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28 News India Times November 27, 2020 Looking for a little more certainty with your money? 7KH 1HZ <RUN /LIH 6HFXUH 7HUP&KRLFH )L[HG $QQXLW\ RƪHUV JXDUDQWHHG JURZWK s VDIH IURP WKH XSV DQG GRZQV RI WKH PDUNHW 1 2.00% *XDUDQWHHG IRU RU \HDUV Annual guaranteed initial interest rate effective 11/23/2020–11/30/20 only. Based on a premium of $100,000 or more. Applications must be signed between 11/23/20 and 11/30/20. • $FFHVV WR \RXU DFFRXQW YDOXH 2 • 0RQH\ JURZV WD[ GHIHUUHG XQWLO \RX QHHG LW • ,QWHUHVW UDWH JXDUDQWHHG IRU VHOHFWHG SHULRG • %DFNHG E\ D FRPSDQ\ ZLWK WKH KLJKHVW UDWLQJV IRU ƬQDQFLDO VWUHQJWK FXUUHQWO\ DZDUGHG WR DQ\ 8 6 OLIH LQVXUHU Call today for more information. $JHQW 1HZ <RUN /LIH ,QVXUDQFH &RPSDQ\ Secure TermChoice Fixed Annuity special rates as of 11/23/20-11/30/20 only Premium <HDU *XDUDQWHH <HDU *XDUDQWHH <HDU *XDUDQWHH <HDU *XDUDQWHH <HDU *XDUDQWHH <HDU *XDUDQWHH Attention: Special interest rate 11/23/20–11/30/20 only. 7KH 1HZ <RUN /LIH 6HFXUH 7HUP &KRLFH )L[HG $QQXLW\ LV D VLQJOH SUHPLXP ¿[HG GHIHUUHG DQQXLW\ ZLWK a number of interest rate guarantee/surrender periods to choose from. Available in jurisdictions where approved and subject to eligibility requirements. Guarantees based on the claims-paying ability of the issuer. 2. Withdrawals may be subject to regular income taxes and, if made prior to age 59 ½, may be subject to D ,56 SHQDOW\ 'HSHQGLQJ RQ WKH SHULRG FKRVH ZLWKGUDZDOV GXULQJ WKH ¿UVW RU \HDUV RI the policy may be subject to surrender charges. Rates are subject to change at any time. The interest rate is an effective annual yield based on a nominal rate that is compounded daily. Yields assume no additions or withdrawals made during the guaranteed period. After the initial guaranteed interest rate period, the policy will receive a renewal rate that is guaranteed minimum interest rate (GMIR) stated in your policy. Please call your representative for current rates on premium amounts of $1.5 million or more. Policies with premium amounts of $1 million or more require prior NYLIAC approval. 3. The “highest ratings currently rewarded” refers to the highest ratings currently awarded to any U.S. life LQVXUHU VSHFL¿FDOO\ 6WDQGDUG 3RRU¶V $$ $ 0 %HVW $ 0RRG\¶V $DD DQG )LWFK $$$ 6RXUFH Individual Third-Party Ratings Reports as of 10/15/20. The policy form number for the New York Life Secure Term Choice Fixed Annuity is ICC11-P113 in most MXULVGLFWLRQV LQ VRPH VWDWHV LW PD\ EH 3 DQG VWDWH YDULDWLRQV PD\ DSSO\ The New York Life Secure Term Choice Fixed Annuity is issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. 6058 ([S 908.672.7467 Nilesh Sanghavi 379 Thornall Street Edison NJ 08837