【产品手册】纽约人寿NewYorkLife_业务宣传册Brochure_Mutual_Income_.docxVIP

Take your dreams further. New York Life Lifetime MutuaL Income Annuity New York Life Future MutuaL Income Annuity Retire confidentLy with guaranteed income and an opportunity for more. To heLp reach your retirement dreams, consider the powerfuL combination of guaranteed Lifetime income and the opportunity for more income through dividends.1 Whether you need income now, or sometime in the future, we can help you take your dreams further. We offer two annuity products that provide lifetime income and are eligible for dividends (known collectively as Mutual Income Annuities): Lifetime Mutual Income Annuity, a single premium immediate annuity Future Mutual Income Annuity, a deferred income annuity Guaranteed Lifetime income you can count on, no matter what. Mutual Income Annuities provide a base of guaranteed income for your retirement. Income payments start when you need them to, are free from market risk, and are guaranteed by New York Life, the #1 provider of income annuities in the industry.2 These payments are guaranteed for the rest of your life. PLus, enjoy the opportunity for more income by sharing in New York Life’s mutuaLity. Mutual Income Annuities also offer the opportunity to share in annual dividends, if they are declared. You can use dividends to buy additional guaranteed income. New York Life Insurance Company has paid yearly dividends to our life insurance policyholders for over 160 consecutive years.3 As a mutual company, our interests are uniquely aligned with those of our policyholders. How it works. 01.02.Depending on your income needs, you can purchase Mutual Income with a single premium (Lifetime Mutual Income), or fund it flexibly over time (Future Mutual Income). 01. 02. Your guaranteed income payments begin on the date of your choosing within the first year after purchase (Lifetime Mutual Income) or within the first 2–40 years (Future Mutual Income) and last your entire life. 03.Your guaranteed income amount will never go down and is based on