For more than 160 years, New York Life Insurance Company's unwavering financial strength and time-tested investment strategies have provided consistent value and solid financial protection for our clients and their families. Since becoming the first American life insurance company to pay a cash dividend to policyholders in the mid-1800s, New York Life has continued to build a history of innovation-enhancing our existing product lines, creating new financial products, and maintaining a diversified portfolio to best accommodate our customers' changing needs and lifestyles. As you seek financial security for yourself and your loved ones, you want the best: A strong and vital company with a competitive product line and a superior sales force that is committed to providing personal attention to your individual needs. Financial Strength: Promises Kept It all begins with financial strength, which allows us to meet our future obligations to policyholders. New York Life Insurance Company and its subsidiary, New York Life Insurance and Annuity Corporation (NYLIAC) have received the highest ratings for financial strength currently awarded to any life insurer by all four major ratings agencies*. We've earned these ratings. Our capital position is one of the strongest in the industry, giving us the financial strength to weather unexpected storms. *Source: Individual third party ratings reports as of 8/8/11. Moody's, Aaa; A.M.Best, A++; Fitch, AAA; and Standard and Poor's, AA+