2.86% -2.13%

6.90% 7.46% 7.04% 4.27% 3.26% 5.12% 8.97% 4.53%

N/A N/A N/A N/A N/A 7.23% 5.63%

8.29% 6.91% 7.83% 5.33% 4.02% 5.41% 11.14% 5.95%

N/A N/A N/A N/A N/A 9.68% 7.80%

9.86% 6.39% 8.06% 7.88% 5.36% 7.69%

N/A 7.16%

N/A N/A N/A N/A N/A 10.39% 8.94%

7.59% 4.58% 9.08% 5.23% 4.32% 5.67% 9.10% 4.99% 2.77% 11.85% 17.10% 8.04% 23.32% 5.91% 5.61%

5.50% 21.01% 10.93% 15.21% 8.33% 29.34% 5.33% 9.69% 13.83%

12.40%

5.82% 18.02% 11.99% 11.81%

8.44% 21.56% 12.81% 16.15% 9.46% 29.32% 8.06% 13.17% 17.81%

14.49%

8.79% 20.78% 13.94% 13.98%

11.84% 17.86% 13.31% 14.91% 11.35% 21.86% 9.88% 14.31% 14.09%

14.74%

10.84% 17.25% 14.10% 14.29%

7.22% 21.00% 12.28% 9.47% 6.43% 21.69% 4.67% 8.27% 7.05%

8.51%

9.08% 8.39% 5.59% 6.22%

6.94% 11.86% 4.91% 7.50% 15.01% 8.68% 5.76% 3.76% 0.21% 10.96%

10.66%

10.30% 15.41% 8.84% 8.80% 16.85% 12.29% 9.47% 7.73% 6.66% 14.97%

14.68%

11.13% 15.84% 12.45% 12.05% 14.14% 13.90% 11.38% 10.88%

N/A N/A

N/A

9.41% 13.73% 7.72% 34.94% 10.26% 45.52% 7.14% 4.60% 6.37% 10.99%

10.71%

12.18% 4.15% 5.89% 10.92% 8.83% 7.93% 11.14% 11.18% 7.40%

12.69% N/A

5.90% 13.00% 10.00% 8.73% 9.90% 10.40% 7.75%

11.33% N/A

6.55% 11.98% 9.10% 10.32% 7.42% 7.16%

N/A

9.43% 5.67% 3.70% 5.96% 5.76% 9.02% 6.14% 6.80% 1.25%

4.70% 8.76% 3.06% -1.00% -13.95% 20.43% 2.55%

2.59% 13.22% 4.77% -0.24% -5.96% 23.96% 0.32%

N/A 17.55% 7.04% 6.43%

N/A 18.69% -0.71%

-0.48% 17.31% 6.02% 2.97% -6.09% 8.92% -2.82%

Page 4 of 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 origi nal cost. For current to the most recent month-end performance information, please call 1-800-5982019 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 1.40% and Fund Company Expenses. An Annual Policy Service Charge, equal to the lesser of $30 or 2% of the Accumulation Value of the policy is not included in these charges, bu t will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date t he Accumulation Value Is less than $20,000. The performance shown, therefore, would be slightly lower if your policy's Accumulat ion Value is less than $20,000. 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 Surrende r Charge for each premium payment is 7%, declining to 4% by the 6th 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 59?, may be subject to a 10% IRS penalty (the penalty ta x is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRA plan). The Investment Divisions offered through the New York Life Variable Annuity and described herein are different from m utual funds that may have similar names but are available directly to the public. Investment results may differ.

Page 5 of 5

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