Group Office Overhead
Expense Insurance
for Members of the American Academy of Pediatrics
Underwritten by
New York Life Insurance Company
'ͲϰϲϲϮϮͲϬ
Without you, what would happen to your practice? And without your practice,
what would happen to you? Would the bills stop coming in just because you
became disabled? If you find these questions troubling, Office Overhead
Expense Insurance can help provide a comforting solution.
ƐĂŵĞŵďĞƌŽĨƚŚĞŵĞƌŝĐĂŶĐĂĚĞŵLJŽĨWĞĚŝĂƚƌŝĐƐ͕LJŽƵ
ŚĂǀĞĂŶŽƉƉŽƌƚƵŶŝƚLJŽƚŚĞƌƐĚŽŶ͛ƚ͘dŚĞW/ŶƐƵƌĂŶĐĞ
WƌŽŐƌĂŵŚĂƐƉƵƚƚŽŐĞƚŚĞƌĨĞĂƚƵƌĞƐŽŶ'ƌŽƵƉKĸĐĞ
KǀĞƌŚĞĂĚdžƉĞŶƐĞ/ŶƐƵƌĂŶĐĞƚŚĂƚŚĞůƉƐƉƌŽƚĞĐƚLJŽƵƌ
ĞŵƉůŽLJĞĞƐ͛ƐĂůĂƌŝĞƐ͕LJŽƵƌƉĞĚŝĂƚƌŝĐƉƌĂĐƟĐĞ͕ĂŶĚLJŽƵƌ
ŽďůŝŐĂƟŽŶƐŝĨLJŽƵĂƌĞƵŶĂďůĞƚŽǁŽƌŬ͘
īŽƌĚĂďŝůŝƚLJ
dŚĞW/ŶƐƵƌĂŶĐĞWƌŽŐƌĂŵŐŝǀĞƐLJŽƵĂĐĐĞƐƐƚŽŐƌŽƵƉďƵLJŝŶŐ
ƉŽǁĞƌ͘hŶůŝŬĞƉůĂŶƐLJŽƵŵŝŐŚƚĮŶĚŝŶƚŚĞŐĞŶĞƌĂůŵĂƌŬĞƚ͕LJŽƵ
ŐĞƚƚŚĞďĞŶĞĮƚŽĨLJŽƵƌŐƌŽƵƉĂƐƐŽĐŝĂƟŽŶ͘WůƵƐ͕ĂƐƉĂƌƚŽĨĂ
ŐƌŽƵƉƉůĂŶ͕LJŽƵĐĂŶŶĞǀĞƌďĞƐŝŶŐůĞĚŽƵƚĨŽƌĂƌĂƚĞŝŶĐƌĞĂƐĞ͘
ĚǀŽĐĂĐLJ
&ŽƌĚĞĐĂĚĞƐ͕ƚŚĞW'ƌŽƵƉ/ŶƐƵƌĂŶĐĞdƌƵƐƚŚĂƐďĞĞŶ
ƐƉŽŶƐŽƌŝŶŐĐƵƐƚŽŵŝnjĞĚƉůĂŶƐƚŽŵĞĞƚƚŚĞŶĞĞĚƐŽĨ
ƉĞĚŝĂƚƌŝĐŝĂŶƐ͘KƵƌƉůĂŶĂĚŵŝŶŝƐƚƌĂƚŽƌ͕h^/ĸŶŝƚLJ͕ĞŵƉůŽLJƐ
ĂƚĞĂŵƚŽĂŶƐǁĞƌƋƵĞƐƟŽŶƐĂŶĚŚĞůƉLJŽƵƵŶĚĞƌƐƚĂŶĚLJŽƵƌ
ŽƉƟŽŶƐ͘tĞ͛ƌĞLJŽƵƌĂĚǀŽĐĂƚĞ͕ĂŶĚǁĞǁŽƌŬŚĂƌĚƚŽƵŶĚĞƌƐƚĂŶĚ
ĂŶĚĂŶƟĐŝƉĂƚĞLJŽƵƌŶĞĞĚƐĂƐĂƉĞĚŝĂƚƌŝĐŝĂŶ͘
^ƚĂďŝůŝƚLJ
W'ƌŽƵƉ/ŶƐƵƌĂŶĐĞdƌƵƐƚĂŶĚh^/ĸŶŝƚLJŚĂǀĞŐŽŶĞƚŚƌŽƵŐŚ
ƚŚĞƉĂĐĞƐŽĨĚƵĞĚŝůŝŐĞŶĐĞƚŽĞŶƐƵƌĞƚŚĂƚLJŽƵ͛ƌĞŐĞƫŶŐ
ĐŽǀĞƌĂŐĞĨƌŽŵĂƌĞƐƉĞĐƚĞĚŝŶƐƵƌĂŶĐĞĐĂƌƌŝĞƌ͘dŚŝƐƉůĂŶŝƐ
ƵŶĚĞƌǁƌŝƩĞŶďLJEĞǁzŽƌŬ>ŝĨĞ͕ĂůĞĂĚŝŶŐŝŶƐƵƌĂŶĐĞƉƌŽǀŝĚĞƌ
ǁŚŽŝƐƌĂƚĞĚнн;^ƵƉĞƌŝŽƌͿďLJ͘D͘ĞƐƚĨŽƌĮŶĂŶĐŝĂůƐƚƌĞŶŐƚŚ
ĂŶĚŝƐĂƌĞĐŽŐŶŝnjĞĚůĞĂĚĞƌŝŶƐĞƌǀŝĐĞĂŶĚĐůĂŝŵƐĞdžƉĞƌŝĞŶĐĞϭ͘
ůŝŐŝďŝůŝƚLJ
DĞŵďĞƌƐŽĨƚŚĞŵĞƌŝĐĂŶĐĂĚĞŵLJŽĨWĞĚŝĂƚƌŝĐƐǁŚŽĂƌĞ
ƵŶĚĞƌĂŐĞϲϬĂŶĚƌĞƐŝĚĞŶƚƐŽĨƚŚĞh͘^͕͘ŶŽƚŝŶŵŝůŝƚĂƌLJƐĞƌǀŝĐĞ
ĂŶĚĂƌĞĂƚ&h>>Ͳd/DtKZ<ϮŵĂLJĂƉƉůLJĨŽƌĐŽǀĞƌĂŐĞ͘WŽůŝĐLJ
ĞůŝŐŝďŝůŝƚLJŝƐĐŽŶƚŝŶŐĞŶƚƵƉŽŶŵĂŝŶƚĂŝŶŝŶŐŵĞŵďĞƌƐŚŝƉŝŶƚŚĞ
W͘
30-Day Free Look
How the Plan Works
zŽƵĐĂŶĞůĞĐƚƚŽƌĞĐĞŝǀĞŵŽŶƚŚůLJďĞŶĞĮƚƐĨŽƌƵƉƚŽϭϮŽƌƵƉƚŽ
ϮϰŵŽŶƚŚƐĨŽƌĐŽǀĞƌĞĚŽǀĞƌŚĞĂĚĞdžƉĞŶƐĞƐŝĨLJŽƵƐƵīĞƌĂdŽƚĂů
ŝƐĂďŝůŝƚLJǁŚŝůĞŝŶƐƵƌĞĚƵŶĚĞƌƚŚĞƉŽůŝĐLJĚƵĞƚŽĂĐŽǀĞƌĞĚŝůůŶĞƐƐ
ŽƌĂĐĐŝĚĞŶƚ͕ĂŶĚĂƐĂƌĞƐƵůƚ͕ĂƌĞĐŽŶƟŶƵŽƵƐůLJĂŶĚĐŽŵƉůĞƚĞůLJ
ƵŶĂďůĞƚŽƉĞƌĨŽƌŵĂůůŽĨƚŚĞƐƵďƐƚĂŶƟĂůĂŶĚŵĂƚĞƌŝĂůĚƵƟĞƐ
ŽĨLJŽƵƌŽĐĐƵƉĂƟŽŶ͘/ĨƚŚĞƌĞƐƵůƚŽĨĂŶĂĐĐŝĚĞŶƚ͕LJŽƵƌdŽƚĂů
ŝƐĂďŝůŝƚLJŵƵƐƚďĞŐŝŶǁŝƚŚŝŶϯϬĚĂLJƐŽĨƐĂŝĚĂĐĐŝĚĞŶƚ͘zŽƵŵƵƐƚ
ďĞƵŶĚĞƌƚŚĞĐĂƌĞŽĨĂůŝĐĞŶƐĞĚƉŚLJƐŝĐŝĂŶĨŽƌLJŽƵƌĐŽǀĞƌĞĚ
ĚŝƐĂďŝůŝƚLJ͘ĞŶĞĮƚƐĂƌĞƉĂŝĚƌĞŐĂƌĚůĞƐƐŽĨŽƚŚĞƌŝŶƐƵƌĂŶĐĞ
ĐŽǀĞƌĂŐĞLJŽƵŵĂLJŚĂǀĞ͕ĂŶĚƚŚŝƐĐŽǀĞƌĂŐĞĂƵƚŽŵĂƟĐĂůůLJ
ƌĞŶĞǁƐ͕ĂƐůŽŶŐĂƐĂƉƉůŝĐĂďůĞƚĞƌŵƐĂŶĚĐŽŶĚŝƟŽŶƐĂƌĞŵĞƚ͘
Covered Overhead Expenses
dŚĞƌĞĂƌĞŵĂŶLJĞdžƉĞŶƐĞƐƚŚĂƚƚŚŝƐƉůĂŶǁŝůůĐŽǀĞƌƚŽŚĞůƉŬĞĞƉ
LJŽƵƌƉƌĂĐƟĐĞƌƵŶŶŝŶŐ͘ůŝŐŝďůĞĞdžƉĞŶƐĞƐŝŶĐůƵĚĞ͗ƌĞŶƚĂŶĚ
ůĞĂƐĞĚĞƋƵŝƉŵĞŶƚ͕ƐĂůĂƌŝĞƐĨŽƌĞdžŝƐƟŶŐĞŵƉůŽLJĞĞƐ͕ƵƟůŝƟĞƐ
ĂŶĚƉŚŽŶĞ͕ƚĂdžĞƐ͕ŝŶƐƵƌĂŶĐĞƉƌĞŵŝƵŵƐ͕ĂŶĚĚĞƉƌĞĐŝĂƟŽŶĂŶĚ
ŽƚŚĞƌĮdžĞĚŽǀĞƌŚĞĂĚĞdžƉĞŶƐĞƐĂƐĂƌĞŶŽƌŵĂůĂŶĚĐƵƐƚŽŵĂƌLJ
ŝŶƚŚĞŽƉĞƌĂƟŽŶŽĨLJŽƵƌƉƌĂĐƟĐĞ͘zŽƵŵƵƐƚĂĐƚƵĂůůLJŝŶĐƵƌƚŚĞ
ŽǀĞƌŚĞĂĚĞdžƉĞŶƐĞŝŶƚŚĞĐŽƵƌƐĞŽĨŽƉĞƌĂƟŽŶŽĨLJŽƵƌŽĸĐĞ͘
/ĨLJŽƵƌƉƌĂĐƟĐĞŝƐŝŶĐŽƌƉŽƌĂƚĞ͕ƚŚŝƐƉůĂŶƉĂLJƐďĞŶĞĮƚƐŝŶ
ƉƌŽƉŽƌƟŽŶƚŽLJŽƵƌƐŚĂƌĞŽĨŽǁŶĞƌƐŚŝƉĂƚƚŚĞƟŵĞŽĨLJŽƵƌ
ĐŽǀĞƌĞĚĚŝƐĂďŝůŝƚLJ͘/ĨLJŽƵŚĂǀĞŵŽƌĞƚŚĂŶŽŶĞŽĸĐĞ͕ďĞŶĞĮƚƐ
ĂƌĞƉĂŝĚĨŽƌƚŚĞƚŽƚĂůŽĨĂůůĞůŝŐŝďůĞŽǀĞƌŚĞĂĚĞdžƉĞŶƐĞƐƵƉƚŽ
LJŽƵƌƐĞůĞĐƚĞĚůŝŵŝƚƐ͘
ůŝŐŝďůĞKǀĞƌŚĞĂĚdžƉĞŶƐĞƐĚŽŶŽƚŝŶĐůƵĚĞ͗LJŽƵƌƐĂůĂƌLJ͕ĨĞĞƐ͕
ĚƌĂǁŝŶŐĂĐĐŽƵŶƚƐ͕ŽƌŽƚŚĞƌƌĞŵƵŶĞƌĂƟŽŶƌĞĐĞŝǀĞĚ͖ƚŚĞƐĂůĂƌLJ
ŽƌƉƌŽĨĞƐƐŝŽŶĂůĨĞĞŽĨĂŶLJŝŶĚŝǀŝĚƵĂůŚŝƌĞĚĂŌĞƌƚŚĞĚĂƚĞLJŽƵƌ
ĚŝƐĂďŝůŝƚLJďĞŐŝŶƐ͖ŝŶĐŽŵĞƚĂdžĞƐ͖ƉĞƌƐŽŶĂůĞdžƉĞŶƐĞƐ͖ĐŚĂƌŝƚĂďůĞ
ĐŽŶƚƌŝďƵƟŽŶƐ͖ƚŚĞĐŽƐƚŽĨŽĸĐĞĞƋƵŝƉŵĞŶƚ͖ƚŚĞĐŽƐƚŽĨ
ŝŵƉůĞŵĞŶƚƐŽĨLJŽƵƌƉƌŽĨĞƐƐŝŽŶ͖ƚŚĞĐŽƐƚŽĨĂƵƚŽƌĞŶƚĂůͬůĞĂƐŝŶŐ͖
ƚŚĞĐŽƐƚŽĨůĂŶĚƐĐĂƉŝŶŐ͖ŽƌƚŚĞƉĂLJŵĞŶƚŽĨƉƌŝŶĐŝƉĂůŽŶĂŶLJ
ŝŶĚĞďƚĞĚŶĞƐƐ͘
zŽƵƌŚŽŝĐĞŽĨDŽŶƚŚůLJĞŶĞĮƚŵŽƵŶƚ
ƉƉůLJĨŽƌŵŽŶƚŚůLJďĞŶĞĮƚĂŵŽƵŶƚƐďĞƚǁĞĞŶΨϭ͕ϬϬϬĂŶĚ
ΨϭϬ͕ϬϬϬŝŶΨϭϬϬŝŶĐƌĞŵĞŶƚƐ͘dŚĞďĞŶĞĮƚƉĂLJĂďůĞǁŝůůďĞƚŚĞ
ůĞƐƐĞƌŽĨƚŚĞDŽŶƚŚůLJĞŶĞĮƚŵŽƵŶƚLJŽƵƐĞůĞĐƚĂŶĚƚŚĞ
ůŝŐŝďůĞKǀĞƌŚĞĂĚdžƉĞŶƐĞƐŝŶĐƵƌƌĞĚ͘
Once your coverage is approved, you will be sent a Certificate of Insurance summarizing your benefits under the Plan. If you are
not completely satisfied with the terms of the Certificate, you may return it, without claim, within 30 days. We will refund your
entire premium contribution and invalidate your coverage.
WůĂŶ&ĞĂƚƵƌĞƐΘĞŶĞĮƚƐ
tĂŝƟŶŐWĞƌŝŽĚ
dŚĞtĂŝƟŶŐWĞƌŝŽĚŝƐƚŚĞŶƵŵďĞƌŽĨĐŽŶƐĞĐƵƟǀĞĚĂLJƐLJŽƵŵƵƐƚ
ďĞdŽƚĂůůLJŝƐĂďůĞĚďĞĨŽƌĞďĞŶĞĮƚƐďĞŐŝŶ͘dŚŝƐƉůĂŶŚĂƐĂϯϬͲĂLJ
tĂŝƟŶŐWĞƌŝŽĚ͘
dĂdžͲĞĚƵĐƟďůĞWƌĞŵŝƵŵƐ
WƌĞŵŝƵŵƐĂƌĞƚLJƉŝĐĂůůLJƚĂdžͲĚĞĚƵĐƟďůĞĂƐĂďƵƐŝŶĞƐƐĞdžƉĞŶƐĞ͘ŶLJ
ďĞŶĞĮƚƉĂLJŵĞŶƚƐĂƌĞŐĞŶĞƌĂůůLJƚĂdžĂďůĞ͘zŽƵƐŚŽƵůĚĐŽŶƐƵůƚǁŝƚŚ
LJŽƵƌƉĞƌƐŽŶĂůƚĂdžĂĚǀŝƐŽƌĨŽƌĨƵƌƚŚĞƌŝŶĨŽƌŵĂƟŽŶ͘
ZĞĐƵƌƌŝŶŐŝƐĂďŝůŝƚLJ
hŶĚĞƌƚŚŝƐƉůĂŶ͕ƌĞĐƵƌƌŝŶŐĚŝƐĂďŝůŝƟĞƐƚŚĂƚĂƌĞĚƵĞƚŽƚŚĞƐĂŵĞŽƌ
ƌĞůĂƚĞĚĐĂƵƐĞƋƵĂůŝĨLJĨŽƌĐŽǀĞƌĂŐĞƵŶĚĞƌƚŚĞƐĂŵĞďĞŶĞĮƚƉĞƌŝŽĚ͘
/ĨLJŽƵƐŚŽƵůĚƌĞƚƵƌŶƚŽǁŽƌŬĨŽƌĂƚůĞĂƐƚϲĐŽŶƐĞĐƵƟǀĞŵŽŶƚŚƐ;Žƌ
ůŽŶŐĞƌͿďĞƚǁĞĞŶƉĞƌŝŽĚƐŽĨĚŝƐĂďŝůŝƚLJ͕ĂŶĞǁǁĂŝƟŶŐƉĞƌŝŽĚǁŝůů
ĂƉƉůLJďĞĨŽƌĞďĞŶĞĮƚƐĂƌĞƉĂŝĚ͘
tĂŝǀĞƌŽĨWƌĞŵŝƵŵ
/ƚ͛ƐŐŽŽĚƚŽŬŶŽǁƚŚĂƚLJŽƵƌŝŶƐƵƌĂŶĐĞǁŝůůĐŽŶƟŶƵĞƐŚŽƵůĚLJŽƵ
ďĞĐŽŵĞƚŽƚĂůůLJĚŝƐĂďůĞĚ͘WƌĞŵŝƵŵƉĂLJŵĞŶƚƐĨŽƌLJŽƵƌĐŽǀĞƌĂŐĞǁŝůů
ďĞǁĂŝǀĞĚŝĨLJŽƵďĞĐŽŵĞƚŽƚĂůůLJĚŝƐĂďůĞĚĨŽƌĂƉĞƌŝŽĚŽĨĂƚůĞĂƐƚƐŝdž
ŵŽŶƚŚƐ͘WůĞĂƐĞƌĞĨĞƌƚŽLJŽƵƌĞƌƟĮĐĂƚĞŽĨ/ŶƐƵƌĂŶĐĞĨŽƌĂƉƉůŝĐĂďůĞ
ĐŽŶĚŝƟŽŶƐ͘
tŽƌůĚǁŝĚĞŽǀĞƌĂŐĞ
KŶĐĞLJŽƵƌĐŽǀĞƌĂŐĞŝƐĞīĞĐƟǀĞ͕LJŽƵĂƌĞƉƌŽƚĞĐƚĞĚǁŚĞƌĞǀĞƌLJŽƵ
ƚƌĂǀĞůͶǁŚĞƚŚĞƌĨŽƌďƵƐŝŶĞƐƐŽƌƉĞƌƐŽŶĂůͶĂƐůŽŶŐĂƐLJŽƵƌĞŵĂŝŶĂ
h͘^͘ƌĞƐŝĚĞŶƚϯ͘
^ƵŵŵĂƌLJŽĨdĞƌŵƐΘŽŶĚŝƟŽŶƐ
tŚĞŶŽǀĞƌĂŐĞĞŐŝŶƐ
ŽǀĞƌĂŐĞďĞĐŽŵĞƐĞīĞĐƟǀĞŽŶƚŚĞĮƌƐƚĚĂLJŽĨƚŚĞŵŽŶƚŚĨŽůůŽǁŝŶŐ
ƚŚĞĚĂƚĞƚŚĞĂƉƉůŝĐĂƟŽŶŝƐĂƉƉƌŽǀĞĚ͕ƉƌŽǀŝĚĞĚƚŚĞŝŶŝƟĂůƉƌĞŵŝƵŵ
ŝƐƉĂŝĚǁŝƚŚŝŶϯϭĚĂLJƐĂŌĞƌďŝůůŝŶŐĂŶĚĂŶLJƉĞƌƐŽŶƉƌŽƉŽƐĞĚĨŽƌ
ŝŶƐƵƌĂŶĐĞŝƐĂƚ&h>>Ͳd/DtKZ<͘/ĨLJŽƵĂƌĞŶŽƚĂƚ&h>>Ͳd/DtKZ<
ŽŶƚŚĞĚĂƚĞLJŽƵƌĂƉƉůŝĐĂƟŽŶŝƐĂƉƉƌŽǀĞĚ͕ĐŽǀĞƌĂŐĞǁŝůůŶŽƚŐŽŝŶƚŽ
ĞīĞĐƚƵŶƟůƚŚĞĚĂƚĞLJŽƵƌĞƚƵƌŶƚŽ&h>>Ͳd/DtKZ<͕ƉƌŽǀŝĚĞĚLJŽƵ
ĂƌĞƐƟůůĞůŝŐŝďůĞĂŶĚƚŚĞĚĂƚĞŝƐǁŝƚŚŝŶƚŚƌĞĞŵŽŶƚŚƐŽĨƚŚĞĚĂƚĞ
ƚŚĞŝŶƐƵƌĂŶĐĞǁŽƵůĚŚĂǀĞŽƚŚĞƌǁŝƐĞƚĂŬĞŶĞīĞĐƚ͘WĂLJŵĞŶƚŽĨĂ
ƉƌĞŵŝƵŵĐŽŶƚƌŝďƵƟŽŶĚŽĞƐŶŽƚŵĞĂŶĐŽǀĞƌĂŐĞŝƐŝŶĨŽƌĐĞ͘
tŚĞŶĞŶĞĮƚƐŶĚ
ĞŶĞĮƚƐǁŝůůĐĞĂƐĞĂƚƚŚĞĞĂƌůŝĞƌŽĨƚŚĞĨŽůůŽǁŝŶŐ͗ĂͿLJŽƵƌĐŽǀĞƌĞĚ
ĚŝƐĂďŝůŝƚLJĞŶĚƐ͖ďͿƚŚĞŵĂdžŝŵƵŵďĞŶĞĮƚƉĞƌŝŽĚĞŶĚƐ͖ĐͿŝĨƌĞƋƵŝƌĞĚ
ƉƌŽŽĨŽĨĐŽŶƟŶƵŝŶŐĚŝƐĂďŝůŝƚLJŝƐŶŽƚƉƌŽǀŝĚĞĚ͖ŽƌĚͿLJŽƵƐƚŽƉ
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tŚĞŶŽǀĞƌĂŐĞŶĚƐ
zŽƵƌĐŽǀĞƌĂŐĞǁŝůůƌĞŵĂŝŶŝŶĨŽƌĐĞƵŶƟůƚŚĞĞĂƌůŝĞƌŽĨ͗ĂͿLJŽƵ
ƌĞĂĐŚĂŐĞϳϬ͖ďͿLJŽƵĨĂŝůƚŽƉĂLJƉƌĞŵŝƵŵƐǁŚĞŶĚƵĞ͖ĐͿLJŽƵ
ĚŝƐĐŽŶƟŶƵĞLJŽƵƌŵĞŵďĞƌƐŚŝƉŝŶƚŚĞĂƐƐŽĐŝĂƟŽŶ͖ĚͿƚŚĞ'ƌŽƵƉ
WŽůŝĐLJŝƐƚĞƌŵŝŶĂƚĞĚďLJEĞǁzŽƌŬ>ŝĨĞŽƌƚŚĞWŽůŝĐLJŚŽůĚĞƌ͖ĞͿƚŚĞ
'ƌŽƵƉWŽůŝĐLJŝƐŵŽĚŝĮĞĚƚŽĞdžĐůƵĚĞƚŚĞĐůĂƐƐŽĨŝŶƐƵƌĞĚŝŶǁŚŝĐŚ
LJŽƵďĞůŽŶŐ͖ĨͿLJŽƵĂƌĞŶŽůŽŶŐĞƌĂƚ&h>>Ͳd/DtKZ<͖ŐͿLJŽƵďĞŐŝŶ
ĂĐƟǀĞĚƵƚLJŝŶƚŚĞŵŝůŝƚĂƌLJ͖ŚͿŽƌLJŽƵĞůĞĐƚƚŽĞŶĚĐŽǀĞƌĂŐĞ͘
ŽǀĞƌĂŐĞdžĐůƵƐŝŽŶƐ
ŝƐĂďŝůŝƟĞƐƚŚĂƚĂƌĞĚƵĞŽƌƌĞůĂƚĞĚƚŽƚŚĞĨŽůůŽǁŝŶŐĂƌĞĞdžĐůƵĚĞĚ
ĨƌŽŵĐŽǀĞƌĂŐĞ͗ĂŝƌƚƌĂǀĞů;ĞdžĐĞƉƚǁŚĞŶĂĨĂƌĞͲƉĂLJŝŶŐƉĂƐƐĞŶŐĞƌ
ŽŶĂůŝĐĞŶƐĞĚĐŽŵŵĞƌĐŝĂů͕ŶŽŶͲŵŝůŝƚĂƌLJĂŝƌĐƌĂŌͿ͖ŵŝůŝƚĂƌLJƐĞƌǀŝĐĞ͖
ƐĞůĨͲŝŶŇŝĐƚĞĚŝŶũƵƌLJǁŚŝůĞƐĂŶĞŽƌŝŶƐĂŶĞΎ͖ƉƌĞŐŶĂŶĐLJ͕ĞdžĐĞƉƚ
ĐŽŵƉůŝĐĂƟŽŶƐƚŚĞƌĞŽĨ͖LJŽƵƌǀŽůƵŶƚĂƌLJŝŶƚĂŬĞŽĨĚƌƵŐƐ͕ŝŶƚŽdžŝĐĂŶƚƐ
ŽƌŶĂƌĐŽƟĐƐ͕ƵŶůĞƐƐĂƐƉƌĞƐĐƌŝďĞĚďLJĂƉŚLJƐŝĐŝĂŶ͖ĂWƌĞͲdžŝƐƟŶŐ
ŽŶĚŝƟŽŶ;ĂƐĚĞƐĐƌŝďĞĚďĞůŽǁͿ͖ĚĞĐůĂƌĞĚŽƌƵŶĚĞĐůĂƌĞĚǁĂƌŽƌĂĐƚ
ŽĨǁĂƌ͖ĂŶĚĂŶLJĚŝƐĂďŝůŝƚLJǁŚŝĐŚĚŽĞƐŶŽƚƌĞƋƵŝƌĞĂĚŽĐƚŽƌ͛ƐƌĞŐƵůĂƌ
ĐĂƌĞ;ƌĞŐƵůĂƌĐĂƌĞŽĨĚŽĐƚŽƌĚŽĞƐŶŽƚŝŶĐůƵĚĞLJŽƵƌƐĞůĨ͕ĂĐůŽƐĞ
ƌĞůĂƟǀĞ͕ŽƌĂŚŽƵƐĞŚŽůĚŵĞŵďĞƌͿ͘
WƌĞͲdžŝƐƟŶŐŽŶĚŝƟŽŶ͗ĂŶŝŶũƵƌLJŽƌƐŝĐŬŶĞƐƐĨŽƌǁŚŝĐŚLJŽƵ
ĐŽŶƐƵůƚĞĚĂĚŽĐƚŽƌ͕ƌĞĐĞŝǀĞĚĂŶLJŵĞĚŝĐĂůƐĞƌǀŝĐĞƐŽƌƐƵƉƉůŝĞƐ͕Žƌ
ƚŽŽŬĂŶLJŵĞĚŝĐĂƟŽŶĚƵƌŝŶŐƚŚĞϲŵŽŶƚŚƐŝŵŵĞĚŝĂƚĞůLJďĞĨŽƌĞ
ďĞĐŽŵŝŶŐŝŶƐƵƌĞĚƵŶĚĞƌƚŚŝƐWůĂŶ͘ĞŶĞĮƚƐĂƌĞŶŽƚƉĂLJĂďůĞĨŽƌĂ
ĚŝƐĂďŝůŝƚLJǁŚŝĐŚŝƐĐůĂƐƐŝĮĞĚĂƐĂWƌĞͲdžŝƐƟŶŐŽŶĚŝƟŽŶƵŶƟůƚŚĞ
ĞŶĚŽĨϮϰĐŽŶƐĞĐƵƟǀĞŵŽŶƚŚƐĚƵƌŝŶŐǁŚŝĐŚLJŽƵŚĂǀĞďĞĞŶŝŶƐƵƌĞĚ
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with mental disorders and/or chemical dependency is limited to two years.
Current Semi-Annual Premiums
per $100 in Monthly Benefits*
ĞŶĞĮƚWĞƌŝŽĚ
ϭϮDŽŶƚŚƐ
ϮϰDŽŶƚŚƐ
фŐĞϰϬ
ΨϮ͘ϯϯ
ΨϮ͘ϵϮ
ŐĞƐϰϬͲϰϵ
Ψϯ͘Ϭϵ
Ψϯ͘ϴϳ
ŐĞƐϱϬͲϱϵ
Ψϰ͘ϱϴ
Ψϱ͘ϳϯ
ŐĞƐϲϬͲϲϵ
Ψϲ͘ϲϳ
Ψϴ͘ϯϰ
* The cost of this life insurance is based on the amount insurance requested
and age attained on the date coverage is issued. Premiums increase as the
insured person ages and enters a new age category.
Premium contributions may be changed by New York Life on any premium
due date and any date on which premiums are changed. However, your rates
may change only if they are changed for all others in the same class of
insureds under this group policy. Rates increase when you enter a new age
bracket.
Your initial premium is determined by your current age (nearest birthday) on
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effective date. Thereafter, for purposes of determining premium, your age
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7(;$65(6,'(176'RQRWXVHWKLVFKDUW3OHDVHFRQWDFWWKHDGPLQLVWUDWRU
for additional information applicable to your state.
Please call the administrator for rates and/or coverage amounts not shown in
this brochure.
How New York Life Obtains
/ŶĨŽƌŵĂƟŽŶĂŶĚhŶĚĞƌǁƌŝƚĞƐ
zŽƵƌZĞƋƵĞƐƚĨŽƌ'ƌŽƵƉKĸĐĞ
KǀĞƌŚĞĂĚdžƉĞŶƐĞ/ŶƐƵƌĂŶĐĞ
/ŶƚŚŝƐŶŽƟĐĞ͕ƌĞĨĞƌĞŶĐĞƐƚŽ͞LJŽƵ͟ĂŶĚ͞LJŽƵƌ͟ŝŶĐůƵĚĞ
ĂŶLJƉĞƌƐŽŶƉƌŽƉŽƐĞĚĨŽƌŝŶƐƵƌĂŶĐĞ͘/ŶĨŽƌŵĂƟŽŶ
ƌĞŐĂƌĚŝŶŐŝŶƐƵƌĂďŝůŝƚLJǁŝůůďĞƚƌĞĂƚĞĚĂƐĐŽŶĮĚĞŶƟĂů͘
/ŶĐŽŶƐŝĚĞƌŝŶŐǁŚĞƚŚĞƌƚŚĞƉĞƌƐŽŶ;ƐͿŝŶLJŽƵƌƌĞƋƵĞƐƚ
ĨŽƌŝŶƐƵƌĂŶĐĞƋƵĂůŝĨLJĨŽƌŝŶƐƵƌĂŶĐĞ͕ǁĞǁŝůůƌĞůLJŽŶ
ƚŚĞŵĞĚŝĐĂůŝŶĨŽƌŵĂƟŽŶLJŽƵƉƌŽǀŝĚĞ͕ĂŶĚŽŶƚŚĞ
ŝŶĨŽƌŵĂƟŽŶLJŽƵhd,KZ/ƵƐƚŽŽďƚĂŝŶĨƌŽŵLJŽƵƌ
ƉŚLJƐŝĐŝĂŶ͕ŽƚŚĞƌŵĞĚŝĐĂůƉƌĂĐƟƟŽŶĞƌƐĂŶĚĨĂĐŝůŝƟĞƐ͕
ŽƚŚĞƌŝŶƐƵƌĂŶĐĞĐŽŵƉĂŶŝĞƐƚŽǁŚŝĐŚLJŽƵŚĂǀĞ
ĂƉƉůŝĞĚĨŽƌŝŶƐƵƌĂŶĐĞĂŶĚD/͕/ŶĐ͘;͞D/͟Ϳ͘D/ŝƐĂ
ŶŽƚͲĨŽƌͲƉƌŽĮƚŽƌŐĂŶŝnjĂƟŽŶŽĨŝŶƐƵƌĂŶĐĞĐŽŵƉĂŶŝĞƐ͕
ǁŚŝĐŚŽƉĞƌĂƚĞƐĂŶŝŶĨŽƌŵĂƟŽŶĞdžĐŚĂŶŐĞŽŶďĞŚĂůĨ
ŽĨŝƚƐŵĞŵďĞƌƐ͘/ĨLJŽƵĂƉƉůLJĨŽƌůŝĨĞŽƌŚĞĂůƚŚ
ŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ͕ĂĐůĂŝŵĨŽƌďĞŶĞĮƚƐŝƐƐƵďŵŝƩĞĚ
ƚŽĂŶD/ŵĞŵďĞƌĐŽŵƉĂŶLJ͕ŵĞĚŝĐĂůŽƌŶŽŶͲ
ŵĞĚŝĐĂůŝŶĨŽƌŵĂƟŽŶŵĂLJďĞŐŝǀĞŶƚŽD/͕ĂŶĚƐƵĐŚ
ŝŶĨŽƌŵĂƟŽŶŵĂLJƚŚĞŶďĞĨƵƌŶŝƐŚĞĚďLJD/͕ƵƉŽŶ
ƌĞƋƵĞƐƚ͕ƚŽĂŵĞŵďĞƌĐŽŵƉĂŶLJ͘
zŽƵƌhd,KZ/d/KEŵĂLJďĞƵƐĞĚĨŽƌĂƉĞƌŝŽĚ
ŽĨϮϰŵŽŶƚŚƐĨƌŽŵƚŚĞĚĂƚĞLJŽƵƐŝŐŶĞĚƚŚĞ
ĂƉƉůŝĐĂƟŽŶĨŽƌŝŶƐƵƌĂŶĐĞ͕ƵŶůĞƐƐƐŽŽŶĞƌƌĞǀŽŬĞĚ͘
dŚĞhd,KZ/d/KEŵĂLJďĞƌĞǀŽŬĞĚĂƚĂŶLJƟŵĞ
ďLJŶŽƟĨLJŝŶŐEĞǁzŽƌŬ>ŝĨĞŝŶǁƌŝƟŶŐĂƚƚŚĞĂĚĚƌĞƐƐ
ƉƌŽǀŝĚĞĚ͘zŽƵƌƌĞǀŽĐĂƟŽŶǁŝůůŶŽƚďĞĞīĞĐƟǀĞƚŽ
ƚŚĞĞdžƚĞŶƚEĞǁzŽƌŬ>ŝĨĞŽƌĂŶLJŽƚŚĞƌƉĞƌƐŽŶĂůƌĞĂĚLJ
ŚĂƐĚŝƐĐůŽƐĞĚŽƌĐŽůůĞĐƚĞĚŝŶĨŽƌŵĂƟŽŶŽƌƚĂŬĞŶŽƚŚĞƌ
ĂĐƟŽŶŝŶƌĞůŝĂŶĐĞŽŶŝƚ͕ŽƌƚŽƚŚĞĞdžƚĞŶƚƚŚĂƚEĞǁ
zŽƌŬ>ŝĨĞŚĂƐĂůĞŐĂůƌŝŐŚƚƚŽĐŽŶƚĞƐƚĂĐůĂŝŵƵŶĚĞƌ
ĂŶŝŶƐƵƌĂŶĐĞĐĞƌƟĮĐĂƚĞŽƌƚŚĞĐĞƌƟĮĐĂƚĞŝƚƐĞůĨ͘dŚĞ
ŝŶĨŽƌŵĂƟŽŶEĞǁzŽƌŬ>ŝĨĞŽďƚĂŝŶƐƚŚƌŽƵŐŚLJŽƵƌ
hd,KZ/d/KEŵĂLJďĞĐŽŵĞƐƵďũĞĐƚƚŽĨƵƌƚŚĞƌ
ĚŝƐĐůŽƐƵƌĞ͘&ŽƌĞdžĂŵƉůĞ͕EĞǁzŽƌŬ>ŝĨĞŵĂLJďĞ
ƌĞƋƵŝƌĞĚƚŽƉƌŽǀŝĚĞŝƚƚŽŝŶƐƵƌĂŶĐĞ͕ƌĞŐƵůĂƚŽƌLJ
ŽƌŽƚŚĞƌŐŽǀĞƌŶŵĞŶƚĂŐĞŶĐŝĞƐ͘/ŶƚŚŝƐĐĂƐĞ͕ƚŚĞ
ŝŶĨŽƌŵĂƟŽŶŵĂLJŶŽůŽŶŐĞƌďĞƉƌŽƚĞĐƚĞĚďLJƚŚĞƌƵůĞƐ
ŐŽǀĞƌŶŝŶŐLJŽƵƌhd,KZ/d/KE͘
D/ĂŶĚŽƚŚĞƌŝŶƐƵƌĂŶĐĞĐŽŵƉĂŶŝĞƐŵĂLJĂůƐŽ
ĨƵƌŶŝƐŚEĞǁzŽƌŬ>ŝĨĞ͕ŝƚƐƐƵďƐŝĚŝĂƌŝĞƐŽƌƚŚĞWůĂŶ
ĚŵŝŶŝƐƚƌĂƚŽƌǁŝƚŚŶŽŶͲŵĞĚŝĐĂůŝŶĨŽƌŵĂƟŽŶ;ƐƵĐŚĂƐ
ĚƌŝǀŝŶŐƌĞĐŽƌĚƐ͕ƉĂƐƚĐŽŶǀŝĐƟŽŶƐ͕ŚĂnjĂƌĚŽƵƐƐƉŽƌƚŽƌ
ĂǀŝĂƟŽŶĂĐƟǀŝƚLJ͕ƵƐĞŽĨĂůĐŽŚŽůŽƌĚƌƵŐƐ͕ĂŶĚŽƚŚĞƌ
ĂƉƉůŝĐĂƟŽŶƐĨŽƌŝŶƐƵƌĂŶĐĞͿ͘dŚĞŝŶĨŽƌŵĂƟŽŶƉƌŽǀŝĚĞĚ
ŵĂLJŝŶĐůƵĚĞŝŶĨŽƌŵĂƟŽŶƚŚĂƚŵĂLJƉƌĞĚĂƚĞƚŚĞƟŵĞ
ĨƌĂŵĞƐƚĂƚĞĚŽŶƚŚĞŵĞĚŝĐĂůƋƵĞƐƟŽŶƐƐĞĐƟŽŶ͕ŝĨĂŶLJ͕
ŽŶƚŚŝƐĂƉƉůŝĐĂƟŽŶ͘dŚŝƐŝŶĨŽƌŵĂƟŽŶŵĂLJďĞƵƐĞĚ
ĚƵƌŝŶŐƚŚĞƵŶĚĞƌǁƌŝƟŶŐĂŶĚĐůĂŝŵƐƉƌŽĐĞƐƐĞƐ͕ǁŚĞƌĞ
ƉĞƌŵŝƩĞĚďLJůĂǁ͘
EĞǁzŽƌŬ>ŝĨĞŵĂLJƌĞůĞĂƐĞƚŚŝƐŝŶĨŽƌŵĂƟŽŶƚŽƚŚĞ
WůĂŶĚŵŝŶŝƐƚƌĂƚŽƌ͕ŽƚŚĞƌŝŶƐƵƌĂŶĐĞĐŽŵƉĂŶŝĞƐƚŽ
ǁŚŝĐŚLJŽƵŵĂLJĂƉƉůLJĨŽƌůŝĨĞĂŶĚŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ͕Žƌ
ƚŽǁŚŝĐŚĂĐůĂŝŵĨŽƌďĞŶĞĮƚƐŵĂLJďĞƐƵďŵŝƩĞĚĂŶĚ
ƚŽŽƚŚĞƌƐǁŚŽŵLJŽƵĂƵƚŚŽƌŝnjĞŝŶǁƌŝƟŶŐ͕ŚŽǁĞǀĞƌ͕
ƚŚŝƐǁŝůůŶŽƚďĞĚŽŶĞŝŶĐŽŶŶĞĐƟŽŶǁŝƚŚƚĞƐƚƌĞƐƵůƚƐ
ĐŽŶĐĞƌŶŝŶŐĐƋƵŝƌĞĚ/ŵŵƵŶĞĞĮĐŝĞŶĐLJ^LJŶĚƌŽŵĞ
;/^ͿŽƌ,ƵŵĂŶ/ŵŵƵŶŽĚĞĮĐŝĞŶĐLJsŝƌƵƐ;,/sͿ͘tĞ
ŵĂLJĂůƐŽŵĂŬĞĂďƌŝĞĨƌĞƉŽƌƚŽĨLJŽƵƌƉƌŽƚĞĐƚĞĚŚĞĂůƚŚ
ŝŶĨŽƌŵĂƟŽŶƚŽD/͕ďƵƚǁĞǁŝůůŶŽƚĚŝƐĐůŽƐĞŽƵƌ
ƵŶĚĞƌǁƌŝƟŶŐĚĞĐŝƐŝŽŶ͘
EĞǁzŽƌŬ>ŝĨĞǁŝůůŶŽƚĚŝƐĐůŽƐĞƐƵĐŚŝŶĨŽƌŵĂƟŽŶƚŽ
ĂŶLJŽŶĞĞdžĐĞƉƚƚŚŽƐĞLJŽƵĂƵƚŚŽƌŝnjĞŽƌǁŚĞƌĞƌĞƋƵŝƌĞĚ
ŽƌƉĞƌŵŝƩĞĚďLJůĂǁ͘/ŶĨŽƌŵĂƟŽŶŝŶŽƵƌĮůĞƐŵĂLJ
ďĞƐĞĞŶďLJEĞǁzŽƌŬ>ŝĨĞĂŶĚWůĂŶĚŵŝŶŝƐƚƌĂƚŽƌ
ĞŵƉůŽLJĞĞƐ͕ďƵƚŽŶůLJŽŶĂ͞ŶĞĞĚƚŽŬŶŽǁ͟ďĂƐŝƐ
ŝŶĐŽŶƐŝĚĞƌŝŶŐLJŽƵƌƌĞƋƵĞƐƚ͘hƉŽŶƌĞĐĞŝƉƚŽĨĂůů
ƌĞƋƵĞƐƚĞĚŝŶĨŽƌŵĂƟŽŶ͕ǁĞǁŝůůŵĂŬĞĂĚĞƚĞƌŵŝŶĂƟŽŶ
ĂƐƚŽǁŚĞƚŚĞƌLJŽƵƌƌĞƋƵĞƐƚĨŽƌŝŶƐƵƌĂŶĐĞĐĂŶďĞ
ĂƉƉƌŽǀĞĚ͘
ŽƌĐŽŵƉůĞƚĞƚŚĞŝŶĨŽƌŵĂƟŽŶŝŶŽƵƌĮůĞƐ͘hƉŽŶ
ǁƌŝƩĞŶƌĞƋƵĞƐƚƚŽEĞǁzŽƌŬ>ŝĨĞŽƌD/͕LJŽƵǁŝůůďĞ
ƉƌŽǀŝĚĞĚǁŝƚŚŶŽŶͲŵĞĚŝĐĂůŝŶĨŽƌŵĂƟŽŶ͘'ĞŶĞƌĂůůLJ͕
ŵĞĚŝĐĂůŝŶĨŽƌŵĂƟŽŶǁŝůůďĞŐŝǀĞŶĞŝƚŚĞƌĚŝƌĞĐƚůLJƚŽ
ƚŚĞƉƌŽƉŽƐĞĚŝŶƐƵƌĞĚŽƌƚŽĂŵĞĚŝĐĂůƉƌŽĨĞƐƐŝŽŶĂů
ĚĞƐŝŐŶĂƚĞĚďLJƚŚĞƉƌŽƉŽƐĞĚŝŶƐƵƌĞĚ͘zŽƵƌƌĞƋƵĞƐƚ
ŝƐŚĂŶĚůĞĚŝŶĂĐĐŽƌĚĂŶĐĞǁŝƚŚƚŚĞ&ĞĚĞƌĂů&Ăŝƌ
ƌĞĚŝƚZĞƉŽƌƟŶŐĐƚƉƌŽĐĞĚƵƌĞƐ͘/ĨLJŽƵƋƵĞƐƟŽŶ
ƚŚĞĂĐĐƵƌĂĐLJŽĨƚŚĞŝŶĨŽƌŵĂƟŽŶƉƌŽǀŝĚĞĚďLJD/͕
LJŽƵŵĂLJĐŽŶƚĂĐƚD/ĂŶĚƐĞĞŬĂĐŽƌƌĞĐƟŽŶ͘D/͛Ɛ
ŝŶĨŽƌŵĂƟŽŶŽĸĐĞŝƐ͗D/͕/ŶĐ͕͘ϱϬƌĂŝŶƚƌĞĞ,ŝůůWĂƌŬ͕
^ƵŝƚĞϰϬϬ͕ƌĂŝŶƚƌĞĞ͕DϬϮϭϴϰͲϴϳϯϰ͕ƚĞůĞƉŚŽŶĞ
ϴϲϲͲϲϵϮͲϲϵϬϭ͘/ŶĨŽƌŵĂƟŽŶĨŽƌĐŽŶƐƵŵĞƌƐĂďŽƵƚD/
ŵĂLJďĞŽďƚĂŝŶĞĚŽŶŝƚƐǁĞďƐŝƚĞĂƚǁǁǁ͘ŵŝď͘ĐŽŵ͘
&ŽƌEDZĞƐŝĚĞŶƚƐ͗WZKddWZ^KE^ϭŚĂǀĞ
ĂƌŝŐŚƚŽĨĂĐĐĞƐƐƚŽĐĞƌƚĂŝŶKE&/Ed/>h^
/E&KZDd/KEϮǁĞŵĂŝŶƚĂŝŶŝŶŽƵƌĮůĞƐĂŶĚƚŚĞLJ
ŵĂLJĐŚŽŽƐĞƚŽƌĞĐĞŝǀĞƐƵĐŚŝŶĨŽƌŵĂƟŽŶĚŝƌĞĐƚůLJ͘zŽƵ
ŚĂǀĞƚŚĞƌŝŐŚƚƚŽƌĞŐŝƐƚĞƌĂƐĂWZKddWZ^KEďLJ
ƐĞŶĚŝŶŐĂƐŝŐŶĞĚƌĞƋƵĞƐƚƚŽƚŚĞĚŵŝŶŝƐƚƌĂƚŽƌĂƚƚŚĞ
ĂĚĚƌĞƐƐůŝƐƚĞĚŽŶƚŚĞĂƉƉůŝĐĂƟŽŶ͘WůĞĂƐĞŝŶĐůƵĚĞLJŽƵƌ
ĨƵůůŶĂŵĞ͕ĚĂƚĞŽĨďŝƌƚŚĂŶĚĂĚĚƌĞƐƐ͘
ϭͲWZKddWZ^KEŵĞĂŶƐĂǀŝĐƟŵŽĨĚŽŵĞƐƟĐĂďƵƐĞ͗
ǁŚŽŚĂƐŶŽƟĮĞĚƵƐƚŚĂƚŚĞͬƐŚĞŝƐŽƌŚĂƐďĞĞŶĂǀŝĐƟŵ
ŽĨĚŽŵĞƐƟĐĂďƵƐĞ͖ĂŶĚǁŚŽŝƐĂŶŝŶƐƵƌĞĚƉĞƌƐŽŶŽƌ
ƉƌŽƐƉĞĐƟǀĞŝŶƐƵƌĞĚƉĞƌƐŽŶ͘
ϮͲKE&/Ed/>h^/E&KZDd/KEŵĞĂŶƐŝŶĨŽƌŵĂƟŽŶ
ĂďŽƵƚ͗ĂĐƚƐŽĨĚŽŵĞƐƟĐĂďƵƐĞŽƌĂďƵƐĞƐƚĂƚƵƐ͖ƚŚĞǁŽƌŬŽƌ
ŚŽŵĞĂĚĚƌĞƐƐŽƌƚĞůĞƉŚŽŶĞŶƵŵďĞƌŽĨĂǀŝĐƟŵŽĨĚŽŵĞƐƟĐ
ĂďƵƐĞ͖ŽƌƚŚĞƐƚĂƚƵƐŽĨĂŶĂƉƉůŝĐĂŶƚŽƌŝŶƐƵƌĞĚĂƐĨĂŵŝůLJ
ŵĞŵďĞƌ͕ĞŵƉůŽLJĞƌŽƌĂƐƐŽĐŝĂƚĞŽĨĂǀŝĐƟŵŽĨĚŽŵĞƐƟĐ
ĂďƵƐĞŽƌĂƉĞƌƐŽŶǁŝƚŚǁŚŽŵĂŶĂƉƉůŝĐĂŶƚŽƌŝŶƐƵƌĞĚŝƐ
ŬŶŽǁŶƚŽŚĂǀĞĂĚŝƌĞĐƚ͕ĐůŽƐĞ͕ƉĞƌƐŽŶĂů͕ĨĂŵŝůLJŽƌĂďƵƐĞͲ
ƌĞůĂƚĞĚƌĞůĂƟŽŶƐŚŝƉ͘
/ĨǁĞĐĂŶŶŽƚƉƌŽǀŝĚĞƚŚĞĐŽǀĞƌĂŐĞLJŽƵƌĞƋƵĞƐƚĞĚ͕
ǁĞǁŝůůƚĞůůLJŽƵǁŚLJ͘/ĨLJŽƵĨĞĞůŽƵƌŝŶĨŽƌŵĂƟŽŶŝƐ
ŝŶĂĐĐƵƌĂƚĞ͕LJŽƵǁŝůůďĞŐŝǀĞŶĂĐŚĂŶĐĞƚŽĐŽƌƌĞĐƚ
New York Life Insurance Company
8.12 ed
dŚŝƐ^ƵŵŵĂƌLJĐŽŶƚĂŝŶƐĂďƌŝĞĨĚĞƐĐƌŝƉƟŽŶŽĨƐŽŵĞŽĨƚŚĞƉƌŝŶĐŝƉĂůƉƌŽǀŝƐŝŽŶƐŽĨƚŚĞƉƌŽƉŽƐĞĚŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ͘ŽŵƉůĞƚĞƚĞƌŵƐĂŶĚĐŽŶĚŝƟŽŶƐĂƌĞƐĞƚĨŽƌƚŚŝŶƚŚĞ
ŐƌŽƵƉƉŽůŝĐLJŝƐƐƵĞĚďLJEĞǁzŽƌŬ>ŝĨĞƚŽƚŚĞdƌƵƐƚĞĞƐŽĨƚŚĞŵĞƌŝĐĂŶĐĂĚĞŵLJŽĨWĞĚŝĂƚƌŝĐƐ'ƌŽƵƉ/ŶƐƵƌĂŶĐĞdƌƵƐƚ͕ĂŶĚĞĂĐŚŝŶƐƵƌĞĚǁŝůůƌĞĐĞŝǀĞĂĞƌƟĮĐĂƚĞŽĨ/ŶƐƵƌĂŶĐĞ
ƐƵŵŵĂƌŝnjŝŶŐĂůůƚŚĞďĞŶĞĮƚƐĂŶĚĐŽǀĞƌĂŐĞƉƌŽǀŝƐŝŽŶƐƉƌŽǀŝĚĞĚƵŶĚĞƌ'ƌŽƵƉWŽůŝĐLJ'ͲϰϲϲϮϮͲϬŽŶƉŽůŝĐLJĨŽƌŵ'DZͲ&ͬ'ͲϰϲϲϮϮͲϬ͘
ŽLJŽƵŚĂǀĞƋƵĞƐƚŝŽŶƐĂďŽƵƚƚŚŝƐĐŽǀĞƌĂŐĞ͍KƌĚŽLJŽƵŶĞĞĚƚŽĨŝůĞĂĐůĂŝŵ͍
ĂůůŽƵƌĐƵƐƚŽŵĞƌĐĂƌĞĐĞŶƚĞƌĨŽƌŵŽƌĞŝŶĨŽƌŵĂƚŝŽŶŽƌĨŽƌƚŚĞŶĞĐĞƐƐĂƌLJĨŽƌŵƐ͗
;ϴϬϬͿϮϱϳͲϯϮϮϬͻDŽŶĚĂLJͲ&ƌŝĚĂLJ͕ϵĂ͘ŵ͘ƚŽϱƉ͘ŵ͘;dͿ
ĚŵŝŶŝƐƚĞƌĞĚLJ͗
h^/&&/E/dz
ϭϰůŝīǁŽŽĚǀĞŶƵĞ͕^ƵŝƚĞϯϭϬ
DĂƚĂǁĂŶ͕E:Ϭϳϳϰϳ
Z/ŶƐƵƌĂŶĐĞ>ŝĐĞŶƐĞηϯϮϱϵϰϰ
/ŶƐƵƌĂŶĐĞ>ŝĐĞŶƐĞηϬ'ϭϭϵϭϭ
ΞϮϬϭϲh^/ĸŶŝƚLJ;W,yͿ
dŚŝƐ/ŶƐƵƌĂŶĐĞ/ƐhŶĚĞƌǁƌŝƩĞŶLJ͗
EtzKZ<>/&/E^hZEKDWEz
ϱϭDĂĚŝƐŽŶǀĞŶƵĞͮEĞǁzŽƌŬ͕EzϭϬϬϭϬ
hŶĚĞƌ'ƌŽƵƉWŽůŝĐLJ'ͲϰϲϲϮϮͲϬ
ŽŶWŽůŝĐLJ&Žƌŵ'ͲϰϲϲϮϮͲϬͬ'DZͲ&