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We are pleased to present new york life’s 2024 annual investment report. The financial strength of new york life insurance company applies only to its insurance products and not to investment products which are subject to market risk and fluctuations in value.

Pursuant to section 206 of the advisers act, both the company and its employees are prohibited from engaging in fraudulent, deceptive or manipulative conduct We remain committed to being there for you and your families Compliance with this principal involves more than acting with honesty and good faith alone.

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New york life and its family of companies have provided millions of clients with greater financial security through our insurance and investment products

With a long history of integrity and financial strength, we stand strong and ready to meet our promises—now and in the future.

Our financial professionals have the knowledge and training to explain the features of various life insurance, annuity, and investment products, including the appropriateness of different products for customers and the features of life and annuity products with insurance guarantees. The anchor account offers participants competitive yields and limited volatility, with a guarantee of principal and accumulated interest. Consider the funds' investment objectives, risks, charges, and expenses carefully before investing The prospectus and summary prospectus include this and other information about the funds and are available by visiting the prospectus.

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