New York Life Premier Variable Annuity II Performance ...
New York Life Premier Variable Annuity II Performance Summary Premium Based M&E Charge Structure As of July 31, 2020
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 and MainStay VP Mellon Natural Resources ? 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 NYLIFE Securities LLC Registered Representative or call 1-800-598-2019 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, 2019. 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 II was first offered for sale on May 1, 2015. 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 II - 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 1.50% (1.30% for policies applied for on and after May 1, 2016) M&E charge during the surrender charge period for the initial premium and 1.30% (1.10% for policies applied for on and after May 1, 2016) 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 II 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 MacKay S&P 500 Index Portfolio. The MainStay VP MacKay S&P 500 Index Portfolio is not sponsored, endorsed, sold or promoted by Stan dard & Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the MainStay VP MacKay 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. 7 New allocations to the MainStay VP MacKay Growth, MainStay VP Emerging Markets Equity, MainStay VP T. Rowe Price Equity Income and Victory VIF Diversified Stock Investment Divisions will 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. 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. 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
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New York Life Premier Variable Annuity II Performance Summary Premium Based M&E Charge Structure
Average Annual Total Return as of July 31, 2020 (Updated Monthly)
Investment Divisions1
Volatility/ Risk Level3
Portfolio Inception
Date
Equity
MainStay VP MacKay Common Stock ? Service Class MainStay VP MacKay Growth ? Service Class7
High High
06/02/2003 06/02/2003
MainStay VP CBRE Global Infrastructure -- Service Class
Highest 05/01/2015
MainStay VP Growth Allocation ? Service Class
High
02/13/2006
MainStay VP MacKay International Equity ? Service Class
High
06/02/2003
MainStay VP Winslow Large Cap Growth ? Service Class
High
06/02/2003
MainStay VP MacKay Mid Cap Core ? Service Class MainStay VP MacKay S&P 500 Index ? Service Class5
High High
06/02/2003 06/02/2003
MainStay VP MacKay Small Cap Core - Service Class American Funds IS Global Small Cap Fund? ? Class 4
High High
05/02/2016 12/14/2012
American Funds IS Growth Fund - Class 4
High
12/14/2012
American Funds IS New World Fund - Class 4
Highest 12/14/2012
ClearBridge Variable Appreciation Portfolio -- Class II
High
02/28/2015
Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2
High
04/30/2013
Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2
High
06/01/2000
Delaware VIP Small Cap Value - Service Class
High
05/01/2000
BNY Mellon IP Technology Growth ? Service Shares
Highest 12/29/2000
Fidelity? VIP Contrafund? ? Service Class 2
High
01/12/2000
Fidelity? VIP Emerging Markets ? Service Class 2
Highest 01/23/2008
Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Health Care -- Service Class 2
Fidelity? VIP International Index -- Service Class 2
High High High
01/12/2000 04/30/2019 04/16/2018
Fidelity? VIP Mid Cap ? Service Class 2
High
01/12/2000
Invesco V.I. American Value Fund - Series II
High
05/05/2003
Invesco V.I. International Growth Fund - Series II
High
09/19/2001
Invesco Oppenheimer V.I. Main Street Small Cap Fund - Series II
High
07/16/2001
Janus Henderson VIT Enterprise Portfolio ? Service Shares
High
12/31/1999
Janus Henderson VIT Global Research Portfolio ? Service Shares
High
12/31/1999
Legg Mason/QS Aggressive Model Portfolio - Class II
High
05/01/2020
Legg Mason/QS Moderately Aggressive Model Portfolio - Class II
Moderate 05/01/2020
MFS? International Intrinsic Value Portfolio ? Service Class
High
08/31/2001
MFS? Mid Cap Value Portfolio - Service Class
High
03/07/2008
MFS? Research Series ? Service Class
High
05/01/2000
Neuberger Berman AMT Mid-Cap Growth ? Class S
High
02/18/2003
MainStay VP Small Cap Growth ? Service Class MainStay VP Emerging Markets Equity ? Service Class7
High Highest
02/17/2012 02/17/2012
MainStay VP Mellon Natural Resources ? Initial Class
Highest 02/17/2012
Morgan Stanley VIF U.S. Real Estate - Class II Victory VIF Diversified Stock ? Class A Shares7
High High
11/05/2002 07/01/1999
Equity and Income
MainStay VP Balanced ? Service Class
Moderate 05/01/2005
MainStay VP MacKay Convertible ? Service Class
Moderate 06/02/2003
MainStay VP Epoch U.S. Equity Yield ? Service Class
High
06/02/2003
MainStay VP Income Builder ? Service Class
Moderate 06/02/2003
MainStay VP IQ Hedge Multi-Strategy - Service Class
Moderate 05/01/2013
MainStay VP Moderate Allocation?Service Class
Moderate 02/13/2006
MainStay VP Moderate Growth Allocation?Service Class
High
02/13/2006
American Funds IS Asset Allocation Fund - Class 4
Moderate 12/14/2012
American Funds IS Blue Chip Income and Growth Fund - Class 4
High
12/14/2012
BlackRock? Global Allocation V.I. Fund ? Class III Shares
Moderate 11/18/2003
DWS Alternative Asset Allocation VIP - Class B
Moderate 05/18/2009
Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP FundsManager? 60% -- Service Class
High
01/12/2000
Moderate 08/22/2007
Legg Mason/QS Moderate Model Portfolio - Class II
Moderate 05/01/2020
Legg Mason/QS Moderately Conservative Model Portfolio - Class II
Moderate 05/01/2020
MainStay VP Janus Henderson Balanced ? Service Class
Moderate 02/17/2012
MFS? Investors Trust Series ? Service Class MainStay VP Fidelity Institutional AM? Utilities ? Service Class
High High
05/01/2000 02/17/2012
MainStay VP T. Rowe Price Equity Income ? Service Class7
High
02/17/2012
Income
MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is 0.01%6
Moderate 06/02/2003
Low
01/29/1993
MainStay VP Conservative Allocation ? Service Class
Moderate 02/13/2006
MainStay VP Floating Rate ? Service Class
Moderate 05/01/2005
MainStay VP MacKay Government ? Service Class
Moderate 06/02/2003
MainStay VP MacKay High Yield Corporate Bond ? Service Class
Moderate 06/02/2003
MainStay VP Indexed Bond ? Service Class
Moderate 05/01/2017
MainStay VP PIMCO Real Return ? Service Class
Moderate 02/17/2012
MainStay VP MacKay Unconstrained Bond ? Service Class
Moderate 05/01/2011
BlackRock? High Yield V.I. Fund ? Class III Shares
Moderate 02/15/2012
Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2
Moderate 04/30/2012
Legg Mason/QS Conservative Model Portfolio - Class II
Moderate 05/01/2020
PIMCO VIT Income Portfolio - Advisor Class
Moderate 04/29/2016
PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class
Moderate 05/01/2014
PIMCO VIT Low Duration Portfolio - Advisor Class
Low
03/31/2006
PIMCO VIT Total Return Portfolio - Advisor Class
Moderate 02/28/2006
Please read the important disclosures regarding the product performance on the following page.
Investment Division Inception Date1
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/02/2016 05/01/2015 11/13/2017 05/01/2015 05/01/2017 05/01/2015 05/01/2015 11/13/2017 05/01/2015 05/01/2015 05/01/2018 05/01/2015 05/01/2019 05/01/2019 05/01/2015 05/01/2015 05/01/2015 05/01/2020 11/13/2017 05/01/2015 05/01/2020 05/01/2020 05/01/2017 05/01/2020 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2018 11/13/2017 05/01/2015 05/02/2016 05/01/2015 05/01/2019 05/01/2020 05/01/2020 05/01/2015 05/01/2015 05/01/2015
05/01/2015
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2017 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2020 05/01/2020 05/01/2015 05/02/2016 05/01/2015
Month to Date
Non-Standardized (Assuming No Surrender)2
Year to
Date
(Updated
1
Monthly) Year4
3 Year4
5 Year4
10 Year4
Since Investment
Division Inception
5.34% 6.98% 3.39% 4.88% 6.41% 6.44% 5.21% 5.60% 3.77% 4.61% 7.41% 6.10% 5.56% 6.36% 0.45% 2.45% 10.36% 6.69% 9.61% 8.22% 2.23% 3.46% 5.92% 3.50% 5.90% 4.69% 5.50% 4.81% 5.14% 4.26% 5.80% 4.90% 5.02% 7.40% 6.04% 10.05% 8.06% 0.56%
6.64%
0.85% 14.06% -18.79% -2.86% 1.91% 19.17% -7.57% 2.17% -14.34% 0.99% 20.10% 1.53% -0.59% -12.59% -20.48% -24.23% 37.25% 16.44% 4.62% 31.41% 9.86% -7.57% -7.47% -17.28% -2.91% -7.30% -1.91% 0.81%
N/A N/A 6.45% -13.29% 2.17% 14.37% 6.26% 3.26% -12.51% -26.88%
-0.55%
8.85% 23.16% -21.68% 3.92% 13.55% 27.31% -3.48% 11.51% -9.82% 9.54% 33.12% 9.57% 7.63% -9.63% -14.84% -18.72% 40.16% 25.18% 14.19% 43.68% 24.81% 0.90% -2.65% -11.99% 4.67% 0.62% 3.11% 9.93%
N/A N/A 16.02% -6.09% 9.46% 16.71% 9.37% 12.76% -7.60% -23.88%
8.27%
9.70% 16.90% -10.10% 4.54% 6.65% 21.08% 2.95% 11.55% -2.41% 8.87% 18.95% 6.89% 11.02% -5.45% -5.00% -4.61% 23.73% 15.10% 7.53% 31.08% 15.54%
N/A 2.06% -1.26% 3.45% 3.65% 13.24% 8.95%
N/A N/A 9.30% 2.15% 11.76% 15.79% 9.60% 2.28% -6.71% -6.18%
8.25%
9.17% 12.10% -7.02% 5.23% 6.79% 15.49% 4.17% 10.97%
N/A 6.01% 16.57% 7.55% 10.12% -4.58% 2.32% 1.94% 19.97% 12.44% 9.21% 22.04% 8.75%
N/A 3.99% -0.18% 3.95% 5.26% 12.82% 7.47%
N/A N/A 9.13% 4.38% 10.69% 10.42% 8.14% 5.45% -4.18% -2.15%
6.69%
12.82% 12.98%
N/A 8.94% 6.23% 16.29% 10.62% 13.27%
N/A 8.38% 15.77% 5.64% 12.34%
N/A 6.73% 7.70% 17.55% 13.72% 5.23% 21.01% 19.18%
N/A 8.72% 7.56% 6.23% 10.86% 15.14% 9.31%
N/A N/A 10.76% 10.14% 13.07% 13.69% N/A N/A -3.28% 4.76%
10.23%
8.76% 11.93% -8.17% 4.76% 6.32% 15.79% 3.90% 10.44% 3.39% 6.69% 18.75% 6.44% 11.16% -6.47% 1.79% -6.35% 19.48% 11.92% 5.34% 21.56% 26.92% -0.38% 4.03% -0.14% 2.89% 19.82% 11.55% 6.77% 12.92% 11.26% 10.48% 15.03% 10.39% 11.03% 8.99% 2.82% -8.43% -2.08%
6.76%
2.77% 6.06% 3.32% 3.39% 1.72% 3.56% 4.25% 3.34% 2.75% 5.20% 3.08% 4.40% 3.74% 3.49% 3.04% 3.79% 4.57% 5.48%
3.86%
-3.24% 12.72% -11.81% -1.30% -0.01% 1.71% -1.44% 1.58% -5.97% 5.56% -4.53% -8.61% 3.36%
N/A N/A 3.41% -0.88% -9.36%
-16.06%
0.48% 16.45% -5.17% 4.49% 3.22% 6.77% 4.42% 8.73% 2.44% 12.75% -0.74% -0.32% 10.13%
N/A N/A 10.77% 5.62% -1.46%
-9.61%
2.93% 11.58% 3.59% 4.67% 0.34% 4.97% 4.43% 7.04% 4.30% 5.96% 0.47% 4.19% 7.07%
N/A N/A 10.85% 9.93% 4.00%
1.13%
4.02% 9.76% 3.68% 5.04% -0.64% 5.08% 5.01% 8.00% 6.63% 5.48% 1.15% 5.81% 6.52%
N/A N/A 9.10% 9.42% 4.19%
4.57%
7.44% 10.27% 8.53% 8.14%
N/A 7.31% 8.20% 9.85% 10.41% 6.22% 2.19% 9.71% 7.99%
N/A N/A 9.66% 12.09% 8.34%
8.41%
3.67% 9.11% 3.50% 4.45% -2.02% 4.64% 4.58% 7.51% 3.58% 4.80% 1.67% 5.29% 9.74% 8.72% 7.64% 8.49% 9.29% 3.23%
3.63%
1.60% 0.00% 2.84% 2.00% 0.61% 4.16% 1.35% 2.43% 2.12% 4.76% 4.03% 2.51% 1.81% 1.27% 0.16% 1.39%
7.05% 0.23% 3.46% -2.62% 4.77% -0.23% 7.79% 8.47% 1.79% 1.22% 0.97%
N/A 1.04% 2.48% 2.23% 7.56%
9.17% 0.85% 7.38% -0.63% 6.01% 3.38% 9.81% 10.35% 3.55% 5.13% 0.38%
N/A 3.05% 2.79% 3.52% 9.77%
5.06% 1.22% 4.73% 2.11% 3.23% 4.10% 5.04% 5.17% 2.71% 4.54% 2.59%
N/A 3.84% 4.30% 2.21% 5.30%
4.17% 0.77% 4.64% 2.78% 2.40% 5.39%
N/A 3.73% 3.04% 5.08% 4.87%
N/A N/A 4.12% 1.68% 4.26%
3.61% 0.39% 6.20% 3.44% 2.26% 6.25%
N/A 3.23%
N/A 6.45%
N/A N/A N/A 4.97% 1.77% 3.85%
3.86% 0.73% 4.22% 2.64% 2.20% 5.00% 4.91% 3.29% 2.65% 4.64% 4.11% 5.77% 6.60% 3.66% 1.93% 4.05%
1 Year4
0.85% 15.16% -27.95% -4.08% 5.55% 19.31% -11.20% 3.51% -17.03% 1.54% 25.12% 1.57% -0.37% -16.86% -21.65% -25.22% 32.16% 17.18% 6.19% 35.68% 16.81% -7.10% -10.43% -19.03% -3.33% -7.38% -4.89% 1.93%
N/A N/A 8.02% -13.60% 1.46% 8.71% 1.37% 4.76% -14.99% -29.97% 0.27%
-7.52% 8.45% -12.75% -3.51% -4.78% -1.23% -3.58% 0.73% -5.56% 4.75% -8.68% -8.29% 2.13%
N/A N/A 2.77% -2.38% -9.35%
-16.84%
1.17% -7.15% -0.62% -8.58% -1.99% -4.62% 1.81% 2.35% -4.45% -2.87% -7.62%
N/A -4.95% -5.21% -4.48% 1.77%
Standardized (Assuming Surrender)
3 Year4
5 Year4
10 Year4
Since Investment
Division Inception
8.01% 15.42% -11.93% 2.68% 4.86% 19.70% 1.02% 9.92% -4.41% 7.16% 17.52% 5.10% 9.38% -7.38% -6.94% -6.56% 22.41% 13.57% 5.77% 29.91% 14.03%
N/A 0.10% -3.28% 1.55% 1.75% 11.65% 7.24%
N/A N/A 7.60% 0.20% 10.14% 14.28% 7.91% 0.34% -8.61% -8.10%
6.52%
8.61% 11.59% -7.77% 4.57% 6.16% 15.04% 3.48% 10.43%
N/A 5.37% 16.13% 6.95% 9.57% -5.36% 1.58% 1.19% 19.58% 11.94% 8.65% 21.68% 8.17%
N/A 3.30% -0.99% 3.25% 4.60% 12.32% 6.86%
N/A N/A 8.56% 3.70% 10.15% 9.88% 7.55% 4.79% -4.96% -2.95%
6.06%
12.82% 12.98%
N/A 8.94% 6.23% 16.29% 10.62% 13.27%
N/A 8.38% 15.77% 5.64% 12.34%
N/A 6.73% 7.70% 17.55% 13.72% 5.23% 21.01% 19.18%
N/A 8.72% 7.56% 6.23% 10.86% 15.14% 9.31%
N/A N/A 10.76% 10.14% 13.07% 13.69% N/A N/A -3.28% 4.76%
10.23%
8.36% 11.58% -8.70% 4.28% 5.88% 15.49% 3.41% 10.07% 2.54% 6.25% 17.09% 6.00% 9.93% -7.01% 1.26% -8.46% 19.22% 11.56% 2.80% 21.31% 21.62% -5.99% 3.54% -0.72% 2.37% 11.82% 9.69% 6.34% 4.92% 3.26% 9.23% 7.03% 10.02% 10.66% 8.59% 2.31% -8.96% -2.65%
6.33%
1.00% 9.95% 1.69% 2.81% -1.69% 3.12% 2.56% 5.27% 2.43% 4.15% -1.55% 2.31% 5.29%
N/A N/A 9.20% 8.25% 2.12%
-0.87%
3.33% 9.20% 2.97% 4.37% -1.45% 4.42% 4.34% 7.40% 6.00% 4.83% 0.37% 5.17% 5.90%
N/A N/A 8.53% 8.85% 3.50%
3.89%
7.44% 10.27% 8.53% 8.14%
N/A 7.31% 8.20% 9.85% 10.41% 6.22% 2.19% 9.71% 7.99%
N/A N/A 9.66% 12.09% 8.34%
8.41%
3.18% 8.71% 3.00% 3.97% -2.58% 4.16% 4.10% 5.04% 1.46% 4.33% 0.77% 4.83% 4.24% 0.72% -0.36% 8.09% 8.90% 2.72%
3.13%
3.21% -0.77% 2.88% 0.16% 1.32% 2.22% 3.19% 3.33% 0.78% 2.68% 0.66%
N/A 1.95% 2.43% 0.26% 3.46%
3.49% -0.02% 3.96% 2.05% 1.67% 4.73%
N/A 3.03% 2.32% 4.42% 4.20%
N/A N/A 3.43% 0.92% 3.57%
3.61% 0.39% 6.20% 3.44% 2.26% 6.25%
N/A 3.23%
N/A 6.45%
N/A N/A N/A 4.97% 1.77% 3.85%
3.36% 0.17% 3.74% 2.12% 1.68% 4.54% 3.51% 2.79% 2.13% 4.17% 3.62% -2.23% -1.40% 3.17% 1.04% 3.56%
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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 t o 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 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. 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 penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in th e SIMPLE IRA plan). The Investment Divisions offered through the New York Life Premier Variable Annuity II 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 most jurisdictions, the policy form number for the New York Life Premier Variable Annuity II is ICC15-P301 or it is 215-P301.
Page 3 of 5
New York Life Premier Variable Annuity II Performance Summary Premium Based M&E Charge Structure
Average Annual Total Return as of June 30, 2020 (Updated Quarterly)
Investment Divisions1
Volatility/ Risk Level3
Portfolio Inception
Date
Equity
MainStay VP MacKay Common Stock ? Service Class MainStay VP MacKay Growth ? Service Class7
High High
06/02/2003 06/02/2003
MainStay VP CBRE Global Infrastructure -- Service Class
Highest 05/01/2015
MainStay VP Growth Allocation ? Service Class
High
02/13/2006
MainStay VP MacKay International Equity ? Service Class
High
06/02/2003
MainStay VP Winslow Large Cap Growth ? Service Class
High
06/02/2003
MainStay VP MacKay Mid Cap Core ? Service Class MainStay VP MacKay S&P 500 Index ? Service Class5
High High
06/02/2003 06/02/2003
MainStay VP MacKay Small Cap Core - Service Class American Funds IS Global Small Cap Fund? ? Class 4
High High
05/02/2016 12/14/2012
American Funds IS Growth Fund - Class 4
High
12/14/2012
American Funds IS New World Fund - Class 4
Highest 12/14/2012
ClearBridge Variable Appreciation Portfolio -- Class II
High
02/28/2015
Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2
High
04/30/2013
Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2
High
06/01/2000
Delaware VIP Small Cap Value - Service Class
High
05/01/2000
BNY Mellon IP Technology Growth ? Service Shares
Highest 12/29/2000
Fidelity? VIP Contrafund? ? Service Class 2
High
01/12/2000
Fidelity? VIP Emerging Markets ? Service Class 2
Highest 01/23/2008
Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Health Care -- Service Class 2
Fidelity? VIP International Index -- Service Class 2
High High High
01/12/2000 04/30/2019 04/16/2018
Fidelity? VIP Mid Cap ? Service Class 2
High
01/12/2000
Invesco V.I. American Value Fund - Series II
High
05/05/2003
Invesco V.I. International Growth Fund - Series II
High
09/19/2001
Invesco Oppenheimer V.I. Main Street Small Cap Fund - Series II
High
07/16/2001
Janus Henderson VIT Enterprise Portfolio ? Service Shares
High
12/31/1999
Janus Henderson VIT Global Research Portfolio ? Service Shares
High
12/31/1999
Legg Mason/QS Aggressive Model Portfolio - Class II
High
05/01/2020
Legg Mason/QS Moderately Aggressive Model Portfolio - Class II
Moderate 05/01/2020
MFS? International Intrinsic Value Portfolio ? Service Class
High
08/31/2001
MFS? Mid Cap Value Portfolio - Service Class
High
03/07/2008
MFS? Research Series ? Service Class
High
05/01/2000
Neuberger Berman AMT Mid-Cap Growth ? Class S
High
02/18/2003
MainStay VP Small Cap Growth ? Service Class MainStay VP Emerging Markets Equity ? Service Class7
High Highest
02/17/2012 02/17/2012
MainStay VP Mellon Natural Resources ? Initial Class
Highest 02/17/2012
Morgan Stanley VIF U.S. Real Estate - Class II Victory VIF Diversified Stock ? Class A Shares7
High High
11/05/2002 07/01/1999
Equity and Income
MainStay VP Balanced ? Service Class
Moderate 05/01/2005
MainStay VP MacKay Convertible ? Service Class
Moderate 06/02/2003
MainStay VP Epoch U.S. Equity Yield ? Service Class
High
06/02/2003
MainStay VP Income Builder ? Service Class
Moderate 06/02/2003
MainStay VP IQ Hedge Multi-Strategy - Service Class
Moderate 05/01/2013
MainStay VP Moderate Allocation?Service Class
Moderate 02/13/2006
MainStay VP Moderate Growth Allocation?Service Class
High
02/13/2006
American Funds IS Asset Allocation Fund - Class 4
Moderate 12/14/2012
American Funds IS Blue Chip Income and Growth Fund - Class 4
High
12/14/2012
BlackRock? Global Allocation V.I. Fund ? Class III Shares
Moderate 11/18/2003
DWS Alternative Asset Allocation VIP - Class B
Moderate 05/18/2009
Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP FundsManager? 60% -- Service Class
High
01/12/2000
Moderate 08/22/2007
Legg Mason/QS Moderate Model Portfolio - Class II
Moderate 05/01/2020
Legg Mason/QS Moderately Conservative Model Portfolio - Class II
Moderate 05/01/2020
MainStay VP Janus Henderson Balanced ? Service Class
Moderate 02/17/2012
MFS? Investors Trust Series ? Service Class MainStay VP Fidelity Institutional AM? Utilities ? Service Class MainStay VP T. Rowe Price Equity Income ? Service Class7
High High High
05/01/2000 02/17/2012 02/17/2012
Income
MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is 0.01%6
Moderate 06/02/2003
Low
01/29/1993
MainStay VP Conservative Allocation ? Service Class
Moderate 02/13/2006
MainStay VP Floating Rate ? Service Class
Moderate 05/01/2005
MainStay VP MacKay Government ? Service Class
Moderate 06/02/2003
MainStay VP MacKay High Yield Corporate Bond ? Service Class
Moderate 06/02/2003
MainStay VP Indexed Bond ? Service Class
Moderate 05/01/2017
MainStay VP PIMCO Real Return ? Service Class
Moderate 02/17/2012
MainStay VP MacKay Unconstrained Bond ? Service Class
Moderate 05/01/2011
BlackRock? High Yield V.I. Fund ? Class III Shares
Moderate 02/15/2012
Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2
Moderate 04/30/2012
Legg Mason/QS Conservative Model Portfolio - Class II
Moderate 05/01/2020
PIMCO VIT Income Portfolio - Advisor Class
Moderate 04/29/2016
PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class
Moderate 05/01/2014
PIMCO VIT Low Duration Portfolio - Advisor Class
Low
03/31/2006
PIMCO VIT Total Return Portfolio - Advisor Class
Moderate 02/28/2006
Please read the important disclosures regarding the product performance on the following page.
Investment Division Inception Date1
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/02/2016 05/01/2015 11/13/2017 05/01/2015 05/01/2017 05/01/2015 05/01/2015 11/13/2017 05/01/2015 05/01/2015 05/01/2018 05/01/2015 05/01/2019 05/01/2019 05/01/2015 05/01/2015 05/01/2015 05/01/2020 11/13/2017 05/01/2015 05/01/2020 05/01/2020 05/01/2017 05/01/2020 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015
05/01/2015
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2018 11/13/2017 05/01/2015 05/02/2016 05/01/2015 05/01/2019 05/01/2020 05/01/2020 05/01/2015 05/01/2015 05/01/2015 05/01/2015
05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2017 05/01/2015 05/01/2015 05/01/2015 05/01/2015 05/01/2020 05/01/2020 05/01/2015 05/02/2016 05/01/2015
Non-Standardized (Assuming No Surrender)2
Since
Investment
1 Year4
3 Year4
5 Year4
10 Year4
Division Inception
1 Year4
4.78% 18.15% -27.41% -0.32% 5.94% 21.48% -6.62% 7.08% -13.09% 5.54% 25.19% 3.61% 3.49% -15.67% -14.95% -19.30% 29.92% 19.25% 2.87% 35.47% 22.17% -4.31% -8.24% -14.11% -1.82% -3.43% -0.59% 4.78%
N/A N/A 8.13% -9.76% 6.42% 11.85% 5.15% 0.32% -15.94% -23.57%
3.25%
8.53% 15.23% -10.79% 3.77% 5.51% 19.87% 1.80% 10.27% -3.24% 8.04% 17.37% 6.07% 9.69% -6.50% -4.50% -5.17% 21.75% 13.44% 6.03% 28.93% 14.95%
N/A 0.52% -2.18% 2.36% 2.11% 11.59% 8.14%
N/A N/A 7.67% 0.73% 10.70% 13.75% 8.00% 1.32% -7.23% -6.20%
6.86%
8.50% 11.10% -8.13% 4.34% 5.77% 15.11% 3.24% 10.21%
N/A 4.63% 15.38% 5.90% 9.45% -7.73% 1.61% 1.06% 18.42% 11.26% 6.33% 20.96% 9.03%
N/A 2.98% -1.10% 2.77% 4.00% 11.73% 6.70%
N/A N/A 8.58% 3.43% 10.06% 9.45% 7.16% 2.06% -8.20% -1.22%
6.03%
12.95% 12.93%
N/A 9.20% 6.43% 16.43% 10.79% 13.41%
N/A 8.66% 15.66% 5.90% 12.40%
N/A 7.34% 8.19% 17.39% 13.80% 5.16% 20.84% 19.02%
N/A 8.55% 7.74% 6.38% 10.97% 15.20% 9.58%
N/A N/A 10.88% 10.40% 13.33% 13.56% N/A N/A -3.06% 5.70%
10.22%
7.82% 10.68% -8.88% 3.88% 5.16% 14.68% 2.95% 9.46% 2.55% 5.87% 16.21% 5.33% 9.58% -7.68% 1.74% -7.40% 17.57% 10.73% 1.18% 20.10% 26.72% -3.27% 2.94% -0.81% 1.80% 14.46% 9.69% 5.92% 7.40% 6.72% 8.82% 9.66% 9.53% 9.69% 7.91% 0.98% -9.92% -2.23%
5.56%
-3.22% 10.15% -33.22% -8.29% -2.06% 13.48% -14.09% -0.92% -20.04% -2.46% 17.19% -4.39% -4.51% -22.42% -21.75% -25.76% 21.92% 11.25% -5.13% 27.47% 14.17% -11.96% -15.58% -20.98% -9.67% -11.16% -8.54% -3.22%
N/A N/A 0.13% -16.98% -1.58% 3.85% -2.85% -7.68% -22.67% -29.68%
-4.75%
-1.81% 11.89% -7.57% 1.20% 1.22% 3.60% 0.70% 6.26% -0.06% 6.78% -3.32% -4.03% 6.50%
N/A N/A 8.26% 3.23% -7.05%
-11.90%
2.38% 9.89% 2.86% 3.80% 0.12% 4.41% 3.75% 6.67% 3.72% 4.88% -0.08% 3.28% 6.36%
N/A N/A 10.12% 8.88% 3.45%
0.42%
3.51% 8.49% 3.11% 4.70% -1.65% 4.45% 4.23% 7.51% 6.27% 4.40% 0.48% 5.07% 5.98%
N/A N/A 8.53% 9.00% 3.18%
3.68%
7.65% 10.17% 8.79% 8.40%
N/A 7.45% 8.41% 10.10% 10.90% 6.15% 2.27% 10.09% 8.09%
N/A N/A 9.70% 12.32% 8.70%
8.79%
3.19% 8.03% 2.91% 3.86% -2.37% 4.01% 3.81% 6.19% 2.63% 3.86% 0.97% 4.50% 7.06% 5.05% 4.46% 7.86% 8.51% 2.22%
2.93%
-9.66% 3.89% -14.97% -6.80% -6.78% -4.40% -7.30% -1.74% -8.05% -1.22% -11.06% -11.71% -1.50%
N/A N/A 0.26% -4.77% -14.49%
-18.94%
7.74% 1.02% 4.85% -1.89% 5.48% -0.46% 8.52% 8.03% 1.81% 1.07% -1.92%
N/A 1.43% 2.46% 3.19% 8.24%
4.67% 1.24% 4.27% 1.66% 3.14% 3.07% 4.70% 4.49% 2.19% 3.39% 1.59%
N/A 3.48% 4.00% 2.29% 5.02%
3.97% 0.77% 4.13% 2.41% 2.38% 4.52%
N/A 3.29% 2.57% 4.15% 3.91%
N/A N/A 4.21% 1.66% 4.21%
3.56% 0.39% 6.30% 3.37% 2.28% 6.08%
N/A 3.02%
N/A 6.30%
N/A N/A N/A 4.84% 1.85% 3.85%
3.60% 0.74% 3.73% 2.29% 2.12% 4.26% 4.60% 2.87% 2.27% 3.78% 3.38% 3.18% 4.70% 3.47% 1.93% 3.84%
-0.26% -6.98% -3.15% -9.74% -2.52% -8.42% 0.52% 0.03% -6.19% -6.93% -9.76%
N/A -6.57% -5.54% -4.81% 0.24%
Standardized (Assuming Surrender)
3 Year4
5 Year4
10 Year4
Since Investment
Division Inception
6.80% 13.70% -12.61% 1.87% 3.69% 18.46% -0.17% 8.60% -5.22% 6.30% 15.90% 4.26% 8.00% -8.40% -6.45% -7.11% 20.38% 11.86% 4.22% 27.71% 13.42%
N/A -1.50% -4.18% 0.41% 0.15% 9.96% 6.41%
N/A N/A 5.91% -1.28% 9.04% 12.19% 6.26% -0.66% -9.12% -8.11%
5.08%
7.91% 10.57% -8.88% 3.66% 5.12% 14.65% 2.53% 9.66%
N/A 3.95% 14.93% 5.26% 8.88% -8.48% 0.85% 0.28% 18.01% 10.74% 5.69% 20.58% 8.46%
N/A 2.26% -1.90% 2.04% 3.31% 11.22% 6.07%
N/A N/A 8.00% 2.72% 9.51% 8.89% 6.54% 1.31% -8.94% -2.02%
5.39%
12.95% 12.93%
N/A 9.20% 6.43% 16.43% 10.79% 13.41%
N/A 8.66% 15.66% 5.90% 12.40%
N/A 7.34% 8.19% 17.39% 13.80% 5.16% 20.84% 19.02%
N/A 8.55% 7.74% 6.38% 10.97% 15.20% 9.58%
N/A N/A 10.88% 10.40% 13.33% 13.56% N/A N/A -3.06% 5.70%
10.22%
7.39% 10.30% -9.42% 3.38% 4.68% 14.35% 2.43% 9.06% 1.65% 5.41% 14.41% 4.86% 8.27% -8.23% 1.19% -9.56% 17.27% 10.35% -1.60% 19.83% 20.93% -9.10% 2.42% -1.39% 1.25% 6.46% 7.69% 5.46% -0.60% -1.28% 7.49% 1.66% 9.13% 9.30% 7.49% 0.41% -10.45% -2.80%
5.09%
0.43% 8.21% 0.93% 1.91% -1.92% 2.54% 1.86% 4.89% 1.82% 3.03% -2.12% 1.37% 4.56%
N/A N/A 8.44% 7.17% 1.55%
-1.60%
2.80% 7.91% 2.39% 4.03% -2.45% 3.77% 3.54% 6.90% 5.64% 3.72% -0.32% 4.40% 5.34%
N/A N/A 7.95% 8.43% 2.46%
2.98%
7.65% 10.17% 8.79% 8.40%
N/A 7.45% 8.41% 10.10% 10.90% 6.15% 2.27% 10.09% 8.09%
N/A N/A 9.70% 12.32% 8.70%
8.79%
2.67% 7.61% 2.39% 3.36% -2.94% 3.51% 3.31% 3.57% 0.41% 3.36% 0.02% 4.02% 1.10% -2.95% -3.54% 7.43% 8.09% 1.68%
2.41%
2.81% -0.75% 2.40% -0.31% 1.22% 1.15% 2.84% 2.62% 0.23% 1.48% -0.39%
N/A 1.58% 2.12% 0.34% 3.18%
3.27% -0.02% 3.44% 1.68% 1.64% 3.84%
N/A 2.58% 1.84% 3.46% 3.21%
N/A N/A 3.52% 0.90% 3.52%
3.56% 0.39% 6.30% 3.37% 2.28% 6.08%
N/A 3.02%
N/A 6.30%
N/A N/A N/A 4.84% 1.85% 3.85%
3.10% 0.17% 3.23% 1.75% 1.58% 3.77% 3.14% 2.34% 1.74% 3.28% 2.87% -4.82% -3.30% 2.96% 1.02% 3.34%
Page 4 of 5
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 t o 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 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. 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 penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in th e SIMPLE IRA plan). The Investment Divisions offered through the New York Life Premier Variable Annuity II 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 most jurisdictions, the policy form number for the New York Life Premier Variable Annuity II is ICC15-P301 or ir is 215-P301
Page 5 of 5
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