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Fixed Indexed Annuity

IndexFlex Fixed Annuity - FP Series (5-year)

New York Life

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Product data status: July 31, 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.

Model this product

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

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

Product analyzer
Illustrative — live CANNEX rates as of July 31, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$139,980
Est. value at age 80 (IndexFlex Fixed Annuity - FP Series (5-year))
2
Broad-market strategies
Russell 2000 Index — 9.5% 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 (9.5% on Russell 2000 Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 5-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 31, 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

New York Life Insurance and Annuity Corporation (NYLIAC) — sourced from AdvisorWorld

AM Best

A++

Surrender period

5 years

Current Carrier Ratings

AM Best
A++
S&P
AAA
Moody's
Aa1
S&P
AA+

Product Details

AM Best RatingA++ — Superior
Surrender period5 years

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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: 3.1% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Declared: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 8.25% · 5-yr

Russell 2000 Index

trigger

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+

Par: 100% + Declared: 7.05% · 5-yr

S&P 500 Index

trigger

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

Par: 100% + Declared: 7.8% · 5-yr

Russell 2000 Index

trigger

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

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

Par: 100% + Declared: 6.7% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $49,999.99

Par: 100% + Declared: 7.45% · 5-yr

Russell 2000 Index

trigger

5-yr surrenderUp to $49,999.99

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

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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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++
S&PAAA
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 9 distinct indexed or fixed crediting choices across 13 displayed rate entries, including S&P 500 Index, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.75% 5-year cap
  • S&P 500 Index: 8% 5-year cap
  • S&P 500 Index: 8.35% 5-year cap
  • S&P 500 Index: 100% 5-year participation 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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