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New York Life
A New York Life subsidiary issuing annuity contracts for retirement savers who want a large mutual-insurer platform, strong claims-paying ratings, and current fixed-rate, indexed, and income-oriented options.
Financial strength
A++
A.M. Best
AAA
Fitch
AA+
S&P Global
A++ A.M. Best
New York Life and listed subsidiaries carry the highest financial-strength ratings New York Life publishes across the major agencies.
Mutual parent
NYLIAC is part of the New York Life enterprise and issues annuity contracts through the annuity business.
NYLIAC issuer
Income annuities and deferred annuities are issued by New York Life Insurance and Annuity Corporation.
Fixed-rate shelf
Secure Term products are grouped separately from indexed contracts so guarantees are compared on fixed-annuity terms.
Indexed option
IndexFlex products are shown with term choices separated when current product data identifies separate contract terms.
Run live numbers on New York Life products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Clear Income Advantage - FP Series
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Free Comparison Report
Get New York Life's current rate report
Compare New York Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Explore New York Life products
New York Life’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
IndexFlex Fixed Annuity - FP Series (5-year)
Cap Rate
9.25%
IndexFlex Fixed Annuity - FP Series (7-year)
Cap Rate
9.25%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-23. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get New York Life's current rate report
Compare New York Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Choose the New York Life product family by job: indexed growth, fixed-rate guarantees, or income-oriented fixed-annuity context.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
6.55%
Base-growth terms
Not published
no roll-up or income-base bonus returned
Annual fee
0.95%
benefit charge
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$6,550
Shows this income option’s 6.55% guaranteed lifetime withdrawal rate applied to your premium. Current data did not publish a separate income-base roll-up or income-base bonus for this option — confirm base-growth terms in a carrier illustration.
Company overview
What New York Life is
New York Life Insurance and Annuity Corporation is the issuing company for New York Life annuity contracts. Product availability and rates can vary by contract, state, premium, term, and rider election.
June 2026 · New York Life Annuities
New York Life publishes financial-strength ratings for New York Life Insurance Company and listed subsidiaries, including New York Life Insurance and Annuity Corporation.
June 2026 · New York Life ratings page
Scale, labeled
Issuer
NYLIAC
New York Life Insurance and Annuity Corporation issues the annuity contracts shown here when available.
June 2026 · New York Life Annuities
Ratings context
Top tier
New York Life publishes top-tier financial-strength ratings from the major rating agencies for New York Life and listed subsidiaries.
June 2026 · New York Life ratings page
Product data
Current
The product lineup and current rates are refreshed from carrier/product data rather than copied into the profile text.
Current data · Current product/rate data
Issued through the New York Life annuity platform
NYLIAC is the annuity-issuing company connected to New York Life annuity products, with guarantees dependent on the claims-paying ability of the issuer.
June 2026 · New York Life Annuities rate disclosures
Issuer strength and product terms answer different questions: ratings help evaluate claims-paying ability, while each contract page should be checked for current rates, terms, and state availability.
Current data · Current product/rate data
Financial strength
A.M. Best
CurrentA++
Superior financial-strength rating.
June 2026
What makes New York Life different
Strong issuer context
The New York Life annuity platform combines a well-known mutual-insurer parent with NYLIAC as the annuity issuer, so rating and issuer disclosures matter alongside product-level terms.
June 2026 · New York Life Annuities
Fixed and indexed shelf
Secure Term fixed-rate contracts and IndexFlex indexed contracts are separated by product purpose, helping visitors compare guaranteed-rate and index-crediting choices without mixing metrics.
Current data · Current product/rate data
About New York Life annuities
New York Life annuities are issued through New York Life Insurance and Annuity Corporation, with the carrier page focused on issuer strength, product families, and live product availability.
June 2026 · New York Life Annuities
Because rate and rider values can change, the product sections should be reviewed for current IndexFlex, Clear Income Advantage, and Secure Term terms before comparing contracts.
Current data · Current product/rate data
Free Comparison Report
Get New York Life's current rate report
Compare New York Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- New York Life financial-strength ratings — June 2026
- New York Life Annuities - who we are — June 2026
- New York Life Annuities rate disclosures — June 2026
- Current product/rate data — Current data