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Fixed Indexed Annuity

IndexFlex Fixed Annuity - FP Series (5-year)

New York Life

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8.75%

Best S&P 500 Annual Cap

Product data status: updated regularly

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.

Model this product

See what IndexFlex Fixed Annuity - FP Series (5-year) would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$303,603
Est. value at age 80 (IndexFlex Fixed Annuity - FP Series (5-year))
2
Broad-market strategies
S&P 500 Index — 8.75% Cap (Annual · 5-yr term)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies IndexFlex Fixed Annuity - FP Series (5-year)'s published cap rate (8.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how IndexFlex Fixed Annuity - FP Series (5-year) compares for your age, state, premium, and income goals alongside other New York Life fixed indexed annuity options.

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rate data

Run numbers for IndexFlex Fixed Annuity - FP Series (5-year)

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this New York Life product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap rate

8.75% cap on S&P 500

A New York Life accumulation FIA with five-year and seven-year versions, recognizable S&P 500 and Russell 2000 strategies, premium-banded pricing, and no published lifetime-income rider.

5-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want recognizable index choices, can hold through the selected surrender period, and will compare the exact term and premium band that applies to their deposit.

AM Best

A++ Superior

Surrender period

5 years

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.2% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

+ 6 additional crediting options (Russell 2000...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The contract offers annual point-to-point cap and performance-trigger choices on both the S&P 500 and Russell 2000 alongside a fixed account.
  • Separate five-year and seven-year versions let buyers match the index-crediting menu to different planned holding periods.
  • Published pricing uses premium bands, so the page can show how the same strategy changes across deposit sizes without collapsing the bands.
  • A free-withdrawal allowance and disability, nursing-home, and terminal-illness waivers provide named ways to access value during the surrender period.

What to confirm

  • This is an accumulation-focused fixed indexed annuity, not a guaranteed-lifetime-income product; the current data publishes no income rider.
  • Caps and trigger rates can change after their crediting period, so a current illustration is not a promise that today's renewal terms will continue.
  • The five-year and seven-year contracts carry different surrender commitments, and market value adjustment treatment can depend on the issued version and jurisdiction.
  • Premium-banded pricing means a strategy shown for one deposit size may not apply to a smaller or larger contribution.

Not ideal for

Buyers who need guaranteed lifetime withdrawals, a permanently fixed renewal rate, unrestricted early liquidity, or a plain declared-rate contract without index-crediting choices.

Free Comparison Report

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See how IndexFlex Fixed Annuity - FP Series (5-year) compares for your age, state, premium, and income goals alongside other New York Life fixed indexed annuity options.

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All crediting strategies

View rate listings (13 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Fixed: 3.2% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Cap: 9.5% · 5-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 8.25% · 5-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Cap: 9.05% · 5-yr

Russell 2000 Index

cap

5-yr surrender$50,000 - $99,999.99

Cap: 8.35% · 5-yr

S&P 500 Index

cap

5-yr surrender$50,000 - $99,999.99

Trigger: 7.8% · 5-yr

Russell 2000 Index

trigger

5-yr surrender$50,000 - $99,999.99

Trigger: 7.05% · 5-yr

S&P 500 Index

trigger

5-yr surrender$50,000 - $99,999.99

Cap: 8.7% · 5-yr

Russell 2000 Index

cap

5-yr surrenderUp to $49,999.99

Cap: 8% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $49,999.99

Trigger: 7.45% · 5-yr

Russell 2000 Index

trigger

5-yr surrenderUp to $49,999.99

Trigger: 6.7% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $49,999.99

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about IndexFlex Fixed Annuity - FP Series (5-year)

● Can I lose money in IndexFlex Fixed Annuity - FP Series (5-year)?

A negative index return by itself does not reduce the contract's account value: IndexFlex Fixed Annuity - FP Series (5-year) credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do IndexFlex Fixed Annuity - FP Series (5-year)'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available IndexFlex Fixed Annuity - FP Series (5-year) strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA++
FitchAAA
Moody'sAa1
S&PAA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

IndexFlex Fixed Annuity - FP Series (5-year) currently shows 13 indexed or fixed crediting options, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.75% annual cap
  • S&P 500 Index: 8% annual cap
  • S&P 500 Index: 8.35% annual cap
  • S&P 500 Index: 7.5% annual trigger rate

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product information for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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See how IndexFlex Fixed Annuity - FP Series (5-year) compares for your age, state, premium, and income goals alongside other New York Life fixed indexed annuity options.

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