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PRIVACY AND OTHER POLICIES


CUSTOMER PRIVACY NOTICE


(Last Updated: March 2021)

OUR INFORMATION PRACTICES

This Privacy Notice applies to information collected in connection with
financial products or services you obtain or seek to obtain from members of the
New York Life Family of Companies* that are subject to the Gramm-Leach-Bliley
Act. This Privacy Notice applies to the annuity that you purchased through a
bank or broker-dealer. You may receive a separate privacy notice from the person
or firm through which you purchased your annuity. If you have purchased other
products from the New York Life Family of Companies*, you may also receive a
separate privacy notice from us specific to that product. We encourage you to
review each privacy notice, as they may differ from this Notice.

 

TYPES OF INFORMATION WE COLLECT:


In the normal course of business, we may collect:

 * Information requested on applications and other forms (including name,
   address, email address, phone number, date of birth, Social Security number,
   and financial and other household information);
 * Data about your transactions (such as the prod¬ucts you purchase and your
   account status);
 * Information from outside sources such as public information;
 * Information gathered from our websites, such as through online forms, site
   visit data and internet collection devices (“cookies”);
 * Information collected from consumer reporting agencies; and
 * Health information as required collected with your permission.

 

SAFEGUARDING YOUR INFORMATION

We maintain physical, electronic and procedural safeguards that meet state and
federal regulations. Access to customer information is limited to people who
need the information to perform their job responsibilities.

 

HOW WE USE YOUR INFORMATION

We may share the information we collect about you as allowed by law, including
for normal business administration and related business activities. The
information may be shared with:

 * Our affiliates, such as brokers, dealers, transfer agents and investment
   advisors; and
 * Non-affiliates, such as banks, third parties that perform research and
   marketing functions for us or service providers that administer our products
   and process your transactions with us. We require these companies to meet
   strict privacy standards.


We may disclose information we collect about you when permitted or required by
law, such as to:

 * Respond to a subpoena;
 * Prevent fraud;
 * Comply with legal requirements; or
 * Respond to a government inquiry.

 

If you are an investment advisory service customer, we may share your
information with third parties who help us service your investment and financial
services need.

We will never share your health information with third parties for marketing
purposes.

The accuracy of your information is important to us. You have the right to
access and seek correction of your information, and we will respond to your
request in accordance with applicable law. We will follow the privacy law in
your state if that law is different than the policy described in this Privacy
Notice.


INFORMING CUSTOMERS ABOUT PRIVACY

This Privacy Notice was last updated in March 2021. Customers will receive our
Privacy Notice at least once a year, as long as they are a policyholder or
client. You can receive additional copies of our Privacy Notice by printing this
page or you can write to:

NYL Annuities - TPD
Mail Code 7390
P.O. Box 7247
Philadelphia, PA 19170-7390



Please call our Annuity Service Center toll free at (800) 762-6212 for
additional information about this privacy notice.


 

* The New York Life Family of Companies (also referred to as "the New York Life
Family," "we," "our," or "us" throughout this notice) currently includes the
following affiliates and funds:

New York Life Insurance Company

New York Life Insurance and Annuity Corporation

New York Life Investment Management LLC

New York Life Enterprises LLC

Ausbil Investment Management Limted

Candriam Belgium SA

Candriam France S.A.S.

Candriam Luxembourg S.C.A.

Eagle Strategies LLC

Goldpoint Partners LLC

IndexIQ, LLC

Kartesia Management SA

Life Insurance Company of North America

MacKay Shields LLC

Madison Capital Funding LLC

The MainStay Funds

MainStay Funds Trust

MainStay MacKay DefinedTerm Municipal Opportunities Fund

MainStay VP Funds Trust

PA Capital LLC

New York Life Group Insurance Company of NY

New York Life Investment Management Asia Limited

New York Life Investments Alternatives

New York Life Trust Company

NYLIFE Distributors LLC

NYLIFE Insurance Company of Arizona

NYLIFE Securities LLC

NYLIM Service Company LLC

NYLINK Insurance Agencies, Inc.

NYL Investors LLC

Tristan Capital Partners

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This material is being provided for informational purposes only, and was not
prepared, and is not intended, to address the needs, circumstances and
objectives of any of individual or groups of individuals. New York Life, its
affiliates, employees and agents are not making a recommendation that any of
your particular clients purchase any specific products, and do not provide tax
or legal advice.

Annuities are long-term financial products used for retirement purposes.
Annuities contain certain fees and charges and there are risks, restrictions,
and limitations to consider. Variable annuities are subject to market risk
including possible loss of principal. Withdrawals or surrenders may be subject
to ordinary income taxes and, if made prior to age 59½, may be subject to a 10%
IRS penalty. Guarantees are based on the claims-paying ability of New York Life
Insurance and Annuity Corporation (NYLIAC).

Clients should consider the charges, risks, expenses, and investment objectives
carefully before purchasing a variable annuity. The product and fund
prospectuses contain this and other information and can be obtained from a
financial professional. Clients should read the prospectuses carefully before
investing or sending money.

New York Life Variable Annuities are issued by New York Life Insurance and
Annuity Corporation (“NYLIAC”), a Delaware Corporation. NYLIFE Distributors LLC,
Member FINRA/SIPC, is the wholesale distributor and underwriter for these
products. Both NYLIAC and NYLIFE Distributors LLC are wholly-owned subsidiaries
of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.
Variable annuities offered through properly licensed registered representatives
of a third party registered broker dealer.

Income annuities and deferred annuities are issued by New York Life Insurance
and Annuity Corporation (a Delaware Corporation), 51 Madison Avenue, New York,
NY 10010.

 * © 2000-2022. New York Life Insurance Company, 51 Madison Avenue, New York, NY
   10010. 212-576-7000. All rights reserved.
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