credits

Retirement income. Guaranteed for life.

1 NIRS "Retirement Security 2015: Roadmap for Policy Makers Americans' Views of the Retirement Crisis"

2 Society of Actuaries, "2015 Risks and Processes of Retirement Survery"

* Your FREE information kit will provide more details, including limitations, exclusions and important guidelines specific to 401(k) and IRA rollovers.

New York Life Insurance and Annuity Corporation pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP has established the AARP Annuity Trust to hold group annuity contracts for the benefit of AARP members. AARP does not employ or endorse agents, producers, or brokers.

The AARP Lifetime Income Program group annuities (AARP Lifetime Income Plan with Cash refund and AARP Guaranteed Future Income Annuity) are underwritten by New York Life Insurance and Annuity Corporation (NYLIAC), a Delaware Corporation (NAIC #91596, Newark, DE 19713. AARP membership is required for Program eligibility. Guarantees are subject to contract terms, exclusions, limitations and the claims paying

ability of NYLIAC. The income payments are guaranteeed to continue for the entire life of the annuitant(s). These contracts are irrevocable and the AARP Guaranteed Future Income Annuity has no cash surrender value, and no withdrawls are permitted prior to the income start date. Specific products, features, and/or gifts not available in all states or countries. NYLIAC is licensed in all 50 states. (Group policy form IA-01, IA-02, IA-04 and DIA-01). NYLIAC is a wholly owned subsidiary of New York Life Insurance Company.

Complete terms and conditions are set forth in the group policy issued by New York Life Insurance and Annuity Corporation to the Trustee of the AARP Annuity Trust.

The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at1-800-313-6841

Residents of Florida: Michael Horan is a licensed Florida agent for service to Florida residents.

Residents of Kentucky and Utah: A free Buyer’s Guide is available upon request.

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Category: Annuity

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