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The mutual funds and variable insurance products that may be referred to onthis site or on the New York Life Insurance Company corporate site may beoffered or sold only to persons in the United States. New York Life is licensedto sell life and health insurance in all 50 states. Please be sure to verifythe individual agents state insurance licensing information on this site.

Securities products are offered by NYLIFE Securities Inc., MemberNASD & SIPC licensed to sell securities and variable insurance products inall 50 states. Be sure to refer toindividual agent information on state securities licensing on this site. Pleasecall 1-800-624-6782 or contact the agent referenced on this site for a freeprospectus, which contains more complete information on applicable fees,charges and expenses, and share classes for each mutual fund referenced on thissite. For a free variable insurance product prospectus distributed by NYLIFEDistributors Inc., Member NASD, please call 1-800-598-2019.

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