Financial Professional

Are you a leader who has the following traits?

• Competitive

• Entrepreneurial

• Coachable • Communicative

• Self-disciplined

• Authentic

If the answer is yes, consider becoming an insurance agent* to drive positive impact in the lives of families every day. At New York Life, you’re in control of your career journey. New York Life, a Fortune 100 company and a leader in the financial services industry, will invest in you from the start, training you in valuable skills such as marketing, customer relationship management (CRM) and communication, and providing you with a development team and sales support to guide your success.

What we’re looking for... We’re looking for people who want to make a lasting impact on the financial well-being of individuals, families, and small businesses. This is not just a sales job—it’s a career with purpose and opportunity. You’ll provide peace of mind to your clients while helping them navigate challenges that many of them find complex and confusing, such as preparing for retirement and saving for college. As an insurance agent, you will have the opportunity to see the positive impact of your work for years to come. You will grow personally and professionally along with your clients.

How we will compensate you... You have the power to determine your own income with our commission-based compensation.3 In 2024, the average income of our financial professionals under the N8 and N9 Agent’s Contract who met annual minimum sales production requirements was $120,555.4 Individual agent performance will determine your income. Benefits for eligible full-time agents include medical, dental, vision, life, and disability insurance, as well as a 401(k) and pension.5 For more information about commission-based income and benefits for financial professionals, please follow this link https://www. newyorklife.com/careers/financial-professionals/incomeand-benefits.

Company DescriptionAbout New York Life...

New York Life is a Fortune 100 company with a long history

of doing good. We have been in business for 180+ years,

helping generations of Americans protect their families and

attain their financial goals. As a mutual company, we are

accountable only to our policyholders, not to Wall Street

or outside investors. We are focused on the long-term

success of our clients.

We're proud to be recognized by the following

organizations6

• Fortune 2024: World's Most Admired Companies
• Handshake 2025: Early Talent Award
• Forbes 2024: America's Best Employers for Diversity
• Seramount: 2024 Best Companies for Multicultural

Women

We’re proud of the help we’ve provided and continue to

provide our clients7

• 5.1 million LIVES PROTECTED. Includes all owners of

individual life insurance and annuity policies.

• $983 million LIFETIME ANNUITY INCOME PAID.

Includes all payouts on individual income annuity

products.

• $6 billion IN LIVING BENEFITS AWARDED. Includes

life and annuity cash value accumulation and qualifying

policy dividends paid. Dividends are not guaranteed.

• Over $1.2 trillion LIFE INSURANCE PROTECTION IN

FORCE. Includes term, whole, and universal life.8

• The terms ”agent” and ”financial professional” are used interchangeably throughout this brochure and refer to someone who is in a sales role under

an agent contract.

1. Offered by properly licensed registered representatives through NYLIFE Securities (member FINRA/SIPC), a Licensed Insurance Agency and a New York

Life subsidiary.

2. Wealth management and advisory services offered by Financial Advisors of Eagle Strategies LLC, a Registered Investment Adviser and a New York

Life company. Qualification requirements include but are not limited to applicable FINRA general securities, agent state law, investment advisory

licenses, compliance history, production standards, and required training. Requirements are subject to change.

3. If you qualify for an Introductory (PTAS) Contract, you will preview an agent career with New York Life as an independent contractor while continuing

to work at your current job, with limited exceptions. PTAS Agents are not eligible for benefits. During this preview period of up to six months, any

sales you make will continue to accrue until you either make enough sales to become a full-time agent under a Training Allowance Subsidy (TAS)

Contract or the passage of six months, whichever is earlier. If you do not become a full-time agent, first year commissions on any sales you made will

be paid to you in a lump sum at the end of your PTAS contract period. If you become a full time agent under a TAS Contract, you will be credited with

the commissions you accrued under the Introductory Contract.

4. Based on 2024 company data for 8,136 agents operating under our N9 and N8 Agents Contracts, without persistency bonus, who were active as of

December 31, 2024. N9 is the current contract for new financial professionals. N8 contracts were issued to new financial professionals prior to April

2004. The company reserves the right to amend or modify the available contract for new financial professionals and the compensation under such

contract. Contracts determine your compensation and benefits. Sales production requirements are determined annually by the company. Historical

agent incomes are provided for informational purposes only. Agent income is not guaranteed. Income is dependent upon the sales of each agent.

Agent compensation is commission-based and determined through the ledger process. Overall compensation includes positive income credits

for commissions based on actual sales and certain allowances or incentives, if eligible, based upon persistency and production, as well as debits

associated with commission reversals, authorized expenses and other items. Not all debits are included in the average income figures above. Each

credit and debit posted to the Agent's Ledger is part of determining the agent's compensation and no individual credit posted to the ledger is earned

until the ledger reconciliation process is complete. Agents receive payments equal to the positive balance on the Agent's Ledger after the credits

and debits are applied, except that financial professionals operating under an Introductory (PTAS) Contract who fail to sell enough to trigger a fulltime agent’s contract will be paid first year commissions on any sales made in a lump sum at the end of their PTAS Contract period.

5. This is necessarily brief and provides only general descriptions of the benefits available to eligible agents under the applicable plans. Specific terms,

such as eligibility and benefits, are determined only by the terms and conditions contained in the relevant plan documents. In the event of any

conflict between the information herein and the provisions of the plan documents, the plan documents will govern. The company reserves the right

to amend or terminate the benefit plans described herein at any time for any reason.

6. A full list of our awards is available here: https://www.newyorklife.com/newsroom/our-awards-and-recognition.

7. All figures on this slide reflect the consolidated results of New York Life Insurance Company (NYLIC) and its domestic insurance subsidiaries

including New York Life Insurance and Annuity Corporation (NYLIAC) for the 12 months ending December 31, 2024.

8. Individual life insurance in force is the total face amount of individual life insurance contracts (term, whole, and universal life) outstanding for NYLIC

and its domestic insurance subsidiaries at a given time. The company’s individual life insurance in force totaled $1.227 trillion at December 31, 2024

(including $183.6 billion for NYLIAC). Dividends are payments made to eligible policy owners from divisible surplus. Divisible surplus is the portion of

the company’s total surplus that is available, following each year’s operations, for distribution in the form of dividends. Dividends are not guaranteed.

Intercompany transactions have been eliminated in consolidation.