New York Life Premier Variable Annuity - FP Series ...

[Pages:3]New York Life Premier Variable Annuity - FP Series Performance Summary Premium Based M&E Charge Structure As of October 31, 2017

To obtain a copy of the product and funds prospectuses, please contact your Registered Representative or call 1-800-762-6212. 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 and MainStay VP VanEck Hard Assets ? Initial Class). Performance for these classes/shares is lower than the returns for those classes/shares that do not impose a 12b-1 fee. Contact your Registered Representative or call 1-800-762-6212 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 Risk Tolerances 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, 2016. 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 Premier Variable Annuity - FP Series was first offered for sale on November 20, 2017. Certain Portfolios existed prior to that date. The performance for MainStay VP Series Fund, Inc. portfolios are based on 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 Premier Variable Annuity - FP Series Premium Based M&E Charge Structure differs from many other variable annuity policies in that the Mortality and Expense Risk and Administrative Costs Charge (M&E) is calculated as a percentage of your Adjusted Premium Payments under the policy (excluding premiums allocated to the Fixed Account), rather than as percentage of Separate Account assets. Therefore, the 1.30% M&E charge during the surrender charge period for the initial premium and 1.10% after the surrender charge period for the initial premium is not reflected in the performance of the Investment Divisions, but will be deducted quarterly by reducing the number of Accumulation Units in the Investment Divisions you have selected. Since market performance is reflected through fluctuations in the value of an Accumulation Unit, owning fewer Accumulation Units over time will result in a gradual reduction in the value of the Policy, regardless of market performance, when compared to the result of a traditional charge structure. Please refer to your prospectus for more details. This version of the New York Life Premier Variable Annuity - FP Series invests in the New York Life Insurance and Annuity Corporation (NYLIAC) Separate Account IV.

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 a nd 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 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 suppor t to the fund at any time.

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.

This material is general in nature and is being provided for informational purposes only. It was not prepared, and is not intended, to address the needs, circumstances and/or objectives of any specific individual or group of individuals. New York Life and its affiliates are not making a recommendation to purchase any specific products. For advice regarding your personal circumstances, you should consult with your own independent financial and tax professionals.

Performance information less than 1 year has not been annualized.

Variable annuities offered through properly licensed registered representatives of a third party registered broker dealer.

New York Life Insurance Company New York Life Insurance and Annuity Corporation (A Delaware Corporation) 51 Madison Avenue New York, NY 10010

Issuer: New York Life Insurance and Annuity Corporation (A Delaware Corporation) Wholesale Distributor and Underwriter: NYLIFE Distributors LLC Member FINRA/SIPC

SMRU ###### New York Life Insurance and Annuity Corporation and NYLIFE Distributors LLC are wholly owned subsidiaries of

New York Life Insurance Company.

Page 1 of 3

New York Life Premier Variable Annuity - FP Series Performance Summary Premium Based M&E Charge Structure

Average Annual Total Return as of October 31, 2017 (Updated Monthly)

Investment Divisions1

Equity

MainStay VP Common Stock ? Service Class MainStay VP Cushing Renaissance Advantage -- Service Class MainStay VP Growth Allocation ? Service Class MainStay VP International Equity ? Service Class MainStay VP Large Cap Growth ? Service Class MainStay VP Mid Cap Core ? Service Class MainStay VP S&P 500 Index ? Service Class5 MainStay VP Small Cap Core - Service Class MainStay VP Epoch U.S. Small Cap ? Service Class American Funds IS Global Small Cap Fund? ? Class 4 American Funds IS Growth Fund - Class 4 American Funds IS New World Fund - Class 4 Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2 Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2 ClearBridge Variable Appreciation Portfolio -- Class II Delaware VIP Small Cap Value - Service Class Dreyfus IP Technology Growth ? Service Shares Fidelity? VIP Contrafund? ? Service Class 2 Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Mid Cap ? Service Class 2 Invesco V.I. American Value Fund - Series II Invesco V.I. International Growth Fund - Series II Janus Henderson VIT Enterprise Portfolio ? Service Shares Janus Henderson VIT Global Research Portfolio ? Service Shares MFS? International Value Portfolio ? Service Class MFS? Research Series ? Service Class Neuberger Berman AMT Mid-Cap Growth ? Class S MainStay VP Eagle Small Cap Growth ? Service Class MainStay VP VanEck Global Hard Assets ? Initial Class Morgan Stanley VIF U.S. Real Estate - Class II Equity and Income

MainStay VP Balanced ? Service Class MainStay VP Convertible ? Service Class MainStay VP Epoch U.S. Equity Yield ? Service Class MainStay VP Income Builder ? Service Class MainStay VP Absolute Return Multi-Strategy - Service Class MainStay VP Moderate Allocation?Service Class MainStay VP Moderate Growth Allocation?Service Class American Funds IS Blue Chip Income and Growth Fund - Class 4 BlackRock? Global Allocation V.I. Fund ? Class III Shares Deutsche Alternative Asset Allocation VIP - Class B Fidelity? VIP Equity-Income ? Service Class 2 MainStay VP Janus Henderson Balanced ? Service Class MFS? Investors Trust Series ? Service Class MainStay VP MFS Utilities ? Service Class Income

MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is 0.01%6 MainStay VP Conservative Allocation ? Service Class MainStay VP Floating Rate ? Service Class MainStay VP Government ? Service Class MainStay VP High Yield Corporate Bond ? Service Class MainStay VP Indexed Bond ? Service Class MainStay VP PIMCO Real Return ? Service Class MainStay VP Unconstrained Bond ? Service Class BlackRock? High Yield V.I. Fund ? Class III Shares Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2 PIMCO VIT Foreign Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class PIMCO VIT Low Duration Portfolio - Advisor Class PIMCO VIT Total Return Portfolio - Advisor Class

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

High

06/02/2003 11/20/2017 1.99% 10.66% 14.17% 9.11%

14.69% 6.87%

N/A

Highest 05/01/2015 11/20/2017 1.02% -8.83% 7.33%

N/A

N/A

N/A

N/A

High

02/13/2006 11/20/2017 2.56% 12.48% 16.11% 6.10%

11.38% 5.36%

N/A

High

06/02/2003 11/20/2017 3.06% 22.06% 11.86% 5.36%

8.02%

2.48%

N/A

High

06/02/2003 11/20/2017 3.29% 22.11% 18.69% 10.97% 14.59% 8.76%

N/A

High

06/02/2003 11/20/2017 1.74% 8.36% 11.95% 7.50%

15.36% 7.29%

N/A

High

06/02/2003 11/20/2017 2.01% 11.21% 15.40% 10.27% 14.15% 7.21%

N/A

High

05/02/2016 11/20/2017 1.15% 4.25% 17.43%

N/A

N/A

N/A

N/A

High

06/02/2003 11/20/2017 0.54% 6.65% 14.56% 8.73%

13.62% 7.18%

N/A

High

12/14/2012 11/20/2017 2.24% 15.09% 15.96% 5.29%

11.13% 2.76%

N/A

High

12/14/2012 11/20/2017

Highest 12/14/2012 11/20/2017 3.68% 18.53% 16.55% 2.25%

6.32%

3.48%

N/A

High

04/30/2013 11/20/2017 2.87% -2.70% 0.84% -13.05%

N/A

N/A

N/A

High

06/01/2000 11/20/2017 2.03% 4.66% 25.29% 10.61% 14.50% 7.56%

N/A

High

02/28/2015 11/20/2017 1.80% 9.99% 12.52%

N/A

N/A

N/A

N/A

High

05/01/2000 11/20/2017

High

12/29/2000 11/20/2017 5.15% 27.84% 26.86% 14.05% 15.95% 10.49%

N/A

High

01/12/2000 11/20/2017 2.13% 13.79% 17.14% 9.53%

13.53% 7.20%

N/A

High

01/12/2000 11/20/2017 2.97% 23.42% 23.05% 12.92% 15.92% 8.16%

N/A

High

01/12/2000 11/20/2017 1.22% 10.14% 16.15% 8.12%

13.23% 7.23%

N/A

High

05/05/2003 11/20/2017 0.64% 2.43% 10.42% 3.75%

10.94% 6.28%

N/A

High

09/19/2001 11/20/2017 2.57% 17.02% 13.12% 2.80%

7.85%

2.96%

N/A

High

12/31/1999 11/20/2017

High

12/31/1999 11/20/2017 2.49% 18.09% 17.53% 6.53%

12.92% 3.75%

N/A

High

08/31/2001 11/20/2017 1.12% 17.27% 12.38% 8.37%

12.59% 6.02%

N/A

High

05/01/2000 11/20/2017 2.05% 13.91% 15.17% 9.76%

13.74% 7.82%

N/A

High

02/18/2003 11/20/2017 1.83% 13.59% 15.40% 9.10%

12.31% 6.74%

N/A

High

02/17/2012 11/20/2017 1.46% 12.59% 16.24% 9.45%

12.03%

N/A

N/A

Highest 02/17/2012 11/20/2017 6.26% -10.94% -3.59% -14.34% -3.57% -1.35%

N/A

Highest 11/05/2002 11/20/2017 0.53% -0.51% -7.19% 6.18%

7.29%

5.29%

N/A

6.17% -0.67% 8.11% 3.86% 10.69% 3.95% 7.40% 9.43% 6.56% 7.96%

8.55% -7.16% 17.29% 4.52%

18.86% 9.14% 15.05% 8.15% 2.42% 5.12%

9.53% 4.38% 7.17% 7.40% 8.24% -11.30% -14.62%

Moderate 05/01/2005 11/20/2017 1.14%

4.82% 7.39%

5.57%

9.67%

6.38%

N/A

Moderate 06/02/2003 11/20/2017 1.32%

7.93% 13.10% 6.84%

10.67% 6.88%

N/A

High

06/02/2003 11/20/2017 1.14% 9.96% 11.84% 5.52%

11.02% 5.35%

N/A

Moderate 06/02/2003 11/20/2017 0.84%

7.58% 7.58%

4.77%

8.51%

6.06%

N/A

Moderate 05/01/2013 11/20/2017 1.04% -1.03% 0.21% -5.45%

N/A

N/A

N/A

Moderate 02/13/2006 11/20/2017 1.91% 8.75% 10.37% 4.80%

8.13%

5.60%

N/A

Moderate 02/13/2006 11/20/2017 2.23% 10.45% 13.66% 5.57%

10.07% 5.70%

N/A

High

12/14/2012 11/20/2017

Moderate 11/18/2003 11/20/2017 2.02% 9.80% 10.67% 3.91%

6.74%

4.80%

N/A

Moderate 05/18/2009 11/20/2017 1.38%

4.41% 2.59%

0.33%

1.89%

N/A

N/A

High

01/12/2000 11/20/2017 1.68% 5.83% 14.03% 6.98%

11.85% 4.91%

N/A

Moderate 02/17/2012 11/20/2017 1.74% 10.09% 12.07% 6.41%

9.34%

7.47%

N/A

High

05/01/2000 11/20/2017 1.63% 13.61% 16.21% 9.78%

13.85% 7.39%

N/A

Moderate 02/17/2012 11/20/2017 3.81% 14.01% 9.12%

2.94%

9.08%

6.29%

N/A

-0.61% 5.10% 3.84% -0.42% -7.79% 2.37% 5.66%

2.67% -5.41% 6.03% 4.07% 8.21% 1.12%

Moderate 06/02/2003 11/20/2017 0.49% 2.81% -0.51% 2.63%

1.94%

4.38%

N/A

Low

01/29/1993 11/20/2017 0.05%

0.16% 0.16%

0.06%

0.04%

0.44%

N/A

Moderate 02/13/2006 11/20/2017 1.48%

6.38% 7.31%

3.96%

6.23%

5.45%

N/A

Moderate 05/01/2005 11/20/2017 0.65%

2.27% 5.25%

3.11%

3.62%

3.61%

N/A

Moderate 06/02/2003 11/20/2017 0.33% 1.70% -0.79% 1.45%

0.95%

3.42%

N/A

Moderate 06/02/2003 11/20/2017 1.09%

4.65% 9.36%

5.26%

6.22%

6.69%

N/A

Moderate 05/01/2017 11/20/2017 0.38%

N/A

N/A

N/A

N/A

N/A

N/A

Moderate 02/17/2012 11/20/2017 0.46%

1.61% -0.10% -0.05%

-0.53%

3.98%

N/A

Moderate 05/01/2011 11/20/2017 0.57%

3.36% 5.28%

2.05%

3.73%

N/A

N/A

Moderate 02/15/2012 11/20/2017 1.34% 5.83% 10.60% 4.34%

6.38%

7.06%

N/A

Moderate 04/30/2012 11/20/2017 1.01%

8.43% 6.73%

3.52%

3.81%

N/A

N/A

Moderate 05/01/2014 11/20/2017 0.42%

1.14% 0.84%

4.11%

4.70%

5.92%

N/A

Low

03/31/2006 11/20/2017 0.38%

0.97% 1.30%

0.84%

0.93%

3.17%

N/A

Moderate 02/28/2006 11/20/2017 0.61%

3.88% 1.31%

2.78%

2.22%

5.47%

N/A

-8.47% -7.84% -0.69% -2.75% -8.72% 1.36%

N/A -8.09% -2.72% 2.60% -1.27% -7.16% -6.70% -6.69%

Standardized (Assuming Surrender)

3 Year4

5 Year4

10 Year4

Since Investment

Division Inception

7.40%

14.22%

6.87%

N/A

N/A

N/A

N/A

N/A

4.30%

10.85%

5.36%

N/A

3.52%

7.42%

2.48%

N/A

9.32%

14.12%

8.76%

N/A

5.74%

14.91%

7.29%

N/A

8.60%

13.68%

7.21%

N/A

N/A

N/A

N/A

N/A

7.01%

13.14%

7.18%

N/A

3.46%

10.61%

2.76%

N/A

0.30%

5.69%

3.48%

N/A

-14.82%

N/A

N/A

N/A

8.95%

14.03%

7.56%

N/A

N/A

N/A

N/A

N/A

12.49%

15.50%

10.49%

N/A

7.84%

13.05%

7.20%

N/A

11.32%

15.47%

8.16%

N/A

6.38%

12.74%

7.23%

N/A

1.86%

10.41%

6.28%

N/A

0.87%

7.25%

2.96%

N/A

4.74%

12.42%

3.75%

N/A

6.64%

12.09%

6.02%

N/A

8.07%

13.26%

7.82%

N/A

7.39%

11.80%

6.74%

N/A

7.76%

11.52%

N/A

N/A

-16.08%

-4.35%

-1.35%

N/A

4.37%

6.68%

5.29%

N/A

3.74%

9.11%

6.38%

N/A

5.06%

10.13%

6.88%

N/A

3.69%

10.49%

5.35%

N/A

2.92%

7.92%

6.06%

N/A

-7.38%

N/A

N/A

N/A

2.95%

7.53%

5.60%

N/A

3.75%

9.52%

5.70%

N/A

2.03%

6.12%

4.80%

N/A

-1.70%

1.13%

N/A

N/A

5.20%

11.34%

4.91%

N/A

4.62%

8.77%

7.47%

N/A

8.09%

13.37%

7.39%

N/A

1.02%

8.51%

6.29%

N/A

0.70%

1.19%

4.38%

N/A

-1.98%

-0.77%

0.44%

N/A

2.07%

5.59%

5.45%

N/A

1.19%

2.92%

3.61%

N/A

-0.54%

0.17%

3.42%

N/A

3.43%

5.58%

6.69%

N/A

N/A

N/A

N/A

N/A

-2.09%

-1.34%

3.98%

N/A

0.09%

3.03%

N/A

N/A

2.47%

5.75%

7.06%

N/A

1.61%

3.11%

N/A

N/A

2.23%

4.02%

5.92%

N/A

-1.17%

0.14%

3.17%

N/A

0.85%

1.48%

5.47%

N/A

Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, 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 premium payment(s). For current to the most recent month-end performance information, please call 1-800-762-6212 or visit . All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includesthe Fund Company Expenses. An Annual Policy Service Charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than$100,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $100,000. 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 Surrender Charge for each premium payment is 8%, declining to 2% 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 Investment Divisions offered through the New York Life Premier Variable Annuity - FP Series and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ. In most jurisdictions, the policy form number for the New York Life Premier Variable Annuity - FP Series is ICC17V-P01

Page 2 of 3

New York Life Premier Variable Annuity - FP Series Performance Summary Premium Based M&E Charge Structure

Average Annual Total Return as of September 30, 2017 (Updated Quarterly)

Investment Divisions1

Equity

MainStay VP Common Stock ? Service Class MainStay VP Cushing Renaissance Advantage -- Service Class MainStay VP Growth Allocation ? Service Class MainStay VP International Equity ? Service Class MainStay VP Large Cap Growth ? Service Class MainStay VP Mid Cap Core ? Service Class MainStay VP S&P 500 Index ? Service Class5 MainStay VP Small Cap Core - Service Class MainStay VP Epoch U.S. Small Cap ? Service Class American Funds IS Global Small Cap Fund? ? Class 4 American Funds IS Growth Fund - Class 4 American Funds IS New World Fund - Class 4 ClearBridge Variable Appreciation Portfolio -- Class II Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2 Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2 Delaware VIP Small Cap Value - Service Class Dreyfus IP Technology Growth ? Service Shares Fidelity? VIP Contrafund? ? Service Class 2 Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Mid Cap ? Service Class 2 Invesco V.I. American Value Fund - Series II Invesco V.I. International Growth Fund - Series II Janus Henderson VIT Enterprise Portfolio ? Service Shares Janus Henderson VIT Global Research Portfolio ? Service Shares MFS? International Value Portfolio ? Service Class MFS? Research Series ? Service Class Neuberger Berman AMT Mid-Cap Growth ? Class S MainStay VP Eagle Small Cap Growth ? Service Class MainStay VP VanEck Global Hard Assets ? Initial Class Morgan Stanley VIF U.S. Real Estate - Class II Equity and Income

MainStay VP Balanced ? Service Class MainStay VP Convertible ? Service Class MainStay VP Epoch U.S. Equity Yield ? Service Class MainStay VP Income Builder ? Service Class MainStay VP Absolute Return Multi-Strategy - Service Class MainStay VP Moderate Allocation?Service Class MainStay VP Moderate Growth Allocation?Service Class American Funds IS Blue Chip Income and Growth Fund - Class 4 BlackRock? Global Allocation V.I. Fund ? Class III Shares Deutsche Alternative Asset Allocation VIP - Class B Fidelity? VIP Equity-Income ? Service Class 2 MainStay VP Janus Henderson Balanced ? Service Class MFS? Investors Trust Series ? Service Class MainStay VP MFS Utilities ? Service Class Income

MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is 0.01%6 MainStay VP Conservative Allocation ? Service Class MainStay VP Floating Rate ? Service Class MainStay VP Government ? Service Class MainStay VP High Yield Corporate Bond ? Service Class MainStay VP Indexed Bond ? Service Class MainStay VP PIMCO Real Return ? Service Class MainStay VP Unconstrained Bond ? Service Class BlackRock? High Yield V.I. Fund ? Class III Shares Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2 PIMCO VIT Foreign Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class PIMCO VIT Low Duration Portfolio - Advisor Class PIMCO VIT Total Return Portfolio - Advisor Class

Risk Level3

Portfolio Inception

Date

Investment Division Inception Date1

High Highest

High High High High High High High High High Highest High High High High High High High High High High High High High High High High Highest Highest

6/2/2003 5/1/2015 2/13/2006 6/2/2003 6/2/2003 6/2/2003 6/2/2003 5/2/2016 6/2/2003 12/14/2012 12/14/2012 12/14/2012 4/30/2013 6/1/2000 2/28/2015 05/01/2000 12/29/2000 1/12/2000 1/12/2000 1/12/2000 5/5/2003 9/19/2001 12/31/1999 12/31/1999 8/31/2001 5/1/2000 2/18/2003 2/17/2012 2/17/2012 11/5/2002

11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017

Moderate Moderate

High Moderate Moderate Moderate Moderate

High Moderate Moderate

High Moderate

High Moderate

5/1/2005 6/2/2003 6/2/2003 6/2/2003 5/1/2013 2/13/2006 2/13/2006 12/14/2012 11/18/2003 5/18/2009 1/12/2000 2/17/2012 5/1/2000 2/17/2012

11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017

Moderate Low

Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate Moderate

Low Moderate

6/2/2003 1/29/1993 2/13/2006 5/1/2005 6/2/2003 6/2/2003 5/1/2017 2/17/2012 5/1/2011 2/15/2012 4/30/2012 5/1/2014 3/31/2006 2/28/2006

11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017 11/20/2017

Non-Standardized (Assuming No Surrender)2

Since

Investment

1 Year4

3 Year4

5 Year4

10 Year4

Division Inception

1 Year4

15.79% 8.49% 18.22% 12.88% 20.64% 15.21% 17.25% 22.23% 18.65% 19.52%

8.06% N/A

4.51% 2.88% 9.36% 5.99% 9.02%

N/A 6.37% 2.97%

14.44% N/A

10.99% 8.08% 13.86% 14.90% 14.00%

N/A 13.13% 10.68%

6.29% N/A

4.82% 1.85% 8.34% 6.59% 6.65%

N/A 7.12% 2.64%

N/A

7.79%

N/A

0.49%

N/A

10.22%

N/A

4.88%

N/A

12.64%

N/A

7.21%

N/A

9.25%

N/A

14.23%

N/A

10.65%

N/A

11.52%

17.59% -6.90% 30.43% 13.33%

0.60% -15.33% 7.53%

N/A

5.91% N/A

13.71% N/A

3.23% N/A

6.67% N/A

N/A

9.59%

N/A

-14.35%

N/A

22.43%

N/A

5.33%

28.91% 19.32% 26.87% 20.54% 14.83% 14.16%

11.57% 8.09% 10.68% 6.57% 2.68% 1.33%

14.56% 13.37% 15.36% 13.12% 10.75% 7.69%

9.92% 6.89% 7.61% 6.99% 5.90% 2.56%

N/A

20.91%

N/A

11.32%

N/A

18.87%

N/A

12.54%

N/A

6.83%

N/A

6.16%

20.09% 15.12% 16.89% 19.04% 22.74% -6.56% -3.75%

5.03% 7.03% 8.41% 7.23% 6.62% -16.84% 5.92%

12.51% 12.54% 13.68% 11.40% 11.74% -4.13% 7.46%

3.23% 5.66% 7.31% 6.51%

N/A -2.12% 4.33%

N/A

12.09%

N/A

7.12%

N/A

8.89%

N/A

11.04%

N/A

14.74%

N/A

-14.03%

N/A

-11.45%

8.75% 16.91% 15.10% 9.27% 0.89% 11.70% 15.47%

4.57% 5.67% 4.52% 3.82% -6.42% 3.72% 4.19%

9.55% 10.55% 10.85% 8.79%

N/A 7.93% 9.76%

5.84% 6.77% 4.88% 5.82%

N/A 5.24% 5.23%

N/A

0.75%

N/A

8.91%

N/A

7.10%

N/A

1.27%

N/A

-7.11%

N/A

3.70%

N/A

7.47%

11.64% 1.81% 16.31% 13.55% 19.27% 6.07%

2.88% -0.48% 5.71% 5.45% 8.51% 0.12%

6.51% 2.05% 11.94% 9.38% 14.05% 8.73%

4.66% N/A

4.32% 7.17% 6.99% 5.51%

N/A

3.64%

N/A

-6.19%

N/A

8.31%

N/A

5.55%

N/A

11.27%

N/A

-1.93%

-0.12% 0.12% 8.35% 5.92% -0.96% 10.76%

N/A 0.47% 6.95% 11.34% 7.67% 1.48% 0.98% 1.73%

2.36% 0.05% 3.11% 2.90% 1.23% 4.49%

N/A -0.18% 1.61% 3.37% 3.17% 4.28% 0.55% 2.40%

2.12% 0.03% 6.14% 3.67% 1.10% 6.35%

N/A -0.29% 3.97% 6.45% 4.51% 5.05% 1.06% 2.45%

4.40% 0.47% 5.18% 3.29% 3.48% 6.29%

N/A 4.13%

N/A 6.57%

N/A 6.04% 3.22% 5.54%

N/A

-8.11%

N/A

-7.88%

N/A

0.35%

N/A

-2.08%

N/A

-8.89%

N/A

2.76%

N/A

N/A

N/A

-7.53%

N/A

-1.05%

N/A

3.34%

N/A

-0.33%

N/A

-6.52%

N/A

-7.02%

N/A

-6.27%

Standardized (Assuming Surrender)

3 Year4

5 Year4

10 Year4

Since Investment

Division Inception

6.32%

13.97%

6.29%

N/A

N/A

N/A

N/A

N/A

2.65%

10.46%

4.82%

N/A

0.95%

7.48%

1.85%

N/A

7.66%

13.38%

8.34%

N/A

4.18%

14.44%

6.59%

N/A

7.31%

13.53%

6.65%

N/A

N/A

N/A

N/A

N/A

4.57%

12.64%

7.12%

N/A

1.05%

10.14%

2.64%

N/A

-1.42%

5.27%

3.23%

N/A

-17.06%

N/A

N/A

N/A

5.77%

13.23%

6.67%

N/A

N/A

N/A

N/A

N/A

9.94%

14.09%

9.92%

N/A

6.35%

12.88%

6.89%

N/A

9.02%

14.90%

7.61%

N/A

4.78%

12.62%

6.99%

N/A

0.74%

10.21%

5.90%

N/A

-0.66%

7.09%

2.56%

N/A

3.19%

12.01%

3.23%

N/A

5.26%

12.04%

5.66%

N/A

6.68%

13.20%

7.31%

N/A

5.46%

10.87%

6.51%

N/A

4.83%

11.22%

N/A

N/A

-18.54%

-4.91%

-2.12%

N/A

4.11%

6.85%

4.33%

N/A

2.71%

8.99%

5.84%

N/A

3.84%

10.01%

6.77%

N/A

2.66%

10.32%

4.88%

N/A

1.93%

8.22%

5.82%

N/A

-8.33%

N/A

N/A

N/A

1.82%

7.34%

5.24%

N/A

2.32%

9.21%

5.23%

N/A

0.96%

5.89%

4.66%

N/A

-2.51%

1.30%

N/A

N/A

3.88%

11.42%

4.32%

N/A

3.62%

8.81%

7.17%

N/A

6.78%

13.57%

6.99%

N/A

-1.91%

8.15%

5.51%

N/A

0.42%

1.38%

4.40%

N/A

-1.99%

-0.78%

0.47%

N/A

1.20%

5.51%

5.18%

N/A

0.97%

2.97%

3.29%

N/A

-0.76%

0.32%

3.48%

N/A

2.63%

5.71%

6.29%

N/A

N/A

N/A

N/A

N/A

-2.21%

-1.10%

4.13%

N/A

-0.36%

3.27%

N/A

N/A

1.46%

5.82%

6.57%

N/A

1.26%

3.83%

N/A

N/A

2.41%

4.38%

6.04%

N/A

-1.47%

0.28%

3.22%

N/A

0.46%

1.71%

5.54%

N/A

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 premium payment(s). For current to the most r ecent month-end performance information, please call 1-800-762-6212 or visit . All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes the Fund Company Expenses. An Annual Policy Service Charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $100,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $100,000. C harges 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 8%, declining to 2% 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 Investment Divisions offered through the New York Life Premier Variable Annuity - FP Series and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may di ffer. In most jurisdictions, the policy form number for the New York Life Premier Variable Annuity - FP Series is ICC17V-P01

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