Registered index-linked annuity · SEC-registered · defined downside design
MarketLock Annuity NY
Issued by The United States Life Insurance Company in the City of New York
AM Best ACan lose value
Segment terms1-year · 3-year · 6-year
Downside choices0% buffer · 10% buffer · 20% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages18–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions1published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer16.75% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 0% buffer | 10% buffer | 20% buffer |
|---|---|---|---|
| S&P 500 | |||
| 1-yearPoint-to-point | — | 16.75% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 12.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20% |
| 1-yearPerformance trigger | — | 10.5% trigger rate Segment detailsMinimum trigger rate: 5%Minimum participation: 100%Minimum buffer: 10% | — |
| 1-yearDual Direction | — | 13% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | — | — | 35% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | 115% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10% | 100% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearDual Direction | — | 110% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10% | 70% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearCap Secure | — | 12% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — |
| 6-yearEnhanced | — | 85% cap Segment detailsMinimum cap: 30%Minimum participation: 101%Minimum buffer: 10% | 70% cap Segment detailsMinimum cap: 24%Minimum participation: 101%Minimum buffer: 20% |
| Nasdaq-100 | |||
| 1-yearPoint-to-point | — | 21% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — |
| 1-yearPerformance trigger | 15% trigger rate Segment detailsMinimum trigger rate: 5%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 1-yearDual Direction | — | 17% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | — | — | 35% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | — | 90% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% |
| MSCI EAFE | |||
| 6-yearPoint-to-point | — | — | 105% participation Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% |
| Russell 2000 | |||
| 6-yearPoint-to-point | — | — | 70% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% |
| Index not published | |||
| 6-yearDual Direction Trigger with Cap | — | — | Not published Segment detailsMinimum buffer: 20% |
| Fixed account | |||
| 1-year · Declared rate | 3.25% fixedSegment detailsMinimum fixed-account rate: 2.9% | ||
Showing 20 of 20 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Cap Secure · 6-year5%Minimum cap
Cap Secure · 6-year100%Minimum participation rate
Declared, no index · 1-year2.9%Minimum fixed-account rate
Dual Direction · 1-year5%Minimum cap
Dual Direction · 1-year100%Minimum participation rate
Dual Direction · 6-year24%Minimum cap
Dual Direction · 6-year100%Minimum participation rate
Enhanced · 6-year24%Minimum cap
Enhanced · 6-year101%Minimum participation rate
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year5%Minimum trigger rate
Point-to-point · 1-year4%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 3-year12%Minimum cap
Point-to-point · 3-year100%Minimum participation rate
Point-to-point · 6-year24%Minimum cap
Point-to-point · 6-year100%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 18%
Year 28%
Year 37%
Year 46%
Year 55%
Year 64%
After0%
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitReturn of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Analyst notes
Where it stands out
- MarketLock Annuity NY is the New York-only contract and keeps its rates, state availability, and SEC registration separate from the national version.
- The contract publishes indexed segments tied to the S&P 500, Nasdaq-100, MSCI EAFE, and Russell 2000, alongside a fixed account option.
- Buyers can compare conventional point-to-point, performance-trigger, Dual Direction, enhanced, and Cap Secure mechanics across the published segment menu.
- No strategy fee is published on the current indexed rows, so the page does not invent a fee or deduct one from the displayed outcomes.
What to confirm
- This registered index-linked annuity can lose value. A buffer absorbs only the first stated portion of an index loss, and losses beyond it reduce the segment value.
- The current contract data does not publish a minimum premium, so deposit eligibility must be confirmed in the current prospectus and application materials.
- Caps, trigger rates, participation rates, and buffer levels can change when a segment renews; the page separates current terms from contractual renewal limits.
- This New York contract has its own issuer registration and rate menu; the national MarketLock terms are not interchangeable with it.
Best fitNew York buyers seeking tax-deferred market-linked accumulation who understand prospectus-governed risk, can commit through the surrender period, and want to choose how much upside to exchange for a defined first-loss buffer.
Not ideal forBuyers outside New York or anyone who requires principal protection, unrestricted liquidity, a guaranteed fixed return, or an optional lifetime-income rider.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesNot published
PremiumNot published in feed
Issue ages18–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age95 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 20, 2026
Income rider optionsNone published — accumulation only
Death benefitReturn of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Contract open dateNov 17, 2025
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantThe United States Life Insurance Company in the City of New York
SEC CIK0001310558
File numbers333-284520
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
1 published jurisdiction. This contract version is available only in New York.
NY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.