Field Management Mark C. Biren, Senior Vice President and Linda M. Freundlich, Vice President - Agency

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Field News

Criteria for Promotion from Partner to Senior Partner

To: Field Management

From: Mark C. Biren, Senior Vice President and Linda M. Freundlich, Vice President - Agency

Summary

This announcement outlines the requirements for promotion to Senior Partner and supersedes the rules published in the Field News dated March 31, 2014.

General Eligibility for Promotion from Partner to Senior Partner

Partners are eligible to be promoted to Senior Partner if they have: (1) at least three years management experience in the financial services industry, (2) been with New York Life for at least one year, and (3) met the requirements specified in this Field News. Promotions occur in March and September of every year. A Partner must meet the following requirements to be eligible for promotion:

• Verification of compliance with Company guidelines on: Equal Employment Opportunity Commission issues (such as diversity and harassment); Compliance and Supervision issues; and the General Office Leadership Development (GOLD) system

• Successful completion of Partners Fundamental, Intermediate & Advanced Career Schools and the Partners Promotion Program

• Completion of the Management & Leadership Development Partner Development curriculum to include both CBTs and GIDs for the courses listed below. Partners hired after July 1, 2012, must complete all modules. Partners hired prior to July 1, 2012, must complete the Intermediate and Advanced Career courses.

⇒ Partners Fundamental Career Course ⇒ Partners Basic Career Course

⇒ Partners Intermediate Career Course ⇒ Partners Advanced Career Course

• Recommendation of the Managing Partner and approval from the Zone Vice President

A Partner who is on Alert, Warning, Final Notice or any form of disciplinary action at the time the promotion is being considered will be deemed ineligible.

All Partners who are promoted must sign the Senior Partner employment agreement.

Criteria for September 2016 Promotions

In addition to the general eligibility requirements listed above, a Partner must meet the following criteria to be eligible for promotion to Senior Partner in September 2016:

• At least 5 Quality Agent appointments in the prior 12 months (July 1, 2015 through June 30, 2016), of whom a minimum of 3 must have been appointed between Jan. 1 and June 30, 2016

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Issue #49 M1 - 2 Dec. 7, 2015

• Combined class proactive retention rate of 30% or more as of Dec. 31, 2015. Combined class retention compares the total number of full-time Agents contracted in the 1st Prior, 2nd Prior and 3rd Prior classes to those who are still active at the end of the year and meet the minimum FYC targets for their class. • Series 7 and 24 registrations by Aug. 31, 2016

• 7* Council Agents in the Council year ending June 30, 2016, with at least 4* in the New Organization • A G.P.A. of 2.0 or higher as of June 30, 2016

Criteria for March 2017 Promotions

In addition to the general eligibility requirements listed above, a Partner must meet the following criteria to be eligible for promotion to Senior Partner in March 2017:

• At least 5 Quality Agent appointments in the prior calendar year

• Combined class proactive retention rate of 30% or more as of Dec. 31, 2016. Combined class retention compares the total number of full-time Agents contracted in the 1st Prior, 2nd Prior and 3rd Prior classes to those who are still active at the end of the year and meet the minimum FYC targets for their class. • Series 7 and 24 registrations by Feb. 28, 2017

• 6* Council Agents in the Council year ending June 30, 2016, with at least 4* in the New Organization • 7* Agents prorata for Council as of Dec. 31, 2016, with at least 4* in the New Organization

• A G.P.A of 2.0 or higher as of Dec. 31, 2016

Criteria for September 2017 Promotions

In addition to the general eligibility requirements listed above, a Partner must meet the following criteria to be eligible for promotion to Senior Partner in September 2017:

• At least 5 Quality Agent appointments in the prior 12 months (July 1, 2016 through June 30, 2017), of whom a minimum of 3 must have been appointed between Jan. 1 and June 30, 2017

• Combined class proactive retention rate of 30% or more as of Dec. 31, 2016. Combined class retention compares the total number of full-time Agents contracted in the 1st Prior, 2nd Prior and 3rd Prior classes to those who are still active at the end of the year and meet the minimum FYC targets for their class. • Series 7 and 24 registrations by Aug. 31, 2017

• 7* Council Agents in the Council year ending June 30, 2017, with at least 4* in the New Organization • A G.P.A. of 2.0 or higher as of June 30, 2017

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Quality Council Agents

Only two Quality Council Agents who qualify with the discounted requirement (50 Life Cases and $32,000 FYC) will count towards meeting the Council Agent criteria. When determining the number of prorata Quality Council Agents, only Agents who are prorata for the full ($46,000) Quality Council requirement will count.

For More Information

If you have any questions about the rules governing Senior Partner promotions, please contact your Zone management team.

*Reassigned orphaned Agents are excluded from the Council calculation for 12 months following the reassignment date. A Recruiter may have no more than two orphan Agents count towards the Council requirement for promotion.

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Field News

Important update to share class availability for mutual fund

_{purchases in employer-sponsored retirement plans}

To: Agents, Registered Representatives, Eagle Advisors, & Field Management

From: Steven Govaert, Corporate Vice President, Insurance Customer Service

Summary

Effective Jan. 4, 2016, new employer-sponsored retirement plans will be limited to purchasing load-waived Class A shares if eligible. Plans that are not eligible for load-waived Class A shares will be limited to purchasing Class R shares (or other retirement share class equivalent) with a 12b-1 fee at or near 50bps. Existing Plans will be reminded about the different share class options that are available and provided with information about how to request a change in share class for existing plan investments and new plan contributions.

Background:

For the past several years, the issue of retirement plan participants receiving all appropriate mutual fund sales charge waivers and the appropriate share class has been one of increased focus for securities regulators,

particularly FINRA. The Company continues to take steps to ensure that plan participants do not incur unnecessary expenses.

As part of our ongoing efforts, we have enhanced procedures to ensure compliance by the Company and agents with the FINRA requirement that retirement plans purchase an appropriate mutual fund share class. The Company is committed to ensuring that eligible retirement plans receive applicable mutual fund sales charge waivers and the appropriate share class.

Finally, we also want to let you know about related modifications to our forms and processes that will become effective in Jan. 2016:

Effective for new Plans on Jan. 4, 2016:

• Employer-sponsored retirement plan applications and services agreements will capture the information necessary to determine plans' eligibility for sales charge waivers and particular share classes.

• All Applications will require plans to identify the approximate number of plan participants. This is because certain fund families offer load-waived Class A shares to plans with a minimum number of participants. • Plans eligible for load-waived Class A shares may only purchase that share class.

• Plans that are not eligible for load-waived Class A shares will be permitted to purchase a retirement share class (typically, Class R shares with a 50 bps 12b-1 fee) that NYLIFE Securities designates.

• Agents will enjoy access to over 800 retirement class funds on the AdviserOne Platform and over 450 retirement class funds held direct at the fund family. We will circulate the list of available funds and share classes shortly.

• In order to keep the retirement class shares competitively priced, NYLIFE Securities will waive transaction fees on eligible retirement class fund trades placed through Streetscape.

• We will be sending letters to existing plans making them aware of alternate share classes that are available to purchase.

• As you are aware we must only recommend appropriate and suitable share classes when selling mutual funds to employer-sponsored retirement plans.

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Issue 49 A1 - 2 Dec. 7, 2015

Communications to existing Plans:

• During the first part of January, you should communicate with the plan trustees about the various share class options that are available to their plans. You should remind them that they may be eligible for an R share class or load waived A share that may be more cost effective than the share class that the plan is currently offering to participants. You should also remind plan trustees that they may request a change in the share class offered under the plan should they decide that it would be desirable.

• During the week of Jan. 25, 2016, we will begin to communicate to plan sponsors regarding the different share classes that are available to Plans and provide them with information about how to change share classes for both new contributions to their plan as well as for existing plan investments. In our

communications we will indicate that if we do not hear from them, we will assume that they are satisfied with the share class the plan currently offers. We will provide you a copy of the communication in a subsequent Field News prior to mailing to plan sponsors.

Share Class Rules for Employer-Sponsored Retirement Plans

As detailed below, effective Jan. 4, 2016, we will modify our supervisory procedures with regard to retirement plan share class determinations.

• Registered Representatives must use the updated employer-sponsored retirement plan applications and service agreements (samples will be distributed shortly).

• In offering mutual funds to retirement plans, Registered Representatives must select from the list of available funds and share classes that will be distributed shortly. The NYLIFE Securities Brokerage Services Team will periodically update the list of available funds and share classes.

• All new employer-sponsored retirement plan mutual fund accounts, whether purchased directly or through the AdviserOne brokerage platform, and whether in a multiple participant or single participant plan, will be reviewed by the NYLIFE Suitability Team to ensure that the appropriate share class has been selected.

The only share classes available to new retirement plans that qualify for a load waiver on A shares will be the load waived A shares. All other new retirement plans will only have a shares class with 12b-1 fees available at or near 50bps.

Plan share class eligibility will be determined at the time of application. Subsequent changes to asset levels and/or participant levels will not automatically affect the share class available to the Plan. Following the establishment of the plan account, NYLIFE Securities will typically monitor asset levels to determine whether a particular Plan becomes eligible for a different share class pursuant to prospectus provisions; however NYLIFE Securities will not monitor participant levels. Should a Plan Trustee inform a Registered Representative that the Plan is eligible for a different share class based on changes to asset or participant levels, the Registered Representative should promptly contact NYLIFE Securities to discuss alternatives.

For purposes of these rules, employer-sponsored retirement plan accounts generally include: • Section 401(k), profit sharing, money purchase pension and defined benefit plans; • Section 401(a) and 457 plans;

• Certain Section 403(b)(7) plans (generally those covered by Title 1 of ERISA).

Responsibilities When Selling Mutual Funds

FINRA Rules require that Registered Representatives have a reasonable basis to believe that a recommended securities transaction or investment strategy is suitable for the client. In the mutual fund context, you as the

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Registered Representative have the obligation to review the fund prospectus and statement of additional

information ("SAI") carefully. You should be familiar with all of the features of the mutual fund, and disclose to the client all material facts, including all fees and charges, the availability of breakpoints, letters of intent, rights of accumulation and other discounts for which the Plan may be eligible. You should work with the Plan to select the appropriate mutual funds based on consideration of several factors, including:

• The amount that the Plan intends to invest initially; • Anticipated future investments;

• The mutual fund investment options the Plan wishes to offer to Plan participants; and • The anticipated fees and expenses associated with the mutual funds under consideration.

Rule for Transferring Retirement Plans

For plans that are transferring from another Broker/Dealer, we will accept the existing share classes, but will not allow additional contributions to any share class that has 12b-1 fees higher than 50 bps. Registered

Representatives will be solely responsible for moving any assets in existing higher expense share classes to available lower-expense share classes.

For More Information

If you have questions regarding this Field News or mutual fund share classes, please call NYLIFE Securities at (800) 884-3874, and select the Investor Relations option.

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Field News

LTCi NY Partnership and CA Partnership New Sales

_{Discontinued January 1}

To: Agents and Field Managers

From: Aaron Ball, VP - LTC Business Leader

Summary

Effective Jan. 1, 2016 New York Life will no longer offer new California Partnership or New York Partnership long-term care insurance policies. We will continue to offer New York Life’s non-partnership product, LTC Select Premier, in both states. This change does not affect in-force California Partnership and New York Partnership policies.

Why We Made This Decision

Sales of the Partnership products in both California and New York have been extremely limited, primarily due to the plan designs mandated by state regulation. Because of this, we have decided to focus our business on a consistent product offering, and no longer offer new California Partnership and New York Partnership policies.

Positioning Non-Partnership Policies with Clients

Clients and prospects in California and New York can continue to take advantage of our non-partnership long-term care insurance which offers more options and greater flexibility. Here are a few key features available through our non-partnership LTC Select Premier product that the partnership product did not offer:

Additional benefits of a non-partnership CA LTC Select Premier policy:

•

3 year rate guarantee

•

A variety of inflation protection options: simple, compound and CPI-U offers (partnership limits inflation to a mandatory 5% compound inflation to age 70, 5% simple inflation age 70 or older)

•

Daily benefit from $50 to $400

•

20, 90, 180 or 365 day waiting period

•

Home care elimination period reduced to 20 days when following NYL approved care plan

•

Return of premium at death rider available

•

Restoration of benefits included in base policy

Additional benefits of a non-partnership NY LTC Select Premier policy:

•

Waiver of premium included in base policy

•

5, 7 and 10 year benefit periods

•

180 and 365 day waiting periods

•

Variety of levels for home health care, 0%, 50-100%

•

Variety of inflation protection options: simple, compound and CPI-U offers

•

Advantages of Care Coordination Benefits: monthly home care benefit, informal care, and 20 day waiting period for home and community based care

•

Couples Benefit Rider (shared waiting period, joint waiver of premium and survivorship benefits)

•

Shared Care Rider

•

Restoration of Benefits

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Issue 49 A2 - 2 Dec. 7, 2015

System and form updates

CA and NY Partnership applications must have a signature date of Dec. 31, 2015 and be received in our office by Jan. 8, 2016 to be processed. Any CA or NY Partnership applications received at our office after Jan. 8 or with a signature date after Dec. 31 will be returned unprocessed.

In preparation for the discontinuation of the Partnership policies in NY and CA, Partnership application kits and forms will be available for ordering from POD until midnight of Dec. 14, 2015 and available on Forms Library until midnight Dec. 31, 2015. In addition, illustrations for these Partnership policies will be removed from NYLIS as of Dec. 31, 2015.

For More Information

If you have any questions, please contact the LTC Sales Desk at 800-NYLIFE8 Option 4 or your LTC Product Consultant.

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Field News

California Assembly Bill No. 1515

To: Agents and Field Management

From: Rafaela Herrera, CVP - Sales Material Review Unit (SMRU), Corporate Compliance

Summary

This Field News provides information on California Assembly Bill No. 1515, which requires that ads, price quotations and business cards include the word "insurance" in a type size that is at least as large as the smallest telephone number or a 12-point type, whichever is larger.

Background

California law currently imposes various requirements to ensure that clients understand that they are dealing with an insurance agent. Included among those requirements was the need to display the Agent’s individual California insurance license number on insurance quotes, advertisements and business cards.

Current Amendment

The recent amendment requires that the word "insurance," appear "as large as the listed phone number or a 12-point type size, whichever is larger." The rule's new requirement is effective July 1, 2016. The rule states: every

licensee shall prominently affix, type, or cause to be printed on business cards, written price quotations for insurance products, and print advertisements, distributed in this state for insurance products, the word "Insurance" in type size that is at least as large as the smallest telephone number or 12-point type, whichever is larger.

Action Required

As a result of the current amendment, all agents domiciled or licensed in California must ensure that ads, price quotations and business cards are updated and reprinted to comply with the 12-point type size requirement for the insurance license number. Agents must also ensure that the font size of the telephone number is not larger than this information. This change must be made by July 1, 2016. Please plan accordingly to comply by the effective date.

The font size of the CA insurance license number will also be increased on letterhead ordered through the New York Life Stationery Program. This will ensure that agents, who provide price quotations via a letter, comply with the CA rule. The NYL Stationary Program will have all letterhead and business card templates updated by end of the first quarter 2016. Agents should order their business cards and letterhead using the Corporate Graphics' online stationery ordering site http://nylagents.cgconverge.com. Questions pertaining to the Agents’ stationery program should be directed to Corporate Graphics customer service department at 800-841-9845 or

cgscs.cgintl.com.

All DBA business cards and letterhead that require revision in order to comply with the CA amendment must be submitted to the DBA Unit for review and approval prior to use. DBA resubmission instructions can be located on

Agency Portal at Resources > Standards & Compliance > DBAs.

Please see section 10 of CA Assembly Bill No. 1515 for the regulation on insurance license number, here is the link: http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB1515. If you have any questions or require assistance, please contact your designated SMRU Reviewer.

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Issue 49 A3 - 2 Dec. 07, 2015

To access the SMRU Reviewer for each General Office, click on this link:

https://www.ap.newyorklife.com/Agency/General/FileLink/Static%20Files/SMRU%20Reviewer%20List%2011.6.15.pdf. Thank you in advance for your continuous cooperation with state insurance regulations.

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Field News

December Forms Release

To: Agents, Registered Representatives and Field Management From: Paul Pecorino, VP; John DiRago, VP, and Stephanie Frawley, VP

– Insurance & Agency Group – Service Organization

Summary

We are pleased to announce our forms release for Dec. 7, 2015.

Forms Release

Beginning Dec. 7, 2015 the updated forms can be obtained from the Forms Library or from the applicable forms vendor using your standard ordering procedures. Please contact the Administrative Manager in your General Office if you have questions about how to order a particular form.

The next scheduled forms distribution is Jan. 4, 2016. If you have any questions about any of the updated forms, please e-mail: FormsLibrarySupport@newyorklife.com.

The following forms have been updated:

Form Name

Form Number

State

1. NYLIFE Securities Broker’s Representation (07/12) 1.745063.103 General 2. Check-O-Matic (C-O-M) Arrangement Form for Annuities

(10/15)

18492 General

3. Tax Deferred Annuity (403(b)) Policy Loan Agreement Form (12/15)

18505F General

4. Full Surrender Form – Fixed Deferred Annuities (12/15) 18510F General 5. Full Surrender Form for Tax Sheltered Annuities – Fixed

Deferred Annuities (12/15)

18510FT General

6. Compensation Disclosure for Fixed Deferred Annuities (11/15)

18761 General

7. Section 72h Full Surrender Form (12/15) 18827 General

8. Withdrawal or Payment Acceleration Request Form for Guaranteed Lifetime Income Annuity (12/15)

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Issue 49 A4 - 2 Dec. 7, 2015

Form Name

Form Number

State

9. Annuity Contract Summary & Disclosures – Secure Term MVA Fixed Annuity (11/15)

18890 AL, AK, AZ, CA, CO,

DC, FL, HI, IL, IA, KS, KY, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, RI, SC, SD, TN, TX, UT, WA, WV, WY 10. Annuity Contract Summary & Disclosures – Secure Term

MVA Fixed Annuity - CT (11/15)

18890CT CT

11. Annuity Contract Summary & Disclosures – Secure Term MVA Fixed Annuity - AR (11/15)

18890.50 AR

12. Annuity Contract Summary & Disclosures – Secure Term MVA Fixed Annuity - ID (11/15)

18890.75 ID

13. Annuity Contract Summary & Disclosures – Secure Term MVA Fixed Annuity - NJ (11/15)

18890NJ NJ

14. Annuity Contract Summary & Disclosures – Secure Term MVA Fixed Annuity - NY (11/15)

18890NY NY

15. Preliminary Contract Summary & Disclosures – Secure Term MVA Fixed Annuity – WI (11/15)

18893 WI

16. Annuity Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity (11/15)

18956 AK, AL, AZ, CA, CO,

DC, FL, HI, IA, IL, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, WA, WV, WY 17. Annuity Contract Summary & Disclosures – New York Life

Secure Term Choice Fixed Annuity - AR (11/15)

18956.50 AR

18. Annuity Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity - CT (11/15)

18956CT CT

19. Annuity Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity - ID (11/15)

18956.75 ID

20. Annuity Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity - NJ (11/15)

18956NJ NJ

21. Annuity Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity - NY (11/15)

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Form Name

Form Number

State

22. Preliminary Contract Summary & Disclosures – New York Life Secure Term Choice Fixed Annuity - WI (11/15)

18962 WI

23. Agents Statement for Fixed Annuity (11/15) 18990 AK, AR, AZ, CA, CO, CT, DC, DE, GA, 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, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY 24. Agents Statement for Fixed Annuity - AL (11/15) 18990AL AL

25. Agents Statement for Fixed Annuity - FL (11/15) 18990FL FL 26. Agents Statement for Fixed Annuity - NY (11/15) 18990NY NY 27. PPW for the New York Life Clear Income Fixed Annuity

(12/15)

19030 General

28. Client Profile and Policy Disclosure Form – Deferred Fixed Annuity (11/15)

19040 General

29. Supplement to Deferred Fixed Annuity Client Profile and Policy Disclosure Form (11/15)

19040SUPP General

30. Client Profile & Policy Disclosure Form for NYL Future Mutual Income Annuity (07/15)1

19041 AK, AZ, AR, CA, CT, DE, DC, FL, GA, HI, IN, KS, KY, LA, MD, ME, MA, MI, MN, MS, MO, MT, NC, NE, NJ, NV, NH, NM, ND, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY 31. Supplement to NYL Future Mutual Income Annuity Policy

Disclosure (07/15)1

19041SUPP AK, AZ, AR, CA, CT, DE, DC, FL, GA, HI, IN, KS, KY, LA, MD, ME, MA, MI, MN, MS, MO, MT, NC, NE, NJ, NV, NH, NM, ND, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY 1_{Add CA, IN, ME, NC, NJ, RI, SC to the form}

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Issue 49 A4 - 4 Dec. 7, 2015

Form Name

Form Number

State

32. Client Profile & Policy Disclosure Form for New York Life Lifetime Mutual Income Annuity (07/15)5

19042 AK, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

33. Supplement to Lifetime Mutual Income Annuity Policy Disclosure Form (07/15)5

19042SUPP AK, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

34. Contract Summary & Disclosure – New York Life Lifetime Mutual Income Annuity (07/15)5

19050 AK, AZ, CA, DC, FL, IL, KS, IL, KY, MD, ME, MI, MO, MN, MS, MT, NC, NE, NH, NM, NV, ND, OK, RI, SC, SD, TN, TX, UT, WA, WI, WY 35. Contract Summary & Disclosure Future Mutual Income

Annuity (07/15)2

19051 AK, AZ, CA, DC, FL, HI, KS, MD, ME, MI, MN, MO, MT, NH, ND, NE, NM, NV, OK, RI, SC, SD, TN, TX, UT, WA, WY

36. Contract Summary & Disclosure – New York Life Future Mutual Income Annuity - NJ (11/15)

19051NJ NJ

37. Contract Summary & Disclosure – New York Life Future Mutual Income Annuity - NC (11/15)

19051NC NC

38. Agent Statement for NYL Future Mutual Income Annuity (07/15)1

19054 AK, AZ, AR, CA, CT, DE, DC, FL, GA, HI, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MO, MT, NC, NE, NJ, NV, NH, NM, ND, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

1_{Add CA, IN, ME, NC, NJ, RI, SC to the form} 2_{Add CA, ME, RI, SC to the form}

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Form Name

Form Number

State

39. Agent Statement for New York Life Lifetime Mutual Income Annuity (07/15)5

19055 AK, AR, AZ, CA, CT, DC, DE, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

40. Civil Union Disclosure Form – NJ (11/15) 19074 NJ

41. New York Life Worksite Agreement Form (11/15) 21237 General 42. New Group Arrangement Number Setup Form (11/15) 21242 General 43. New York Life Deferred Variable Annuity Application Kit

(11/15)

213-A203NY NY

44. Employee Whole Life Insurance Application – NY (11/15) 214-555NY NY 45. New York Life Guaranteed Future Income Annuity

Application Kit – NY (10/15)

214-A100NY NY

46. New York Life Deferred Fixed Annuity Application Kit (11/15) 214-AA10 CA, DC, DE, ND, SD 47. New York Life Deferred Fixed Annuity Application Form

(11/15)

214-AA10 CA, CT, DC, DE, ND, SD 48. New York Life Deferred Fixed Annuity Application Kit – CT

(11/15)

214-AA10CT CT

49. New York Life Deferred Fixed Annuity Application Kit – FL (11/15)

214-AA10FL FL

50. New York Life Deferred Fixed Annuity Application Form – FL (11/15)

214-AA10FL FL

51. New York Life Deferred Fixed Annuity Application Kit – NY (11/15)

214-AA10NY NY

52. New York Life Deferred Fixed Annuity Application Form - NY (11/15)

214-AA10NY NY

53. NYL Guaranteed Lifetime Income Annuity & Guaranteed Period Income Annuity Application Kit – NY (11/15)

214-AA30NY NY

54. Individual Life Insurance Application – Part I - NY (11/15) 215-500NY NY 5_{Add IL, ME, RI to the form}

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Issue 49 A4 - 6 Dec. 7, 2015

Form Name

Form Number

State

55. NYL Future Mutual Income Annuity Application Kit (07/15)3 _215-AA51 _{CA, DC, DE, ND, SD}

56. NYL Future Mutual Income Annuity Application Form (07/15)3

215-AA51 CA, DC, DE, ND, SD 57. Authorization for Disclosure Statement - NY (06/15) 22032 NY

58. Regulation 60 Important Notice Regarding Replacement – NY (05/15)

22033 NY

59. Life Reg 60 Instructions - NY (11/15) 22036 NY

60. Annuity Reg 60 Instructions- NY (11/15) 22037 NY

61. Definition of Replacement Form – NY (05/15) 22038.31 NY 62. Investment Protection Plan (IPP)/IPP II)/Guaranteed Invest

Protection Rider(GIPR/GIPR 2.0) Svc Form (12/15)

22204 General

63. Pinnacle Partial Surrender Request Form (12/15) 22400 General 64. Notice to Applicant Regarding Replacement of Individual

Accident & Sickness or Long Term Care Ins. (10/15)

22441DC DC

65. Transfer of Ownership/Designation of Successor Owner (Variable & Fixed Annuities Kit) (12/15)

22599 General

66. Reg 60 Unit Submission Form - NY (11/15) 23008 NY

67. Withdrawal or Payment Acceleration Request Form for Guaranteed Period Income Annuity (12/15)

23092 General

68. Worksite Group Setup (11/15) 23287 General

69. Full Surrender Request Form (12/15) 4377F General

70. Request for Transcript of Tax Return (09/15) 4506-T General 71. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) (11/15)

ICC14-AA10 AK, AZ, CO, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, OR, RI, SC, TN, TX, UT, VT, WA, WI, WV, WY 3_{Add CA to the form}

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Form Name

Form Number

State

72. New York Life Deferred Fixed Annuity Application Form (Interstate Compact) (11/15)

ICC14-AA10 AK, AR, AZ, CO, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY 73. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) - AL (11/15)

ICC14-AA10AL AL 74. New York Life Deferred Fixed Annuity Application Form

(Interstate Compact) - AL (11/15)

ICC14-AA10AL AL 75. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) - AR (11/15)

ICC14-AA10AR AR 76. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) - NJ (11/15)

ICC14-AA10NJ NJ 77. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) - PA (11/15)

ICC14-AA10PA PA 78. New York Life Deferred Fixed Annuity Application Kit

(Interstate Compact) - VA (11/15)

ICC14-AA10VA VA

79. New York Life Future Mutual Income AnnuityApplication Kit (Interstate Compact) (07/15)4

ICC15-AA51 AK, AZ, GA, HI, IN, KS, LA, MA, MD, ME, MI, MO, MN, MT, NC, NE, NH, NM, NV, OK, RI, SC, TN, TX, UT, WA, WI, WY

80. New York Life Future Mutual Income AnnuityApplication Form (Interstate Compact) (07/15)4

ICC15-AA51 AK, AR, AZ, GA, HI, IN, KS, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, OK, RI, SC, TN, TX, UT, VA, WA, WI, WY

81. New York Life Future Mutual Income AnnuityApplication Kit (Interstate Compact) (11/15)

ICC15-AA51NJ NJ

82. New York Life Lifetime Mutual Income Annuity Application Kit (Interstate Compact) (07/15)5

ICC15-AA52 AK, AZ, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MN, MT, NE, NH, NJ, NM, NV, OK, RI, SC, TN, TX, UT, WA, WI, WY

4_{Add IN, ME, NC, NJ, RI, SC to the form} 5_{Add IL, ME, RI to the form}

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Issue 49 A4 - 8 Dec. 7, 2015

Form Name

Form Number

State

83. New York Life Lifetime Mutual Income Annuity Application Form (Interstate Compact) (07/15)5

ICC15-AA52 AK, AR, AZ, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MN, MD, MT, NC, NE, NH, NJ, NM, NV, OK, RI, SC, TN, TX, UT, VA, WA, WI, WY

84. Premiere Select IRA Recharacterization Request Form (09/15)

IS143 General

85. Premiere Select IRA Periodic Distribution Request Form (09/15)

IS77 General

86. Restrict Stock Processing Setting Expectations & Best Practices recommendations Questionnaire Coversheet (09/15)

IS79 General

87. New York Life Future Mutual Income AnnuitySuitability Form (07/15)1

PARGFIA AK, AR, AZ, CA, CT, DE, DC, FL, GA, HI, IN, KS, KY, LA, MD, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

88. New York Life Lifetime Mutual Income Annuity Suitability Form (07/15)5

PARGLIA AK, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

89. Notice of Proposed Sale of Securities (09/15) SEC 144 General

1_{Add CA, IN, ME, NC, NJ, RI, SC to the form} 5_{Add IL, ME, RI to the form}

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The following forms have been deleted:

Form Name

Form Number

State

90. Premiere Select IRA Periodic Distribution Request Form (11/11)

1.786521.107 General 91. Accumulation Value Protection Plan (AVPP)/IPP

II)/Guaranteed Invest Protection Rider(GIPR/GIPR 2.0) Svc Form (12/15)

22204OR OR

92. Pinnacle Premium Allocation Form (05/04) 22283 General 93. Pinnacle Premium Allocation Form - ND (05/04) 22283.10 ND 94. Pinnacle Premium Allocation Form - TX (05/04) 22283.11 TX 95. Pinnacle Premium Allocation Form - VT (05/04) 22283.12 VT 96. Pinnacle Premium Allocation Form - NY (05/04) 22283.13 NY 97. Pinnacle Premium Allocation Form - PA (05/04) 22283.16 PA 98. Pinnacle Premium Allocation Form - VA (05/04) 22283.32 VA 99. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Individual Policy) (10/05)

22345-Alex Brown All states except MD, OR

100. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts – Alex Brown (Individual Policy) - MD (10/05)

22345.40-Alex Brown MD 101. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Individual Policy) - OR (10/05)

22345OR OR

102. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts – Alex Brown (Group Certificate) (10/05)

22382-Alex Brown All states except TX, NY, PA, NE, VA 103. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Group Certificate) - TX (10/05)

22382.11-Alex Brown TX 104. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Group Certificate) - NY (10/05)

22382.13-Alex Brown NY 105. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Group Certificate) – PA, NE (10/05)

22382.16-Alex Brown PA, NE 106. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts – Alex Brown (Group Certificate) - VA (10/05)

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Issue 49 A4 - 10 Dec. 7, 2015

Form Name

Form Number

State

107. NYLIAC PPVUL Retention Only Risk Class Disclosure Form (Certificate) (10/08)

22839CERT General

108. NYLIAC PPVUL Retention Only Risk Class Disclosure Form (Individual) (10/08)

22839IND General

109. NYLIAC PPVUL Policy Delivery Receipt (Certificate) (10/08) 22839CERT General 110. NYLIAC PPVUL Policy Delivery Receipt (Individual) (10/08) 22839IND General 111. Premium Allocation for NYLIAC Pinnacle PPVUL Separate

Accounts Form (Group Certificate) (05/11)

22903 General

112. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - AK (05/11)

22903AK AK

113. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - CO (05/11)

22903CO CO

114. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - MO (05/11)

22903MO MO

115. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - MT (05/11)

22903MT MT

116. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - NE (05/11)

22903NE NE

117. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - NH (05/11)

22903NH NH

118. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - PA (05/11)

22903PA PA

119. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - TX (05/11)

22903TX TX

120. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Group Certificate) - VA (05/11)

22903VA VA

121. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Individual Policy) (05/11)

22904.5.19 General

122. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Individual Policy) - FL (05/11)

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Form Name

Form Number

State

123. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Individual Policy) - ID (05/11)

22904ID ID

124. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Individual Policy) - NY (05/11)

22904NY NY

125. Premium Allocation for NYLIAC Pinnacle PPVUL Separate Accounts Form (Individual Policy) - VT (05/11)

22904VT VT

126. Regulation 60 – Life Instructions - NY (09/11) 23009 NY 127. Regulation 60 – Annuity Instructions - NY (09/11) 23010 NY

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