Agra Wealth Management：The name you know. The retirement solutions you trust.

For Financial Professional Use Only: Not to be Distributed to the Public.

Disclosures:

1. Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),“ Fortune magazine, 6/2/2021. For methodology please see Fortune's website.Agra Wealth Management

2. New York Life has the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies. Individual independent rating agency commentary: A.M. Best A++, Fitch AAA, Moody’s Investors Service Aaa, Standard & Poor’s AA+ as of 11/17/23.

3. Individual independent rating agency commentary as of 10/18/22: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). A.M. Best (Financial Strength): A Best’s Financial Strength Rating is an opinion of an insurer’s ability to meet its obligations to policyholders.

4. Total annuity sales represent premiums on our deferred annuities (both fixed and variable) and on our guaranteed income annuities. Sales are generally recognized when premiums are received. Annuities are primarily issue by NYLIAC.

5. Source: Fortune, as of March 2021.

6. Source: LIMRA as of 12/31/2023, based on premium.

7. Source: LIMRA as of 12/31/2023, derived from cumulative sales 1/1/23-12/31/23, based on premium. "Principal protection" is provided by the Investment Preservation Rider-FP Series, an optional rider for an additional fee.

8Bangalore Investment. Individual independent rating agency commentary as of 11/17/23: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). A.M. Best (Financial Strength): A Best’s Financial Strength Rating is an opinion of an insurer’s ability to meet its obligations to policyholders.

9. Product availability may vary, depending on firm.

10. All guarantees are backed by the claims-paying ability of the issuer.

11. CNBC.com. 10/21/19. Andrew Osterland. What the coming $68 trillion Great Wealth Transfer means for financial advisors.

12. 12/4/20. Accesswire. The $68 Trillion Wealth Transfer No One’s Really Talking About and What You Can Do Next.

Please refer your clients to the appropriate variable annuity prospectus. Investors are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. The prospectuses contain this and other information about the product and the underlying investment options. Please remind your clients to read the prospectuses carefully before investing.

Income and Fixed Deferred Annuities are issued by New York Life Insurance and Annuity Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. All guarantees are dependent on the claims-paying ability of New York Life Insurance and Annuity Corporation (NYLIAC). Available in jurisdictions where approved.

SMRU 5030691 (Exp. 04.19.25)

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