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Fixed Indexed Annuity

IndexFlex Fixed Annuity - FP Series

New York Life Insurance and Annuity Corporation (NYLIAC)

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10%

Free W/D

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.

Model this product

See what IndexFlex Fixed Annuity - FP Series 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 June 23, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$307,812
Est. value at age 80 (IndexFlex Fixed Annuity - FP Series)
0%
Floor — index losses never reduce value
IndexFlex Fixed Annuity - FP Series
✦
How crediting works: the cap limits the index — but 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's published cap rate (9.25% on Russell 2000 Index) to a 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 June 23, 2026.

Free Comparison Report

Get a IndexFlex Fixed Annuity - FP Series rate report

See how IndexFlex Fixed Annuity - 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.

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Live rate data

Run live numbers for IndexFlex Fixed Annuity - FP Series

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this New York Life Insurance and Annuity Corporation (NYLIAC) product.

Live Product Data

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

AM Best

A++

Free Withdrawal

10%/yr

Surrender options

5 and 7 years

Current Carrier Ratings

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

Product Details

AM Best RatingA++ — Superior
Free Withdrawal10% / year
Surrender options5 and 7 years

Contract flexibility notes

Surrender waivers

  • + Disability waiver
  • + Nursing home waiver
  • + Terminal illness waiver
  • + Surrender waivers

Current rates & strategies

Strategy, term, premium band, and rate details

View rate listings (9 of 50 rows)

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

Fixed: 2.9% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 8.25% · 5-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Cap: 9.25% · 5-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Par: 100% + Fixed: 7.05% · 5-yr

S&P 500 Index

trigger

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

Par: 100% + Fixed: 7.8% · 5-yr

Russell 2000 Index

trigger

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

Cap: 8.8% · 5-yr

Russell 2000 Index

cap

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

Cap: 8.1% · 5-yr

S&P 500 Index

cap

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

Showing 9 of 50 rate listings in this view.

Surrender Charge Schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Free Comparison Report

Get a IndexFlex Fixed Annuity - FP Series rate report

See how IndexFlex Fixed Annuity - 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.

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All crediting strategies

View rate listings (50 rows)

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

Fixed: 2.9% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 8.25% · 5-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Cap: 9.25% · 5-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Par: 100% + Fixed: 7.05% · 5-yr

S&P 500 Index

trigger

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

Par: 100% + Fixed: 7.8% · 5-yr

Russell 2000 Index

trigger

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

Cap: 8.8% · 5-yr

Russell 2000 Index

cap

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

Cap: 8.1% · 5-yr

S&P 500 Index

cap

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

Par: 100% + Fixed: 6.7% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $49,999.99

Par: 100% + Fixed: 7.45% · 5-yr

Russell 2000 Index

trigger

5-yr surrenderUp to $49,999.99

Cap: 8.45% · 5-yr

Russell 2000 Index

cap

5-yr surrenderUp to $49,999.99

Cap: 7.75% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $49,999.99

Par: 100% + Fixed: 7.5% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 8.25% · 7-yr

Russell 2000 Index

trigger

7-yr surrender$100,000+

Cap: 9.25% · 7-yr

Russell 2000 Index

cap

7-yr surrender$100,000+

Cap: 8.5% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Par: 100% + Fixed: 7.05% · 7-yr

S&P 500 Index

trigger

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

Par: 100% + Fixed: 7.8% · 7-yr

Russell 2000 Index

trigger

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

Cap: 8.8% · 7-yr

Russell 2000 Index

cap

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

Cap: 8.1% · 7-yr

S&P 500 Index

cap

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

Par: 100% + Fixed: 6.7% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $49,999.99

Par: 100% + Fixed: 7.45% · 7-yr

Russell 2000 Index

trigger

7-yr surrenderUp to $49,999.99

Cap: 8.45% · 7-yr

Russell 2000 Index

cap

7-yr surrenderUp to $49,999.99

Cap: 7.75% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $49,999.99

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 5-yr

Russell 2000 Index

PT

$100,000+

Cap: 8.75% · 5-yr

Russell 2000 Index

PP

$100,000+

Cap: 8% · 5-yr

S&P 500 Index

PP

$100,000+

Par: 100% + Fixed: 7% · 7-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 7-yr

Russell 2000 Index

PT

$100,000+

Cap: 8.75% · 7-yr

Russell 2000 Index

PP

$100,000+

Cap: 8% · 7-yr

S&P 500 Index

PP

$100,000+

Par: 100% + Fixed: 6.55% · 5-yr

S&P 500 Index

PT

$50,000 - $99,999.99

Par: 100% + Fixed: 7.3% · 5-yr

Russell 2000 Index

PT

$50,000 - $99,999.99

Cap: 8.3% · 5-yr

Russell 2000 Index

PP

$50,000 - $99,999.99

Cap: 7.6% · 5-yr

S&P 500 Index

PP

$50,000 - $99,999.99

Par: 100% + Fixed: 6.55% · 7-yr

S&P 500 Index

PT

$50,000 - $99,999.99

Par: 100% + Fixed: 7.3% · 7-yr

Russell 2000 Index

PT

$50,000 - $99,999.99

Cap: 8.3% · 7-yr

Russell 2000 Index

PP

$50,000 - $99,999.99

Cap: 7.6% · 7-yr

S&P 500 Index

PP

$50,000 - $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

FX

Up to $49,999.99

Par: 100% + Fixed: 6.2% · 5-yr

S&P 500 Index

PT

Up to $49,999.99

Par: 100% + Fixed: 6.95% · 5-yr

Russell 2000 Index

PT

Up to $49,999.99

Cap: 7.95% · 5-yr

Russell 2000 Index

PP

Up to $49,999.99

Cap: 7.25% · 5-yr

S&P 500 Index

PP

Up to $49,999.99

Par: 100% + Fixed: 6.2% · 7-yr

S&P 500 Index

PT

Up to $49,999.99

Par: 100% + Fixed: 6.95% · 7-yr

Russell 2000 Index

PT

Up to $49,999.99

Cap: 7.95% · 7-yr

Russell 2000 Index

PP

Up to $49,999.99

Cap: 7.25% · 7-yr

S&P 500 Index

PP

Up to $49,999.99

Income riders

Lifetime income rider not available for this product

A guaranteed-lifetime-withdrawal (GLWB) rider was not returned for this product. Some carriers offer income features through other mechanics or separate contract versions — confirm income options with the carrier before comparing lifetime income.

Common questions about IndexFlex Fixed Annuity - FP Series

● Can I lose money in IndexFlex Fixed Annuity - FP Series?

In a year the index falls, IndexFlex Fixed Annuity - 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.

● When can I access my money without a surrender charge?

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.

● How does IndexFlex Fixed Annuity - FP Series compare to other FIAs?

Use "Compare against" in the analyzer to overlay IndexFlex Fixed Annuity - 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.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Disability waiver, Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Minimum guaranteed declared rate: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.05%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Disability waiver, Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

TPD_Client_Fact_Sheet_IndexFlex_FIA.pdf

Confidence: highReviewed Apr 9, 2026

Direct link not published — request the document from the carrier.

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 currently shows 29 distinct indexed or fixed crediting choices across 60 current rate listings, including S&P 500 Index, with 14 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: 8.5% cap
  • S&P 500 Index: 7.75% cap
  • S&P 500 Index: 8.1% cap

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 10%/yr free withdrawal
  • 7 surrender years
  • Disability waiver
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as TPD_Client_Fact_Sheet_IndexFlex_FIA.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.

  • 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

Free Comparison Report

Get a IndexFlex Fixed Annuity - FP Series rate report

See how IndexFlex Fixed Annuity - 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.

Get my rate report

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