New York Life Essentials Variable Annuity Performance ...
New York Life Essentials Variable Annuity Performance Summary As of February 28, 2023
For policies purchased June 2, 2003 to August 15, 2010
To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider the investment objectives, risks, charges and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing. 1 The performance shown is for the indicated classes/shares only. These classes/shares impose a 12b-1 fee (except MainStay VP U.S. Government Money Market, MainStay VP Small Cap Growth -- Initial Class, MainStay VP Janus Balanced -- Initial Class and MainStay VP Natural Resources -- Initial Class). Performance for these classes/shares are lower than the returns for those classes/shares that do not impose a 12b-1 fee. Contact your NYLIFE Securities LLC Registered Representative or call 1800-598-2019 for more information. Investment Division Inception Date is the date in which the Investment Division is first offered in the product. Portfolio Inception Date is the date that the Portfolio in which the Investment Division invests was first offered. 2 Assumes no deduction for contingent deferred sales charge. 3 Volatility/Risk Levels are assigned by New York Life. The Investment Divisions are grouped by risk classifications that reflect performance volatility based on Morningstar classifications as of December 31, 2020. Morningstar is a widely used independent research firm, which ranks mutual funds and other investment companies by overall performance, investment objectives and assets. Policy owners need to keep in mind, as applicable, that equity investments have been volatile historically. Investment options concentrated in bonds fluctuate in value in response to changes in interest rates. High-yield securities are generally considered speculative because they present a greater risk of loss than higher-quality debt securities and may be subject to greater price volatility. Non-US securities are subject to currency fluctuation risks and the risks of political and economic instability in the country of issuance. Investment options which are concentrated in economic sectors may be more volatile than more broadly diversified portfolios. While there is no standard definition, generally "alternative" funds include nontraditional asset classes or strategies and/or illiquid assets. Alternative investments are speculative, can carry substantial risk, and may not be appropriate for all investors. For those investors who are able to bear greater risk in return for the opportunity they provide, alternative investments may be appropriate. 4 The New York Life Essentials Variable Annuity was first offered for sale on May 10, 2002. Certain Portfolios and Investment Divisions existed prior to this date. The performance for MainStay VP Series Fund, Inc. portfolios are based on the Initial Class Portfolio Inception Date (where applicable). The performance for all other investment divisions is based on the Portfolio Inception Date reflected in this performance summary. All performance has been modified to reflect Separate Account and Fund annual expenses as if the policy had been available during the periods shown. The New York Life Essentials Variable Annuity invests in New York Life Insurance and Annuity Corporation (NYLIAC) Variable Annuity Separate Account III. 5 The S&P 500 Index is an unmanaged index and is widely regarded as the standard for measuring Large -Cap U.S. stock market performance. "S&P 500" is a trademark of the McGraw-Hill Companies, Inc. and has been licensed for use by the MainStay VP S&P 500 Index Portfolio. The MainStay VP S&P 500 Index Portfolio is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the MainStay VP S&P 500 Index Portfolio. Investors cannot invest directly in an Index. 6 New allocations to the MainStay VP Small Cap Growth ? Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Small Cap Growth ? Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Small Cap Growth ? Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. 7 New allocations to the MainStay VP Janus Henderson Balanced ? Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Janus Henderson Balanced ? Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Janus Henderson Balanced ? Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. The MainStay VP Janus Henderson Balanced ? Service Class imposes a 12b-1 fee. 8 An Investment in the MainStay VP U.S. Government Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency and there can be no assurance that the Portfolio will be able to maintain a stable net asset value. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The current yield more closely reflects the Portfolio's earnings than the total return figures shown. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. 9 New allocations to the MainStay VP Wellington Growth and MainStay VP Candriam Emerging Markets Equity Investment Divisions wi ll not be accepted from Policyowners who were not invested in the Investment Divisions on November 13, 2017. For existing Policyowners, if you remove all of your Accumulation Value from these Investment Divisions on or after November 13, 2017, you will not be able to reinvest in these Investment Divisions. The Service Class versions of these Investment Divisions impose a 12b-1 fee. 10 New allocations to the Columbia Variable Portfolio - Commodity Strategy Investment Division will not be accepted from Policyowners who were not invested in the Investment Division on November 23, 2 020. For existing Policyowners, if you remove all of your Accumulation Value from this Investment Division on or after November 23, 2020, you will not be able to reinvest in this Investment Division. Performance information less than 1 year has not been annualized. Historically, certain fees have been assumed or reduced by some of the portfolios. Had these expenses not been assumed or reduced, the total return for these Investment Divisions would have been lower. Sales of the New York Life Essentials Variable Annuity have been discontinued. Current policyowners may continue to make premium payments, subject to their contract provisions. Existing policies will continue to be serviced. New York Life Variable Annuities are long-term retirement products issued by New York Life Insurance and Annuity Corporation ("NYLIAC "), a Delaware Corporation, and offered by NYLIFE Securities LLC, (member FINRA/SIPC) a Licensed Insurance Agency. Both NYLIAC and NYLIFE Securities LLC are wholly-owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York 10010. There are fees, guidelines, risks, restrictions and limitations to consider when purchasing variable annuities. For costs and complete details, contact a financial professional. SMRU 1543436
Page 1 of 5
Investment Divisions1
Investment Grade Bond MainStay VP U.S. Government Money Market ? Current 7-day yield is 4.28%8 PIMCO VIT Low Duration Portfolio - Advisor Class American Funds IS The Bond Fund of America? - Class 4 Columbia Variable Portfolio -- Intermediate Bond - Class 2 MainStay VP Bond ? Service Class Fidelity? VIP Investment Grade Bond - Service Class 2 Fidelity? VIP Bond Index ? Service Class 2 MainStay VP MacKay Government ? Service Class MainStay VP PIMCO Real Return ? Service Class PIMCO VIT Income Portfolio - Advisor Class PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class PIMCO VIT Total Return Portfolio - Advisor Class Western Asset Core Plus VIT - Class II Non-Investment Grade Bond
BlackRock? High Yield V.I. Fund ? Class III Shares Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2 MainStay VP Floating Rate ? Service Class MainStay VP MacKay Convertible ? Service Class MainStay VP MacKay High Yield Corporate Bond ? Service Class MainStay VP MacKay Strategic Bond ? Service Class Alternatives
DWS Alternative Asset Allocation VIP - Class B MainStay VP IQ Hedge Multi-Strategy - Service Class Asset Allocation
American Funds IS Asset Allocation Fund - Class 4 BlackRock? Global Allocation V.I. Fund ? Class III Shares Fidelity? VIP FundsManager? 60% -- Service Class MainStay VP Balanced ? Service Class MainStay VP Conservative Allocation ? Service Class MainStay VP Income Builder ? Service Class MainStay VP Janus Henderson Balanced ? Initial Class7 MainStay VP Janus Henderson Balanced ? Service Class MainStay VP Moderate Allocation?Service Class Franklin Templeton Conservative Model Portfolio - Class II Franklin Templeton Moderate Model Portfolio - Class II Franklin Templeton Moderately Aggressive Model Portfolio - Class II Franklin Templeton Moderately Conservative Model Portfolio - Class II Franklin Templeton Aggressive Model Portfolio - Class II MainStay VP Equity Allocation ? Service Class MainStay VP Growth Allocation?Service Class Large Cap Equity
AB VPS Growth & Income - Class B American Funds IS Washington Mutual Investors Fund - Class 4 American Funds IS Growth Fund - Class 4 BNY Mellon Sustainable US Equity - Service Shares ClearBridge Variable Appreciation Portfolio -- Class II Fidelity? VIP Contrafund? ? Service Class 2 Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP Growth Opportunities ? Service Class 2 MainStay VP Epoch U.S. Equity Yield ? Service Class MainStay VP Wellington U.S. Equity ? Service Class MainStay VP Wellington Growth ? Service Class9 MainStay VP S&P 500 Index ? Service Class5 MainStay VP Winslow Large Cap Growth ? Service Class
MainStay VP American Century Sustainable Equity ? Service Class MFS? Investors Trust Series ? Service Class MFS? Research Series ? Service Class Small/Mid Cap Equity
Fidelity? VIP Mid Cap ? Service Class 2 Janus Henderson VIT Enterprise Portfolio ? Service Shares MainStay VP Wellington Mid Cap ? Service Class MFS? Mid Cap Value Portfolio - Service Class Neuberger Berman AMT Mid-Cap Growth ? Class S Invesco V.I. Main Street Small Cap Fund - Series II Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2 Delaware VIP Small Cap Value - Service Class MainStay VP Wellington Small Cap - Service Class MainStay VP Small Cap Growth ? Initial Class6 MainStay VP Small Cap Growth ? Service Class
New York Life Essentials Variable Annuity Performance Summary Average Annual Total Return as of February 28, 2023 (Updated Monthly)
Volatility/ Risk Level3
Portfolio Inception
Date
Investment Division Inception Date1
Month to Date*
Non-Standardized (Assuming No Surrender)2
Year to
Date*
(Updated Monthly)
1 Year4
3 Year4
5 Year4
10 Year4
Since Investment
Division
Inception
1 Year4
Low Low Moderate Moderate Moderate
Moderate
Moderate Moderate Moderate Moderate Moderate Moderate Moderate
01/29/1993 03/31/2006 12/14/2012 05/03/2010 06/02/2003
08/15/2005
04/19/2018 06/02/2003 02/17/2012 04/29/2016 05/01/2014 02/28/2006 05/01/2015
05/01/2015 05/02/2016 05/01/2022 05/01/2022 05/01/2015
05/01/2022
11/23/2020 06/02/2003 02/17/2012 05/01/2020 05/01/2014 05/01/2014 05/01/2022
0.21% -1.01% -2.84% -2.92% -2.69% -2.51%
-2.77% -2.60% -1.56% -1.99% -0.98% -2.65% -3.09%
0.42% -0.06% 0.19% 0.73% 0.48% 0.81%
0.21% 0.31% 0.03% 0.94% 1.01% 0.50% 0.79%
0.49% -5.64% -11.04% -14.53% -12.20% -10.86%
-11.34% -10.18% -11.32% -4.73% -8.25% -12.41% -13.40%
-0.78% -3.16% -4.07% -4.75% -5.60% -4.14%
-5.54% -5.15% -1.27% -1.07% -4.03% -5.20% -5.89%
-0.41% -1.36% -0.41% -0.74% -1.45% -0.45%
N/A -1.89% 0.76% 0.57% -1.04% -1.25% -1.57%
-0.87% -1.12% -0.28% -0.20% -0.63% -0.05%
N/A -1.38% -0.72%
N/A 0.69% -0.58% -0.14%
-0.37% -1.16% -4.48% -6.67% 1.23% -3.89%
-8.19% 0.49% -0.31% 0.82% 0.65% -0.41% -4.78%
-6.51% -12.24% -17.27% -20.51% -18.35% -17.10%
-17.55% -16.47% -17.52% -11.40% -14.67% -18.54% -19.46%
Moderate Moderate Moderate Moderate Moderate Moderate
02/15/2012 04/30/2012 05/01/2005 06/02/2003 06/02/2003 05/01/2011
05/01/2014 05/01/2015 05/01/2005 06/02/2003 06/02/2003 05/01/2011
-1.46% -2.93% 0.18% -1.91% -1.30% -1.38%
2.23% 0.43% 2.67% 1.87% 1.54% 2.16%
-6.32% -9.15% 0.50% -7.59% -5.46% -3.95%
0.19% -5.83% 1.28% 8.70% 0.18% -0.83%
1.44% -2.95% 1.27% 7.36% 1.33% 0.05%
2.42% -0.91% 1.56% 7.92% 2.48% 0.58%
1.78% -0.47% 1.89% 6.61% 4.74% 1.31%
-12.88% -15.51% -6.50% -14.06% -12.08% -10.68%
Moderate 05/18/2009 05/02/2016 -2.56% Moderate 05/01/2013 05/01/2013 -1.90%
0.84% 1.16%
-5.78% -6.48%
2.89% -1.91%
2.35% -1.55%
0.70% N/A
1.72% -2.85%
-12.38% -13.03%
Moderate Moderate
Moderate Moderate Moderate Moderate
Moderate Moderate Moderate Moderate Moderate Moderate Moderate
High High High
12/14/2012 11/18/2003
08/22/2007 05/01/2005 02/13/2006 06/02/2003
02/17/2012 02/17/2012 02/13/2006 05/01/2020 05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006
05/01/2018 05/01/2011
05/01/2019 05/01/2005 02/13/2006 06/02/2003
02/17/2012 02/17/2012 02/13/2006 05/01/2020 05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006
-3.50% -3.63% -2.92% -2.98% -2.18% -3.24% -2.30% -2.32% -2.33% -2.53% -2.79% -3.09% -2.81% -3.17% -2.98% -2.33%
0.59% 1.27% 2.65% 0.07% 2.08% 0.73% 2.13% 2.09% 2.67% 0.74% 1.50% 1.79% 0.86% 2.12% 3.84% 3.59%
-9.18% -10.62% -8.59% -5.33% -7.51% -9.41% -9.67% -9.89% -7.62% -10.11% -9.52% -9.66% -9.23% -9.37% -8.80% -6.82%
4.12% 2.94% 4.25% 6.28% 0.97% 0.96% 4.51% 4.25% 3.08%
N/A N/A N/A N/A N/A 7.40% 5.95%
3.62% 1.97% 3.39% 3.99% 1.14% 1.98% 5.34% 5.07% 1.96%
N/A N/A N/A N/A N/A 3.39% 3.00%
5.91% 3.20% 4.99% 5.12% 2.53% 3.67% 6.77% 6.51% 3.83%
N/A N/A N/A N/A N/A 6.03% 5.20%
4.05% 2.61% 4.00% 4.60% 3.24% 4.30% 6.84% 6.58% 3.86% -1.03% 3.61% 5.71% 2.01% 8.77% 4.65% 4.51%
-15.53% -16.88% -14.99% -11.96% -13.98% -15.75% -15.99% -16.20% -14.09% -16.41% -15.85% -15.98% -15.59% -15.72% -15.19% -13.35%
High High High High High High High High High High
High
High High
High High High
06/01/1999 12/14/2012 12/14/2012 12/31/2000 02/28/2015 01/12/2000 01/12/2000 01/12/2000 06/02/2003 06/02/2003
06/02/2003
06/02/2003 06/02/2003
02/17/2012 05/01/2000 05/01/2000
05/01/2022 11/13/2017 11/13/2017 05/01/2022 05/01/2017 06/02/2003 06/02/2003 05/01/2014 06/02/2003 06/02/2003
06/02/2003
06/02/2003 06/02/2003
02/17/2012 06/02/2003 06/02/2003
-3.25% -3.50% -1.89% -3.05% -2.97% -2.25% -3.67% -1.71% -2.81% -3.29% -2.49%
-2.57% -2.33% -2.75% -4.54% -3.90%
1.87% -1.05% 8.46% 2.75% 0.14% 3.61% -0.11% 8.79% -1.13% 2.16% 6.45%
3.38% 4.64% 3.04% 0.45% 1.41%
-1.62% -5.67% -14.41% -12.40% -6.76% -14.24% -4.03% -21.66% -1.21% -12.31% -18.65%
-9.35% -16.68% -7.10% -9.59% -9.49%
11.58% 10.35% 11.21% 7.95% 9.27% 8.03% 10.35% 7.37% 7.94% 8.14% 5.14%
10.13% 6.95% 9.67% 8.17% 7.69%
6.71% 5.02% 10.00% 7.89% 7.75% 7.18% 6.66% 11.83% 5.66% 5.39% 4.42%
7.83% 7.75% 4.90% 6.40% 6.91%
9.06% 8.70% 12.19% 9.05% 9.26% 9.40% 7.62% 13.63% 6.52% 9.05% 7.77%
10.13% 10.96% 7.01% 8.87% 9.26%
1.88% 5.94% 10.84% -5.90% 8.56% 8.28% 6.09% 12.45% 5.99% 6.96% 5.45%
7.36% 7.57% 7.57% 7.08% 7.56%
-8.50% -12.27% -20.40% -18.54% -13.29% -20.24% -10.75% -27.14% -8.13% -18.45% -24.35%
-15.69% -22.52% -13.60% -15.92% -15.83%
High High High High High Highest Highest Highest Highest Highest Highest
01/12/2000 12/31/1999 06/02/2003 03/07/2008 02/18/2003 07/16/2001 06/01/2000 05/01/2000 05/02/2016 02/17/2012 02/17/2012
09/08/2003 11/13/2017 06/02/2003 05/01/2020 06/02/2003 05/01/2020 11/15/2004 11/13/2017 05/02/2016 02/17/2012 02/17/2012
-1.98% -1.38% -2.77% -3.09% -0.50% -0.77% -2.01% -2.16% -2.03% -1.52% -1.54%
6.21% 7.52% 6.39% 3.95% 5.62% 7.37% 8.64% 6.24% 7.32% 6.88% 6.84%
-4.20% -3.91% -9.43% -3.92% -15.27% -5.45% -0.41% -6.61% -10.89% -11.19% -11.41%
12.94% 9.07% 6.76% 11.89% 5.96% 12.49% 16.58% 11.61% 6.86% 7.48% 7.21%
5.15% 8.45% 2.74% -7.11% 5.70% 7.46% 6.00% 4.52% 0.79% 5.00% 4.74%
8.10% 11.62% 7.02% 1.09% 8.30% 8.78% 8.13% 7.22%
N/A 7.30% 7.03%
8.51% 9.21% 7.41% 18.96% 8.10% 19.09% 6.51% 4.33% 4.38% 7.12% 6.86%
-10.91% -10.64% -15.77% -10.65% -21.20% -12.07% -7.38% -13.15% -17.13% -17.40% -17.61%
Page 2 of 5
Standardized (Assuming Surrender)
3 Year4
5 Year4
10 Year4
Since Investment
Division
Inception
-3.15% -5.47% -6.36% -7.03% -7.85% -6.43%
-7.80% -7.41% -3.63% -3.43% -6.32% -7.47% -8.13%
-1.64% -2.58% -1.63% -1.96% -2.66% -1.67%
N/A -3.10% -0.43% -0.64% -2.25% -2.46% -2.78%
-0.87% -1.12% -0.28% -0.20% -0.63% -0.05%
N/A -1.38% -0.72%
N/A 0.69% -0.58% -0.14%
-0.37% -1.75% -11.17% -13.20% 1.23% -10.62%
-11.07% 0.49% -0.31% -1.67% 0.65% -0.41% -11.45%
-2.19% -8.08% -1.04% 6.69% -2.20% -3.20%
0.63% -4.25%
1.92% 0.69% 2.06% 4.18% -1.38% -1.39% 2.33% 2.06% 0.84%
N/A N/A N/A N/A N/A 5.34% 3.83%
0.28% -4.14% 0.10% 6.44% 0.17% -1.18%
1.24% -2.76%
2.56% 0.84% 2.32% 2.94% -0.03% 0.84% 4.34% 4.07% 0.83%
N/A N/A N/A N/A N/A 2.32% 1.91%
2.42% -0.91% 1.56% 7.92% 2.48% 0.58%
0.70% N/A
5.91% 3.20% 4.99% 5.12% 2.53% 3.67% 6.77% 6.51% 3.83%
N/A N/A N/A N/A N/A 6.03% 5.20%
1.78% -0.47% 1.89% 6.61% 4.74% 1.31%
1.18% -2.85%
2.96% 2.61% 2.57% 4.60% 3.24% 4.30% 6.84% 6.58% 3.86% -3.53% 1.24% 3.43% -0.43% 6.61% 4.65% 4.51%
9.67% 8.40% 9.29% 5.91% 7.28% 5.99% 8.40% 5.31% 5.90% 6.11% 2.99%
8.17% 4.87% 7.70% 6.13% 5.64%
5.76% 4.01% 9.16% 6.99% 6.84% 6.26% 5.72% 11.05% 4.68% 4.40% 3.39%
6.93% 6.84% 3.89% 5.45% 5.98%
9.06% 8.70% 12.19% 9.05% 9.26% 9.40% 7.62% 13.63% 6.52% 9.05% 7.77%
10.13% 10.96% 7.01% 8.87% 9.26%
-5.12% 5.19% 10.23% -12.48% 7.97% 8.28% 6.09% 12.45% 5.99% 6.96% 5.45%
7.36% 7.57% 7.57% 7.08% 7.56%
11.08% 7.07% 4.68% 10.00% 3.84% 10.62% 14.83% 9.70% 4.78% 5.42% 5.14%
4.15% 7.57% 1.63% -8.26% 4.72% 6.55% 5.03% 3.50% -0.40% 3.99% 3.72%
8.10% 11.62% 7.02% 1.09% 8.30% 8.78% 8.13% 7.22%
N/A 7.30% 7.03%
8.51% 8.55% 7.41% 17.14% 8.10% 17.27% 6.51% 3.53% 3.91% 7.12% 6.86%
International/Global Equity
American Funds IS Global Small Cap Fund? ? Class 4 Fidelity? VIP International Index -- Service Class 2
High High
12/14/2012 05/01/2015 -2.33% 04/16/2018 05/01/2019 -4.27%
6.49% 3.78%
-15.08% -8.65%
2.41% 3.16%
2.29% N/A
4.96% N/A
3.24% 1.35%
-21.03% -15.04%
0.13% 0.92%
Invesco V.I. EQV International Equity Fund - Series II
High 09/19/2001 05/01/2014 -3.11%
5.62%
-7.36%
3.08%
1.08%
2.98%
1.59%
-13.85%
0.84%
Janus Henderson VIT Global Research Portfolio ? Service Shares
High 12/31/1999 06/02/2003 -2.35%
5.26%
-8.69%
7.35%
5.69%
7.24%
5.26%
-15.08%
5.28%
MainStay VP MacKay International Equity ? Service Class MFS? International Intrinsic Value Portfolio ? Service Class MFS? VIT Research International - Service Class
High High High
06/02/2003 06/02/2003 08/31/2001 05/01/2017 08/24/2001 05/01/2022
-3.18% -3.00% -3.73%
3.96% 5.10% 3.72%
-13.42% -10.03% -7.84%
2.63% 3.39% 3.94%
1.29% 2.70% 1.76%
3.59% 6.05% 3.01%
4.43% 4.20% -0.01%
-19.48% -16.32% -14.29%
0.37% 1.16% 1.74%
American Funds IS New World Fund - Class 4
Highest 12/14/2012 05/01/2014 -3.98%
3.14%
-11.42%
2.85%
0.86%
2.84%
2.29%
-17.62%
0.60%
Fidelity? VIP Emerging Markets ? Service Class 2 MainStay VP Candriam Emerging Markets Equity ? Service Class9
Sector
Highest 01/23/2008 05/01/2018 -7.57% Highest 02/17/2012 02/17/2012 -7.80%
1.03% 0.66%
-14.55% -24.59%
2.41% -2.78%
-0.04% -5.44%
2.81% -2.60%
0.65% -2.55%
-20.53% -29.87%
0.13% -5.10%
Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 210 MainStay VP Fidelity Institutional AM? Utilities ? Service Class
High High
04/30/2013 05/01/2015 -4.69% 02/17/2012 02/17/2012 -5.76%
-4.62% -8.20%
-2.17% -0.26%
17.16% 4.59%
4.81% 6.30%
N/A 5.30%
0.74% 5.94%
-9.02% -7.25%
15.43% 2.41%
Morgan Stanley VIF U.S. Real Estate - Class II
High 11/05/2002 05/01/2013 -4.20%
5.10%
-16.43%
-1.91%
0.21%
1.82%
0.96%
-22.28%
-4.25%
MainStay VP CBRE Global Infrastructure -- Service Class
High 05/01/2015 05/01/2015 -4.45%
-0.71%
-5.39%
3.04%
-6.56%
N/A
-5.24%
-12.01%
0.79%
BNY Mellon IP Technology Growth ? Service Shares Fidelity? VIP Health Care -- Service Class 2 MainStay VP Natural Resources ? Initial Class
Highest 12/29/2000 06/02/2003 Highest 07/18/2001 05/01/2019 Highest 02/17/2012 02/17/2012
-4.23% -4.20% -4.76%
11.30% -1.83% 2.14%
-28.49% -3.37% 15.73%
2.62% 6.47% 32.29%
3.52% 7.13% 10.82%
10.11% 12.13% 2.27%
7.73% 8.12% 1.16%
-33.50% -10.13% 8.73%
0.35% 4.37% 30.95%
Please read the important disclosures below regarding the product performance.
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volat ility, current performance may be lower or higher than the figures shown. The investment return and
the Accumulation Value of your policy will fluctuate so that a policy, when surrendered may be worth more or less than the pr emium payment(s). For current to the most recent month-end performance information, please call 1-800-
598-2019 or visit .
All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.45% and Fund Company
Expenses. An Annual Policy Service Charge of $30 is not included, but will be deducted each year from the policy's Accumulat ion Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than
$50,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $50,000. Charges for any optional riders, if reflected, would reduce the performance shown.
Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges .
Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrende r Charge for each premium payment is 7%, declining to 4% by the 7th year after that premium payment
has been in the policy, with no surrender charge thereafter.
Withdrawals and surrenders may be taxable transactions, and prior to age 59?, may be subject to a 10% IRS penalty (the penalt y tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your
participation in the SIMPLE IRA plan).
The Investment Divisions offered through the New York Life Essentials Variable Annuity and described herein are different fro m mutual funds that may have similar names but are available directly to the general public. Investment results
may differ.
*In certain jurisdictions, this product will be sold as a single premium variable annuity. In most jurisdictions, the policy form number for the New York Life Essentials Variable Annuity is 202-192.
1.17% N/A
-0.10% 4.71% 0.13% 1.59% 0.61% -0.32% -1.27% -6.60%
3.80% 5.34% -1.01% -7.70% 2.46% 6.21% 10.01%
4.96% N/A
2.98% 7.24% 3.59% 6.05% 3.01% 2.84% 2.81% -2.60%
N/A 5.30% 1.82%
N/A 10.11% 12.13% 2.27%
3.24% -0.19% 1.59% 5.26% 4.43% 3.48% -7.01% 2.29% -0.59% -2.55%
0.74% 5.94% 0.96% -5.24% 7.73% 6.84% 1.16%
Page 3 of 5
Investment Divisions1
Investment Grade Bond MainStay VP U.S. Government Money Market ? Current 7-day yield is 3.98%8 PIMCO VIT Low Duration Portfolio - Advisor Class American Funds IS The Bond Fund of America? - Class 4 Columbia Variable Portfolio -- Intermediate Bond - Class 2
MainStay VP Bond ? Service Class Fidelity? VIP Investment Grade Bond - Service Class 2 Fidelity? VIP Bond Index ? Service Class 2 MainStay VP MacKay Government ? Service Class MainStay VP PIMCO Real Return ? Service Class PIMCO VIT Income Portfolio - Advisor Class PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class PIMCO VIT Total Return Portfolio - Advisor Class Western Asset Core Plus VIT - Class II Non-Investment Grade Bond
BlackRock? High Yield V.I. Fund ? Class III Shares Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2 MainStay VP Floating Rate ? Service Class MainStay VP MacKay Convertible ? Service Class MainStay VP MacKay High Yield Corporate Bond ? Service Class MainStay VP MacKay Strategic Bond ? Service Class Alternatives
DWS Alternative Asset Allocation VIP - Class B MainStay VP IQ Hedge Multi-Strategy - Service Class Asset Allocation
American Funds IS Asset Allocation Fund - Class 4 BlackRock? Global Allocation V.I. Fund ? Class III Shares Fidelity? VIP FundsManager? 60% -- Service Class MainStay VP Balanced ? Service Class MainStay VP Conservative Allocation ? Service Class MainStay VP Income Builder ? Service Class MainStay VP Janus Henderson Balanced ? Initial Class7 MainStay VP Janus Henderson Balanced ? Service Class MainStay VP Moderate Allocation?Service Class Franklin Templeton Conservative Model Portfolio - Class II
Franklin Templeton Moderate Model Portfolio - Class II Franklin Templeton Moderately Aggressive Model Portfolio - Class II Franklin Templeton Moderately Conservative Model Portfolio - Class II Franklin Templeton Aggressive Model Portfolio - Class II MainStay VP Equity Allocation ? Service Class MainStay VP Growth Allocation?Service Class Large Cap Equity
AB VPS Growth & Income - Class B American Funds IS Washington Mutual Investors Fund - Class 4 American Funds IS Growth Fund - Class 4 BNY Mellon Sustainable US Equity - Service Shares ClearBridge Variable Appreciation Portfolio -- Class II Fidelity? VIP Contrafund? ? Service Class 2 Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP Growth Opportunities ? Service Class 2 MainStay VP Epoch U.S. Equity Yield ? Service Class MainStay VP Wellington U.S. Equity ? Service Class MainStay VP Wellington Growth ? Service Class9 MainStay VP S&P 500 Index ? Service Class5
MainStay VP Winslow Large Cap Growth ? Service Class MainStay VP American Century Sustainable Equity ? Service Class MFS? Investors Trust Series ? Service Class MFS? Research Series ? Service Class Small/Mid Cap Equity
Fidelity? VIP Mid Cap ? Service Class 2 Janus Henderson VIT Enterprise Portfolio ? Service Shares MainStay VP Wellington Mid Cap ? Service Class MFS? Mid Cap Value Portfolio - Service Class Neuberger Berman AMT Mid-Cap Growth ? Class S Invesco V.I. Main Street Small Cap Fund - Series II Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2 Delaware VIP Small Cap Value - Service Class
MainStay VP Wellington Small Cap - Service Class MainStay VP Small Cap Growth ? Initial Class6 MainStay VP Small Cap Growth ? Service Class
New York Life Essentials Variable Annuity Performance Summary Average Annual Total Return as of December 31, 2022 (Updated Quarterly)
Volatility/ Risk Level3
Portfolio Inception
Date
Investment Division Inception Date1
Non-Standardized (Assuming No Surrender)2
Since
Investment
1 Year4
3 Year4
5 Year4
10 Year4
Division Inception
1 Year4
Low Low Moderate Moderate
Moderate
Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate
01/29/1993 03/31/2006 12/14/2012 05/03/2010
06/02/2003
08/15/2005 04/19/2018 06/02/2003 02/17/2012 04/29/2016 05/01/2014 02/28/2006 05/01/2015
05/01/2015 05/02/2016 05/01/2022 05/01/2022
05/01/2015
05/01/2022 11/23/2020 06/02/2003 02/17/2012 05/01/2020 05/01/2014 05/01/2014 05/01/2022
-0.16% -7.19% -14.00% -18.49% -15.91%
-14.46% -14.62% -12.78% -12.95% -9.19% -11.53% -15.62% -18.47%
-0.93% -2.81% -3.14% -4.00% -4.71%
-3.48% -4.55% -4.48% -0.30% -1.48% -3.90% -4.26% -5.46%
-0.51% -1.46% -0.93% -1.26% -2.01%
-1.06% N/A
-2.36% 0.33% 0.21% -1.22% -1.72% -2.22%
-0.93% -1.12% -0.33% -0.31% -0.73%
-0.17% N/A
-1.46% -0.77%
N/A 0.65% -0.63% 0.02%
-0.39% -1.18% -4.67% -7.35% 1.21%
-4.66% -8.88% 0.48% -0.32% 0.52% 0.54% -0.47% -5.53%
-7.15% -13.69% -20.02% -24.19% -21.80%
-20.45% -20.60% -18.89% -19.04% -15.55% -17.73% -21.52% -24.18%
Moderate Moderate Moderate Moderate Moderate Moderate
02/15/2012 04/30/2012 05/01/2005 06/02/2003 06/02/2003 05/01/2011
05/01/2014 05/01/2015 05/01/2005 06/02/2003 06/02/2003 05/01/2011
-11.84% -17.36% -2.91% -14.14% -9.61% -8.80%
-1.20% -5.68% -0.09% 7.24% -0.95% -1.56%
0.88% -3.29% 0.87% 7.37% 0.94% -0.50%
2.36% -1.02% 1.36% 8.19% 2.48% 0.45%
1.55% -0.54% 1.76% 6.56% 4.70% 1.14%
-18.01% -23.15% -9.71% -20.15% -15.93% -15.18%
Moderate 05/18/2009 05/02/2016 -9.07% Moderate 05/01/2013 05/01/2013 -10.02%
1.49% -3.05%
1.03% -2.31%
0.67% N/A
1.63% -3.02%
-15.43% -16.32%
Moderate Moderate
Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate
Moderate Moderate Moderate
High High High
12/14/2012 11/18/2003
08/22/2007 05/01/2005 02/13/2006 06/02/2003 02/17/2012 02/17/2012 02/13/2006 05/01/2020
05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006
05/01/2018 05/01/2011
05/01/2019 05/01/2005 02/13/2006 06/02/2003 02/17/2012 02/17/2012 02/13/2006 05/01/2020
05/01/2020 05/01/2020 05/01/2020 05/01/2020 02/13/2006 02/13/2006
-14.90% -17.28% -16.28% -7.32% -13.53% -14.97% -17.60% -17.80% -15.14% -14.43% -16.21% -17.23% -14.54% -18.01% -19.03% -15.87%
2.11% 1.06% 1.70% 4.27% -0.42% -0.65% 2.40% 2.15% 0.64%
N/A N/A N/A N/A N/A 2.65% 2.14%
3.55% 1.76% 2.84% 3.46% 0.50% 1.19% 5.19% 4.92% 1.31%
N/A N/A N/A N/A N/A 2.58% 2.22%
6.33% 3.30% 5.03% 5.68% 2.58% 4.00% 6.92% 6.65% 3.93%
N/A N/A N/A N/A N/A 6.24% 5.34%
4.06% 2.53% 3.44% 4.64% 3.15% 4.30% 6.74% 6.48% 3.73% -1.36% 3.26% 5.36% 1.81% 8.47% 4.46% 4.33%
-20.86% -23.07% -22.14% -13.81% -19.58% -20.92% -23.36% -23.56% -21.08% -20.42% -22.08% -23.03% -20.52% -23.75% -24.70% -21.76%
High High High High High High High High High High High
High
High High High High
06/01/1999 12/14/2012 12/14/2012 12/31/2000 02/28/2015 01/12/2000 01/12/2000 01/12/2000 06/02/2003 06/02/2003 06/02/2003
06/02/2003
06/02/2003 02/17/2012 05/01/2000 05/01/2000
05/01/2022 11/13/2017 11/13/2017 05/01/2022 05/01/2017 06/02/2003 06/02/2003 05/01/2014 06/02/2003 06/02/2003 06/02/2003
06/02/2003
06/02/2003 02/17/2012 06/02/2003 06/02/2003
-5.79% -10.00% -31.12% -24.17% -13.90% -27.55% -6.61% -39.20% -4.14% -22.01% -34.29% -19.57%
-32.32% -9.26% -17.89% -18.62%
6.24% 6.54% 7.30% 4.95% 5.70% 5.34% 6.36% 3.52% 4.43% 3.90% 0.21% 5.72%
3.76% 3.58% 4.66% 4.61%
6.28% 5.30% 9.26% 7.50% 7.81% 6.83% 6.32% 11.18% 5.31% 5.20% 3.90% 7.43%
8.37% 4.22% 6.62% 7.06%
9.51% 9.48% 11.75% 9.49% 9.92% 9.55% 8.33% 13.16% 7.29% 9.53% 7.32% 10.43%
11.03% 7.40% 9.55% 9.81%
0.01% 6.35% 9.46% -8.42% 8.78% 8.16% 6.14% 11.60% 6.11% 6.90% 5.16% 7.25%
7.39% 7.39% 7.12% 7.54%
-12.39% -16.30% -35.94% -29.48% -19.93% -32.62% -13.14% -43.46% -10.85% -27.47% -38.89% -25.20%
-37.06% -15.61% -23.63% -24.32%
High High High High High Highest Highest Highest
Highest Highest Highest
01/12/2000 12/31/1999 06/02/2003 03/07/2008 02/18/2003 07/16/2001 06/01/2000 05/01/2000
05/02/2016 02/17/2012 02/17/2012
09/08/2003 11/13/2017 06/02/2003 05/01/2020 06/02/2003 05/01/2020 11/15/2004 11/13/2017
05/02/2016 02/17/2012 02/17/2012
-16.19% -17.36% -21.85% -10.31% -29.85% -17.25% -10.28% -13.62% -22.17% -27.54% -27.73%
6.34% 3.70% 0.29% 5.66% 2.38% 5.55% 6.83% 3.23% -0.72% 2.94% 2.68%
Page 4 of 5
4.16% 7.78% 1.07% -8.25% 5.23% 5.21% 3.23% 2.54% -1.10% 3.93% 3.67%
8.11% 11.48% 7.23% 1.52% 8.36% 9.02% 7.88% 7.35%
N/A 7.32% 7.05%
8.24% 7.98% 7.13% 18.49% 7.87% 17.19% 6.08% 3.24% 3.38% 6.58% 6.31%
-22.06% -23.14% -27.33% -16.59% -34.76% -23.04% -16.56% -19.66% -27.61% -32.62% -32.79%
Standardized (Assuming Surrender)
3 Year4
5 Year4
10 Year4
Since Investment
Division
Inception
-3.30% -5.13% -5.46% -6.29% -6.99% -5.79% -6.83% -6.76% -2.68% -3.83% -6.19% -6.55% -7.72%
-3.56% -7.93% -2.47% 5.18% -3.32% -3.91%
-1.74% -2.67% -2.15% -2.47% -3.22% -2.27%
N/A -3.56% -0.88% -1.01% -2.44% -2.93% -3.42%
-0.30% -4.48% -0.31% 6.45% -0.25% -1.73%
-0.93% -1.12% -0.33% -0.31% -0.73% -0.17%
N/A -1.46% -0.77%
N/A 0.65% -0.63% 0.02%
2.36% -1.02% 1.36% 8.19% 2.48% 0.45%
-0.39% -1.78% -11.34% -13.83% 1.21% -11.34% -11.96% 0.48% -0.32% -2.14% 0.54% -0.47% -12.14%
1.55% -0.54% 1.76% 6.56% 4.70% 1.14%
-0.83% -5.36%
-0.15% -3.51%
0.67% N/A
1.08% -3.02%
-0.17% -1.28% -0.61% 2.08% -2.80% -3.02% 0.13% -0.14% -1.72%
N/A N/A N/A N/A N/A 0.39% -0.15%
2.48% 0.62% 1.74% 2.39% -0.71% 0.02% 4.19% 3.92% 0.15%
N/A N/A N/A N/A N/A 1.48% 1.10%
6.33% 3.30% 5.03% 5.68% 2.58% 4.00% 6.92% 6.65% 3.93%
N/A N/A N/A N/A N/A 6.24% 5.34%
2.93% 2.53% 1.92% 4.64% 3.15% 4.30% 6.74% 6.48% 3.73% -4.01% 0.72% 2.91% -0.80% 6.14% 4.46% 4.33%
4.13% 4.44% 5.23% 2.79% 3.57% 3.19% 4.26% 1.30% 2.25% 1.70% -2.17% 3.59%
1.55% 1.36% 2.48% 2.44%
5.32% 4.31% 8.41% 6.58% 6.91% 5.89% 5.37% 10.39% 4.32% 4.20% 2.85% 6.52%
7.48% 3.19% 5.68% 6.13%
9.51% 9.48% 11.75% 9.49% 9.92% 9.55% 8.33% 13.16% 7.29% 9.53% 7.32% 10.43%
11.03% 7.40% 9.55% 9.81%
-6.99% 5.58% 8.78% -14.83% 8.18% 8.16% 6.14% 11.60% 6.11% 6.90% 5.16% 7.25%
7.39% 7.39% 7.12% 7.54%
4.23% 1.48% -2.09% 3.53% 0.11% 3.41% 4.74% 0.99% -3.09% 0.69% 0.42%
3.12% 6.87% -0.11% -9.38% 4.23% 4.21% 2.15% 1.43% -2.32% 2.88% 2.61%
8.11% 11.48% 7.23% 1.52% 8.36% 9.02% 7.88% 7.35%
N/A 7.32% 7.05%
8.24% 7.26% 7.13% 16.49% 7.87% 15.15% 6.08% 2.37% 2.88% 6.58% 6.31%
International/Global Equity American Funds IS Global Small Cap Fund? ? Class 4 Fidelity? VIP International Index -- Service Class 2 Invesco V.I. EQV International Equity Fund - Series II Janus Henderson VIT Global Research Portfolio ? Service Shares MainStay VP MacKay International Equity ? Service Class MFS? International Intrinsic Value Portfolio ? Service Class MFS? VIT Research International - Service Class American Funds IS New World Fund - Class 4 Fidelity? VIP Emerging Markets ? Service Class 2 MainStay VP Candriam Emerging Markets Equity ? Service Class9 Sector Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 210 MainStay VP Fidelity Institutional AM? Utilities ? Service Class Morgan Stanley VIF U.S. Real Estate - Class II MainStay VP CBRE Global Infrastructure -- Service Class BNY Mellon IP Technology Growth ? Service Shares Fidelity? VIP Health Care -- Service Class 2 MainStay VP Natural Resources ? Initial Class
Please read the important disclosures below regarding the product performance
High High High High High High High Highest Highest
Highest
12/14/2012 04/16/2018 09/19/2001 12/31/1999 06/02/2003 08/31/2001 08/24/2001 12/14/2012 01/23/2008
02/17/2012
05/01/2015 05/01/2019 05/01/2014 06/02/2003 06/02/2003 05/01/2017 05/01/2022 05/01/2014 05/01/2018
02/17/2012
-30.70% -17.42% -19.68% -20.77% -27.69% -24.85% -18.98% -23.37% -21.52%
-29.92%
High High High High Highest Highest Highest
04/30/2013 02/17/2012 11/05/2002 05/01/2015 12/29/2000 07/18/2001 02/17/2012
05/01/2015 02/17/2012 05/01/2013 05/01/2015 06/02/2003 05/01/2019 02/17/2012
17.00% 3.80% -28.26% -7.57% -13.88% -47.29% 33.89%
-2.49% -1.65% -2.14% 2.78% -1.76% -1.09% -0.43% -1.34% -0.88% -5.85%
13.89% 5.43% -6.95% -3.52% 4.18% -0.74% 24.27%
1.06% N/A
-0.20% 4.75% 0.23% 1.29% 0.97% 0.60% 0.00% -5.11%
5.83% 7.07% -3.09% -7.94% 8.65% 3.32% 9.18%
5.05% N/A
2.65% 7.31% 3.38% 6.01% 2.93% 2.52% 2.86% -2.84%
N/A 6.73% 1.58%
N/A 13.14% 9.30% 2.18%
2.46% 0.39% 0.98% 5.03% 4.26% 3.41% -3.59% 1.97% 0.45% -2.64%
1.38% 6.87% 0.46% -5.26% 9.04% 7.21% 0.98%
-35.55% -23.20% -25.30% -26.31% -32.75% -30.11% -24.65% -28.73% -27.01% -34.82%
10.00% -3.20% -33.28% -14.04% -19.91% -50.98% 26.89%
-4.82% -4.00% -4.48% 0.53% -4.11% -3.45% -2.81% -3.70% -3.25% -8.10%
12.06% 3.28% -9.18% -5.83% 1.99% -3.11% 22.74%
-0.12% N/A
-1.43% 3.74% -0.99% 0.12% -0.22% -0.60% -1.23% -6.27%
4.85% 6.14% -4.29% -9.08% 7.77% 2.24% 8.32%
5.05% N/A
2.65% 7.31% 3.38% 6.01% 2.93% 2.52% 2.86% -2.84%
N/A 6.73% 1.58%
N/A 13.14% 9.30% 2.18%
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volat ility, current performance may be lower or higher than the figures shown. The investment return and the Accumulation Value of your policy will fluctuate so that a policy, when surrendered may be worth more or less than the premiu m payment(s). For current to the most recent month-end performance information, please call 1-800-5982019 or visit . All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.45% and Fund Company Expenses. An Annual Policy Service Charge of $30 is not included, but will be deducted each year from the policy's Accumulation Value o n the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $50,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $50,000. Charges for a ny optional riders, if reflected, would reduce the performance shown. Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges . Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrende r Charge for each premium payment is 7%, declining to 4% by the 7th year after that premium payment has been in the policy, with no surrender charge thereafter. Withdrawals and surrenders may be taxable transactions, and prior to age 59?, may be subject to a 10% IRS penalty (the penalt y tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRA plan). The Investment Divisions offered through the New York Life Essentials Variable Annuity and described herein are different fro m mutual funds that may have similar names but are available directly to the general public. Investment results may differ. *In certain jurisdictions, this product will be sold as a single premium variable annuity. In most jurisdictions, the policy form number for the New York Life Essentials Variable Annuity is 202-192.
.
2.46% -1.26% 0.98% 5.03% 4.26% 2.64% -10.34% 1.97% -0.84% -2.64%
1.38% 6.87% 0.46% -5.26% 7.72% 7.21% 0.98%
Page 5 of 5
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