Trusted Guidance and Protection | New York Life Insurance

index.html - {keywords1}- A trusted partner in protecting clients' financial futures since 1845, New York Life can help guide the financial decisions to achieve their retirement goals.


What we offer drawer focus Insurance Term life insurance

Temporary protection, at a lower cost than other options, that can be converted to permanent

Whole life insurance

Permanent policies with a guaranteed death benefit and guaranteed cash value that grows over time

Universal life insurance

Long-term coverage that’s highly customizable to your needs and budget

Variable universal life insurance

Long-term coverage protection with the ability to invest your policy’s cash value in the market 

Long-term care insurance

Helps to pay for someone to help you with everyday tasks, if you ever need it

Individual disability insurance

Helps to replace lost income if sickness or injury prevent you from working

All insurance Investments Annuities

Stable, long-term options that eventually provide an income stream

Mutual funds

Professionally managed investments with potential market gains

Exchange traded funds (ETFs)

Bundled investments with low fees that you can quickly buy or sell

529 college savings plans

Investments designed to help you pay for college or other education expenses

All investments Retirement Immediate income annuities

Start to receive income now, for as long as you need it, with potential for additional earnings

Deferred income annuities

Receive income for life and larger payouts by delaying them for at least a few years

All retirement options Advisory services Wealth management

Expertise and guidance to create your investment strategy and help you plan for future financial needs

Estate planning

Guidance to help identify potential needs and set you up with an estate plan that can protect your legacy

Small business

Insurance for employees, executives, or business owners, plus many other options to help a small business thrive

All advisory services

Learn about your life insurance options

We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

Life insurance How we help drawer focus Personalized guidance Locate an agent near you

Search by zip code, areas of expertise, community focus, and/or language(s) spoken

Let us connect you with someone

Submit a request for an agent to contact you about your specific needs

Why work with an agent? Financial education and tools Life insurance 101

Everything you need to know about finding the right type and amount of life insurance for you

Prepare for life

Learn how our custom solutions can help you through many different phases of your life

Calculators and tools

Get a better sense of your needs and goals to simplify the process of getting started


Frequently used insurance terms, annuity definitions, and other financial terminology that you might encounter

All articles and insights

Find the right agent for you

You can search for a New York Life agent in your area who has the expertise to address your needs

Start your search Who we are drawer focus About New York Life Our financial strength

See why New York Life consistently earns the highest financial ratings

Corporate social responsibility

We’re committed to doing what’s right for our customers and our communities

Love Takes Action™

Giving back to people who take care of their communities and the people they love

About New York Life The New York Life Foundation Our purpose

Making a difference at a local and national level through charitable giving


Financial support for bereavement, education, workplace, and local initiatives


Bereavement support and information for families, schools, and communities

Taking action

See how our outreach has affected communities and young people across the country

New York Life Foundation overview Careers Financial professional careers

Increase your income potential while helping families protect their own financial futures

Corporate careers

Experience personal and professional growth at a purpose-driven company

Our culture

See what it’s like to be part of our diverse and welcoming workplace

All careers Newsroom Newsroom home

Learn about our people, history, priorities, or a range of current topics


See why we’ve been recognized by many organizations as an industry leader

Press resources

Press releases, media contacts, leadership bios, and news articles

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Committed to responsible investing

We take a holistic view of any opportunity, including environmental, social, and governance issues

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NYLIFE Securities MainStay Mutual Funds Retirement Plan Services

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LIFE INSURANCE More than a policy. An act of love.

Over 175 years of helping families put love into action.

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One-on-one guidance to help you protect what you have while growing more

Working with us means never having to make financial decisions alone. We connect you with an agent in your community–someone who understands your needs and priorities. Together, you’ll find the right approach to protect your family and help them prosper.

Financial expertise, human connection

We have 12,000+ agents around the country, and you can choose the one who’ll be dedicated to addressing your unique needs

Comprehensive, customized solutions

We offer best-in-class products and solutions that adapt to your changing needs to help grow your financial security and your peace of mind

A commitment to doing what’s right

For 175+ years, through financial ups and downs, we’ve remained accountable to our policy owners while upholding our values of diversity, responsibility, and service

See how we can help Find an agent

New York Life publishes 2023 Report to Policy Owners

The 2023 report underscores New York Life’s continued commitment to financial strength, mutuality, and sustained growth. With a long-term focus on our policy owners, we’ve made significant investments in the growth of our company, our agents, and our advisors.

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Our agents provide life insurance and solutions to many other needs

Whether you’re just starting to think about your financial future or managing a complex situation, we tailor our flexible solutions to your needs. We explain our offerings in plain language and help you create customized solutions to meet your needs and budget.

Protect your family financially

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Grow your savings and wealth

See investments

Prepare for retirement income needs

See retirement

Get financial or business guidance

See advisory services

Want to learn more about financial protection and growth? Start here

If there’s more you want to know before talking to an agent, we can help. We have articles, 101 guides, and financial calculators to help you clarify your needs and goals.

Learn the basics Understand costs ARTICLE

Life insurance 101

Insurance articles ARTICLE

Term vs. permanent life insurance

Insurance articles ARTICLE

5 strategies to diversify your investment portfolio

Investment articles ARTICLE

Learn the differences between a will, trust, and estate

Estate planning articles Explore more topics

Living expenses calculator

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Retirement needs calculator

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College savings calculator

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Long-term care costs by state and region

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We've been in the business of doing good since 1845

From fulfilling our promises to responsible investing to community engagement, everything we do is for the good of our customers, our employees, and the communities we serve.

Mutuality means a commitment to you

As the largest mutual insurer in the U.S., we operate for the benefit of policy owners 1 , including paying them $2 billion in dividends in 2022 alone 2

A history of financial strength

We have the highest financial strength ratings of all four major ratings agencies, based on our years of keeping promises to policy owners 3

Dedicated to making a difference

We’re on a mission to make our world a better place to live, contributing 145,000+ volunteer hours and more than $32 million in charitable donations in a single year 4

A diverse company to serve all

With a workforce that’s more than one-half female and one-third people of color, we reflect the communities we serve and are prepared to help each and every family 4

Learn more about New York Life

We support communities and help bring people together

At New York Life, we go above and beyond every day to help individuals, families, and communities thrive.


Life-changing grant opportunities

The New York Life Foundation is dedicated to engaging with the communities where we live and work. We support our agents and employees with local and national grant opportunities that fit their philanthropic passions – including educational enhancement, childhood bereavement, grassroots community efforts, and workplace initiatives.

Learn more SERIES

Kai s Journey - Lost in the Middle

For Kai and his friends, grief and loss are lifelong journeys. The same goes for real children and their families - it doesn’t just end when the book ends. That’s why we’ve expanded the series with our newest book,  Lost in the Middle , a graphic novel for middle schoolers.

Download and learn more NEWSROOM

Impact investment strategy

At New York Life, we announced our   $1 billion impact investment initiative in April 2021 to help address the racial wealth gap in America and expand economic opportunity more broadly, with a goal to invest these funds over three years. Just 18 months later, that milestone has been met.

Learn more

1 Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/5/23. For methodology, please see

2 Dividends are paid on participating policies and are based on the policy's applicable dividend scale, which is neither guaranteed nor an estimate of future performance results.

3 The “highest ratings currently awarded” refers to the highest ratings currently awarded to any U.S. life insurer, specifically: AM Best A++ (as of 9/30/2022), Fitch Ratings AAA (as of 11/4/2022), Moody’s Aaa (as of 12/9/2022), and Standard & Poor’s AA+ (as of 7/29/2022). Source: third-party reports. Learn more: .

4 Stated figures are as of February 2023.

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