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New York Life Insurance and Annuity Corporation (NYLIAC)
10%
Free W/D
53
Jurisdictions
Product data status: June 23, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this New York Life Insurance and Annuity Corporation (NYLIAC) product.
Available only in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Guam, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming
Live rates shown when this state is selected. This filing is state-restricted, and the current request did not return rate rows for the selected scenario.
Free Comparison Report
See how Clear Income Advantage - FP Series compares for your age, state, premium, and income goals alongside other New York Life Insurance and Annuity Corporation (NYLIAC) fixed indexed annuity options.
Crediting strategies not available for this product
Current crediting strategy details were not returned for this product on this request. Confirm available strategies with the carrier or check back as data refreshes.
Income rider
GLWB
In a year the index falls, Clear Income Advantage - FP Series credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 6.55% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay Clear Income Advantage - FP Series with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.
Annual amount that may be available without surrender charges, subject to contract terms.
Activities of daily living, Nursing home waiver, RMD waiver, Unemployment waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Unemployment waiver, Surrender waivers
brochure
Direct link not published — request the document from the carrier.
Income rider language
Guaranteed Lifetime Withdrawal Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as nylciafctsht.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Clear Income Advantage - FP Series compares for your age, state, premium, and income goals alongside other New York Life Insurance and Annuity Corporation (NYLIAC) fixed indexed annuity options.