# EDGAR Filing Document

**Accession Number:** 0001209501
**File Stem:** 0001193125-26-154196
**Filing Date:** 2026-4
**Character Count:** 311277
**Document Hash:** f1b953227fd1c28b4f8732f3ff3e38d0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-154196.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0001193125-26-154196

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260414

**DATE AS OF CHANGE**: 20260414

**EFFECTIVENESS DATE**: 20260414

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NYLIAC VARIABLE ANNUITY SEPARATE ACCOUNT IV
- **CENTRAL INDEX KEY:** 0001209501

**ORGANIZATION NAME:**
- **EIN:** 133044743
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-156019
- **FILM NUMBER:** 26859688

**BUSINESS ADDRESS:**
- **STREET 1:** 51 MADISON AVENUE
- **STREET 2:** ATTENTION:  LISA DENAUT
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10010
- **BUSINESS PHONE:** 914-846-3146

**MAIL ADDRESS:**
- **STREET 1:** 51 MADISON AVENUE
- **STREET 2:** ATTENTION:  LISA DENAUT
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10010

## Series and Classes Contracts Data

### NYLIAC VARIABLE ANNUITY SEPARATE ACCOUNT IV (Series ID: S000009386)

| Class ID   | Class Name                                     | Ticker Symbol   |
|:---|:---|:---|
| C000074528 | New York Life Premier Plus Variable Annuity    |  |
| C000074529 | New York Life Premier Variable Annuity         |  |
| C000154615 | New York Life Premier Variable Annuity II      |  |
| C000154616 | New York Life Premier Plus Variable Annuity II |  |

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

**May 1, 2026**

**New York Life Premier Variable Annuity**

**From** <br>**NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION** <br>**Issued through**

**NYLIAC Variable Annuity Separate Account-III** <br> **NYLIAC Variable Annuity Separate Account-IV**

This summary prospectus summarizes key features of the New York Life Premier Variable Annuity policies.

Before you invest, you should review the prospectus for the New York Life Premier Variable Annuity policies, which contains more information about the policy's features, benefits, and risks. You can find this document and other information about the policy online at https://dfinview.com/NewYorkLife/TAHD/premier. You can also obtain this information at no cost by calling our Variable Products Service Center at 1-800-598-2019, by logging into your account at www.newyorklife.com, or by sending an email request with your name and mailing address to PremierProspectus@newyorklife.com.

You can sign up for electronic delivery of your summary prospectus, updates to the summary prospectus or other communications by logging into your account at www.newyorklife.com or the New York Life Mobile Application ("mobile application" or "mobile app") which is available for download on the Apple App Store and Google Play Store.

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov. **The Securities and Exchange Commission ("SEC") has not approved or disapproved of this security or passed upon the accuracy or adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.** The policies involve risks, including potential loss of principal invested. Policies are not deposits of, or guaranteed or endorsed by, any bank and are not federally insured by the FDIC, Federal Reserve Board, or any other agency.

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**Table of Contents** 

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|:---|:---|
|  | **Page** |
| **[Contacting NYLIAC](#xx_63a072a6-c415-45a6-b467-4a49957b6fb6_1)** | &nbsp;&nbsp; 1<br>|
| **[Definitions](#xx_dccf4864-ef52-4f7f-b107-bc86d6052266_1)** | &nbsp;&nbsp; 2<br>|
| **[Updated Information About Your Policy](#xx_6d7b271b-0ea9-4fd2-ae4f-123ae7d78bb2_1)** | &nbsp;&nbsp; 4<br>|
| **[Important Information You Should Consider About The Policy](#xx_fc3b05b6-1b79-43fd-8f38-705b69e1f6f6_1)** | &nbsp;&nbsp; 5<br>|
| **[Appendix A](#xx_411d81d0-805d-43ac-b7c7-c55c186011e7_1)** | &nbsp;&nbsp; 9<br>|
| **[Appendix B](#xx_39a9951c-adca-46b2-8e88-dcd5504ddbb6_1)** | &nbsp;&nbsp; 20<br>|
| **[Appendix C](#xx_f54a9e87-6f12-45c5-9ef3-f7dbd4bf8282_1)** | &nbsp;&nbsp; 21<br>|

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**Contacting NYLIAC**

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Certain service requests, including but not limited to, death benefit claims and surrenders, are required to be in writing. All written service requests (except for subsequent premium payments and loan repayments) must be sent to the NYLIAC Variable Products Service Center (VPSC) at one of the following addresses:

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **All written service** <br> **requests (except for** <br> **payments)**<br>| NYLIAC Variable Products Service Center<br> Madison Square Station<br> P.O. Box 922<br> New York, NY 10159<br>| &nbsp;&nbsp; NYLIAC Variable Products Service Center<br> 51 Madison Avenue<br> Floor 3B, Room 0304<br> New York, NY 10010<br>|
| **Death Claim forms may** <br> **also be submitted to** | **Regular Mail** |  |
| **Death Claim forms may** <br> **also be submitted to** | New York Life<br> P.O. Box 130539<br> Dallas, TX 75313–0539<br>|  |

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Premium payments and loan repayments should be sent to the VPSC at one of the following addresses **(acceptance of subsequent premium payments is subject to the sales standards we use to evaluate whether a recommended transaction related to your policy complies with applicable standards of conduct):** 

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **Premium Payments and** <br> **Loan Repayments**<br>| NYLIAC<br> 75 Remittance Drive<br> Suite 3021<br> Chicago, IL 60675–3021<br>| &nbsp;&nbsp; NYLIAC<br> 5450 N Cumberland Avenue<br> Suite 100<br> Chicago, IL 60656-1422<br>|

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Written service requests will be effective as of the Business Day they are received in Good Order at our service center at one of the addresses listed above. We consider a transaction to be in "Good Order" if it complies with our administrative procedures and all relevant laws and regulations, and the required information is complete and correct. Good Order means the actual receipt by us of instructions relating to the requested transaction in writing (or, if permitted, by telephone or electronically), along with all forms and other information or documentation necessary to complete the request. Faxed and e-mailed requests are not currently accepted.

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**Definitions**

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**Accumulation Unit—**An accounting unit we use to calculate the Variable Accumulation Value prior to the Annuity Commencement Date. Each Investment Division of the Separate Account has a distinct variable Accumulation Unit value.

**Accumulation Value—**The sum of the Variable Accumulation Value, the Fixed Account Accumulation Value (if applicable), and the DCA Advantage Account Accumulation Value of a policy.

**Adjusted Premium Payment—**The total dollar amount of premium payments made under the policy and allocated to the Investment Divisions and DCA Advantage Account reduced by any withdrawals and applicable surrender charges in excess of any gain in the policy.

**Allocation Options—**The Investment Divisions of the Separate Account, any available Asset Allocation Model and the Fixed Account.

**Annuity Commencement Date—**The date on which we are to make the first Income Payment under the policy, which cannot be later than the date you attain age 85.

**Base Contract Charge—**Mortality and Expense Risk and Administrative Costs Charge (M&E Charge).

**Business Day—**Generally, any day on which the New York Stock Exchange (NYSE) is open for trading. Our Business Day ends at 4:00 p.m. Eastern Time or the close of regular trading of the NYSE, if earlier.

**Code—**The Internal Revenue Code of 1986, as amended.

**Dollar Cost Averaging (DCA) Advantage Account Accumulation Value—**The sum of premium payments and Breakpoint Credits allocated to the DCA Advantage Account, plus interest credited on those premium payments and Breakpoint Credits, less any transfers and partial withdrawals from the DCA Advantage Account, and less any surrender charges and policy service charges that may already have been deducted from the DCA Advantage Account. The DCA Advantage Account Accumulation Value will never be less than the DCA Advantage Account portion of the Nonforfeiture Value.

**Dollar Cost Averaging (DCA) Advantage Account—**A non-variable Allocation Option to which you may allocate Premium Payments, subject to the limitations described on the Policy Data Page, and from which accounts are transferred to the Investment Divisions proportionally on a monthly basis. The DCA Advantage Account duration is shown on the Policy Data Page. We credit the DCA Advantage Account with a fixed interest rate. The benefits payable under the DCA Advantage Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account—**An account that is credited with a fixed interest rate which NYLIAC declares and is not part of the Separate Account. The benefits payable under the Fixed Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account Accumulation Value—**The sum of premium payments and, if allowable, transfers allocated to the Fixed Account, plus interest credited on those premium payments and, if allowable, transfers, less any transfers and partial withdrawals from the Fixed Account, and less any surrender charges, policy service charges and rider charges assessed on and deducted from the Fixed Account.

**Fund—**A mutual fund that has multiple series or Portfolios.

**Investment Division—**The variable investment options available under the policy. Each Investment Division invests exclusively in shares of a specified Portfolio.

**NYLIAC, we, our or us—**New York Life Insurance and Annuity Corporation.

**Owner (you, your)—**The individual(s) or entity(ies) designated as the Owner in the policy or as subsequently changed, who is entitled to exercise all rights under the policy.

**Payment Year(s)—**With respect to any premium payment, the year(s) beginning on the date such premium payment is made to the policy.

**Policy Anniversary—**An anniversary of the Policy Date shown on the Policy Data Page.

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**Policy Data Page—**Page 2 of the policy which contains the policy specifications.

**Policy Year—**A year starting on the Policy Date. Subsequent Policy Years begin on each Policy Anniversary, unless otherwise indicated.

**Portfolios—**The mutual fund portfolios in which the corresponding Investment Divisions invest.

**Separate Account—**NYLIAC Variable Annuity Separate Account–III and NYLIAC Variable Annuity Separate Account–IV, a segregated asset account we established to receive and invest premium payments paid under the policies. The Separate Account's Investment Divisions, in turn, purchase shares of Portfolios.

**Surrender Charge Free Amount—**You may withdraw a certain amount from your policy each Policy Year without having to pay a surrender charge on that amount. We call this the Surrender Charge Free Amount. For policies issued to policyowners age 75 and under, the maximum amount you may withdraw without a surrender charge in any given Policy Year is the greatest of either: (i) 10% of your Accumulation Value as of the last Policy Anniversary (10% of the premium payment if the withdrawal is made in the first Policy Year) less any prior surrender charge free withdrawals during the Policy Year; (ii) 10% of your Accumulation Value at the time of withdrawal, less any prior surrender charge free withdrawals during the Policy Year; or (iii) your Accumulation Value less accumulated premium payments. For policies issued to policyowners age 76-80, this percentage is 50%.

**Variable Accumulation Value—**The sum of the current Accumulation Unit value(s) for each of the Investment Divisions multiplied by the number of Accumulation Units held in the respective Investment Division.

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**Updated Information About Your Policy**

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| | |
|:---|:---|
| **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** | **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** |
| **Name Change of Trust and** <br> **Portfolios**<br>| The name of the New York Life Investments VP Funds Trust has changed to NYLIM <br> VP Funds Trust. All references to NYLI in the Portfolio names are deleted and <br> replaced with NYLIM.<br>|
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | American Funds<sup>®</sup> IS Growth-Income Fund — Class 4 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Columbia Variable Portfolio — Small Company Growth Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio — Service Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Franklin Gold and Precious Metals VIP Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Goldman Sachs VIT International Equity Insights Fund — Service Class |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Lord Abbett Series Fund, Inc. — Short Duration Income Portfolio — Class VC |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Voya Intermediate Bond Portfolio — Class S |
| **The names of the** <br> **following Portfolios have** <br> **been changed** | NYLIM VP American Century Large Cap Equity (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> (formerly American Funds<sup>®</sup> IS Global <br> Small Capitalization Fund) — Class 4<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Columbia Variable Portfolio — Small Cap Value Discovery Fund (formerly Columbia <br> Variable Portfolio — Small Cap Value Fund) — Class 2<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | LVIP ClearBridge Appreciation Fund (formerly ClearBridge Variable Appreciation <br> Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | MFS<sup>®</sup> International Intrinsic Equity Portfolio (formerly MFS<sup>®</sup> International Intrinsic <br> Value Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Nomura VIP Small Cap Value Series (formerly Macquarie VIP Small Cap Value <br> Series) — Service Class<br>|
| **The following advisers** <br> **were changed** | References to Delaware Management Company, a series of Macquarie Investment <br> Management Business Trust, the adviser to the prior Macquarie VIP Small Cap Value <br> Series — Service Class were deleted and replaced with Delaware Management <br> Company, a series of Nomura Investment Management Business Trust<br>|
| **The following advisers** <br> **were changed** | References to Franklin Templeton Fund Adviser, LLC, the advisor to the prior <br> ClearBridge Variable Appreciation Portfolio — Class II were deleted and replaced <br> with Lincoln Financial Investments Corporation.<br>|
| **The following subadviser** <br> **was deleted**<br>| References to Macquarie Investment Management Global Limited, the subadviser to <br> the prior Macquarie VIP Small Cap Value Series — Service Class were deleted<br>|
| **Closure of Portfolio to** <br> **New Investments**<br>| On May 1, 2026, Western Asset Core Plus VIT Portfolio — Class II was closed to all <br> policyowners except those policyowners who already had Accumulation Value <br> invested as of the closure date.<br>|
| **Policy Application and** <br> **Premium Payments**<br>| The maximum aggregate amount of premium payments accepted without prior <br> NYLIAC approval has been changed from $1,000,000 to $2,000,000.<br>|
| **Portfolio Performance and** <br> **Expenses**<br>| For updated Portfolio performance and expense information, see Appendix A for the <br> Portfolios Available Under the Policy.<br>|

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**Important Information You Should Consider About The Policy**

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There** <br> **Charges for Early** <br> **Withdrawals?**<br>| **Yes.** If you withdraw more than the Surrender Charge Free Amount <br> from your policy within 7 years following your last premium payment, <br> you will be assessed a surrender charge. The maximum surrender <br> charge is 8% of the amount withdrawn during the first Payment Years <br> declining to 0% over that seven-year period. For example, if you make <br> an early withdrawal within the first Payment Year, you could pay a <br> surrender charge of up to $8,000 on a $100,000 investment. The <br> withdrawal amount could be reduced by taxes or tax penalties.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses –** <br> **Surrender Charges**<br> **FEE TABLE**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| **Yes.** In addition to surrender charges, we reserve the right to assess a <br> transaction charge if you transfer cash value between investment <br> options more than 12 times a year, or if a premium payment is returned <br> for insufficient funds. Although we do not currently charge for such <br> transaction, we reserve the right to charge up to $30 per transaction. A <br> loan processing fee may apply if you take a policy loan.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses**<br> **FEE TABLE**<br>|
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br>| **Yes.** The table below describes the fees and expenses that you may <br> pay *each year*, depending on the investment options and optional <br> benefits you choose. Please refer to your Policy Data Page for <br> information about the specific fees you will pay each year based on the <br> options you have elected.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses; Annual** <br> **Portfolio Expenses;** <br> **Optional Benefit** <br> **Expenses**<br> **FEE TABLE**<br>|

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| | | | |
|:---|:---|:---|:---|
| **ANNUAL FEE** | **MINIMUM** | **MAXIMUM** |  |
| Base contract<sup>1</sup> <br>| 1.35% | 1.55% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses**<br>|
| Portfolio fees and expenses<sup>2</sup> <br>| 0.37% | 1.45% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Portfolio** <br> **Expenses**<br>|
| Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<sup>3</sup> <br>| 0.30% | 1.30% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Optional Benefit** <br> **Expenses**<br>|

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|:---|:---|
| <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract <br> Charge), plus a percentage attributable to the Annual Policy Service <br> Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> As a percentage of the guarantee under the optional benefit. | <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract <br> Charge), plus a percentage attributable to the Annual Policy Service <br> Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> As a percentage of the guarantee under the optional benefit. |
| Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.** | Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.** |
| **LOWEST ANNUAL COST:**<br>$1,611.50 | **HIGHEST ANNUAL COST**<br>$3,902.86 |
| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Base Contract Charges and <br> Portfolio fees and expenses<br>•No optional benefits<br> •No sales charges <br> •No additional purchase <br> payments, transfers or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Base Contract Charges, <br> optional benefits, and Portfolio <br> fees and expenses<br>•No sales charges <br> •No additional purchase <br> payments, transfers or <br> withdrawals |

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|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| **Yes**. You can lose money by investing in this policy. | **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
| **Is This a** <br> **Short-Term**<br> **Investment?**<br>| **No**. This policy is not designed for short-term investing and is not <br> appropriate for an investor who readily needs access to cash. <br> Surrender charges apply for up to 7 years following your last premium <br> payment. They will reduce the value of your policy if you withdraw <br> money during that time. Withdrawals may also be subject to federal and <br> state income taxes and tax penalties. The benefits of tax deferral and <br> living benefit protections also mean the policy is more beneficial to <br> investors with a long time horizon. If you purchased the IPP, IPP II, <br> GIPR or GIPR 2.0, you will not receive a benefit under the rider unless <br> you hold the policy for at least the specified holding period applicable to <br> the rider.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|

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|:---|:---|:---|
| **What Are the** <br> **Risks Associated**<br> **with the** <br> **Investment**<br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> variable investment options (e.g., Portfolios) and guaranteed options <br> (e.g., the Fixed Account and DCA Advantage Account) you choose.<br>•Each investment option, including the Fixed Account and DCA <br> Advantage Account, has its own unique risks.<br>•You should review the prospectuses for the available Portfolios and <br> the description in this prospectus of the Fixed Account and the DCA <br> Advantage Account before making an investment decision.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY** <br>|
| **What Are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?**<br>| An investment in the policy is subject to the risks related to NYLIAC, <br> including that any obligations, guarantees, and benefits of the policy <br> are subject to the claims-paying ability of NYLIAC. If NYLIAC <br> experiences financial distress, it may not be able to meet its obligations <br> to you. More information about NYLIAC is available upon request from <br> NYLIAC by calling the VPSC at 1-800-598-2019.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
|  | **RESTRICTIONS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There Limits** <br> **on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.** <br> •We limit the number of Investment Divisions you may choose. You <br> may allocate premium payments and Accumulation Value to up to 18 <br> separate Investment Divisions, plus the Fixed Account and DCA <br> Advantage Account, some of which may not be available under your <br> policy.<br>•We reserve the right to charge $30 for each transfer when you <br> transfer money between Investment Divisions in excess of 12 times in <br> a Policy Year.<br>•Additional restrictions apply with respect to transfers to and from the <br> Fixed Account and DCA Advantage Account.<br>•We reserve the right to limit transfers in circumstances of frequent <br> transfers or to prevent market timing.<br>•We reserve the right to remove, close, or substitute Portfolios as <br> investment options that are available under the policy.<br>| **THE** <br> **POLICIES—Policy** <br> **Application and** <br> **Premium Payments,** <br> **Transfers, and** <br> **Limits on Transfers**<br>**NYLIAC AND THE** <br> **SEPARATE** <br> **ACCOUNTS—**<br> **Additions,** <br> **Deletions, or** <br> **Substitutions of** <br> **Investments**<br>|
| **Are There** <br> **Restrictions on** <br> **Policy Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.** <br> •Certain optional benefits limit or restrict the investment options you <br> may select under the policy. We may change these restrictions in the <br> future.<br>•Certain optional benefits may limit withdrawals or other rights under <br> the policy.<br>•Under certain benefits, a withdrawal could reduce the value of a <br> benefit by more than the dollar amount of the withdrawal and/or could <br> terminate the benefit.<br>•You are required to have a minimum Accumulation Value for some <br> optional benefits.<br>•We may modify or discontinue an optional benefit at any time.<br> •Some optional benefits cannot be cancelled without surrendering <br> your policy. <br>| **DESCRIPTION OF** <br> **BENEFITS** <br>|

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| | | |
|:---|:---|:---|
|  | **TAXES** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What are the** <br> **Policy's Tax**<br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •Consult with a tax professional to determine the tax implications of <br> an investment in, withdrawals from and surrenders of this policy.<br>•If you purchase the policy through a tax-qualified plan or individual <br> retirement account (IRA), such plan or IRA already provides tax <br> deferral under the Code and there are fees and charges in an annuity <br> that may not be included in such other investments. Therefore, the <br> tax deferral of the policy does not provide additional benefits.<br>•Premiums that are made on a pre-tax basis as well as earnings on <br> your policy are taxed at ordinary income tax rates when you withdraw <br> them, and you may have to pay a 10% penalty tax if you take a <br> withdrawal before age 59½.<br>| **FEDERAL TAX** <br> **MATTERS**<br>|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **How are** <br> **Investment**<br> **Professionals**<br> **Compensated?**<br>| Your registered representative may receive compensation for selling <br> this policy to you, in the form of commissions, asset-based <br> compensation, allowances for expenses, and other compensation <br> programs. Your registered representative may have a financial incentive <br> to offer or recommend this policy over another investment.<br>| **DISTRIBUTION AND** <br> **COMPENSATION** <br> **ARRANGEMENTS**<br>|
| **Should I** <br> **Exchange My** <br> **Policy?**<br>| Your registered representative may have a financial incentive to offer <br> you a new policy in place of the one you own. You should consider <br> exchanging your policy if you determine, after comparing the features, <br> fees, risks of both policies, and any fees or penalties to terminate the <br> existing policy, that it is in your best interest to purchase the new policy <br> rather than continue to own your existing policy.<br>| **THE POLICIES –** <br> **Tax-Free** <br> **Section 1035** <br> **Exchanges;**<br> **Selecting the** <br> **Variable Annuity** <br> **That's Right for You**<br>|

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**Appendix A**

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***Investment Options Available Under the Policy***

The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premier. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierProspectus@newyorklife.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

If you purchased an investment protection rider, you may not be able to invest in certain Portfolios. If you have purchased the Investment Protection Plan (IPP) after February 15, 2010 or Investment Protection Plan II (IPP II), your available allocation options are listed in APPENDIX B below. If you have purchased the Guaranteed Investment Protection Rider (GIPR) or Guaranteed Investment Protection Rider 2.0 (GIPR 2.0), your available allocation options are listed in APPENDIX C below.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | NYLIM VP American Century Large Cap Equity <br> (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC ("New York Life Investments") /*<br> *Subadviser: American Century Investment* <br> *Management, Inc.*<br>| 0.93% | 11.06% | 13.68% | 11.58% |
| Asset Allocation | NYLIM VP Balanced (formerly NYLI VP <br> Balanced) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: NYL Investors LLC ("NYL* <br> *Investors") and Wellington Management* <br> *Company LLP ("Wellington")*<br>| 0.97% | 11.16% | 7.14% | 7.04% |
| Investment<br> Grade Bond<br>| NYLIM VP Bond (formerly NYLI VP Bond) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.80% | 6.57% | (0.88)% | 1.71% |
| International/Global<br> Equity<br>| NYLIM VP Candriam Emerging Markets Equity <br> (formerly NYLI VP Candriam Emerging Markets <br> Equity) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Candriam* <br>| 1.45% | 35.54% | 2.52% | 7.39% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Sector | NYLIM VP CBRE Global Infrastructure (formerly <br> VP CBRE Global Infrastructure) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: CBRE Investment Management* <br> *Listed Real Assets LLC*<br>| 1.20% | 15.31% | 6.79% | 2.39% |
| Asset Allocation | NYLIM VP Conservative Allocation (formerly <br> NYLI VP Conservative Allocation) — Service <br> Class<br>*Adviser: New York Life Investments*<br>| 0.80% | 9.29% | 3.67% | 5.14% |
| Large Cap Equity | NYLIM VP Dimensional U.S. Equity (formerly <br> NYLI VP Dimensional U.S. Equity) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Dimensional Fund Advisors LP*<br>| 0.79% | 13.46% | 12.11% | 12.40% |
| Large Cap Equity | NYLIM VP Epoch U.S. Equity Yield (formerly <br> NYLI VP Epoch U.S. Equity Yield) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Epoch Investment Partners, Inc.* <br> *("Epoch")*<br>| 0.93% | 13.96% | 11.74% | 9.69% |
| Asset Allocation | NYLIM VP Equity Allocation (formerly NYLI VP <br> Equity Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.94% | 13.69% | 7.90% | 9.07% |
| Sector | NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities <br> (formerly NYLI VP Fidelity Institutional AM<sup>®</sup> <br> Utilities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: FIAM LLC ("FIAM")*<br>| 0.93% | 13.50% | 12.06% | 10.69% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP Floating Rate (formerly NYLI VP <br> Floating Rate) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.89% | 4.86% | 5.16% | 4.74% |
| Asset Allocation | NYIM VP Growth Allocation (formerly NYLI VP <br> Growth Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.89% | 12.24% | 7.06% | 8.05% |
| Alternatives | NYLIM VP Hedge Multi-Strategy (formerly NYLI <br> VP Hedge Multi-Strategy) — Service Class<br>*Adviser: New York Life Investments*<br>| 1.26% | 7.78% | 2.67% | 1.81% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Income Builder (formerly NYLI VP <br> Income Builder) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Epoch and MacKay Shields LLC* <br> *("MacKay")*<br>| 0.88% | 16.70% | 6.29% | 7.13% |
| Asset Allocation | NYLIM VP Janus Henderson Balanced (formerly <br> NYLI VP Janus Henderson Balanced) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Janus Henderson Investors US LLC* <br> *("Janus Henderson")*<br>| 0.83% | 14.76% | 8.30% | 9.91% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Convertible (formerly NYLI <br> VP MacKay Convertible) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 16.11% | 5.34% | 10.10% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay High Yield Corporate Bond <br> (formerly NYLI VP MacKay High Yield Corporate <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 6.60% | 4.18% | 5.87% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Strategic Bond (formerly <br> NYLI VP MacKay Strategic Bond) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.90% | 8.60% | 3.73% | 4.14% |
| Investment<br> Grade Bond<br>| NYLIM VP MacKay U.S. Infrastructure Bond <br> (formerly NYLI VP MacKay U.S. Infrastructure <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.82% | 8.17% | (0.15)% | 1.13% |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Investors Trust (formerly VP <br> MFS<sup>®</sup> Investors Trust) – Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC* <br> *Subadviser: Massachusetts Financial Services* <br> *Company ("MFS")*<br>| 1.00% | N/A | N/A | N/A |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Research (formerly VP MFS<sup>®</sup> <br> Research) – Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MFS*<br>| 1.01% | N/A | N/A | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Moderate Allocation (formerly NYLI <br> VP Moderate Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.83% | 11.02% | 5.36% | 6.61% |
| Sector | NYLIM VP Natural Resources (formerly NYLI VP <br> Natural Resources) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Newton Investment Management* <br> *North America, LLC ("NIMNA")*<br>| 0.85% | 15.20% | 17.27% | 10.88% |
| Sector | NYLIM VP Newton Technology Growth (formerly <br> NYLI VP Newton Technology Growth) – Initial <br> Class<br>*Adviser: New York Life Investments*<br> *Subadviser: NIMNA*<br>| 1.03% | N/A | N/A | N/A |
| Investment<br> Grade Bond<br>| NYLIM VP PIMCO Real Return (formerly NYLI <br> VP PIMCO Real Return) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Pacific Investment Management* <br> *Company LLC ("PIMCO")*<br>| 1.34% | 7.89% | 1.11% | 3.03% |
| International/Global<br> Equity<br>| NYLIM VP PineStone International Equity <br> (formerly NYLI VP PineStone International <br> Equity) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: PineStone Asset Management Inc.*<br>| 1.11% | 12.01% | (0.05)% | 5.18% |
| Large Cap Equity | NYLIM VP S&P 500 Index (formerly NYLI VP <br> S&P 500 Index) — Service Class <br>*Adviser: New York Life Investments*<br>| 0.37% | 17.43% | 14.00% | 14.34% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Schroders Mid Cap Opportunities <br> (formerly NYLI VP Schroders Mid Cap <br> Opportunities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Schroder Investment Management* <br> *North America Inc.*<br>| 1.08% | 7.00% | 4.79% | 7.12% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Small Cap Growth (formerly NYLI VP <br> Small Cap Growth) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Brown Advisory, LLC and Segall* <br> *Bryant & Hamill, LLC*<br>| 1.11% | 4.63% | 1.38% | 8.68% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Money Market | NYLIM VP U.S. Government Money Market <br> (formerly NYLI VP U.S. Government Money <br> Market) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.28% | 4.05% | 3.02% | 1.89% |
| Large Cap Equity | NYLIM VP Wellington Growth (formerly NYLI VP <br> Wellington Growth) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 0.98% | 16.77% | 10.10% | 13.17% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Wellington Small Cap (formerly NYLI <br> VP Wellington Small Cap) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 1.00% | 9.26% | 5.66% | 7.15% |
| Large Cap Equity | NYLIM VP Winslow Large Cap Growth (formerly <br> NYLI VP Winslow Large Cap Growth) — Service <br> Class<br>*Adviser: New York Life Investments* <br> */ Subadviser: Winslow Capital Management,* <br> *LLC*<br>| 1.00% | 14.07% | 12.41% | 15.85% |
| Large Cap Equity | AB VPS Relative Value Portfolio — Class B<br>*Adviser: AllianceBernstein LP*<br>| 0.84% | 10.20% | 11.15% | 10.30% |
| Asset Allocation | American Funds<sup>®</sup> IS Asset Allocation Fund — <br> Class 4<br>*Adviser: Capital Research and Management* <br> *Company*<sup>SM</sup> *("CRMC")*<br>| 0.79% | 15.59% | 8.70% | 9.50% |
| Investment Grade <br> Bond <br>| American Funds<sup>®</sup> IS The Bond Fund of <br> America<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.72% | 6.98% | (0.38)% | 2.11% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> <br> — Class 4<br>*Adviser: CRMC*<br>| 0.98% | 9.03% | (2.76)% | 0.97% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth Fund — Class 4<br>*Adviser: CRMC*<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth-Income Fund — <br> Class 4<br>*Adviser: CRMC*<br>| 0.78% | 17.77% | 13.62% | 13.63% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS New World Fund<sup>®</sup> — Class <br> 4<br>*Adviser: CRMC*<br>| 1.07% | 27.92% | 5.06% | 8.98% |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> <br> (formerly American Funds<sup>®</sup> IS Global Small <br> Capitalization Fund) — Class 4<br>*Adviser: CRMC*<br>| 1.15% | 14.33% | 0.23% | 6.96% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS U.S. Government Securities <br> Fund<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 7.54% | (0.49)% | 1.45% |
| Large Cap Equity | American Funds<sup>®</sup> IS Washington Mutual <br> Investors Fund — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 16.90% | 13.60% | 12.08% |
| Asset Allocation | BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class <br> III<br>*Adviser: BlackRock Advisors, LLC ("BlackRock")* <br> */ Subadvisers: BlackRock (Singapore) Limited* <br> *and BlackRock International Limited*<br>| 1.01% | 19.42% | 5.51% | 7.33% |
| Non-Investment<br> Grade Bond<br>| BlackRock<sup>®</sup> High Yield V.I. Fund — Class III<br>*Adviser: BlackRock / Subadviser: BlackRock* <br> *International Limited*<br>| 0.78% | 9.09% | 4.57% | 6.07% |
| Large Cap Equity | BNY Mellon Sustainable U.S. Equity Portfolio — <br> Service Shares<br>*Adviser: BNY Mellon Investment Adviser, Inc. /* <br> *Subadviser: Newton Investment Management* <br> *Limited*<br>| 0.91% | 15.67% | 11.65% | 13.27% |
| Sector | Columbia Variable Portfolio — Commodity <br> Strategy Fund — Class 2<sup>++</sup> <br>*Adviser: Columbia Management Investment* <br> *Advisers, LLC ("Columbia") / Subadviser:* <br> *Threadneedle International Limited*<br>| 1.00% | 15.30% | 12.44% | 6.46% |
| Non-Investment<br> Grade Bond<br>| Columbia Variable Portfolio — Emerging <br> Markets Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 1.00% | 12.65% | 1.47% | 4.03% |
| Investment Grade <br> Bond<br>| Columbia Variable Portfolio — Intermediate <br> Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 0.77% | 8.84% | (0.68)% | 2.52% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Small/Mid Cap<br> Equity<br>| Columbia Variable Portfolio — Small Cap Value <br> Discovery Fund (formerly Columbia Variable <br> Portfolio — Small Cap Value Fund) — Class 2<br>*Adviser: Columbia* <br>| 1.13% | 14.66% | 12.19% | 11.20% |
| Small/Mid Cap <br> Equity<br>| Columbia Variable Portfolio — Small Company <br> Growth Fund — Class 2<br>*Adviser: Columbia*<br>| 1.12% | 21.69% | 3.32% | 14.89% |
| Alternatives | DWS Alternative Asset Allocation VIP — Class <br> B<br>*Adviser: DWS Investment Management* <br> *Americas Inc. / Subadviser: RREEF America* <br> *LLC*<br>| 1.31% | 10.03% | 4.88% | 4.52% |
| Investment<br> Grade Bond<br>| Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service <br> Class 2<br>*Adviser: Fidelity Management & Research* <br> *Company LLC ("FMR") / Subadvisers: Other* <br> *investment advisers*<br>| 0.39% | 6.76% | (0.81)% | N/A |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 1.12% | 40.79% | 5.62% | 10.66% |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.71% | 18.75% | 12.13% | 11.32% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Extended Market Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode Capital* <br> *Management, LLC ("Geode")*<br>| 0.37% | 12.03% | 7.75% | N/A |
| Asset Allocation | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — <br> Service Class<br>*Adviser: FMR* <br>| 0.63% | 15.71% | 6.67% | 8.19% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.81% | 21.73% | 11.04% | 19.64% |
| Sector | Fidelity<sup>®</sup> VIP Health Care Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.84% | 14.10% | 3.92% | N/A |
| International/Global <br> Equity<br>| Fidelity<sup>®</sup> VIP International Capital Appreciation <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: FIL Investment* <br> *Advisors*<br>| 1.02% | 18.36% | 5.99% | 9.53% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP International Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode*<br>| 0.41% | 32.82% | 7.76% | N/A |
| Investment Grade <br> Bond<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.62% | 6.93% | (0.21)% | 2.45% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio — Service Class <br> 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Sector | Franklin Gold and Precious Metals VIP Fund — <br> Class 2<br>*Adviser: Franklin Advisers, Inc. ("Franklin* <br> *Advisers")*<br>| 0.95% | N/A | N/A | N/A |
| Asset Allocation | Franklin Templeton Aggressive Model <br> Portfolio — Class II<br>*Adviser: Franklin Templeton Fund Adviser, LLC* <br> *("FTFA") / Subadviser: Franklin Advisers*<br>| 0.88% | 17.04% | 10.14% | N/A |
| Asset Allocation | Franklin Templeton Moderately Aggressive <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 15.01% | 7.87% | N/A |
| Asset Allocation | Franklin Templeton Moderate Model Portfolio — <br> Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 13.18% | 6.49% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | Franklin Templeton Moderately Conservative <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 11.51% | 4.91% | N/A |
| Asset Allocation | Franklin Templeton Conservative Model <br> Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.85% | 9.04% | 2.65% | N/A |
| International/Global <br> Equity<br>| Goldman Sachs VIT International Equity Insights <br> Fund — Service Class<br>*Adviser: Goldman Sachs Asset Management,* <br> *L.P.*<br>| 1.05% | 5.80% | 5.19% | 4.61% |
| International/Global<br> Equity<br>| Invesco V.I. EQV International Equity Fund — <br> Series II Shares<br>*Adviser: Invesco Advisers, Inc. ("Invesco")*<br>| 1.15% | 16.23% | 3.42% | 5.95% |
| Small/Mid Cap<br> Equity<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> — <br> Series II Shares<br>*Adviser: Invesco* <br>| 1.09% | 8.44% | 8.07% | 10.31% |
| Small/Mid Cap<br> Equity<br>| Janus Henderson Enterprise Portfolio — Service <br> Shares<br>*Adviser: Janus Henderson* <br>| 0.97% | 7.41% | 7.35% | 12.51% |
| International/Global<br> Equity<br>| Janus Henderson Global Research Portfolio — <br> Service Shares<br>*Adviser: Janus Henderson* <br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Investment Grade <br> Bond<br>| Lord Abbett Series Fund, Inc. — Short Duration <br> Income Portfolio — Class VC<br>*Adviser: Lord, Abbett & Co. LLC*<br>| 0.72% | 5.90% | 2.25% | 2.62% |
| Large Cap Equity | LVIP ClearBridge Appreciation Fund (formerly <br> ClearBridge Variable Appreciation Portfolio — <br> Service Class<br>*Adviser: Lincoln Financial Investments* <br> *Corporation / Subadviser: ClearBridge* <br> *Investments, LLC*<br>| 0.95% | 14.19% | 12.44% | 13.05% |
| International Equity | MFS<sup>®</sup> International Intrinsic Equity Portfolio <br> (formerly MFS<sup>®</sup> International Intrinsic Value <br> Portfolio) — Service Class<br>*Adviser: MFS*<br>| 1.14% | 32.96% | 7.02% | 9.68% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Mid Cap<br> Equity<br>| MFS<sup>®</sup> Mid Cap Value Portfolio — Service Class<br>*Adviser: MFS* <br>| 1.04% | 5.75% | 9.90% | 9.69% |
| International/Global<br> Equity<br>| MFS<sup>®</sup> Research International Portfolio — <br> Service Class<br>*Adviser: MFS*<br>| 1.15% | 21.75% | 5.25% | 7.27% |
| Small/Mid Cap<br> Equity<br>| Neuberger Berman AMT Mid Cap Growth <br> Portfolio — Class S<br>*Adviser: Neuberger Berman Investment* <br> *Advisers LLC*<br>| 1.11% | 5.23% | 4.27% | 10.71% |
| Small/Mid Cap <br> Equity<br>| Nomura VIP Small Cap Value Series (formerly <br> Macquarie VIP Small Cap Value Series) — <br> Service Class<br>*Adviser: Delaware Management Company, a* <br> *series of Nomura Investment Management* <br> *Business Trust*<br>| 1.04% | 7.83% | 8.93% | 8.84% |
| Investment<br> Grade Bond<br>| PIMCO VIT Income Portfolio — Advisor Class<br>*Adviser: PIMCO*<br>| 1.02% | 10.08% | 3.31% | N/A |
| Investment<br> Grade Bond<br>| PIMCO VIT International Bond Portfolio (U.S. <br> Dollar-Hedged) — Advisor Class<br>*Adviser: PIMCO*<br>| 1.19% | 3.85% | 0.93% | 2.78% |
| Investment<br> Grade Bond<br>| PIMCO VIT Low Duration Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.76% | 5.42% | 1.47% | 1.69% |
| Investment<br> Grade Bond<br>| PIMCO VIT Short-Term Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.75% | 4.57% | 3.14% | 2.65% |
| Investment<br> Grade Bond<br>| PIMCO VIT Total Return Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.83% | 8.78% | (0.08)% | 2.26% |
| Sector | Principal VC Real Estate Securities Account — <br> Class 2<br>*Adviser: Principal Global Investors, LLC /* <br> *Subadviser: Principal Real Estate Investors, LLC*<br>| 1.03% | 0.92% | 4.61% | 5.67% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| Putnam VT International Value Fund — Class IB<br>*Adviser: Putnam Investment Management, LLC /* <br> *Subadvisers: Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited and* <br> *The Putnam Advisory Company, LLC*<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| Large Cap Equity | Voya Growth and Income Portfolio — Class S<br>*Adviser: Voya Investments, LLC ("Voya") /* <br> *Subadviser: Voya Investment Management Co.* <br> *LLC ("VIM")*<br>| 0.92% | 17.94% | 15.18% | 14.33% |
| Investment Grade <br> Bond<br>| Voya Intermediate Bond Portfolio — Class S<br>*Adviser: Voya / Subadviser: VIM*<br>| 0.80% | 7.46% | (0.09)% | 2.42% |
| Investment<br> Grade Bond<br>| Western Asset Core Plus VIT Portfolio — Class <br> II<sup>+++</sup> <br>*Adviser: FTFA / Subadvisers: Western Asset* <br> *Management Company, LLC; Western Asset* <br> *Management Company Limited; Western Asset* <br> *Management Company Ltd.; and Western Asset* <br> *Management Company Pte. Ltd.*<br>| 0.79% | 7.69% | (1.67)% | 1.85% |

---

\*

Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2025 reflect temporary fee reductions under such an arrangement.

<sup>+</sup>

Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.

<sup>++</sup>

Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.

<sup>+++</sup>

Closed for policyowners who were not invested in the Investment Division on May 1, 2026, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after May 1, 2026. <br>

The following is a list of fixed options currently available under the policy. We may change the features of the fixed options listed below and offer new fixed options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Guaranteed** <br> **Minimum Interest** <br> **Rate**<br>|
| **Fixed Account** | N/A | **0.05%** |
| **DCA Advantage** <br> **Account**<br>| 6 months | **0.05%** |

---

------

**Appendix B**

------

***Allocation Options available with IPP and IPP II***

If you elect either the IPP (after February 15, 2010) or IPP II rider, then you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account. You may not allocate more than 25% of your initial premium payment to the Fixed Account. **The Fixed Account is not available for policies issued in the State of New York. In addition, the Fixed Account is not available in the State of Washington if the IPP or IPP II rider is selected.** The allowable Allocation Options under IPP and IPP II are as follows:

Fixed Account\* <br>NYLIM VP Balanced — Service Class <br>NYLIM VP Bond — Service Class <br>NYLIM VP Conservative Allocation — Service Class <br>NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities — Service Class <br>NYLIM VP Floating Rate — Service Class <br>NYLIM VP Growth Allocation — Service Class <br>NYLIM VP Hedge Multi-Strategy — Service Class <br>NYLIM VP Income Builder — Service Class <br>NYLIM VP Janus Henderson Balanced — Initial Class <br>NYLIM VP Janus Henderson Balanced — Service Class <br>NYLIM VP MacKay Convertible — Service Class <br>NYLIM VP MacKay High Yield Corporate Bond — Service Class <br>NYLIM VP MacKay Strategic Bond — Service Class <br>NYLIM VP MacKay U.S. Infrastructure Bond — Service Class <br>NYLIM VP Moderate Allocation — Service Class <br>NYLIM VP PIMCO Real Return — Service Class <br>NYLIM VP U.S. Government Money Market — Initial Class <br>American Funds<sup>®</sup> IS Asset Allocation Fund — Class 4 <br>American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> — Class 4 <br>American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> — Class 4 <br>American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> — Class 4 <br>BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class III <br>BlackRock<sup>®</sup> High Yield V.I. Fund — Class III <br>Columbia Variable Portfolio — Emerging Markets Bond Fund — Class 2 <br>Columbia Variable Portfolio — Intermediate Bond Fund — Class 2 <br>DWS Alternative Asset Allocation VIP — Class B <br>Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service Class 2 <br>Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — Service Class <br>Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio — Service Class 2 <br>Franklin Templeton Moderately Aggressive Model Portfolio — Class II <br>Franklin Templeton Moderate Model Portfolio — Class II <br>Franklin Templeton Moderately Conservative Model Portfolio — Class II <br>Franklin Templeton Conservative Model Portfolio — Class II <br>Lord Abbett Series Fund, Inc - Short Duration Income Portfolio — Class VC <br>PIMCO VIT Income Portfolio — Advisor Class <br>PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) — Advisor Class <br>PIMCO VIT Low Duration Portfolio — Advisor Class <br>PIMCO VIT Short-Term Portfolio — Advisor Class <br>PIMCO VIT Total Return Portfolio — Advisor Class <br>Voya Intermediate Bond Portfolio — Class S <br>Western Asset Core Plus VIT Portfolio — Class II

\*

You may not allocate more than 25% of your initial premium payment to the Fixed Account. Not available in New York or Washington.

-20

------

**Appendix C**

------

***Investment Divisions, Model Portfolios and Asset Allocation Models available with GIPR and GIPR 2.0***

***Option 1 – Choose Your Own Investment Divisions*** 

---

| | | |
|:---|:---|:---|
| ***<u>Asset Allocation Categories:</u>*** |  |  |
| **<u>Category A:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| **<u>Category A Funds</u>** |  |  |
| NYLIM VP Bond |  | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| NYLIM VP Floating Rate |  | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio |
| NYLIM VP MacKay High Yield Corporate Bond |  | Lord Abbett Series Fund, Inc. - Short Duration Income Port. |
| NYLIM VP MacKay Strategic Bond |  | PIMCO VIT Income Portfolio |
| NYLIM VP MacKay U.S. Infrastructure Bond |  | PIMCO VIT International Bond Port. (U.S. Dollar-Hedged) |
| NYLIM VP PIMCO Real Return |  | PIMCO VIT Low Duration Portfolio |
| NYLIM VP U.S. Government Money Market |  | PIMCO VIT Short-Term Portfolio |
| American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> |  | PIMCO VIT Total Return Portfolio |
| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> |  | Voya Intermediate Bond Portfolio |
| American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> |  | Western Asset Core Plus VIT Portfolio |
| BlackRock<sup>®</sup> High Yield V.I. Fund |  |  |
| Columbia Variable Portfolio — Emerging Markets Bond |  |  |
| Columbia Variable Portfolio — Intermediate Bond Fund |  |  |
| **<u>Category B:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity |  | American Funds<sup>®</sup> IS Asset Allocation Fund |
| NYLIM VP Balanced |  | American Funds<sup>®</sup> IS Growth Fund |
| NYLIM VP Conservative Allocation |  | American Funds<sup>®</sup> IS Growth-Income Fund |
| NYLIM VP Dimensional U.S. Equity |  | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| NYLIM VP Epoch U.S. Equity Yield |  | BlackRock<sup>®</sup> Global Allocation V.I. Fund |
| NYLIM VP Equity Allocation |  | BNY Mellon Sustainable U.S. Equity Portfolio |
| NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities |  | DWS Alternative Asset Allocation VIP |
| NYLIM VP Growth Allocation |  | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio |
| NYLIM VP Hedge Multi-Strategy |  | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio |
| NYLIM VP Income Builder |  | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio |
| NYLIM VP Janus Henderson Balanced |  | Franklin Templeton Moderately Aggressive Model Portfolio |
| NYLIM VP MacKay Convertible |  | Franklin Templeton Moderate Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Investors Trust |  | Franklin Templeton Moderately Conservative Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Research |  | Franklin Templeton Conservative Model Portfolio |
| NYLIM VP Moderate Allocation |  | LVIP ClearBridge Appreciation Fund |
| NYLIM VP S&P 500 Index |  | Voya Growth and Income Portfolio |
| NYLIM VP Wellington Growth |  |  |
| NYLIM VP Winslow Large Cap Growth |  |  |
| AB VPS Relative Value Portfolio |  |  |
| **<u>Category C:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 10<br> %<br>|  |

---

-21

------

---

| | |
|:---|:---|
| **<u>Category C Funds</u>** |  |
| NYLIM VP Candriam Emerging Markets Equity<br> NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br> NYLIM VP PineStone International Equity<br> NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Columbia Variable Portfolio — Commodity Strategy <br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br>| &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Health Care Portfolio<br> Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio<br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund<br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio<br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br> Principal VC Real Estate Securities Account<br> Putnam VT International Value Fund<br>|

---

***Option 2 – Franklin Templeton Model Portfolios*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

---

***Option 3 – Asset Allocation Models (subject to availability)*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |

---

-22

------

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

---

-23

------

This Summary Prospectus incorporates by reference the New York Life Premier Variable Annuity full statutory prospectus and the Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The full statutory prospectus and the SAI are posted on our website, https://dfinview.com/NewYorkLife/TAHD/premier. The full prospectus and SAI for the policy may be obtained, free of charge, in any manner shown on the front page of this Summary Prospectus.

Reports and other information about the Separate Accounts are available on the SEC's website at https://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. <br>

Separate Account III EDGAR contract identifier #C000074527 <br>

<br>Separate Account IV EDGAR contract identifier #C000074529

------

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

**May 1, 2026**

**New York Life Premier Variable Annuity II**

**From** <br>**NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION** <br>**Issued through**

**NYLIAC Variable Annuity Separate Account-III** <br> **NYLIAC Variable Annuity Separate Account-IV**

This summary prospectus summarizes key features of the New York Life Premier Variable Annuity II policies.

Before you invest, you should review the prospectus for the New York Life Premier Variable Annuity II policies, which contains more information about the policy's features, benefits, and risks. You can find this document and other information about the policy online at https://dfinview.com/NewYorkLife/TAHD/premier-ii. You can also obtain this information at no cost by calling our Variable Products Service Center at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierIIProspectus@newyorklife.com.

You can sign up for electronic delivery of your summary prospectus, updates to the summary prospectus or other communications by logging into your account at www.newyorklife.com or the New York Life Mobile Application ("mobile application" or "mobile app") which is available for download on the Apple App Store and Google Play Store. If you sign up for electronic delivery, we will apply a one-time $30 e-delivery credit to your Accumulation Value in accordance with your allocation instructions in the Policy Year in which you register.

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov. **The Securities and Exchange Commission ("SEC") has not approved or disapproved of this security or passed upon the accuracy or adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.** The policies involve risks, including potential loss of principal invested. Policies are not deposits of, or guaranteed or endorsed by, any bank and are not federally insured by the FDIC, Federal Reserve Board, or any other agency.

------

**Table of Contents** 

---

| | |
|:---|:---|
|  | **Page** |
| **[Contacting NYLIAC](#xx_490e1d26-f30b-47c3-9151-abae510c6256_1)** | &nbsp;&nbsp; 1<br>|
| **[Definitions](#xx_ffc42c1b-b223-4a9e-ba63-ecdc6f0b5c8b_1)** | &nbsp;&nbsp; 2<br>|
| **[Updated Information About Your Policy](#xx_a3ed3b69-5820-4cfe-8274-f5cbb77a7115_1)** | &nbsp;&nbsp; 4<br>|
| **[Important Information You Should Consider About The Policy](#xx_ac9053f5-9741-49ff-b118-e968683c182f_1)** | &nbsp;&nbsp; 6<br>|
| **[Appendix](#xx_bb026200-444c-45d2-ac69-7367f42847a7_1)[1A](#xx_bb026200-444c-45d2-ac69-7367f42847a7_1)** | &nbsp;&nbsp; 1A<br> -1 <br>|
| **[Appendix](#xx_192d59c2-c6b6-4693-9e50-6b6986afd604_1)[1B](#xx_192d59c2-c6b6-4693-9e50-6b6986afd604_1)** | &nbsp;&nbsp; 1B<br> -1 <br>|
| **[Appendix](#xx_9ef3f596-c9b3-4956-98ca-11ce1a4663f0_1)[1C](#xx_9ef3f596-c9b3-4956-98ca-11ce1a4663f0_1)** | &nbsp;&nbsp; 1C<br> -1 <br>|
| **[Appendix](#xx_b0f063dd-9054-4da3-aeef-04fa2d2bc7dd_1)[1D](#xx_b0f063dd-9054-4da3-aeef-04fa2d2bc7dd_1)** | &nbsp;&nbsp; 1D<br> -1 <br>|

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**Contacting NYLIAC**

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Certain service requests, including but not limited to, death benefit claims and surrenders, are required to be in writing. All written service requests (except for subsequent premium payments and loan repayments) must be sent to the NYLIAC Variable Products Service Center (VPSC) at one of the following addresses:

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **All written service** <br> **requests (except for** <br> **payments)**<br>| NYLIAC Variable Products Service Center<br> Madison Square Station<br> P.O. Box 922<br> New York, NY 10159<br>| &nbsp;&nbsp; NYLIAC Variable Products Service Center<br> 51 Madison Avenue<br> Floor 3B, Room 0304<br> New York, NY 10010<br>|
| **Death Claim forms may** <br> **also be submitted to** | **Regular Mail** |  |
| **Death Claim forms may** <br> **also be submitted to** | New York Life<br> P.O. Box 130539<br> Dallas, TX 75313–0539<br>|  |

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Premium payments and loan repayments should be sent to the VPSC at one of the following addresses **(acceptance of subsequent premium payments is subject to the sales standards we use to evaluate whether a recommended transaction related to your policy complies with applicable standards of conduct):** 

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **Premium Payments and** <br> **Loan Repayments**<br>| NYLIAC<br> 75 Remittance Drive<br> Suite 3021<br> Chicago, IL 60675–3021<br>| &nbsp;&nbsp; NYLIAC<br> 5450 N Cumberland Avenue<br> Suite 100<br> Chicago, IL 60656-1422<br>|

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Written service requests will be effective as of the Business Day they are received in Good Order at our service center at one of the addresses listed above. We consider a transaction to be in "Good Order" if it complies with our administrative procedures and all relevant laws and regulations, and the required information is complete and correct. Good Order means the actual receipt by us of instructions relating to the requested transaction in writing (or, if permitted, by telephone or electronically), along with all forms and other information or documentation necessary to complete the request. Faxed and e-mailed requests are not currently accepted.

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**Definitions**

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**Accumulation Unit—**An accounting unit we use to calculate the Variable Accumulation Value prior to the Annuity Commencement Date. Each Investment Division of the Separate Account has a distinct variable Accumulation Unit value.

**Accumulation Value—**The sum of the Variable Accumulation Value, the Fixed Account Accumulation Value (if applicable), and the DCA Advantage Account Accumulation Value of a policy.

**Business Day—**Generally, any day on which the New York Stock Exchange (NYSE) is open for trading. Our Business Day ends at 4:00 p.m. Eastern Time or the close of regular trading of the NYSE, if earlier. <br>

**Dollar Cost Averaging (DCA) Advantage Account Accumulation Value—**The sum of premium payments allocated to the DCA Advantage Account, plus interest credited on those premium payments, less any transfers and partial withdrawals from the DCA Advantage Account, and less any surrender charges, policy service charges and rider charges deducted from the DCA Advantage Account. The DCA Advantage Account Accumulation Value will never be less than the DCA Advantage Account portion of the Nonforfeiture Value.

**Dollar Cost Averaging (DCA) Advantage Account—** A non-variable Allocation Option to which you may allocate Premium Payments, subject to the limitations described on the Policy Data Page, and from which amounts are transferred to the Investment Divisions proportionally on a monthly basis. The DCA Advantage Account duration is shown on the Policy Data Page. We credit the DCA Advantage Account with a fixed interest rate. The benefits payable under the DCA Advantage Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account—**An account that is credited with a fixed interest rate which NYLIAC declares and is not part of the Separate Account. The benefits payable under the Fixed Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account Accumulation Value—**The sum of premium payments and, if allowable, transfers allocated to the Fixed Account, plus interest credited on those premium payments and, if allowable, transfers, less any transfers and partial withdrawals from the Fixed Account, and less any surrender charges, policy service charges and rider charges assessed on and deducted from the Fixed Account. The Fixed Account Accumulation Value will never be less than the Fixed Account portion of the Nonforfeiture Value.

**Investment Division—**The variable investment options available under the policy. Each Investment Division invests exclusively in shares of a specified Portfolio.

**NYLIAC, we, our or us—**New York Life Insurance and Annuity Corporation.

**Owner (you, your)—**The individual(s) or entity(ies) designated as the Owner in the policy, or as subsequently changed after issue, who is entitled to exercise all rights under the policy.

**Payment Year(s)—**With respect to any premium payment, the year(s) beginning on the date such premium payment is made to the policy.

**Policy Anniversary—**An anniversary of the Policy Date shown on the Policy Data Page.

**Policy Year—**A year starting on the Policy Date. Subsequent Policy Years begin on each Policy Anniversary, unless otherwise indicated.

**Portfolios —**The mutual fund portfolios in which the corresponding Investment Divisions invest.

**Separate Account—**NYLIAC Variable Annuity Separate Account–III or NYLIAC Variable Annuity Separate Account–IV, each a segregated asset account we established to receive and invest premium payments paid under the policies. The Separate Account's Investment Divisions, in turn, purchase shares of Portfolios.

**Surrender Charge Free Amount—**You may withdraw a certain amount from your policy each Policy Year without having to pay a surrender charge on that amount. We call this the Surrender Charge Free Amount. For policies issued to policyowners age 75 and under, the maximum amount you may withdraw without a surrender charge in any given Policy Year is the greatest of either: (i) 10% of your Accumulation Value as of the last Policy Anniversary (10% of the premium payment if the withdrawal is made in the first Policy Year) less any prior surrender charge free withdrawals

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during the Policy Year; (ii) 10% of your Accumulation Value at the time of withdrawal, less any prior surrender charge free withdrawals during the Policy Year; or (iii) your Accumulation Value less accumulated premium payments. For policyowners age 76-80 who applied for policies prior to May 1, 2022, this percentage is 50%. For policyowners age 76-85 who applied for policies on or after May 1, 2022, this percentage is 25%.

**Variable Accumulation Value—**The sum of the current Accumulation Unit value(s) for each of the Investment Divisions multiplied by the number of Accumulation Units held in the respective Investment Division.

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**Updated Information About Your Policy**

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| | |
|:---|:---|
| **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** | **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** |
| **Name Change of Trust and** <br> **Portfolios**<br>| The name of the New York Life Investments VP Funds Trust has changed to NYLIM <br> VP Funds Trust. All references to NYLI in the Portfolio names are deleted and <br> replaced with NYLIM.<br>|
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | American Funds<sup>®</sup> IS Growth-Income Fund — Class 4 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Columbia Variable Portfolio — Small Company Growth Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio — Service Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Franklin Gold and Precious Metals VIP Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Goldman Sachs VIT International Equity Insights Fund — Service Class |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Lord Abbett Series Fund, Inc. — Short Duration Income Portfolio — Class VC |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Voya Intermediate Bond Portfolio — Class S |
| **The names of the** <br> **following Portfolios have** <br> **been changed** | NYLIM VP American Century Large Cap Equity (formerly NYLI American Century <br> Sustainable Equity) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> (formerly American Funds<sup>®</sup> IS Global <br> Small Capitalization Fund) — Class 4<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Columbia Variable Portfolio — Small Cap Value Discovery Fund (formerly Columbia <br> Variable Portfolio — Small Cap Value Fund) — Class 2<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | LVIP ClearBridge Appreciation Fund (formerly ClearBridge Variable Appreciation <br> Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | MFS<sup>®</sup> International Intrinsic Equity Portfolio (formerly MFS<sup>®</sup> International Intrinsic <br> Value Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Nomura VIP Small Cap Value Series (formerly Macquire VIP Small Cap Value Series) <br> — Service Class<br>|
| **The following advisers** <br> **were changed** | References to Delaware Management Company, a series of Macquarie Investment <br> Management Business Trust, the adviser to the prior Macquarie VIP Small Cap Value <br> Series — Service Class were deleted and replaced with Delaware Management <br> Company, a series of Nomura Investment Management Business Trust.<br>|
| **The following advisers** <br> **were changed** | References to Franklin Templeton Fund Adviser, LLC the advisor to the prior <br> ClearBridge Variable Appreciation Portfolio — Class II were deleted and replaced <br> with Lincoln Financial Investments Corporation.<br>|
| **The following subadviser** <br> **was deleted**<br>| References to Macquarie Investment Management Global Limited, the subadviser to <br> the prior Macquarie VIP Small Cap Value Series — Service Class were deleted.<br>|
| **Closure of Portfolio to** <br> **New Investments**<br>| On May 1, 2026, Western Asset Core Plus VIT Portfolio — Class II was closed to all <br> policyowners except those policyowners who already had Accumulation Value <br> invested as of the closure date.<br>|
| **Limits on Transfers** | The limits on transfers section has been updated to reflect how we handle standing <br> allocation instructions when a transfer request is not accepted by any one of the <br> Portfolios.<br>|
| **IPR 5.0 Holding Period** | The 7 year Holding Period under the IPR 5.0 is now available in Oregon and Virginia. |
| **Policy Application and** <br> **Premium Payments**<br>| The maximum aggregate amount of premium payments accepted without prior <br> NYLIAC approval has been changed from $1,000,000 to $2,000,000.<br>|

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| | |
|:---|:---|
| **Portfolio Performance and** <br> **Expenses**<br>| For updated Portfolio performance and expense information, see Appendix 1A for the <br> Investment Options Available Under the Policy.<br>|

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**Important Information You Should Consider About The Policy**

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There** <br> **Charges for Early** <br> **Withdrawals?**<br>| **Yes**. If you withdraw more than the Surrender Charge Free Amount <br> from your policy within 7 years following your last premium payment, <br> you will be assessed a surrender charge. The maximum surrender <br> charge is 7% of the amount withdrawn during the first two Payment <br> Years following the premium payment (8% during the first year for <br> policies applied for before May 1, 2019) declining to 0% over that <br> seven-year period. For example, if you make an early withdrawal within <br> the first Payment Year, you could pay a surrender charge of up to <br> $7,000 ($8,000 for policies applied for before May 1, 2019) on a <br> $100,000 investment. The withdrawal amount could be reduced by <br> taxes or tax penalties.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses** <br> **–Surrender** <br> **Charges**<br> **FEE TABLE**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| **Yes**. In addition to surrender charges, we reserve the right to assess a <br> transaction charge if you transfer cash value between investment <br> options more than 12 times a year, or if a premium payment is returned <br> for insufficient funds. A loan processing fee may apply if you take a <br> policy loan. Although we do not currently charge for such transactions, <br> we reserve the right to charge up to $30 per transaction. A Rider Risk <br> Charge Adjustment ("Cancellation Charge") may apply if you <br> discontinue the investment preservation rider.<br>| **CHARGES AND** <br> **DEDUCTIONS** <br> **–Transaction** <br> **Expenses**<br> **FEE TABLE**<br>|
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br>| **Yes**. The table below describes the fees and expenses that you may <br> pay each year, depending on the investment options and optional <br> benefits you choose. Please refer to your Policy Data Page for <br> information about the specific fees you will pay each year based on the <br> options you have elected.<br>| **CHARGES AND** <br> **DEDUCTIONS** <br> **-Annual Policy** <br> **Expenses; Annual** <br> **Portfolio Expenses;** <br> **Optional Benefit** <br> **Expenses**<br>|

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| | | | |
|:---|:---|:---|:---|
| **ANNUAL FEE\*** | **MINIMUM** | **MAXIMUM** |  |
| Base contract<sup>1</sup> <br>| 1.00% | 1.30% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses**<br>|
| Portfolio fees and expenses<sup>2</sup> <br>| 0.37% | 1.45% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Portfolio** <br> **Expenses**<br>|
| Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<sup>3</sup> <br>| 0.25% | 1.35% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Optional Benefit** <br> **Expenses**<br>|

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|:---|:---|
| <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract Charge) <br> plus a percentage attributable to the Annual Policy Service Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> The minimum fee reflects the current charge for the Annual Death <br> Benefit Rider, as an annualized percentage of the amount guaranteed <br> under the rider. The maximum fee reflects the current charge for the <br> Investment Preservation Rider or Investment Preservation Rider 2.0 <br> (10-year holding period), as an annualized percentage of the amount <br> that is guaranteed under the rider. <br> \*Applicable fees may vary depending on purchase date. See FEE <br> TABLE and APPENDIX 4 in the prospectus. | <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract Charge) <br> plus a percentage attributable to the Annual Policy Service Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> The minimum fee reflects the current charge for the Annual Death <br> Benefit Rider, as an annualized percentage of the amount guaranteed <br> under the rider. The maximum fee reflects the current charge for the <br> Investment Preservation Rider or Investment Preservation Rider 2.0 <br> (10-year holding period), as an annualized percentage of the amount <br> that is guaranteed under the rider. <br> \*Applicable fees may vary depending on purchase date. See FEE <br> TABLE and APPENDIX 4 in the prospectus. |
| Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.**  | Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.**  |
| **LOWEST ANNUAL COST**<br>$1,411.46 | **HIGHEST ANNUAL COST**<br>$3,591.02 |
| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Base Contract Charges and <br> Portfolio fees and expenses<br>•No optional benefits<br> •No sales charges<br> •No additional purchase <br> payments, transfers or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Base Contract Charges, <br> optional benefits, and Portfolio <br> fees and expenses<br>•No sales charges<br> •No additional purchase <br> payments, transfers or <br> withdrawals |

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|  | **RISKS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| **Yes**. You can lose money by investing in this policy. | **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|

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|:---|:---|:---|
| **Is this a** <br> **Short-Term**<br> **Investment?**<br>| **No**. This policy is not designed for short-term investing and is not <br> appropriate for an investor who readily needs access to cash. <br> Surrender charges apply for up to 7 years following your last premium <br> payment. They will reduce the value of your policy if you withdraw <br> money during that time. Withdrawals may also be subject to federal and <br> state income taxes and tax penalties. The benefits of tax deferral and <br> living benefit protections also mean the policy is more beneficial to <br> investors with a long time horizon. If you elect an investment <br> preservation rider, you will not receive a benefit under the rider unless <br> you hold the policy for at least the specified Holding Period applicable <br> to the rider.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
| **What are the** <br> **Risks Associated**<br> **with the** <br> **Investment**<br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> variable investment options (e.g., Portfolios) and guaranteed options <br> (e.g., the Fixed Account and DCA Advantage Account) you choose.<br>•Each investment option, including the Fixed Account and the DCA <br> Advantage Account, has its own unique risks.<br>•You should review the prospectuses for the available Portfolios and <br> the description in this prospectus of the Fixed Account and the DCA <br> Advantage Account before making an investment decision.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY** <br>|
| **What are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?**<br>| An investment in the policy is subject to the risks related to NYLIAC, <br> including that any obligations, guarantees, and benefits of the policy <br> are subject to the claims-paying ability of NYLIAC. If NYLIAC <br> experiences financial distress, it may not be able to meet its obligations <br> to you. More information about NYLIAC is available upon request from <br> NYLIAC by calling the VPSC at 1-800-598-2019.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
|  | **RESTRICTIONS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There Limits** <br> **on the** <br> **Investments** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •We limit the number of Investment Divisions you may choose. You <br> may allocate premium payments and Accumulation Value to up to 18 <br> separate Investment Divisions, plus the Fixed Account and the DCA <br> Advantage Account, some of which may not be available under your <br> policy.<br>•We reserve the right to charge $30 for each transfer when you <br> transfer money between Investment Divisions in excess of 12 times in <br> a Policy Year.<br>•Additional restrictions apply with respect to transfers to and from the <br> Fixed Account and the DCA Advantage Account.<br>•We reserve the right to limit transfers in circumstances of frequent <br> transfers or to prevent market timing.<br>•We reserve the right to remove, close, or substitute Portfolios as <br> investment options that are available under the policy.<br>| **THE** <br> **POLICIES—Policy** <br> **Application and** <br> **Premium Payments,** <br> **Transfers, and** <br> **Limits on Transfers**<br>**NYLIAC AND THE** <br> **SEPARATE** <br> **ACCOUNTS—**<br> **Additions,** <br> **Deletions, or** <br> **Substitutions of** <br> **Investments**<br>|

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|:---|:---|:---|
| **Are There** <br> **Restriction on** <br> **Policy Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes**. <br> •Certain optional benefits limit or restrict the investment options you <br> may select under the policy. We may change these restrictions in the <br> future.<br>•Certain optional benefits may limit withdrawals or other rights under <br> the policy.<br>•Under certain benefits, a withdrawal could reduce the value of a <br> benefit by more than the dollar amount of the withdrawal and/or could <br> terminate the benefit.<br>•You are required to have a minimum Accumulation Value for some <br> optional benefits.<br>•We may modify or discontinue an optional benefit at any time.<br> •Some optional benefits cannot be cancelled without surrendering <br> your policy. <br>•The amount of the death benefit available under certain optional <br> benefits may vary depending on the date of death. Certain optional <br> benefits may offer a lesser death benefit at issue and require that the <br> policy be held for a minimum waiting period before the greater death <br> benefit will be payable. If you die before the end of the minimum <br> waiting period, the death benefit will be less than the greater death <br> benefit available after the minimum waiting period. Additionally, where <br> there is a reset of certain optional benefit riders, a new minimum <br> waiting period will be required before the greater death benefit will be <br> payable. If you die before the end of the new minimum waiting <br> period, the death benefit may be less than the greater death benefit <br> available after the new minimum waiting period.<br>| **DESCRIPTION OF** <br> **BENEFITS** <br>|
|  | **TAXES** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What are the** <br> **Policy's Tax**<br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •Consult with a tax professional to determine the tax implications of <br> an investment in, withdrawals from and surrenders of this policy.<br>•If you purchase the policy through a tax-qualified plan or individual <br> retirement account (IRA), such plan or IRA already provides tax <br> deferral under the Code and there are fees and charges in an annuity <br> that may not be included in such other investments. Therefore, the <br> tax deferral of the policy does not provide additional benefits.<br>•Premiums that are made on a pre-tax basis as well as earnings on <br> your policy are taxed at ordinary income tax rates when you withdraw <br> them, and you may have to pay a 10% penalty tax if you take a <br> withdrawal before age 59½.<br>| **FEDERAL TAX** <br> **MATTERS**<br>|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **How are the** <br> **Investment**<br> **Professionals**<br> **Compensated?**<br>| Your registered representative may receive compensation for selling <br> this policy to you, in the form of commissions, asset-based <br> compensation, allowances for expenses, and other compensation <br> programs. Your registered representative may have a financial incentive <br> to offer or recommend this policy over another investment.<br>| **DISTRIBUTION AND** <br> **COMPENSATION** <br> **ARRANGEMENTS**<br>|

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|:---|:---|:---|
| **Should I** <br> **Exchange my** <br> **Policy?**<br>| Your registered representative may have a financial incentive to offer <br> you a new policy in place of the one you own. You should consider <br> exchanging your policy if you determine, after comparing the features, <br> fees, risks of both policies, and any fees or penalties to terminate the <br> existing policy that it is in your best interest to purchase the new policy <br> rather than continue to own your existing policy.<br>| **THE POLICIES –** <br> **Tax-Free** <br> **Section 1035** <br> **Exchanges;**<br> **Selecting the** <br> **Variable Annuity** <br> **That's Right for You**<br>|

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**Appendix 1A**

***Investment Options Available Under the Policy***

The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premier-ii. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierIIProspectus@newyorklife.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

If you purchased an investment preservation rider, you may not be able to invest in certain Portfolios. If you purchased the IPR or IPR 2.0, your available Allocation Options are listed in APPENDIX 1B. If you purchased the IPR 3.0, your available Allocation Options are listed in APPENDIX 1C. If you purchased your IPR 4.0 or IPR 5.0 your available Allocation Options are listed in APPENDIX 1C and in APPENDIX 1D.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | NYLIM VP American Century Large Cap Equity <br> (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC ("New York Life Investments") /*<br> *Subadviser: American Century Investment* <br> *Management, Inc.*<br>| 0.93% | 11.06% | 13.68% | 11.58% |
| Asset Allocation | NYLIM VP Balanced (formerly NYLI VP <br> Balanced) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: NYL Investors LLC ("NYL* <br> *Investors") and Wellington Management* <br> *Company LLP ("Wellington")*<br>| 0.97% | 11.16% | 7.14% | 7.04% |
| Investment<br> Grade Bond<br>| NYLIM VP Bond (formerly NYLI VP Bond) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.80% | 6.57% | (0.88)% | 1.71% |
| International/Global<br> Equity<br>| NYLIM VP Candriam Emerging Markets Equity <br> (formerly NYLI VP Candriam Emerging Markets <br> Equity) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Candriam* <br>| 1.45% | 35.54% | 2.52% | 7.39% |

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Appendix 1A-1

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Sector | NYLIM VP CBRE Global Infrastructure (formerly <br> NYLI VP CBRE Global Infrastructure) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: CBRE Investment Management* <br> *Listed Real Assets LLC*<br>| 1.20% | 15.31% | 6.79% | 2.39% |
| Asset Allocation | NYLIM VP Conservative Allocation (formerly <br> NYLI VP Conservative Allocation) — Service <br> Class<br>*Adviser: New York Life Investments*<br>| 0.80% | 9.29% | 3.67% | 5.14% |
| Large Cap Equity | NYLIM VP Dimensional U.S. Equity (formerly <br> NYLI VP Dimensional U.S. Equity) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Dimensional Fund Advisors LP*<br>| 0.79% | 13.46% | 12.11% | 12.40% |
| Large Cap Equity | NYLIM VP Epoch U.S. Equity Yield (formerly <br> NYLI VP Epoch U.S. Equity Yield) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Epoch Investment Partners, Inc.* <br> *("Epoch")*<br>| 0.93% | 13.96% | 11.74% | 9.69% |
| Asset Allocation | NYLIM VP Equity Allocation (formerly NYLI VP <br> Equity Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.94% | 13.69% | 7.90% | 9.07% |
| Sector | NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities <br> (formerly NYLI VP Fidelity Institutional AM<sup>®</sup> <br> Utilities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: FIAM LLC ("FIAM")*<br>| 0.93% | 13.50% | 12.06% | 10.69% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP Floating Rate (formerly NYLI VP <br> Floating Rate) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.89% | 4.86% | 5.16% | 4.74% |
| Asset Allocation | NYLIM VP Growth Allocation (formerly NYLI VP <br> Growth Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.89% | 12.24% | 7.06% | 8.05% |
| Alternatives | NYLIM VP Hedge Multi-Strategy (formerly NYLI <br> VP Hedge Multi-Strategy) — Service Class<br>*Adviser: New York Life Investments*<br>| 1.26% | 7.78% | 2.67% | 1.81% |

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Appendix 1A-2

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Income Builder (formerly NYLI VP <br> Income Builder) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Epoch and MacKay Shields LLC* <br> *("MacKay")*<br>| 0.88% | 16.70% | 6.29% | 7.13% |
| Asset Allocation | NYLIM VP Janus Henderson Balanced (formerly <br> NYLI VP Janus Henderson Balanced) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Janus Henderson Investors US LLC* <br> *("Janus Henderson")*<br>| 0.83% | 14.76% | 8.30% | 9.91% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Convertible (formerly NYLI <br> VP MacKay Convertible) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 16.11% | 5.34% | 10.10% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay High Yield Corporate Bond <br> (formerly NYLI VP MacKay High Yield Corporate <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 6.60% | 4.18% | 5.87% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Strategic Bond (formerly <br> NYLI VP MacKay Strategic Bond) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.90% | 8.60% | 3.73% | 4.14% |
| Investment<br> Grade Bond<br>| NYLIM VP MacKay U.S. Infrastructure Bond <br> (formerly NYLI VP MacKay U.S. Infrastructure <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.82% | 8.17% | (0.15)% | 1.13% |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Investors Trust (formerly NYLI <br> VP MFS<sup>®</sup> Investors Trust) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Massachusetts Financial Services* <br> *Company ("MFS")*<br>| 1.00% | N/A | N/A | N/A |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Research (formerly NYLI VP <br> MFS<sup>®</sup> Research) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MFS*<br>| 1.01% | N/A | N/A | N/A |

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Appendix 1A-3

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Moderate Allocation (formerly NYLI <br> VP Moderate Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.83% | 11.02% | 5.36% | 6.61% |
| Sector | NYLIM VP Natural Resources (formerly NYLI VP <br> Natural Resources) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Newton Investment Management* <br> *North America, LLC ("NIMNA")*<br>| 0.85% | 15.20% | 17.27% | 10.88% |
| Sector | NYLIM VP Newton Technology Growth (formerly <br> NYLI VP Newton Technology Growth) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NIMNA*<br>| 1.03% | N/A | N/A | N/A |
| Investment<br> Grade Bond<br>| NYLIM VP PIMCO Real Return (formerly NYLI <br> VP PIMCO Real Return) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Pacific Investment Management* <br> *Company LLC ("PIMCO")*<br>| 1.34% | 7.89% | 1.11% | 3.03% |
| International/Global<br> Equity<br>| NYLIM VP PineStone International Equity <br> (formerly NYLI VP PineStone International <br> Equity) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: PineStone Asset Management Inc.*<br>| 1.11% | 12.01% | (0.05)% | 5.18% |
| Large Cap Equity | NYLIM VP S&P 500 Index (formerly NYLI VP <br> S&P 500 Index) — Service Class <br>*Adviser: New York Life Investments* <br>| 0.37% | 17.43% | 14.00% | 14.34% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Schroders Mid Cap Opportunities <br> (formerly NYLI VP Schroders Mid Cap <br> Opportunities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Schroder Investment Management* <br> *North America Inc.*<br>| 1.08% | 7.00% | 4.79% | 7.12% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Small Cap Growth (formerly NYLI VP <br> Small Cap Growth) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Brown Advisory, LLC and Segall* <br> *Bryant & Hamill, LLC*<br>| 1.11% | 4.63% | 1.38% | 8.68% |

---

Appendix 1A-4

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Money Market | NYLIM VP U.S. Government Money Market <br> (formerly NYLI VP U.S. Government Money <br> Market) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.28% | 4.05% | 3.02% | 1.89% |
| Large Cap Equity | NYLIM VP Wellington Growth (formerly NYLI VP <br> Wellington Growth) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 0.98% | 16.77% | 10.10% | 13.17% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Wellington Small Cap (formerly NYLI <br> VP Wellington Small Cap) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 1.00% | 9.26% | 5.66% | 7.15% |
| Large Cap Equity | NYLIM VP Winslow Large Cap Growth (formerly <br> NYLI VP Winslow Large Cap Growth) — Service <br> Class<br>*Adviser: New York Life Investments* <br> */ Subadviser: Winslow Capital Management,* <br> *LLC*<br>| 1.00% | 14.07% | 12.41% | 15.85% |
| Large Cap Equity | AB VPS Relative Value Portfolio — Class B<br>*Adviser: AllianceBernstein L.P.* <br>| 0.84% | 10.20% | 11.15% | 10.30% |
| Asset Allocation | American Funds<sup>®</sup> IS Asset Allocation Fund — <br> Class 4<br>*Adviser: Capital Research and Management* <br> *Company*<sup>SM</sup> *("CRMC")*<br>| 0.79% | 15.59% | 8.70% | 9.50% |
| Investment Grade <br> Bond <br>| American Funds<sup>®</sup> IS The Bond Fund of <br> America<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.72% | 6.98% | (0.38)% | 2.11% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> <br> — Class 4<br>*Adviser: CRMC*<br>| 0.98% | 9.03% | (2.76)% | 0.97% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth Fund — Class 4<br>*Adviser: CRMC*<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth-Income Fund — <br> Class 4<br>*Adviser: CRMC*<br>| 0.78% | 17.77% | 13.62% | 13.63% |

---

Appendix 1A-5

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS New World Fund<sup>®</sup> — Class <br> 4<br>*Adviser: CRMC*<br>| 1.07% | 27.92% | 5.06% | 8.98% |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> <br> (formerly American Funds<sup>®</sup> IS Global Small <br> Capitalization Fund) — Class 4<br>*Adviser: CRMC*<br>| 1.15% | 14.33% | 0.23% | 6.96% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS U.S. Government Securities <br> Fund<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 7.54% | (0.49)% | 1.45% |
| Large Cap Equity | American Funds<sup>®</sup> IS Washington Mutual <br> Investors Fund — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 16.90% | 13.60% | 12.08% |
| Asset Allocation | BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class <br> III<br>*Adviser: BlackRock Advisors, LLC ("BlackRock")* <br> */ Subadvisers: BlackRock (Singapore) Limited* <br> *and BlackRock International Limited*<br>| 1.01% | 19.42% | 5.51% | 7.33% |
| Non-Investment<br> Grade Bond<br>| BlackRock<sup>®</sup> High Yield V.I. Fund — Class III<br>*Adviser: BlackRock / Subadviser: BlackRock* <br> *International Limited*<br>| 0.78% | 9.09% | 4.57% | 6.07% |
| Large Cap Equity | BNY Mellon Sustainable U.S. Equity Portfolio — <br> Service Shares<br>*Adviser: BNY Mellon Investment Adviser, Inc. /* <br> *Subadviser: Newton Investment Management* <br> *Limited*<br>| 0.91% | 15.67% | 11.65% | 13.27% |
| Sector | Columbia Variable Portfolio — Commodity <br> Strategy Fund — Class 2<sup>++</sup> <br>*Adviser: Columbia Management Investment* <br> *Advisers, LLC ("Columbia") / Subadviser:* <br> *Threadneedle International Limited*<br>| 1.00% | 15.30% | 12.44% | 6.46% |
| Non-Investment<br> Grade Bond<br>| Columbia Variable Portfolio — Emerging <br> Markets Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 1.00% | 12.65% | 1.47% | 4.03% |
| Investment Grade <br> Bond<br>| Columbia Variable Portfolio — Intermediate <br> Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 0.77% | 8.84% | (0.68)% | 2.52% |

---

Appendix 1A-6

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Small/Mid Cap<br> Equity<br>| Columbia Variable Portfolio — Small Cap Value <br> Discovery Fund (formerly Columbia Variable <br> Portfolio — Small Cap Value Fund) — Class 2<br>*Adviser: Columbia* <br>| 1.13% | 14.66% | 12.19% | 11.20% |
| Small/Mid Cap <br> Equity<br>| Columbia Variable Portfolio — Small Company <br> Growth Fund — Class 2<br>*Adviser: Columbia*<br>| 1.12% | 21.69% | 3.32% | 14.89% |
| Alternatives | DWS Alternative Asset Allocation VIP — Class <br> B<br>*Adviser: DWS Investment Management* <br> *Americas Inc. / Subadviser: RREEF America* <br> *LLC*<br>| 1.31% | 10.03% | 4.88% | 4.52% |
| Investment<br> Grade Bond<br>| Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service <br> Class 2<br>*Adviser: Fidelity Management & Research* <br> *Company LLC ("FMR") / Subadvisers: Other* <br> *investment advisers*<br>| 0.39% | 6.76% | (0.81)% | N/A |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 1.12% | 40.79% | 5.62% | 10.66% |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.71% | 18.75% | 12.13% | 11.32% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Extended Market Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode Capital* <br> *Management, LLC ("Geode")*<br>| 0.37% | 12.03% | 7.75% | N/A |
| Asset Allocation | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — <br> Service Class<br>*Adviser: FMR* <br>| 0.63% | 15.71% | 6.67% | 8.19% |

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Appendix 1A-7

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.81% | 21.73% | 11.04% | 19.64% |
| Sector | Fidelity<sup>®</sup> VIP Health Care Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.84% | 14.10% | 3.92% | N/A |
| International/Global <br> Equity<br>| Fidelity<sup>®</sup> VIP International Capital Appreciation <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: FIL Investment* <br> *Advisors*<br>| 1.02% | 18.36% | 5.99% | 9.53% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP International Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode*<br>| 0.41% | 32.82% | 7.76% | N/A |
| Investment Grade <br> Bond<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.62% | 6.93% | (0.21)% | 2.45% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio — Service Class <br> 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Sector | Franklin Gold and Precious Metals VIP Fund — <br> Class 2<br>*Adviser: Franklin Advisers, Inc. ("Franklin* <br> *Advisers")*<br>| 0.95% | N/A | N/A | N/A |
| Asset Allocation | Franklin Templeton Aggressive Model <br> Portfolio — Class II<br>*Adviser: Franklin Templeton Fund Adviser, LLC* <br> *("FTFA") / Subadviser: Franklin Advisers*<br>| 0.88% | 17.04% | 10.14% | N/A |
| Asset Allocation | Franklin Templeton Moderately Aggressive <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 15.01% | 7.87% | N/A |
| Asset Allocation | Franklin Templeton Moderate Model Portfolio — <br> Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 13.18% | 6.49% | N/A |

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Appendix 1A-8

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | Franklin Templeton Moderately Conservative <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 11.51% | 4.91% | N/A |
| Asset Allocation | Franklin Templeton Conservative Model <br> Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.85% | 9.04% | 2.65% | N/A |
| International/Global <br> Equity<br>| Goldman Sachs VIT International Equity Insights <br> Fund — Service Class<br>*Adviser: Goldman Sachs Asset Management,* <br> *L.P.*<br>| 1.05% | 5.80% | 5.19% | 4.61% |
| International/Global<br> Equity<br>| Invesco V.I. EQV International Equity Fund — <br> Series II Shares<br>*Adviser: Invesco Advisers, Inc. ("Invesco")*<br>| 1.15% | 16.23% | 3.42% | 5.95% |
| Small/Mid Cap<br> Equity<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> — <br> Series II Shares<br>*Adviser: Invesco* <br>| 1.09% | 8.44% | 8.07% | 10.31% |
| Small/Mid Cap<br> Equity<br>| Janus Henderson Enterprise Portfolio — Service <br> Shares<br>*Adviser: Janus Henderson* <br>| 0.97% | 7.41% | 7.35% | 12.51% |
| International/Global<br> Equity<br>| Janus Henderson Global Research Portfolio — <br> Service Shares<br>*Adviser: Janus Henderson* <br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Investment Grade <br> Bond<br>| Lord Abbett Series Fund, Inc. — Short Duration <br> Income Portfolio — Class VC<br>*Adviser: Lord, Abbett & Co. LLC*<br>| 0.72% | 5.90% | 2.25% | 2.62% |
| Large Cap Equity | LVIP ClearBridge Appreciation Fund (formerly <br> ClearBridge Variable Appreciation Portfolio) — <br> Service Class<br>*Adviser: Lincoln Financial Investments* <br> *Corporation / Subadviser: ClearBridge* <br> *Investments, LLC*<br>| 0.95% | 14.19% | 12.44% | 13.05% |
| International Equity | MFS<sup>®</sup> International Intrinsic Equity Portfolio <br> (formerly MFS<sup>®</sup> International Intrinsic Value <br> Portfolio) — Service Class<br>*Adviser: MFS*<br>| 1.14% | 32.96% | 7.02% | 9.68% |

---

Appendix 1A-9

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Mid Cap<br> Equity<br>| MFS<sup>®</sup> Mid Cap Value Portfolio — Service Class<br>*Adviser: MFS* <br>| 1.04% | 5.75% | 9.90% | 9.69% |
| International/Global<br> Equity<br>| MFS<sup>®</sup> Research International Portfolio — <br> Service Class<br>*Adviser: MFS*<br>| 1.15% | 21.75% | 5.25% | 7.27% |
| Small/Mid Cap<br> Equity<br>| Neuberger Berman AMT Mid Cap Growth <br> Portfolio — Class S<br>*Adviser: Neuberger Berman Investment* <br> *Advisers LLC*<br>| 1.11% | 5.23% | 4.27% | 10.71% |
| Small/Mid Cap <br> Equity<br>| Nomura VIP Small Cap Value Series (formerly <br> Macquarie VIP Small Cap Value Series) — <br> Service Class<br>*Adviser: Delaware Management Company, a* <br> *series of Nomura Investment Management* <br> *Business Trust* <br>| 1.04% | 7.83% | 8.93% | 8.84% |
| Investment<br> Grade Bond<br>| PIMCO VIT Income Portfolio — Advisor Class<br>*Adviser: PIMCO*<br>| 1.02% | 10.08% | 3.31% | N/A |
| Investment<br> Grade Bond<br>| PIMCO VIT International Bond Portfolio (U.S. <br> Dollar-Hedged) — Advisor Class<br>*Adviser: PIMCO*<br>| 1.19% | 3.85% | 0.93% | 2.78% |
| Investment<br> Grade Bond<br>| PIMCO VIT Low Duration Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.76% | 5.42% | 1.47% | 1.69% |
| Investment<br> Grade Bond<br>| PIMCO VIT Short-Term Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.75% | 4.57% | 3.14% | 2.65% |
| Investment<br> Grade Bond<br>| PIMCO VIT Total Return Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.83% | 8.78% | (0.08)% | 2.26% |
| Sector | Principal VC Real Estate Securities Account — <br> Class 2<br>*Adviser: Principal Global Investors, LLC /* <br> *Subadviser: Principal Real Estate Investors, LLC*<br>| 1.03% | 0.92% | 4.61% | 5.67% |

---

Appendix 1A-10

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| Putnam VT International Value Fund — Class IB<br>*Adviser: Putnam Investment Management, LLC /* <br> *Subadvisers: Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited and* <br> *The Putnam Advisory Company, LLC*<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| Large Cap Equity | Voya Growth and Income Portfolio — Class S<br>*Adviser: Voya Investments, LLC ("Voya") /* <br> *Subadviser: Voya Investment Management Co.* <br> *LLC ("VIM")*<br>| 0.92% | 17.94% | 15.18% | 14.33% |
| Investment Grade <br> Bond<br>| Voya Intermediate Bond Portfolio — Class S<br>*Adviser: Voya / Subadviser: VIM*<br>| 0.80% | 7.46% | (0.09)% | 2.42% |
| Investment<br> Grade Bond<br>| Western Asset Core Plus VIT Portfolio — Class <br> II<sup>+++</sup> <br>*Adviser: FTFA / Subadvisers: Western Asset* <br> *Management Company, LLC; Western Asset* <br> *Management Company Limited; Western Asset* <br> *Management Company Ltd.; and Western Asset* <br> *Management Company Pte. Ltd.*<br>| 0.79% | 7.69% | (1.67)% | 1.85% |

---

\*

Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2025 reflect temporary fee reductions under such an arrangement.

<sup>+</sup>

Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.

<sup>++</sup>

Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.

<sup>+++</sup>

Closed for policyowners who were not invested in the Investment Division on May 1, 2026, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after May 1, 2026.

The following is a list of fixed options currently available under the policy. We may change the features of the fixed options listed below and offer new fixed options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Guaranteed** <br> **Minimum Interest** <br> **Rate**<br>|
| **Fixed Account** | N/A | **0.05%** |
| **DCA Advantage** <br> **Account**<br>| 6 months | **0.05%** |

---

Appendix 1A-11

------

**Appendix 1B**

***Investment Divisions, Model Portfolios and Asset Allocation Models available with IPR and IPR 2.0***

***Option 1 – Choose Your Own Investment Divisions*** 

---

| | | |
|:---|:---|:---|
| ***<u>Asset Allocation Categories:</u>*** |  |  |
| ***<u>Category A:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| ***<u>Category A Funds</u>*** |  |  |
| NYLIM VP Bond |  | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| NYLIM VP Floating Rate |  | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio |
| NYLIM VP MacKay High Yield Corporate Bond |  | Lord Abbett Series Fund, Inc. — Short Duration Income Port |
| NYLIM VP MacKay Strategic Bond |  | PIMCO VIT Income Portfolio |
| NYLIM VP MacKay U.S. Infrastructure Bond |  | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| NYLIM VP PIMCO Real Return |  | PIMCO VIT Low Duration Portfolio |
| NYLIM VP U.S. Government Money Market |  | PIMCO VIT Short-Term Portfolio |
| American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> |  | PIMCO VIT Total Return Portfolio |
| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> |  | Voya Intermediate Bond Portfolio |
| American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> |  | Western Asset Core Plus VIT Portfolio |
| BlackRock<sup>®</sup> High Yield V.I. Fund |  |  |
| Columbia Variable Portfolio — Emerging Markets Bond |  |  |
| Columbia Variable Portfolio — Intermediate Bond Fund |  |  |
| ***<u>Category B:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity |  | American Funds<sup>®</sup> IS Asset Allocation Fund |
| NYLIM VP Balanced |  | American Funds<sup>®</sup> IS Growth Fund |
| NYLIM VP Conservative Allocation |  | American Funds<sup>®</sup> IS Growth-Income Fund |
| NYLIM VP Dimensional U.S. Equity |  | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| NYLIM VP Epoch U.S. Equity Yield |  | BlackRock<sup>®</sup> Global Allocation V.I. Fund |
| NYLIM VP Equity Allocation |  | BNY Mellon Sustainable U.S. Equity Portfolio |
| NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities |  | DWS Alternative Asset Allocation VIP |
| NYLIM VP Growth Allocation |  | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio |
| NYLIM VP Hedge Multi-Strategy |  | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio |
| NYLIM VP Income Builder |  | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio |
| NYLIM VP Janus Henderson Balanced |  | Franklin Templeton Moderately Aggressive Model Portfolio |
| NYLIM VP MacKay Convertible |  | Franklin Templeton Moderate Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Investors Trust |  | Franklin Templeton Moderately Conservative Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Research |  | Franklin Templeton Conservative Model Portfolio |
| NYLIM VP Moderate Allocation |  | LVIP ClearBridge Appreciation Fund |
| NYLIM VP S&P 500 Index |  | Voya Growth and Income Portfolio |
| NYLIM VP Wellington Growth |  |  |
| NYLIM VP Winslow Large Cap Growth |  |  |
| AB VPS Relative Value Portfolio<br>|  |  |

---

Appendix 1B-1

------

---

| | | |
|:---|:---|:---|
| ***<u>Category C:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 10<br> %<br>|  |
| **<u>Category C Funds</u>** |  |  |
| NYLIM VP Candriam Emerging Markets Equity<br> NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br> NYLIM VP PineStone International Equity<br> NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Columbia Variable Portfolio — Commodity Strategy <br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br> Fidelity<sup>®</sup> VIP Health Care Portfolio <br>|  | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio <br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund <br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio <br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br> Principal VC Real Estate Securities Account<br> Putnam VT International Value Fund<br>|

---

***Option 2 – Franklin Templeton Model Portfolios*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

---

***Option 3 - Asset Allocation Models (subject to availability)*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Appendix 1B-2

------

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

---

Appendix 1B-3

------

**Appendix 1C**

***Model Portfolios, Investment Divisions and Asset Allocation Models available with IPR 3.0; IPR 4.0 (12–15 and 20–year Holding Period options)*** and IPR 5.0 ***(10-year Holding Period option for policies with an application signed on or after May 1, 2025; 12–15 and 20–year Holding Period options)***

***Option 1 – Franklin Templeton Model Portfolios*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** *(For IPR 4.0 and IPR 5.0, only available* <br> *with 20-year holding period)* | **<u>Conservative</u>** *(For IPR 4.0 and IPR 5.0, only available* <br> *with 20-year holding period)* |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

---

***Option 2 – Choose Your Own Investment Divisions*** 

---

| | | |
|:---|:---|:---|
| **<u>Category A:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Bond<br> NYLIM VP MacKay U.S. Infrastructure Bond<br> NYLIM VP PIMCO Real Return<br> NYLIM VP U.S. Government Money Market<br> American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup><br> American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup><br> American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup><br> Columbia Variable Portfolio — Intermediate Bond Fund<br> Fidelity<sup>®</sup> VIP Bond Index Portfolio<br> Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio<br>|  | &nbsp;&nbsp; Lord Abbett Series Fund, Inc. — Short Duration Income Port<br> PIMCO VIT Income Portfolio<br> PIMCO VIT International Bond Port (U.S. Dollar-Hedged) <br> PIMCO VIT Low Duration Portfolio <br> PIMCO VIT Short-Term Portfolio<br> PIMCO VIT Total Return Portfolio<br> Voya Intermediate Bond Portfolio<br> Western Asset Core Plus VIT Portfolio<br>|
| **<u>Subcategory II Funds</u>** |  |  |
| NYLIM VP Floating Rate<br> NYLIM VP MacKay High Yield Corporate Bond<br> NYLIM VP MacKay Strategic Bond<br>|  | &nbsp;&nbsp; BlackRock<sup>®</sup> High Yield V.I. Fund<br> Columbia Variable Portfolio — Emerging Markets Bond<br>|
| ***<u>Category B:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity<br> NYLIM VP Dimensional U.S. Equity<br> NYLIM VP Epoch U.S. Equity Yield<br> NYLIM VP Hedge Multi-Strategy<br> NYLIM VP MacKay Convertible<br> NYLIM VP MFS<sup>®</sup> Investors Trust<br> NYLIM VP MFS<sup>®</sup> Research<br> NYLIM VP S&P 500 Index<br> NYLIM VP Winslow Large Cap Growth <br> AB VPS Relative Value Portfolio<br>|  | &nbsp;&nbsp; American Funds<sup>®</sup> IS Growth Fund <br> American Funds<sup>®</sup> IS Growth-Income Fund<br> American Funds<sup>®</sup> IS Washington Mutual Investors Fund<br> BNY Mellon Sustainable U.S. Equity Portfolio<br> DWS Alternative Asset Allocation VIP <br> Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br> Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio<br> LVIP ClearBridge Appreciation Fund<br> Voya Growth and Income Portfolio<br>|

---

Appendix 1C-1

------

---

| | | |
|:---|:---|:---|
| ***<u>Category C:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 25<br> %<br>|  |
| **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br>|  | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br>|
| **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** | **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** | **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** |
| NYLIM VP PineStone International Equity<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio<br>|  | &nbsp;&nbsp; Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund<br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Putnam VT International Value Fund<br>|
| **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** | **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** | **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** |
| NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br>|  | &nbsp;&nbsp; Columbia Variable Portfolio — Commodity Strategy<br> Fidelity<sup>®</sup> VIP Health Care Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Principal VC Real Estate Securities Account<br>|

---

***Option 3 – Asset Allocation Funds:*** 

---

| | |
|:---|:---|
| **<u>Category D:</u>** |  |
| Minimum Allocation | &nbsp;&nbsp; 100<br> %<br>|
| **<u>Category D Asset Allocation Funds</u>** |  |
| NYLIM VP Balanced<br> NYLIM VP Conservative Allocation<br> NYLIM VP Income Builder<br> NYLIM VP Janus Henderson Balanced<br> NYLIM VP Moderate Allocation<br> American Funds<sup>®</sup> IS Asset Allocation Fund<br> BlackRock<sup>®</sup> Global Allocation V.I. Fund<br> Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio<br> Franklin Templeton Moderately Aggressive Model Portfolio<br> Franklin Templeton Moderate Model Portfolio<br> Franklin Templeton Moderately Conservative Model Portfolio<br> Franklin Templeton Conservative Model Portfolio <br>|  |

---

***Option 4 – Asset Allocation Models (subject to availability; not available with IPR 5.0)*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |

---

Appendix 1C-2

------

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

---

Appendix 1C-3

------

**Appendix 1D**

***Model Portfolios, Investment Divisions and Asset Allocation Models available with IPR 4.0 (10-year Holding Period option) and IPR 5.0 (7-year Holding Period option; 10–year Holding Period option for policies with an application signed on or before April 30, 2025)***

***Option 1 – Franklin Templeton Model Portfolios*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderate</u>** | **<u>Moderate</u>** | **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** |
| 100% | Franklin Templeton Moderate Model Portfolio | 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>|

---

***Option 2 – Choose Your Own Investment Divisions*** 

---

| | | |
|:---|:---|:---|
| **<u>Category A:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 40<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| **<u>Subcategory I Funds (Maximum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 10% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Bond<br> NYLIM VP MacKay U.S. Infrastructure Bond<br> NYLIM VP PIMCO Real Return<br> NYLIM VP U.S. Government Money Market<br> American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup><br> American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup><br> American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup><br> Columbia Variable Portfolio — Intermediate Bond Fund<br> Fidelity<sup>®</sup> VIP Bond Index Portfolio<br> Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio<br>|  | &nbsp;&nbsp; Lord Abbett Series Fund, Inc. — Short Duration Income Port<br> PIMCO VIT Income Portfolio<br> PIMCO VIT International Bond Port (U.S. Dollar-Hedged)<br> PIMCO VIT Low Duration Portfolio<br> PIMCO VIT Short-Term Portfolio<br> PIMCO VIT Total Return Portfolio<br> Voya Intermediate Bond Portfolio<br> Western Asset Core Plus VIT Portfolio<br>|
| **<u>Subcategory II Funds</u>** |  |  |
| NYLIM VP Floating Rate<br> NYLIM VP MacKay High Yield Corporate Bond <br> NYLIM VP MacKay Strategic Bond<br>|  | &nbsp;&nbsp; BlackRock<sup>®</sup> High Yield V.I. Fund<br> Columbia Variable Portfolio — Emerging Markets Bond<br>|
| **<u>Category</u>*<u>B:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 60<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity<br> NYLIM VP Epoch U.S. Equity Yield<br> NYLIM VP Dimensional U.S. Equity<br> NYLIM VP Hedge Multi-Strategy<br> NYLIM VP MacKay Convertible<br> NYLIM VP MFS<sup>®</sup> Investors Trust<br> NYLIM VP MFS<sup>®</sup> Research<br> NYLIM VP S&P 500 Index<br> NYLIM VP Winslow Large Cap Growth<br> AB VPS Relative Value Portfolio<br>|  | &nbsp;&nbsp; American Funds<sup>®</sup> IS Growth Fund<br> American Funds<sup>®</sup> IS Growth-Income Fund<br> American Funds<sup>®</sup> IS Washington Mutual Investors Fund<br> BNY Mellon Sustainable U.S. Equity Portfolio<br> DWS Alternative Asset Allocation VIP<br> Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio<br> LVIP ClearBridge Appreciation Fund<br> Voya Growth and Income Portfolio<br>|
| **<u>Category</u>*<u>C:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 25<br> %<br>|  |

---

Appendix 1D-1

------

---

| | |
|:---|:---|
| **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br>| &nbsp;&nbsp; Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br>|
| **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** | **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** |
| NYLIM VP PineStone International Equity<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio<br>| &nbsp;&nbsp; Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund<br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Putnam VT International Value Fund<br>|
| **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** | **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** |
| NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br>| &nbsp;&nbsp; Columbia Variable Portfolio — Commodity Strategy<br> Fidelity<sup>®</sup> VIP Health Care Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Principal VC Real Estate Securities Account<br>|

---

***Option 3 – Asset Allocation Funds:*** 

---

| | |
|:---|:---|
| **<u>Category D:</u>** |  |
| Minimum Allocation  | &nbsp;&nbsp; 100<br> %<br>|
| **<u>Category D Asset Allocation Funds</u>** |  |
| NYLIM VP Balanced<br> NYLIM VP Conservative Allocation<br> NYLIM VP Income Builder<br> NYLIM VP Janus Henderson Balanced<br> NYLIM VP Moderate Allocation<br> BlackRock<sup>®</sup> Global Allocation V.I. Fund<br> Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio <br> Franklin Templeton Moderate Model Portfolio<br> Franklin Templeton Moderately Conservative Model Portfolio<br> Franklin Templeton Conservative Model Portfolio<br>|  |

---

***Option 4 – Asset Allocation Models (subject to availability; not available with IPR 5.0)*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderate</u>** | **<u>Moderate</u>** | **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** |
| 10%  | NYLIM VP S&P 500 Index | 10% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 10% | PIMCO VIT Total Return Portfolio |
| 8% | NYLIM VP Bond | 10% | DWS Alternative Asset Allocation VIP |
| 7%  | PIMCO VIT Total Return Portfolio | 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7%  | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 8% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 7%  | NYLIM VP MacKay High Yield Corporate Bond | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 6%  | NYLIM VP MacKay U.S. Infrastructure Bond | 6% | NYLIM VP PIMCO Real Return |
| 5%  | NYLIM VP PIMCO Real Return | 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |

---

Appendix 1D-2

------

---

| | | | |
|:---|:---|:---|:---|
| 5%  | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5%  | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP S&P 500 Index |
| 5%  | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5%  | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | NYLIM VP Schroders Mid Cap Opportunities  | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5%  | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5%  | MFS<sup>®</sup> International Intrinsic Equity Portfolio |  |  |
| **<u>Conservative</u>** | **<u>Conservative</u>** |  |  |
| 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |  |  |
| 12% | NYLIM VP Bond |  |  |
| 11% | PIMCO VIT Total Return Portfolio |  |  |
| 10% | NYLIM VP MacKay U.S. Infrastructure Bond |  |  |
| 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |  |  |
| 10% | DWS Alternative Asset Allocation VIP |  |  |
| 7% | NYLIM VP PIMCO Real Return |  |  |
| 7% | NYLIM VP MacKay High Yield Corporate Bond |  |  |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond |  |  |
| 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |  |  |
| 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 3% | NYLIM VP MFS<sup>®</sup> Research |  |  |
| 3% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

---

Appendix 1D-3

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This Summary Prospectus incorporates by reference the New York Life Premier Variable Annuity II full statutory prospectus and the Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The full statutory prospectus and the SAI are posted on our website, https://dfinview.com/NewYorkLife/TAHD/premier-ii. The full prospectus and SAI for the policy may be obtained, free of charge, in any manner shown on the front page of this Summary Prospectus.

Reports and other information about the Separate Accounts are available on the SEC's website at https://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. <br>

Separate Account III EDGAR contract identifier #C000154613 <br>

<br>Separate Account IV EDGAR contract identifier #C000154615

------

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

**May 1, 2026**

**New York Life Premier Plus Variable Annuity**

**From** <br>**NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION** <br>**Issued through**

**NYLIAC Variable Annuity Separate Account-III** <br> **NYLIAC Variable Annuity Separate Account-IV**

This summary prospectus summarizes key features of the New York Life Premier Plus Variable Annuity policies.

Before you invest, you should review the prospectus for the New York Life Premier Plus Variable Annuity policies, which contains more information about the policy's features, benefits, and risks. You can find this document and other information about the policy online at https://dfinview.com/NewYorkLife/TAHD/premierplus. You can also obtain this information at no cost by calling our Variable Products Service Center at 1-800-598-2019, by logging into your account at www.newyorklife.com, or by sending an email request with your name and mailing address to PremierPlusProspectus@newyorklife.com.

You can sign up for electronic delivery of your summary prospectus, updates to the summary prospectus or other communications by logging into your account at www.newyorklife.com or the New York Life Mobile Application ("mobile application" or "mobile app") which is available for download on the Apple App Store and Google Play Store.

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov. **The Securities and Exchange Commission ("SEC") has not approved or disapproved of this security or passed upon the accuracy or adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.** The policies involve risks, including potential loss of principal invested. Policies are not deposits of, or guaranteed or endorsed by, any bank and are not federally insured by the FDIC, Federal Reserve Board, or any other agency.

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**Table of Contents** 

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| | |
|:---|:---|
|  | **Page** |
| **[Contacting NYLIAC](#xx_edcee824-cd49-46ee-b1df-535b90245587_1)** | &nbsp;&nbsp; 1<br>|
| **[Definitions](#xx_7314ece0-07a2-41f3-a1b3-8d64e48080b0_1)** | &nbsp;&nbsp; 2<br>|
| **[Updated Information About Your Policy](#xx_7d3305db-649e-4615-958c-61b07a7c8087_1)** | &nbsp;&nbsp; 4<br>|
| **[Important Information You Should Consider About The Policy](#xx_07084d95-5623-4e18-9bbf-7e120bc20928_1)** | &nbsp;&nbsp; 5<br>|
| **[Appendix A](#xx_88f8bb63-da1b-40b3-b043-bc90ef4f1e20_1)** | &nbsp;&nbsp; 9<br>|
| **[Appendix B](#xx_c4198bc2-f92a-4a82-b496-b49aa897bf14_1)** | &nbsp;&nbsp; 20<br>|
| **[Appendix C](#xx_6e321c4c-00a0-4382-b8ec-59900e935602_1)** | &nbsp;&nbsp; 21<br>|

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i

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**Contacting NYLIAC**

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Certain service requests, including but not limited to, death benefit claims and surrenders, are required to be in writing. All written service requests (except for subsequent premium payments and loan repayments) must be sent to the NYLIAC Variable Products Service Center (VPSC) at one of the following addresses:

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **All written service** <br> **requests (except for** <br> **payments)**<br>| NYLIAC Variable Products Service Center<br> Madison Square Station<br> P.O. Box 922<br> New York, NY 10159<br>| &nbsp;&nbsp; NYLIAC Variable Products Service Center<br> 51 Madison Avenue<br> Floor 3B, Room 0304<br> New York, NY 10010<br>|
| **Death Claim forms may** <br> **also be submitted to** | **Regular Mail** |  |
| **Death Claim forms may** <br> **also be submitted to** | New York Life<br> P.O. Box 130539<br> Dallas, TX 75313–0539<br>|  |

---

Premium payments and loan repayments should be sent to the VPSC at one of the following addresses **(acceptance of subsequent premium payments is subject to the sales standards we use to evaluate whether a recommended transaction related to your policy complies with applicable standards of conduct):** 

---

| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **Premium Payments and** <br> **Loan Repayments**<br>| NYLIAC<br> 75 Remittance Drive<br> Suite 3021<br> Chicago, IL 60675–3021<br>| &nbsp;&nbsp; NYLIAC<br> 5450 N Cumberland Avenue<br> Suite 100<br> Chicago, IL 60656-1422<br>|

---

Written service requests will be effective as of the Business Day they are received in Good Order at our service center at one of the addresses listed above. We consider a transaction to be in "Good Order" if it complies with our administrative procedures and all relevant laws and regulations, and the required information is complete and correct. Good Order means the actual receipt by us of instructions relating to the requested transaction in writing (or, if permitted, by telephone or electronically), along with all forms and other information or documentation necessary to complete the request. Faxed and e-mailed requests are not currently accepted.

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**Definitions**

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**Accumulation Unit—**An accounting unit we use to calculate the Variable Accumulation Value prior to the Annuity Commencement Date. Each Investment Division of the Separate Account has a distinct variable Accumulation Unit value.

**Accumulation Value—**The sum of the Variable Accumulation Value, the Fixed Account Accumulation Value (if applicable), and the DCA Advantage Account Accumulation Value of a policy.

**Adjusted Premium Payment—**The total dollar amount of premium payments made under the policy and allocated to the Investment Divisions and DCA Advantage Account reduced by any withdrawals and applicable surrender charges in excess of any gain in the policy.

**Allocation Options—**The Investment Divisions of the Separate Account, any available Asset Allocation Model and the Fixed Account.

**Annuity Commencement Date—**The date on which we are to make the first Income Payment under the policy, which cannot be later than date you attain age 85.

**Base Contract Charge—**Mortality and Expense Risk and Administrative Costs Charge (M&E Charge).

**Business Day—**Generally, any day on which the New York Stock Exchange (NYSE) is open for trading. Our Business Day ends at 4:00 p.m. Eastern Time or the close of regular trading of the NYSE, if earlier.

**Code—**The Internal Revenue Code of 1986, as amended.

**Dollar Cost Averaging (DCA) Advantage Account Accumulation Value—**The sum of premium payments, Premium Credits and Breakpoint Credits allocated to the DCA Advantage Account, plus interest credited on those premium payments, Premium Credits and Breakpoint Credits, less any transfers and partial withdrawals from the DCA Advantage Account, and less any surrender charges and policy service charges that may already have been deducted from the DCA Advantage Account. The DCA Advantage Account Accumulation Value will never be less than the DCA Advantage Account portion of the Nonforfeiture Value.

**Dollar Cost Averaging (DCA) Advantage Account—**A non-variable Allocation Option to which you may allocate Premium Payments, subject to the limitations described on the Policy Data Page, and from which accounts are transferred to the Investment Divisions proportionally on a monthly basis. The DCA Advantage Account duration is shown on the Policy Data Page. We credit the DCA Advantage Account with a fixed interest rate. The benefits payable under the DCA Advantage Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account—**An account that is credited with a fixed interest rate which NYLIAC declares and is not part of the Separate Account. The benefits payable under the Fixed Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account Accumulation Value—**The sum of premium payments, any Premium Credits and, if allowable, transfers allocated to the Fixed Account, plus interest credited on those premium payments, any Premium Credits and, if allowable, transfers, less any transfers and partial withdrawals from the Fixed Account, and less any surrender charges, policy service charges and rider charges assessed on and deducted from the Fixed Account.

**Fund—**A mutual fund that has multiple series or Portfolios.

**Investment Division—**The variable investment options available under the policy. Each Investment Division invests exclusively in shares of a specified Portfolio.

**NYLIAC, we, our or us—**New York Life Insurance and Annuity Corporation.

**Owner (you, your)—**The individual(s) or entity(ies) designated as the Owner in the policy or as subsequently changed, who is entitled to exercise all rights under the policy.

**Payment Year(s)—**With respect to any premium payment, the year(s) beginning on the date such premium payment is made to the policy.

**Policy Anniversary—**An anniversary of the Policy Date shown on the Policy Data Page.

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**Policy Data Page—**Page 2 of the policy which contains the policy specifications.

**Policy Year—**A year starting on the Policy Date. Subsequent Policy Years begin on each Policy Anniversary, unless otherwise indicated.

**Portfolios—**The mutual fund portfolios in which the corresponding Investment Divisions invest.

**Premium Credit—**An additional credit we will apply to your Accumulation Value at the time you make premium payments. The Premium Credit is calculated as a percentage of (each) premium payment(s) and will never be less than the guaranteed minimum premium credit rate displayed on the Policy Data Page (the "Premium Credit Rate").

**Separate Account—**NYLIAC Variable Annuity Separate Account–III and NYLIAC Variable Annuity Separate Account–IV, a segregated asset account we established to receive and invest premium payments paid under the policies. The Separate Account's Investment Divisions, in turn, purchase shares of Portfolios.

**Surrender Charge Free Amount—**You may withdraw a certain amount from your policy each Policy Year without having to pay a surrender charge on that amount. We call this the Surrender Charge Free Amount. We will not assess a surrender charge on amounts you withdraw in any Policy Year that are the greatest of either: (i) 10% of your Accumulation Value as of the last Policy Anniversary (10% of your premium payment if the withdrawal is made in the first Policy Year), less any prior surrender charge free withdrawals during the Policy Year; (ii)10% of your Accumulation Value at the time of withdrawal, less any prior surrender charge free withdrawals you have already taken in that Policy Year; or (iii) your Accumulation Value less your accumulated premium payments.

**Variable Accumulation Value—**The sum of the current Accumulation Unit value(s) for each of the Investment Divisions multiplied by the number of Accumulation Units held in the respective Investment Division.

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**Updated Information About Your Policy**

------

---

| | |
|:---|:---|
| **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** | **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** |
| **Name Change of Trust and** <br> **Portfolios**<br>| The name of the New York Life Investments VP Funds Trust has changed to NYLIM <br> VP Funds Trust. All references to NYLI in the Portfolio names are deleted and <br> replaced with NYLIM.<br>|
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | American Funds<sup>®</sup> IS Growth-Income Fund — Class 4 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Columbia Variable Portfolio — Small Company Growth Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio — Service Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Franklin Gold and Precious Metals VIP Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Goldman Sachs VIT International Equity Insights Fund — Service Class |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Lord Abbett Series Fund, Inc. — Short Duration Income Portfolio — Class VC |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Voya Intermediate Bond Portfolio — Class S |
| **The names of the** <br> **following Portfolios have** <br> **been changed** | NYLIM VP American Century Large Cap Equity (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> (formerly American Funds<sup>®</sup> IS Global <br> Small Capitalization Fund) — Class 4<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Columbia Variable Portfolio — Small Cap Value Discovery Fund (formerly Columbia <br> Variable Portfolio — Small Cap Value Fund) — Class 2<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | LVIP ClearBridge Appreciation Fund (formerly ClearBridge Variable Appreciation <br> Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | MFS<sup>®</sup> International Intrinsic Equity Portfolio (formerly MFS<sup>®</sup> International Intrinsic <br> Value Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Nomura VIP Small Cap Value Series (formerly Macquarie VIP Small Cap Value <br> Series) — Service Class<br>|
| **The following advisers** <br> **were changed** | References to Delaware Management Company, a series of Macquarie Investment <br> Management Business Trust, the adviser to the prior Macquarie VIP Small Cap Value <br> Series — Service Class were deleted and replaced with Delaware Management <br> Company, a series of Nomura Investment Management Business Trust<br>|
| **The following advisers** <br> **were changed** | References to Franklin Templeton Fund Adviser, LLC, the advisor to the prior <br> ClearBridge Variable Appreciation Portfolio — Class II were deleted and replaced <br> with Lincoln Financial Investments Corporation.<br>|
| **The following subadviser** <br> **was deleted**<br>| References to Macquarie Investment Management Global Limited, the subadviser to <br> the prior Macquarie VIP Small Cap Value Series — Service Class were deleted<br>|
| **Closure of Portfolio to** <br> **New Investments**<br>| On May 1, 2026, Western Asset Core Plus VIT Portfolio — Class II was closed to all <br> policyowners except those policyowners who already had Accumulation Value <br> invested as of the closure date.<br>|
| **Policy Application and** <br> **Premium Payments**<br>| The maximum aggregate amount of premium payments accepted without prior <br> NYLIAC approval has been changed from $1,000,000 to $2,000,000.<br>|
| **Portfolio Performance and** <br> **Expenses**<br>| For updated Portfolio performance and expense information, see Appendix A for the <br> Portfolios Available Under the Policy.<br>|

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**Important Information You Should Consider About The Policy**

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There** <br> **Charges for Early** <br> **Withdrawals?**<br>| **Yes.** If you withdraw more than the Surrender Charge Free Amount <br> within 8 years following your last premium payment, you will be <br> assessed a surrender charge. The maximum surrender charge is 8% of <br> the amount withdrawn during the first two Payment Years declining to <br> 0% over that eight-year period. For example, if you make an early <br> withdrawal within the first two Payment Years, you could pay a <br> surrender charge of up to $8,000 on a $100,000 investment. The <br> withdrawal amount could be reduced by taxes or tax penalties.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses –** <br> **Surrender Charges**<br>**FEE TABLE**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| **Yes.** In addition to surrender charges, we reserve the right to assess a <br> transaction charge if you transfer cash value between investment <br> options more than 12 times a year, or if a premium payment is returned <br> for insufficient funds. A loan processing fee may apply if you take a <br> policy loan. Although we do not currently charge for such transactions, <br> we reserve the right to charge up to $30 per transaction.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses**<br>**FEE TABLE**<br>|
| **Are There** <br> **Ongoing Fees** <br> **and Expenses?**<br>| **Yes.** The table below describes the fees and expenses that you may <br> pay *each year*, depending on the investment options and optional <br> benefits you choose. Please refer to your Policy Data Page for <br> information about the specific fees you will pay each year based on the <br> options you have elected.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses; Annual** <br> **Portfolio Expenses;** <br> **Optional Benefit** <br> **Expenses**<br>**FEE TABLE**<br>|

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|:---|:---|:---|:---|
| **ANNUAL FEE** | **MINIMUM** | **MAXIMUM** |  |
| Base contract<sup>1</sup> <br>| 1.65% | 1.75% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses**<br>|
| Portfolio fees and expenses<sup>2</sup> <br>| 0.37% | 1.45% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Portfolio** <br> **Expenses**<br>|
| Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<sup>3</sup> <br>| 0.30% | 0.85% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Optional Benefit** <br> **Expenses**<br>|

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| <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract <br> Charge), plus a percentage attributable to the Annual Policy Service <br> Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> As a percentage of the guarantee under the optional benefit. | <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract <br> Charge), plus a percentage attributable to the Annual Policy Service <br> Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> As a percentage of the guarantee under the optional benefit. |
| Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.** | Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.** |
| **LOWEST ANNUAL COST:**<br>$1,845.93 | **HIGHEST ANNUAL COST**<br>$3,744.05 |
| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Base Contract Charges and <br> Portfolio fees and expenses<br>•No optional benefits<br> •No sales charges <br> •No additional purchase <br> payments, transfers or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Base Contract Charges, <br> optional benefits, and Portfolio <br> fees and expenses<br>•No sales charges <br> •No additional purchase <br> payments, transfers or <br> withdrawals |

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|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| **Yes**. You can lose money by investing in this policy. | **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
| **Is This a** <br> **Short-Term**<br> **Investment?**<br>| **No**. This policy is not designed for short-term investing and is not <br> appropriate for an investor who readily needs access to cash. <br> Surrender charges apply for up to 8 years following your last premium <br> payment. They will reduce the value of your policy if you withdraw <br> money during that time. Withdrawals may also be subject to federal and <br> state income taxes and tax penalties. The benefits of tax deferral and <br> living benefit protections also mean the policy is more beneficial to <br> investors with a long time horizon. If you purchased the IPP, IPP II, <br> GIPR or GIPR 2.0, you will not receive a benefit under the rider unless <br> you hold the policy for at least the specified holding period applicable to <br> the rider.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|

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| **What Are the** <br> **Risks Associated**<br> **with the** <br> **Investment**<br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> variable investment options (e.g., Portfolios) and guaranteed options <br> (e.g., the Fixed Account and DCA Advantage Account) you choose.<br>•Each investment option, including the Fixed Account and DCA <br> Advantage Account, has its own unique risks.<br>•You should review the prospectuses for the available Portfolios and <br> the description in this prospectus of the Fixed Account and the DCA <br> Advantage Account before making an investment decision.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY** <br>|
| **What Are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?**<br>| An investment in the policy is subject to the risks related to NYLIAC, <br> including that any obligations, guarantees, and benefits of the policy <br> are subject to the claims-paying ability of NYLIAC. If NYLIAC <br> experiences financial distress, it may not be able to meet its obligations <br> to you. More information about NYLIAC is available upon request from <br> NYLIAC by calling the VPSC at 1-800-598-2019.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
|  | **RESTRICTIONS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There Limits** <br> **on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.** <br> •We limit the number of Investment Divisions you may choose. You <br> may allocate premium payments and Accumulation Value to up to 18 <br> separate Investment Divisions, plus the Fixed Account and DCA <br> Advantage Account, some of which may not be available under your <br> policy.<br>•We reserve the right to charge $30 for each transfer when you <br> transfer money between Investment Divisions in excess of 12 times in <br> a Policy Year.<br>•Additional restrictions apply with respect to transfers to and from the <br> Fixed Account and DCA Advantage Account.<br>•We reserve the right to limit transfers in circumstances of frequent <br> transfers or to prevent market timing.<br>•We reserve the right to remove, close, or substitute Portfolios as <br> investment options that are available under the policy.<br>•Premium Credits under the policy may be recaptured upon free look, <br> annuitization, and death.<br>| **THE** <br> **POLICIES—Policy** <br> **Application and** <br> **Premium Payments,** <br> **Transfers, and** <br> **Limits on Transfers**<br>**NYLIAC AND THE** <br> **SEPARATE** <br> **ACCOUNTS—**<br> **Additions,** <br> **Deletions, or** <br> **Substitutions of** <br> **Investments**<br>|
| **Are There** <br> **Restrictions on** <br> **Policy Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.** <br> •Certain optional benefits limit or restrict the investment options you <br> may select under the policy. We may change these restrictions in the <br> future.<br>•Certain optional benefits may limit withdrawals or other rights under <br> the policy.<br>•Under certain benefits, a withdrawal could reduce the value of a <br> benefit by more than the dollar amount of the withdrawal and/or could <br> terminate the benefit.<br>•You are required to have a minimum Accumulation Value for some <br> optional benefits.<br>•We may modify or discontinue an optional benefit at any time.<br> •Some optional benefits cannot be cancelled without surrendering <br> your policy. <br>| **DESCRIPTION OF** <br> **BENEFITS** <br>|

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|:---|:---|:---|
|  | **TAXES** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What are the** <br> **Policy's Tax**<br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •Consult with a tax professional to determine the tax implications of <br> an investment in, withdrawals from and surrenders of this policy.<br>•If you purchase the policy through a tax-qualified plan or individual <br> retirement account (IRA), such plan or IRA already provides tax <br> deferral under the Code and there are fees and charges in an annuity <br> that may not be included in such other investments. Therefore, the <br> tax deferral of the policy does not provide additional benefits.<br>•Premiums that are made on a pre-tax basis as well as earnings on <br> your policy are taxed at ordinary income tax rates when you withdraw <br> them, and you may have to pay a 10% penalty tax if you take a <br> withdrawal before age 59½.<br>| **FEDERAL TAX** <br> **MATTERS**<br>|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **How are** <br> **Investment**<br> **Professionals**<br> **Compensated?**<br>| Your registered representative may receive compensation for selling <br> this policy to you, in the form of commissions, asset-based <br> compensation, allowances for expenses, and other compensation <br> programs. Your registered representative may have a financial incentive <br> to offer or recommend this policy over another investment.<br>| **DISTRIBUTION AND** <br> **COMPENSATION** <br> **ARRANGEMENTS**<br>|
| **Should I** <br> **Exchange My** <br> **Policy?**<br>| Your registered representative may have a financial incentive to offer <br> you a new policy in place of the one you own. You should consider <br> exchanging your policy if you determine, after comparing the features, <br> fees, risks of both policies, and any fees or penalties to terminate the <br> existing policy, that it is in your best interest to purchase the new policy <br> rather than continue to own your existing policy.<br>| **THE POLICIES –** <br> **Tax-Free** <br> **Section 1035** <br> **Exchanges;**<br> **Selecting the** <br> **Variable Annuity** <br> **That's Right for You**<br>|

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**Appendix A**

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***Investment Options Available Under the Policy***

The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premierplus. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierPlusProspectus@newyorklife.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

If you purchased an investment protection rider, you may not be able to invest in certain Portfolios. If you have purchased the Investment Protection Plan (IPP) after February 15, 2010 or Investment Protection Plan II (IPP II), your available allocation options are listed in APPENDIX B below. If you have purchased the Guaranteed Investment Protection Rider (GIPR) or Guaranteed Investment Protection Rider 2.0 (GIPR 2.0), your available allocation options are listed in APPENDIX C below.

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|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | NYLIM VP American Century Large Cap Equity <br> (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC ("New York Life Investments") /*<br> *Subadviser: American Century Investment* <br> *Management, Inc.*<br>| 0.93% | 11.06% | 13.68% | 11.58% |
| Asset Allocation | NYLIM VP Balanced (formerly NYLI VP <br> Balanced) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: NYL Investors LLC ("NYL* <br> *Investors") and Wellington Management* <br> *Company LLP ("Wellington")*<br>| 0.97% | 11.16% | 7.14% | 7.04% |
| Investment<br> Grade Bond<br>| NYLIM VP Bond (formerly NYLI VP Bond) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.80% | 6.57% | (0.88)% | 1.71% |
| International/Global<br> Equity<br>| NYLIM VP Candriam Emerging Markets Equity <br> (formerly NYLI VP Candriam Emerging Markets <br> Equity) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Candriam* <br>| 1.45% | 35.54% | 2.52% | 7.39% |

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|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Sector | NYLIM VP CBRE Global Infrastructure (formerly <br> VP CBRE Global Infrastructure) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: CBRE Investment Management* <br> *Listed Real Assets LLC*<br>| 1.20% | 15.31% | 6.79% | 2.39% |
| Asset Allocation | NYLIM VP Conservative Allocation (formerly <br> NYLI VP Conservative Allocation) — Service <br> Class<br>*Adviser: New York Life Investments*<br>| 0.80% | 9.29% | 3.67% | 5.14% |
| Large Cap Equity | NYLIM VP Dimensional U.S. Equity (formerly <br> NYLI VP Dimensional U.S. Equity) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Dimensional Fund Advisors LP*<br>| 0.79% | 13.46% | 12.11% | 12.40% |
| Large Cap Equity | NYLIM VP Epoch U.S. Equity Yield (formerly <br> NYLI VP Epoch U.S. Equity Yield) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Epoch Investment Partners, Inc.* <br> *("Epoch")*<br>| 0.93% | 13.96% | 11.74% | 9.69% |
| Asset Allocation | NYLIM VP Equity Allocation (formerly NYLI VP <br> Equity Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.94% | 13.69% | 7.90% | 9.07% |
| Sector | NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities <br> (formerly NYLI VP Fidelity Institutional AM<sup>®</sup> <br> Utilities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: FIAM LLC ("FIAM")*<br>| 0.93% | 13.50% | 12.06% | 10.69% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP Floating Rate (formerly NYLI VP <br> Floating Rate) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.89% | 4.86% | 5.16% | 4.74% |
| Asset Allocation | NYIM VP Growth Allocation (formerly NYLI VP <br> Growth Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.89% | 12.24% | 7.06% | 8.05% |
| Alternatives | NYLIM VP Hedge Multi-Strategy (formerly NYLI <br> VP Hedge Multi-Strategy) — Service Class<br>*Adviser: New York Life Investments*<br>| 1.26% | 7.78% | 2.67% | 1.81% |

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|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Income Builder (formerly NYLI VP <br> Income Builder) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Epoch and MacKay Shields LLC* <br> *("MacKay")*<br>| 0.88% | 16.70% | 6.29% | 7.13% |
| Asset Allocation | NYLIM VP Janus Henderson Balanced (formerly <br> NYLI VP Janus Henderson Balanced) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Janus Henderson Investors US LLC* <br> *("Janus Henderson")*<br>| 0.83% | 14.76% | 8.30% | 9.91% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Convertible (formerly NYLI <br> VP MacKay Convertible) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 16.11% | 5.34% | 10.10% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay High Yield Corporate Bond <br> (formerly NYLI VP MacKay High Yield Corporate <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 6.60% | 4.18% | 5.87% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Strategic Bond (formerly <br> NYLI VP MacKay Strategic Bond) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.90% | 8.60% | 3.73% | 4.14% |
| Investment<br> Grade Bond<br>| NYLIM VP MacKay U.S. Infrastructure Bond <br> (formerly NYLI VP MacKay U.S. Infrastructure <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.82% | 8.17% | (0.15)% | 1.13% |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Investors Trust (formerly VP <br> MFS<sup>®</sup> Investors Trust) – Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC* <br> *Subadviser: Massachusetts Financial Services* <br> *Company ("MFS")*<br>| 1.00% | N/A | N/A | N/A |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Research (formerly VP MFS<sup>®</sup> <br> Research) – Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MFS*<br>| 1.01% | N/A | N/A | N/A |

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|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Moderate Allocation (formerly NYLI <br> VP Moderate Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.83% | 11.02% | 5.36% | 6.61% |
| Sector | NYLIM VP Natural Resources (formerly NYLI VP <br> Natural Resources) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Newton Investment Management* <br> *North America, LLC ("NIMNA")*<br>| 0.85% | 15.20% | 17.27% | 10.88% |
| Sector | NYLIM VP Newton Technology Growth (formerly <br> NYLI VP Newton Technology Growth) – Initial <br> Class<br>*Adviser: New York Life Investments*<br> *Subadviser: NIMNA*<br>| 1.03% | N/A | N/A | N/A |
| Investment<br> Grade Bond<br>| NYLIM VP PIMCO Real Return (formerly NYLI <br> VP PIMCO Real Return) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Pacific Investment Management* <br> *Company LLC ("PIMCO")*<br>| 1.34% | 7.89% | 1.11% | 3.03% |
| International/Global<br> Equity<br>| NYLIM VP PineStone International Equity <br> (formerly NYLI VP PineStone International <br> Equity) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: PineStone Asset Management Inc.*<br>| 1.11% | 12.01% | (0.05)% | 5.18% |
| Large Cap Equity | NYLIM VP S&P 500 Index (formerly NYLI VP <br> S&P 500 Index) — Service Class <br>*Adviser: New York Life Investments*<br>| 0.37% | 17.43% | 14.00% | 14.34% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Schroders Mid Cap Opportunities <br> (formerly NYLI VP Schroders Mid Cap <br> Opportunities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Schroder Investment Management* <br> *North America Inc.*<br>| 1.08% | 7.00% | 4.79% | 7.12% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Small Cap Growth (formerly NYLI VP <br> Small Cap Growth) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Brown Advisory, LLC and Segall* <br> *Bryant & Hamill, LLC*<br>| 1.11% | 4.63% | 1.38% | 8.68% |

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|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Money Market | NYLIM VP U.S. Government Money Market <br> (formerly NYLI VP U.S. Government Money <br> Market) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.28% | 4.05% | 3.02% | 1.89% |
| Large Cap Equity | NYLIM VP Wellington Growth (formerly NYLI VP <br> Wellington Growth) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 0.98% | 16.77% | 10.10% | 13.17% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Wellington Small Cap (formerly NYLI <br> VP Wellington Small Cap) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 1.00% | 9.26% | 5.66% | 7.15% |
| Large Cap Equity | NYLIM VP Winslow Large Cap Growth (formerly <br> NYLI VP Winslow Large Cap Growth) — Service <br> Class<br>*Adviser: New York Life Investments* <br> */ Subadviser: Winslow Capital Management,* <br> *LLC*<br>| 1.00% | 14.07% | 12.41% | 15.85% |
| Large Cap Equity | AB VPS Relative Value Portfolio — Class B<br>*Adviser: AllianceBernstein LP*<br>| 0.84% | 10.20% | 11.15% | 10.30% |
| Asset Allocation | American Funds<sup>®</sup> IS Asset Allocation Fund — <br> Class 4<br>*Adviser: Capital Research and Management* <br> *Company*<sup>SM</sup> *("CRMC")*<br>| 0.79% | 15.59% | 8.70% | 9.50% |
| Investment Grade <br> Bond <br>| American Funds<sup>®</sup> IS The Bond Fund of <br> America<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.72% | 6.98% | (0.38)% | 2.11% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> <br> — Class 4<br>*Adviser: CRMC*<br>| 0.98% | 9.03% | (2.76)% | 0.97% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth Fund — Class 4<br>*Adviser: CRMC*<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth-Income Fund — <br> Class 4<br>*Adviser: CRMC*<br>| 0.78% | 17.77% | 13.62% | 13.63% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS New World Fund<sup>®</sup> — Class <br> 4<br>*Adviser: CRMC*<br>| 1.07% | 27.92% | 5.06% | 8.98% |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> <br> (formerly American Funds<sup>®</sup> IS Global Small <br> Capitalization Fund) — Class 4<br>*Adviser: CRMC*<br>| 1.15% | 14.33% | 0.23% | 6.96% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS U.S. Government Securities <br> Fund<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 7.54% | (0.49)% | 1.45% |
| Large Cap Equity | American Funds<sup>®</sup> IS Washington Mutual <br> Investors Fund — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 16.90% | 13.60% | 12.08% |
| Asset Allocation | BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class <br> III<br>*Adviser: BlackRock Advisors, LLC ("BlackRock")* <br> */ Subadvisers: BlackRock (Singapore) Limited* <br> *and BlackRock International Limited*<br>| 1.01% | 19.42% | 5.51% | 7.33% |
| Non-Investment<br> Grade Bond<br>| BlackRock<sup>®</sup> High Yield V.I. Fund — Class III<br>*Adviser: BlackRock / Subadviser: BlackRock* <br> *International Limited*<br>| 0.78% | 9.09% | 4.57% | 6.07% |
| Large Cap Equity | BNY Mellon Sustainable U.S. Equity Portfolio — <br> Service Shares<br>*Adviser: BNY Mellon Investment Adviser, Inc. /* <br> *Subadviser: Newton Investment Management* <br> *Limited*<br>| 0.91% | 15.67% | 11.65% | 13.27% |
| Sector | Columbia Variable Portfolio — Commodity <br> Strategy Fund — Class 2<sup>++</sup> <br>*Adviser: Columbia Management Investment* <br> *Advisers, LLC ("Columbia") / Subadviser:* <br> *Threadneedle International Limited*<br>| 1.00% | 15.30% | 12.44% | 6.46% |
| Non-Investment<br> Grade Bond<br>| Columbia Variable Portfolio — Emerging <br> Markets Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 1.00% | 12.65% | 1.47% | 4.03% |
| Investment Grade <br> Bond<br>| Columbia Variable Portfolio — Intermediate <br> Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 0.77% | 8.84% | (0.68)% | 2.52% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Small/Mid Cap<br> Equity<br>| Columbia Variable Portfolio — Small Cap Value <br> Discovery Fund (formerly Columbia Variable <br> Portfolio — Small Cap Value Fund) — Class 2<br>*Adviser: Columbia* <br>| 1.13% | 14.66% | 12.19% | 11.20% |
| Small/Mid Cap <br> Equity<br>| Columbia Variable Portfolio — Small Company <br> Growth Fund — Class 2<br>*Adviser: Columbia*<br>| 1.12% | 21.69% | 3.32% | 14.89% |
| Alternatives | DWS Alternative Asset Allocation VIP — Class <br> B<br>*Adviser: DWS Investment Management* <br> *Americas Inc. / Subadviser: RREEF America* <br> *LLC*<br>| 1.31% | 10.03% | 4.88% | 4.52% |
| Investment<br> Grade Bond<br>| Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service <br> Class 2<br>*Adviser: Fidelity Management & Research* <br> *Company LLC ("FMR") / Subadvisers: Other* <br> *investment advisers*<br>| 0.39% | 6.76% | (0.81)% | N/A |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 1.12% | 40.79% | 5.62% | 10.66% |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.71% | 18.75% | 12.13% | 11.32% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Extended Market Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode Capital* <br> *Management, LLC ("Geode")*<br>| 0.37% | 12.03% | 7.75% | N/A |
| Asset Allocation | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — <br> Service Class<br>*Adviser: FMR* <br>| 0.63% | 15.71% | 6.67% | 8.19% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.81% | 21.73% | 11.04% | 19.64% |
| Sector | Fidelity<sup>®</sup> VIP Health Care Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.84% | 14.10% | 3.92% | N/A |
| International/Global <br> Equity<br>| Fidelity<sup>®</sup> VIP International Capital Appreciation <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: FIL Investment* <br> *Advisors*<br>| 1.02% | 18.36% | 5.99% | 9.53% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP International Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode*<br>| 0.41% | 32.82% | 7.76% | N/A |
| Investment Grade <br> Bond<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.62% | 6.93% | (0.21)% | 2.45% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio — Service Class <br> 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Sector | Franklin Gold and Precious Metals VIP Fund — <br> Class 2<br>*Adviser: Franklin Advisers, Inc. ("Franklin* <br> *Advisers")*<br>| 0.95% | N/A | N/A | N/A |
| Asset Allocation | Franklin Templeton Aggressive Model <br> Portfolio — Class II<br>*Adviser: Franklin Templeton Fund Adviser, LLC* <br> *("FTFA") / Subadviser: Franklin Advisers*<br>| 0.88% | 17.04% | 10.14% | N/A |
| Asset Allocation | Franklin Templeton Moderately Aggressive <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 15.01% | 7.87% | N/A |
| Asset Allocation | Franklin Templeton Moderate Model Portfolio — <br> Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 13.18% | 6.49% | N/A |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | Franklin Templeton Moderately Conservative <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 11.51% | 4.91% | N/A |
| Asset Allocation | Franklin Templeton Conservative Model <br> Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.85% | 9.04% | 2.65% | N/A |
| International/Global <br> Equity<br>| Goldman Sachs VIT International Equity Insights <br> Fund — Service Class<br>*Adviser: Goldman Sachs Asset Management,* <br> *L.P.*<br>| 1.05% | 5.80% | 5.19% | 4.61% |
| International/Global<br> Equity<br>| Invesco V.I. EQV International Equity Fund — <br> Series II Shares<br>*Adviser: Invesco Advisers, Inc. ("Invesco")*<br>| 1.15% | 16.23% | 3.42% | 5.95% |
| Small/Mid Cap<br> Equity<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> — <br> Series II Shares<br>*Adviser: Invesco* <br>| 1.09% | 8.44% | 8.07% | 10.31% |
| Small/Mid Cap<br> Equity<br>| Janus Henderson Enterprise Portfolio — Service <br> Shares<br>*Adviser: Janus Henderson* <br>| 0.97% | 7.41% | 7.35% | 12.51% |
| International/Global<br> Equity<br>| Janus Henderson Global Research Portfolio — <br> Service Shares<br>*Adviser: Janus Henderson* <br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Investment Grade <br> Bond<br>| Lord Abbett Series Fund, Inc. — Short Duration <br> Income Portfolio — Class VC<br>*Adviser: Lord, Abbett & Co. LLC*<br>| 0.72% | 5.90% | 2.25% | 2.62% |
| Large Cap Equity | LVIP ClearBridge Appreciation Fund (formerly <br> ClearBridge Variable Appreciation Portfolio — <br> Service Class<br>*Adviser: Lincoln Financial Investments* <br> *Corporation / Subadviser: ClearBridge* <br> *Investments, LLC*<br>| 0.95% | 14.19% | 12.44% | 13.05% |
| International Equity | MFS<sup>®</sup> International Intrinsic Equity Portfolio <br> (formerly MFS<sup>®</sup> International Intrinsic Value <br> Portfolio) — Service Class<br>*Adviser: MFS*<br>| 1.14% | 32.96% | 7.02% | 9.68% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Mid Cap<br> Equity<br>| MFS<sup>®</sup> Mid Cap Value Portfolio — Service Class<br>*Adviser: MFS* <br>| 1.04% | 5.75% | 9.90% | 9.69% |
| International/Global<br> Equity<br>| MFS<sup>®</sup> Research International Portfolio — <br> Service Class<br>*Adviser: MFS*<br>| 1.15% | 21.75% | 5.25% | 7.27% |
| Small/Mid Cap<br> Equity<br>| Neuberger Berman AMT Mid Cap Growth <br> Portfolio — Class S<br>*Adviser: Neuberger Berman Investment* <br> *Advisers LLC*<br>| 1.11% | 5.23% | 4.27% | 10.71% |
| Small/Mid Cap <br> Equity<br>| Nomura VIP Small Cap Value Series (formerly <br> Macquarie VIP Small Cap Value Series) — <br> Service Class<br>*Adviser: Delaware Management Company, a* <br> *series of Nomura Investment Management* <br> *Business Trust*<br>| 1.04% | 7.83% | 8.93% | 8.84% |
| Investment<br> Grade Bond<br>| PIMCO VIT Income Portfolio — Advisor Class<br>*Adviser: PIMCO*<br>| 1.02% | 10.08% | 3.31% | N/A |
| Investment<br> Grade Bond<br>| PIMCO VIT International Bond Portfolio (U.S. <br> Dollar-Hedged) — Advisor Class<br>*Adviser: PIMCO*<br>| 1.19% | 3.85% | 0.93% | 2.78% |
| Investment<br> Grade Bond<br>| PIMCO VIT Low Duration Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.76% | 5.42% | 1.47% | 1.69% |
| Investment<br> Grade Bond<br>| PIMCO VIT Short-Term Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.75% | 4.57% | 3.14% | 2.65% |
| Investment<br> Grade Bond<br>| PIMCO VIT Total Return Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.83% | 8.78% | (0.08)% | 2.26% |
| Sector | Principal VC Real Estate Securities Account — <br> Class 2<br>*Adviser: Principal Global Investors, LLC /* <br> *Subadviser: Principal Real Estate Investors, LLC*<br>| 1.03% | 0.92% | 4.61% | 5.67% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| Putnam VT International Value Fund — Class IB<br>*Adviser: Putnam Investment Management, LLC /* <br> *Subadvisers: Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited and* <br> *The Putnam Advisory Company, LLC*<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| Large Cap Equity | Voya Growth and Income Portfolio — Class S<br>*Adviser: Voya Investments, LLC ("Voya") /* <br> *Subadviser: Voya Investment Management Co.* <br> *LLC ("VIM")*<br>| 0.92% | 17.94% | 15.18% | 14.33% |
| Investment Grade <br> Bond<br>| Voya Intermediate Bond Portfolio — Class S<br>*Adviser: Voya / Subadviser: VIM*<br>| 0.80% | 7.46% | (0.09)% | 2.42% |
| Investment<br> Grade Bond<br>| Western Asset Core Plus VIT Portfolio — Class <br> II<sup>+++</sup> <br>*Adviser: FTFA / Subadvisers: Western Asset* <br> *Management Company, LLC; Western Asset* <br> *Management Company Limited; Western Asset* <br> *Management Company Ltd.; and Western Asset* <br> *Management Company Pte. Ltd.*<br>| 0.79% | 7.69% | (1.67)% | 1.85% |

---

\*

Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2025 reflect temporary fee reductions under such an arrangement.

<sup>+</sup>

Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.

<sup>++</sup>

Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.

<sup>+++</sup>

Closed for policyowners who were not invested in the Investment Division on May 1, 2026, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after May 1, 2026. <br>

The following is a list of fixed options currently available under the policy. We may change the features of the fixed options listed below and offer new fixed options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Guaranteed** <br> **Minimum Interest** <br> **Rate**<br>|
| **Fixed Account** | N/A | **0.05%** |
| **DCA Advantage** <br> **Account**<br>| 6 months | **0.05%** |

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**Appendix B**

------

***Allocation Options available with IPP and IPP II***

If you elect either the IPP (after February 15, 2010) or IPP II rider, then you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account. You may not allocate more than 25% of your initial premium payment to the Fixed Account. **The Fixed Account is not available for policies issued in the State of New York. In addition, the Fixed Account is not available in the State of Washington if the IPP or IPP II rider is selected.** The allowable Allocation Options under IPP and IPP II are as follows:

Fixed Account\* <br>NYLIM VP Balanced — Service Class <br>NYLIM VP Bond — Service Class <br>NYLIM VP Conservative Allocation — Service Class <br>NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities — Service Class <br>NYLIM VP Floating Rate — Service Class <br>NYLIM VP Growth Allocation — Service Class <br>NYLIM VP Hedge Multi-Strategy — Service Class <br>NYLIM VP Income Builder — Service Class <br>NYLIM VP Janus Henderson Balanced — Initial Class <br>NYLIM VP Janus Henderson Balanced — Service Class <br>NYLIM VP MacKay Convertible — Service Class <br>NYLIM VP MacKay High Yield Corporate Bond — Service Class <br>NYLIM VP MacKay Strategic Bond — Service Class <br>NYLIM VP MacKay U.S. Infrastructure Bond — Service Class <br>NYLIM VP Moderate Allocation — Service Class <br>NYLIM VP PIMCO Real Return — Service Class <br>NYLIM VP U.S. Government Money Market — Initial Class <br>American Funds<sup>®</sup> IS Asset Allocation Fund — Class 4 <br>American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> — Class 4 <br>American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> — Class 4 <br>American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> — Class 4 <br>BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class III <br>BlackRock<sup>®</sup> High Yield V.I. Fund — Class III <br>Columbia Variable Portfolio — Emerging Markets Bond Fund — Class 2 <br>Columbia Variable Portfolio — Intermediate Bond Fund — Class 2 <br>DWS Alternative Asset Allocation VIP — Class B <br>Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service Class 2 <br>Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — Service Class <br>Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio — Service Class 2 <br>Franklin Templeton Moderately Aggressive Model Portfolio — Class II <br>Franklin Templeton Moderate Model Portfolio — Class II <br>Franklin Templeton Moderately Conservative Model Portfolio — Class II <br>Franklin Templeton Conservative Model Portfolio — Class II <br>Lord Abbett Series Fund, Inc - Short Duration Income Portfolio — Class VC <br>PIMCO VIT Income Portfolio — Advisor Class <br>PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) — Advisor Class <br>PIMCO VIT Low Duration Portfolio — Advisor Class <br>PIMCO VIT Short-Term Portfolio — Advisor Class <br>PIMCO VIT Total Return Portfolio — Advisor Class <br>Voya Intermediate Bond Portfolio — Class S <br>Western Asset Core Plus VIT Portfolio — Class II

\*

You may not allocate more than 25% of your initial premium payment to the Fixed Account. Not available in New York or Washington.

-20

------

**Appendix C**

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***Investment Divisions, Model Portfolios and Asset Allocation Models available with GIPR and GIPR 2.0***

***Option 1 – Choose Your Own Investment Divisions*** 

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| | | |
|:---|:---|:---|
| ***<u>Asset Allocation Categories:</u>*** |  |  |
| **<u>Category A:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| **<u>Category A Funds</u>** |  |  |
| NYLIM VP Bond |  | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| NYLIM VP Floating Rate |  | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio |
| NYLIM VP MacKay High Yield Corporate Bond |  | Lord Abbett Series Fund, Inc. - Short Duration Income Port. |
| NYLIM VP MacKay Strategic Bond |  | PIMCO VIT Income Portfolio |
| NYLIM VP MacKay U.S. Infrastructure Bond |  | PIMCO VIT International Bond Port. (U.S. Dollar-Hedged) |
| NYLIM VP PIMCO Real Return |  | PIMCO VIT Low Duration Portfolio |
| NYLIM VP U.S. Government Money Market |  | PIMCO VIT Short-Term Portfolio |
| American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> |  | PIMCO VIT Total Return Portfolio |
| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> |  | Voya Intermediate Bond Portfolio |
| American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> |  | Western Asset Core Plus VIT Portfolio |
| BlackRock<sup>®</sup> High Yield V.I. Fund |  |  |
| Columbia Variable Portfolio — Emerging Markets Bond |  |  |
| Columbia Variable Portfolio — Intermediate Bond Fund |  |  |
| **<u>Category B:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity |  | American Funds<sup>®</sup> IS Asset Allocation Fund |
| NYLIM VP Balanced |  | American Funds<sup>®</sup> IS Growth Fund |
| NYLIM VP Conservative Allocation |  | American Funds<sup>®</sup> IS Growth-Income Fund |
| NYLIM VP Dimensional U.S. Equity |  | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| NYLIM VP Epoch U.S. Equity Yield |  | BlackRock<sup>®</sup> Global Allocation V.I. Fund |
| NYLIM VP Equity Allocation |  | BNY Mellon Sustainable U.S. Equity Portfolio |
| NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities |  | DWS Alternative Asset Allocation VIP |
| NYLIM VP Growth Allocation |  | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio |
| NYLIM VP Hedge Multi-Strategy |  | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio |
| NYLIM VP Income Builder |  | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio |
| NYLIM VP Janus Henderson Balanced |  | Franklin Templeton Moderately Aggressive Model Portfolio |
| NYLIM VP MacKay Convertible |  | Franklin Templeton Moderate Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Investors Trust |  | Franklin Templeton Moderately Conservative Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Research |  | Franklin Templeton Conservative Model Portfolio |
| NYLIM VP Moderate Allocation |  | LVIP ClearBridge Appreciation Fund |
| NYLIM VP S&P 500 Index |  | Voya Growth and Income Portfolio |
| NYLIM VP Wellington Growth |  |  |
| NYLIM VP Winslow Large Cap Growth |  |  |
| AB VPS Relative Value Portfolio |  |  |
| **<u>Category C:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 10<br> %<br>|  |

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-21

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| | |
|:---|:---|
| **<u>Category C Funds</u>** |  |
| NYLIM VP Candriam Emerging Markets Equity<br> NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br> NYLIM VP PineStone International Equity<br> NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Columbia Variable Portfolio — Commodity Strategy <br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br>| &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Health Care Portfolio<br> Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio<br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund<br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio<br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br> Principal VC Real Estate Securities Account<br> Putnam VT International Value Fund<br>|

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***Option 2 – Franklin Templeton Model Portfolios*** 

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

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***Option 3 – Asset Allocation Models (subject to availability)*** 

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |

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-22

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

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-23

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This Summary Prospectus incorporates by reference the New York Life Premier Plus Variable Annuity full statutory prospectus and the Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The full statutory prospectus and the SAI are posted on our website, https://dfinview.com/NewYorkLife/TAHD/premierplus. The full prospectus and SAI for the policy may be obtained, free of charge, in any manner shown on the front page of this Summary Prospectus.

Reports and other information about the Separate Accounts are available on the SEC's website at https://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. <br>

Separate Account III EDGAR contract identifier #C000074526 <br>

<br>Separate Account IV EDGAR contract identifier #C000074528

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**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

**May 1, 2026**

**New York Life Premier Plus Variable Annuity II**

**From** <br>**NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION** <br>**Issued through**

**NYLIAC Variable Annuity Separate Account-III** <br> **NYLIAC Variable Annuity Separate Account-IV**

This summary prospectus summarizes key features of the New York Life Premier Plus Variable Annuity II policies.

Before you invest, you should review the prospectus for the New York Life Premier Plus Variable Annuity II policies, which contains more information about the policy's features, benefits, and risks. You can find this document and other information about the policy online at https://dfinview.com/NewYorkLife/TAHD/premierplus-ii. You can also obtain this information at no cost by calling our Variable Products Service Center at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierPlusIIProspectus@newyorklife.com.

You can sign up for electronic delivery of your summary prospectus, updates to the summary prospectus or other communications by logging into your account at www.newyorklife.com or the New York Life Mobile Application ("mobile application" or "mobile app") which is available for download on the Apple App Store and Google Play Store. If you sign up for electronic delivery, we will apply a one-time $30 e-delivery credit to your Accumulation Value in accordance with your allocation instructions in the Policy Year in which you register.

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov. **The Securities and Exchange Commission ("SEC") has not approved or disapproved of this security or passed upon the accuracy or adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.** The policies involve risks, including potential loss of principal invested. Policies are not deposits of, or guaranteed or endorsed by, any bank and are not federally insured by the FDIC, Federal Reserve Board, or any other agency.

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**Table of Contents** 

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| | |
|:---|:---|
|  | **Page** |
| **[Contacting NYLIAC](#xx_5f2cebd9-3d05-49da-8f7e-03055eee91ca_1)** | &nbsp;&nbsp; 1<br>|
| **[Definitions](#xx_032d0b55-28a6-4b59-9bae-57341bdd3f19_1)** | &nbsp;&nbsp; 2<br>|
| **[Updated Information About Your Policy](#xx_f656581b-d9c3-4a2b-8c3f-f12671f76be0_1)** | &nbsp;&nbsp; 4<br>|
| **[Important Information You Should Consider About The Policy](#xx_4dd12f5e-7d7e-4bec-b08a-412f70a90067_1)** | &nbsp;&nbsp; 5<br>|
| **[Appendix](#xx_72c7439d-ea07-4d38-bf52-e47915077706_1)[1A](#xx_72c7439d-ea07-4d38-bf52-e47915077706_1)** | &nbsp;&nbsp; 1A<br> -1 <br>|
| **[Appendix](#xx_462ac1ae-f876-4010-97af-d0b53953418d_1)[1B](#xx_462ac1ae-f876-4010-97af-d0b53953418d_1)** | &nbsp;&nbsp; 1B<br> -1 <br>|
| **[Appendix](#xx_c747ba82-5f90-4eb6-911b-bc2cc6c5c872_1)[1C](#xx_c747ba82-5f90-4eb6-911b-bc2cc6c5c872_1)** | &nbsp;&nbsp; 1C<br> -1 <br>|

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i

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**Contacting NYLIAC**

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Certain service requests, including but not limited to, death benefit claims and surrenders, are required to be in writing. All written service requests (except for subsequent premium payments and loan repayments) must be sent to the NYLIAC Variable Products Service Center (VPSC) at one of the following addresses:

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **All written service** <br> **requests (except for** <br> **payments)**<br>| NYLIAC Variable Products Service Center<br> Madison Square Station<br> P.O. Box 922<br> New York, NY 10159<br>| &nbsp;&nbsp; NYLIAC Variable Products Service Center<br> 51 Madison Avenue<br> Floor 3B, Room 0304<br> New York, NY 10010<br>|
| **Death Claim forms may** <br> **also be submitted to** | **Regular Mail** |  |
| **Death Claim forms may** <br> **also be submitted to** | New York Life<br> P.O. Box 130539<br> Dallas, TX 75313–0539<br>|  |

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Premium payments and loan repayments should be sent to the VPSC at one of the following addresses **(acceptance of subsequent premium payments is subject to the sales standards we use to evaluate whether a recommended transaction related to your policy complies with applicable standards of conduct):** 

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| | | |
|:---|:---|:---|
|  | **Regular Mail** | **Express Mail** |
| **Premium Payments and** <br> **Loan Repayments**<br>| NYLIAC<br> 75 Remittance Drive<br> Suite 3021<br> Chicago, IL 60675–3021<br>| &nbsp;&nbsp; NYLIAC<br> 5450 N Cumberland Avenue<br> Suite 100<br> Chicago, IL 60656-1422<br>|

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Written service requests will be effective as of the Business Day they are received in Good Order at our service center at one of the addresses listed above. We consider a transaction to be in "Good Order" if it complies with our administrative procedures and all relevant laws and regulations, and the required information is complete and correct. Good Order means the actual receipt by us of instructions relating to the requested transaction in writing (or, if permitted, by telephone or electronically), along with all forms and other information or documentation necessary to complete the request. Faxed and e-mailed requests are not currently accepted.

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**Definitions**

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**Accumulation Unit—**An accounting unit we use to calculate the Variable Accumulation Value prior to the Annuity Commencement Date. Each Investment Division of the Separate Account has a distinct variable Accumulation Unit value.

**Accumulation Value—**The sum of the Variable Accumulation Value, the Fixed Account Accumulation Value (if applicable), and the DCA Advantage Account Accumulation Value of a policy.

**Business Day—**Generally, any day on which the New York Stock Exchange (NYSE) is open for trading. Our Business Day ends at 4:00 p.m. Eastern Time or the close of regular trading of the NYSE, if earlier. <br>

**Dollar Cost Averaging (DCA) Advantage Account Accumulation Value—**The sum of premium payments and Premium Credits allocated to the DCA Advantage Account, plus interest credited on those premium payments and Premium Credits, less any transfers and partial withdrawals from the DCA Advantage Account, and less any surrender charges, policy service charges and rider charges deducted from the DCA Advantage Account. The DCA Advantage Account Accumulation Value will never be less than the DCA Advantage Account portion of the Nonforfeiture Value.

**Dollar Cost Averaging (DCA) Advantage Account—** A non-variable Allocation Option to which you may allocate Premium Payments, subject to the limitations described on the Policy Data Page, and from which amounts are transferred to the Investment Divisions proportionally on a monthly basis. The DCA Advantage Account duration is shown on the Policy Data Page. We credit the DCA Advantage Account with a fixed interest rate. The benefits payable under the DCA Advantage Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account—**An account that is credited with a fixed interest rate which NYLIAC declares and is not part of the Separate Account. The benefits payable under the Fixed Account (including principal and interest) are payable from NYLIAC's general account and are subject to the claims-paying ability of NYLIAC.

**Fixed Account Accumulation Value—**The sum of premium payments, any Premium Credits and, if allowable, transfers allocated to the Fixed Account, plus interest credited on those premium payments, any Premium Credits and, if allowable, transfers, less any transfers and partial withdrawals from the Fixed Account, and less any surrender charges, policy service charges and rider charges assessed on and deducted from the Fixed Account. The Fixed Account Accumulation Value will never be less than the Fixed Account portion of the Nonforfeiture Value.

**Investment Division—**The variable investment options available under the policy. Each Investment Division invests exclusively in shares of a specified Portfolio.

**NYLIAC, we, our or us—**New York Life Insurance and Annuity Corporation.

**Owner (you, your)—**The individual(s) or entity(ies) designated as the Owner in the policy, or as subsequently changed after issue, who is entitled to exercise all rights under the policy.

**Payment Year(s)—**With respect to any premium payment, the year(s) beginning on the date such premium payment is made to the policy.

**Policy Anniversary—**An anniversary of the Policy Date shown on the Policy Data Page.

**Policy Year—**A year starting on the Policy Date. Subsequent Policy Years begin on each Policy Anniversary, unless otherwise indicated.

**Portfolios —**The mutual fund portfolios in which the corresponding Investment Divisions invest.

**Premium Credit—**An additional credit we will apply to your Accumulation Value at the time you make premium payments. The Premium Credit is calculated as a percentage of (each) premium payment(s) and will never be less than 2 percent (the "Premium Credit Rate").

**Separate Account—**NYLIAC Variable Annuity Separate Account–III or NYLIAC Variable Annuity Separate Account–IV, each a segregated asset account we established to receive and invest premium payments paid under the policies. The Separate Account's Investment Divisions, in turn, purchase shares of Portfolios.

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**Surrender Charge Free Amount—**You may withdraw a certain amount from your policy each Policy Year without having to pay a surrender charge on that amount. We call this the Surrender Charge Free Amount. The maximum amount you may withdraw without a surrender charge in any given Policy Year is the greatest of either (i) 10% of your Accumulation Value as of your last Policy Anniversary (10% of your premium payments if the withdrawal is made in the first Policy Year), less any prior surrender charge free withdrawals you have already taken in that Policy Year; (ii) 10% of your Accumulation Value at the time of the withdrawal, less any prior surrender charge free withdrawals you have already taken in that Policy Year; or (iii) your Accumulation Value less your accumulated premium payments.

**Variable Accumulation Value—**The sum of the current Accumulation Unit value(s) for each of the Investment Divisions multiplied by the number of Accumulation Units held in the respective Investment Division.

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**Updated Information About Your Policy**

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| | |
|:---|:---|
| **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** | **The Information in this Updating Summary Prospectus is a summary of certain policy features that have** <br> **changed since May 1, 2025. This may not reflect all changes that have occurred since you purchased your** <br> **policy.** |
| **Name Change of Trust and** <br> **Portfolios**<br>| The name of the New York Life Investments VP Funds Trust has changed to NYLIM <br> VP Funds Trust. All references to NYLI in the Portfolio names are deleted and <br> replaced with NYLIM.<br>|
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | American Funds<sup>®</sup> IS Growth-Income Fund — Class 4 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Columbia Variable Portfolio — Small Company Growth Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio — Service Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Franklin Gold and Precious Metals VIP Fund — Class 2 |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Goldman Sachs VIT International Equity Insights Fund — Service Class |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Lord Abbett Series Fund, Inc — Short Duration Income Portfolio — Class VC |
| **The following Portfolios** <br> **are added as available** <br> **Investment Divisions** <br> **under the policy** | Voya Intermediate Bond Portfolio — Class S |
| **The names of the** <br> **following Portfolios have** <br> **been changed** | NYLIM VP American Century Large Cap Equity (formerly NYLI American Century <br> Sustainable Equity) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> (formerly American Funds<sup>®</sup> IS Global <br> Small Capitalization Fund) — Class 4<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Columbia Variable Portfolio — Small Cap Value Discovery Fund (formerly Columbia <br> Variable Portfolio — Small Cap Value Fund) — Class 2<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | LVIP ClearBridge Appreciation Fund (formerly ClearBridge Variable Appreciation <br> Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | MFS<sup>®</sup> International Intrinsic Equity Portfolio (formerly MFS<sup>®</sup> International Intrinsic <br> Value Portfolio) — Service Class<br>|
| **The names of the** <br> **following Portfolios have** <br> **been changed** | Nomura VIP Small Cap Value Series (formerly Macquire VIP Small Cap Value Series) <br> — Service Class<br>|
| **The following advisers** <br> **were changed** | References to Delaware Management Company, a series of Macquarie Investment <br> Management Business Trust, the adviser to the prior Macquarie VIP Small Cap Value <br> Series — Service Class were deleted and replaced with Delaware Management <br> Company, a series of Nomura Investment Management Business Trust<br>|
| **The following advisers** <br> **were changed** | References to Franklin Templeton Fund Adviser, LLC, the adviser to the prior <br> ClearBridge Variable Appreciation Portfolio — Class II were deleted and replaced <br> with Lincoln Financial Investments Corporation.<br>|
| **The following subadviser** <br> **was deleted**<br>| References to Macquarie Investment Management Global Limited, the subadviser to <br> the prior Macquarie VIP Small Cap Value Series — Service Class were deleted<br>|
| **Closure of Portfolio to** <br> **New Investments**<br>| On May 1, 2026, Western Asset Core Plus VIT Portfolio — Class II was closed to all <br> policyowners except those policyowners who already had Accumulation Value <br> invested as of the closure date.<br>|
| **Limits on Transfers** | The limits on transfers section has been updated to reflect how we handle standing <br> allocation instructions when a transfer request is not accepted by any one of the <br> Portfolios.<br>|
| **Policy Application and** <br> **Premium Payments**<br>| The maximum aggregate amount of premium payments accepted without prior <br> NYLIAC approval has been changed from $1,000,000 to $2,000,000.<br>|
| **Portfolio Performance and** <br> **Expenses**<br>| For updated Portfolio performance and expense information, see Appendix 1A for the <br> Investment Options Available Under the Policy.<br>|

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**Important Information You Should Consider About The Policy**

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There** <br> **Charges for Early**<br> **Withdrawals?**<br>| **Yes.** In most jurisdictions,\* if you withdraw more than the Surrender <br> Charge Free Amount from your policy within 8 years following your last <br> premium payment, you will be assessed a surrender charge. The <br> maximum surrender charge is 8% of the amount withdrawn during the <br> first two Payment Years, declining to 0% over that eight-year period. For <br> example, if you make an early withdrawal within the first two Payment <br> Years, you could pay a surrender charge of up to $8,000 on a $100,000 <br> investment. The withdrawal amount could be reduced by taxes or tax <br> penalties.<br> \* Policies issued in New York with an application date signed on or after <br> November 13, 2023, are subject to a different surrender charge <br> schedule. For those New York policies, if you withdraw more than the <br> Surrender Charge Free Amount from your policy within the first 7 policy <br> years, you will be assessed a surrender charge. The maximum <br> surrender charge is 8% of the amount withdrawn during the first two <br> Payment Years declining to 0% over that seven-year period.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses** <br> **Surrender Charges**<br>**FEE TABLE**<br>|
| **Are There** <br> **Transaction**<br> **Charges?**<br>| **Yes.** In addition to surrender charges, we reserve the right to assess a <br> transaction charge if you transfer cash value between investment <br> options more than 12 times a year, or if a premium payment is returned <br> for insufficient funds. A loan processing fee may apply if you take a <br> policy loan. Although we do not currently charge for such transactions, <br> we reserve the right to charge up to $30 per transaction. A Rider Risk <br> Charge Adjustment ("Cancellation Charge") may apply if you <br> discontinue the investment preservation rider.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Transaction** <br> **Expenses**<br>**FEE TABLE**<br>|
| **Are There** <br> **Ongoing Fees** <br> **and**<br> **Expenses?**<br>| **Yes.** The table below describes the fees and expenses that you may <br> pay *each year*, depending on the investment options and optional <br> benefits you choose. Please refer to your Policy Data Page for <br> information about the specific fees you will pay each year based on the <br> options you have elected.<br>| **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses; Annual** <br> **Portfolio Expenses;** <br> **Optional Benefit** <br> **Expenses**<br>**FEE TABLE**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | |
|:---|:---|:---|:---|
| **ANNUAL FEE\*** | **MINIMUM** | **MAXIMUM** |  |
| Base contract<sup>1</sup> <br>| 1.30% | 1.60% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Policy** <br> **Expenses**<br>|
| Portfolio fees and expenses<sup>2</sup> <br>| 0.37% | 1.45% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Annual Portfolio** <br> **Expenses**<br>|
| Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<sup>3</sup> <br>| 0.25% | 0.95% | **CHARGES AND** <br> **DEDUCTIONS –** <br> **Optional Benefit** <br> **Expenses**<br>|

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| | |
|:---|:---|
| <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract Charge) <br> plus a percentage attributable to the Annual Policy Service Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> The minimum fee reflects the current charge for the Annual Death <br> Benefit Rider, as an annualized percentage of the amount guaranteed <br> under the rider. The maximum fee reflects the current charge for the <br> Investment Preservation Rider or Investment Preservation Rider 2.0 <br> (12-year holding period), as an annualized percentage of the amount <br> that is guaranteed under the rider. <br> \*Applicable fees may vary depending on purchase date. See FEE <br> TABLE and APPENDIX 4 in the prospectus. | <sup>1</sup> As a percentage of Accumulation Value after the Surrender Charge <br> Period for the initial premium (Minimum Base Contract Charge) and as <br> a percentage of Adjusted Premium Payments during the Surrender <br> Charge Period for the initial premium (Maximum Base Contract Charge) <br> plus a percentage attributable to the Annual Policy Service Charge.<br> <sup>2</sup> As a percentage of average net Portfolio assets. The range in fees <br> and expenses is for the year ended December 31, 2025 and will <br> change from year to year. <br> <sup>3</sup> The minimum fee reflects the current charge for the Annual Death <br> Benefit Rider, as an annualized percentage of the amount guaranteed <br> under the rider. The maximum fee reflects the current charge for the <br> Investment Preservation Rider or Investment Preservation Rider 2.0 <br> (12-year holding period), as an annualized percentage of the amount <br> that is guaranteed under the rider. <br> \*Applicable fees may vary depending on purchase date. See FEE <br> TABLE and APPENDIX 4 in the prospectus. |
| Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.**  | Because your policy is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> policy, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that <br> you do not take withdrawals from the policy, **which could add** <br> **surrender charges that substantially increase costs.**  |
| **LOWEST ANNUAL COST**<br>$1,552.08 | **HIGHEST ANNUAL COST**<br>$3,474.71 |
| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Base Contract Charges and <br> Portfolio fees and expenses<br>•No optional benefits<br> •No sales charges<br> •No additional purchase <br> payments, transfers or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Base Contract Charges, <br> optional benefits, and Portfolio <br> fees and expenses<br>•No sales charges<br> •No additional purchase <br> payments, transfers or <br> withdrawals |

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|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| **Yes**. You can lose money by investing in this policy. | **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|

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|:---|:---|:---|
| **Is this a** <br> **Short-Term**<br> **Investment?**<br>| **No**. This policy is not designed for short-term investing and is not <br> appropriate for an investor who readily needs access to cash. <br> Surrender charges apply for up to 8 years following your last premium <br> payment. They will reduce the value of your policy if you withdraw <br> money during that time. Withdrawals may also be subject to federal and <br> state income taxes and tax penalties. The benefits of tax deferral and <br> living benefit protections also mean the policy is more beneficial to <br> investors with a long time horizon. If you elect an investment <br> preservation rider, you will not receive a benefit under the rider unless <br> you hold the policy for at least the specified Holding Period applicable <br> to the rider.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
| **What are the** <br> **Risks Associated**<br> **with the** <br> **Investment**<br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> variable investment options (e.g., Portfolios) and guaranteed options <br> (e.g., the Fixed Account and DCA Advantage Account) you choose.<br>•Each investment option has its own unique risks.<br> •You should review the prospectuses for the available Portfolios and <br> the description in this prospectus of the Fixed Account and the DCA <br> Advantage Account before making an investment decision.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
| **What are the** <br> **Risks Related to** <br> **the Insurance**<br> **Company?**<br>| An investment in the policy is subject to the risks related to NYLIAC, <br> including that any obligations, guarantees, and benefits of the policy <br> are subject to the claims-paying ability of NYLIAC. If NYLIAC <br> experiences financial distress, it may not be able to meet its obligations <br> to you. More information about NYLIAC is available upon request from <br> NYLIAC by calling the VPSC at 1-800-598-2019.<br>| **PRINCIPAL RISKS** <br> **OF INVESTING IN** <br> **THE POLICY**<br>|
|  | **RESTRICTIONS** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **Are There Limits** <br> **on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •We limit the number of Investment Divisions you may choose. You <br> may allocate premium payments and Accumulation Value to up to 18 <br> separate Investment Divisions, plus the Fixed Account, some of <br> which may not be available under your policy.<br>•We reserve the right to charge $30 for each transfer when you <br> transfer money between Investment Divisions in excess of 12 times in <br> a Policy Year.<br>•Additional restrictions apply with respect to transfers to and from the <br> Fixed Account and the DCA Advantage Account.<br>•We reserve the right to limit transfers in circumstances of frequent <br> transfers or to prevent market timing.<br>•We reserve the right to remove, close, or substitute Portfolios as <br> investment options that are available under the policy.<br>•Premium Credits under the policy may be recaptured upon free look, <br> annuitization, and death.<br>| **THE** <br> **POLICIES—Policy** <br> **Application and** <br> **Premium Payments,** <br> **Transfers, and** <br> **Limits on Transfers**<br>**NYLIAC AND THE** <br> **SEPARATE** <br> **ACCOUNTS—**<br> **Additions,** <br> **Deletions, or** <br> **Substitutions of** <br> **Investments**<br>|

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| | | |
|:---|:---|:---|
| **Are There** <br> **Restrictions on** <br> **Policy Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> **Yes.** <br>•Certain optional benefits limit or restrict the investment options you <br> may select under the policy. We may change these restrictions in the <br> future.<br>•Certain optional benefits may limit withdrawals or other rights under <br> the policy.<br>•Under certain benefits, a withdrawal could reduce the value of a <br> benefit by more than the dollar amount of the withdrawal and/or could <br> terminate the benefit.<br>•You are required to have a minimum Accumulation Value for some <br> optional benefits.<br>•We may modify or discontinue an optional benefit at any time.<br> •Some optional benefits cannot be cancelled without surrendering <br> your policy. <br>•The amount of the death benefit available under certain optional <br> benefits may vary depending on the date of death. Certain optional <br> benefits may offer a lesser death benefit at issue and require that the <br> policy be held for a minimum waiting period before the greater death <br> benefit will be payable. If you die before the end of the minimum <br> waiting period, the death benefit will be less than the greater death <br> benefit available after the minimum waiting period. Additionally, where <br> there is a reset of certain optional benefit riders, a new minimum <br> waiting period will be required before the greater death benefit will be <br> payable. If you die before the end of the new minimum waiting <br> period, the death benefit may be less than the greater death benefit <br> available after the new minimum waiting period.<br>| **DESCRIPTION OF** <br> **BENEFITS** <br>|
|  | **TAXES** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **What are the** <br> **Policy's Tax**<br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •Consult with a tax professional to determine the tax implications of <br> an investment in, withdrawals from and surrenders of this policy.<br>•If you purchase the policy through a tax-qualified plan or individual <br> retirement account (IRA), such plan or IRA already provides tax <br> deferral under the Code and there are fees and charges in an annuity <br> that may not be included in such other investments. Therefore, the <br> tax deferral of the policy does not provide additional benefits.<br>•Premiums that are made on a pre-tax basis as well as earnings on <br> your policy are taxed at ordinary income tax rates when you withdraw <br> them, and you may have to pay a 10% penalty tax if you take a <br> withdrawal before age 59½.<br>| **FEDERAL TAX** <br> **MATTERS**<br>|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** <br> **PROSPECTUS**<br>|
| **How are the** <br> **Investment**<br> **Professionals**<br> **Compensated?**<br>| Your registered representative may receive compensation for selling <br> this policy to you, in the form of commissions, asset-based <br> compensation, allowances for expenses, and other compensation <br> programs. Your registered representative may have a financial incentive <br> to offer or recommend this policy over another investment.<br>| **DISTRIBUTION AND** <br> **COMPENSATION** <br> **ARRANGEMENTS**<br>|

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| | | |
|:---|:---|:---|
| **Should I** <br> **Exchange my** <br> **Policy?**<br>| Your registered representative may have a financial incentive to offer <br> you a new policy in place of the one you own. You should consider <br> exchanging your policy if you determine, after comparing the features, <br> fees, risks of both policies, and any fees or penalties to terminate the <br> existing policy that it is in your best interest to purchase the new policy <br> rather than continue to own your existing policy.<br>| **THE POLICIES –** <br> **Tax-Free** <br> **Section 1035** <br> **Exchanges;** <br> **Selecting the** <br> **Variable Annuity** <br> **That's Right for You**<br>|

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**Appendix 1A**

***Investment Options Available Under the Policy***

The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premierplus-ii. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierPlusIIProspectus@newyorklife.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.

If you purchased an investment preservation rider, you may not be able to invest in certain Portfolios. If you purchased the IPR or IPR 2.0, your available Allocation Options are listed in APPENDIX 1B. If you purchased the IPR 3.0, IPR 4.0 or IPR 5.0, your available Allocation Options are listed in APPENDIX 1C.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | NYLIM VP American Century Large Cap Equity <br> (formerly NYLI VP American Century <br> Sustainable Equity) — Service Class<br>*Adviser: New York Life Investment Management* <br> *LLC ("New York Life Investments") /*<br> *Subadviser: American Century Investment* <br> *Management, Inc.*<br>| 0.93% | 11.06% | 13.68% | 11.58% |
| Asset Allocation | NYLIM VP Balanced (formerly NYLI VP <br> Balanced) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: NYL Investors LLC ("NYL* <br> *Investors") and Wellington Management* <br> *Company LLP ("Wellington")*<br>| 0.97% | 11.16% | 7.14% | 7.04% |
| Investment<br> Grade Bond<br>| NYLIM VP Bond (formerly NYLI VP Bond) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.80% | 6.57% | (0.88)% | 1.71% |
| International/Global<br> Equity<br>| NYLIM VP Candriam Emerging Markets Equity <br> (formerly NYLI VP Candriam Emerging Markets <br> Equity) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Candriam* <br>| 1.45% | 35.54% | 2.52% | 7.39% |

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Appendix 1A-1

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Sector | NYLIM VP CBRE Global Infrastructure (formerly <br> NYLI VP CBRE Global Infrastructure) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: CBRE Investment Management* <br> *Listed Real Assets LLC*<br>| 1.20% | 15.31% | 6.79% | 2.39% |
| Asset Allocation | NYLIM VP Conservative Allocation (formerly <br> NYLI VP Conservative Allocation) — Service <br> Class<br>*Adviser: New York Life Investments*<br>| 0.80% | 9.29% | 3.67% | 5.14% |
| Large Cap Equity | NYLIM VP Dimensional U.S. Equity (formerly <br> NYLI VP Dimensional U.S. Equity) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Dimensional Fund Advisors LP*<br>| 0.79% | 13.46% | 12.11% | 12.40% |
| Large Cap Equity | NYLIM VP Epoch U.S. Equity Yield (formerly <br> NYLI VP Epoch U.S. Equity Yield) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Epoch Investment Partners, Inc.* <br> *("Epoch")*<br>| 0.93% | 13.96% | 11.74% | 9.69% |
| Asset Allocation | NYLIM VP Equity Allocation (formerly NYLI VP <br> Equity Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.94% | 13.69% | 7.90% | 9.07% |
| Sector | NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities <br> (formerly NYLI VP Fidelity Institutional AM<sup>®</sup> <br> Utilities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: FIAM LLC ("FIAM")*<br>| 0.93% | 13.50% | 12.06% | 10.69% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP Floating Rate (formerly NYLI VP <br> Floating Rate) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.89% | 4.86% | 5.16% | 4.74% |
| Asset Allocation | NYLIM VP Growth Allocation (formerly NYLI VP <br> Growth Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.89% | 12.24% | 7.06% | 8.05% |
| Alternatives | NYLIM VP Hedge Multi-Strategy (formerly NYLI <br> VP Hedge Multi-Strategy) — Service Class<br>*Adviser: New York Life Investments*<br>| 1.26% | 7.78% | 2.67% | 1.81% |

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Appendix 1A-2

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Income Builder (formerly NYLI VP <br> Income Builder) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Epoch and MacKay Shields LLC* <br> *("MacKay")*<br>| 0.88% | 16.70% | 6.29% | 7.13% |
| Asset Allocation | NYLIM VP Janus Henderson Balanced (formerly <br> NYLI VP Janus Henderson Balanced) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Janus Henderson Investors US LLC* <br> *("Janus Henderson")*<br>| 0.83% | 14.76% | 8.30% | 9.91% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Convertible (formerly NYLI <br> VP MacKay Convertible) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 16.11% | 5.34% | 10.10% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay High Yield Corporate Bond <br> (formerly NYLI VP MacKay High Yield Corporate <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.84% | 6.60% | 4.18% | 5.87% |
| Non-Investment<br> Grade Bond<br>| NYLIM VP MacKay Strategic Bond (formerly <br> NYLI VP MacKay Strategic Bond) — Service <br> Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.90% | 8.60% | 3.73% | 4.14% |
| Investment<br> Grade Bond<br>| NYLIM VP MacKay U.S. Infrastructure Bond <br> (formerly NYLI VP MacKay U.S. Infrastructure <br> Bond) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MacKay*<br>| 0.82% | 8.17% | (0.15)% | 1.13% |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Investors Trust (formerly NYLI <br> VP MFS<sup>®</sup> Investors Trust) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Massachusetts Financial Services* <br> *Company ("MFS")*<br>| 1.00% | N/A | N/A | N/A |
| Large Cap Equity | NYLIM VP MFS<sup>®</sup> Research (formerly NYLI VP <br> MFS<sup>®</sup> Research) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: MFS*<br>| 1.01% | N/A | N/A | N/A |

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Appendix 1A-3

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | NYLIM VP Moderate Allocation (formerly NYLI <br> VP Moderate Allocation) — Service Class<br>*Adviser: New York Life Investments*<br>| 0.83% | 11.02% | 5.36% | 6.61% |
| Sector | NYLIM VP Natural Resources (formerly NYLI VP <br> Natural Resources) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Newton Investment Management* <br> *North America, LLC ("NIMNA")*<br>| 0.85% | 15.20% | 17.27% | 10.88% |
| Sector | NYLIM VP Newton Technology Growth (formerly <br> NYLI VP Newton Technology Growth) — <br> Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NIMNA*<br>| 1.03% | N/A | N/A | N/A |
| Investment<br> Grade Bond<br>| NYLIM VP PIMCO Real Return (formerly NYLI <br> VP PIMCO Real Return) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Pacific Investment Management* <br> *Company LLC ("PIMCO")*<br>| 1.34% | 7.89% | 1.11% | 3.03% |
| International/Global<br> Equity<br>| NYLIM VP PineStone International Equity <br> (formerly NYLI VP PineStone International <br> Equity) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: PineStone Asset Management Inc.*<br>| 1.11% | 12.01% | (0.05)% | 5.18% |
| Large Cap Equity | NYLIM VP S&P 500 Index (formerly NYLI VP <br> S&P 500 Index) — Service Class <br>*Adviser: New York Life Investments* <br>| 0.37% | 17.43% | 14.00% | 14.34% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Schroders Mid Cap Opportunities <br> (formerly NYLI VP Schroders Mid Cap <br> Opportunities) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Schroder Investment Management* <br> *North America Inc.*<br>| 1.08% | 7.00% | 4.79% | 7.12% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Small Cap Growth (formerly NYLI VP <br> Small Cap Growth) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadvisers: Brown Advisory, LLC and Segall* <br> *Bryant & Hamill, LLC*<br>| 1.11% | 4.63% | 1.38% | 8.68% |

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Appendix 1A-4

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Money Market | NYLIM VP U.S. Government Money Market <br> (formerly NYLI VP U.S. Government Money <br> Market) — Initial Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: NYL Investors*<br>| 0.28% | 4.05% | 3.02% | 1.89% |
| Large Cap Equity | NYLIM VP Wellington Growth (formerly NYLI VP <br> Wellington Growth) — Service Class<sup>+</sup> <br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 0.98% | 16.77% | 10.10% | 13.17% |
| Small/Mid Cap<br> Equity<br>| NYLIM VP Wellington Small Cap (formerly NYLI <br> VP Wellington Small Cap) — Service Class<br>*Adviser: New York Life Investments /* <br> *Subadviser: Wellington*<br>| 1.00% | 9.26% | 5.66% | 7.15% |
| Large Cap Equity | NYLIM VP Winslow Large Cap Growth (formerly <br> NYLI VP Winslow Large Cap Growth) — Service <br> Class<br>*Adviser: New York Life Investments* <br> */ Subadviser: Winslow Capital Management,* <br> *LLC*<br>| 1.00% | 14.07% | 12.41% | 15.85% |
| Large Cap Equity | AB VPS Relative Value Portfolio — Class B<br>*Adviser: AllianceBernstein L.P.* <br>| 0.84% | 10.20% | 11.15% | 10.30% |
| Asset Allocation | American Funds<sup>®</sup> IS Asset Allocation Fund — <br> Class 4<br>*Adviser: Capital Research and Management* <br> *Company*<sup>SM</sup> *("CRMC")*<br>| 0.79% | 15.59% | 8.70% | 9.50% |
| Investment Grade <br> Bond <br>| American Funds<sup>®</sup> IS The Bond Fund of <br> America<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.72% | 6.98% | (0.38)% | 2.11% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> <br> — Class 4<br>*Adviser: CRMC*<br>| 0.98% | 9.03% | (2.76)% | 0.97% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth Fund — Class 4<br>*Adviser: CRMC*<br>| 0.83% | 19.93% | 13.09% | 17.67% |
| Large Cap Equity | American Funds<sup>®</sup> IS Growth-Income Fund — <br> Class 4<br>*Adviser: CRMC*<br>| 0.78% | 17.77% | 13.62% | 13.63% |

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Appendix 1A-5

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS New World Fund<sup>®</sup> — Class <br> 4<br>*Adviser: CRMC*<br>| 1.07% | 27.92% | 5.06% | 8.98% |
| International/Global<br> Equity<br>| American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup> <br> (formerly American Funds<sup>®</sup> IS Global Small <br> Capitalization Fund) — Class 4<br>*Adviser: CRMC*<br>| 1.15% | 14.33% | 0.23% | 6.96% |
| Investment<br> Grade Bond<br>| American Funds<sup>®</sup> IS U.S. Government Securities <br> Fund<sup>®</sup> — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 7.54% | (0.49)% | 1.45% |
| Large Cap Equity | American Funds<sup>®</sup> IS Washington Mutual <br> Investors Fund — Class 4<br>*Adviser: CRMC*<br>| 0.75% | 16.90% | 13.60% | 12.08% |
| Asset Allocation | BlackRock<sup>®</sup> Global Allocation V.I. Fund — Class <br> III<br>*Adviser: BlackRock Advisors, LLC ("BlackRock")* <br> */ Subadvisers: BlackRock (Singapore) Limited* <br> *and BlackRock International Limited*<br>| 1.01% | 19.42% | 5.51% | 7.33% |
| Non-Investment<br> Grade Bond<br>| BlackRock<sup>®</sup> High Yield V.I. Fund — Class III<br>*Adviser: BlackRock / Subadviser: BlackRock* <br> *International Limited*<br>| 0.78% | 9.09% | 4.57% | 6.07% |
| Large Cap Equity | BNY Mellon Sustainable U.S. Equity Portfolio — <br> Service Shares<br>*Adviser: BNY Mellon Investment Adviser, Inc. /* <br> *Subadviser: Newton Investment Management* <br> *Limited*<br>| 0.91% | 15.67% | 11.65% | 13.27% |
| Sector | Columbia Variable Portfolio — Commodity <br> Strategy Fund — Class 2<sup>++</sup> <br>*Adviser: Columbia Management Investment* <br> *Advisers, LLC ("Columbia") / Subadviser:* <br> *Threadneedle International Limited*<br>| 1.00% | 15.30% | 12.44% | 6.46% |
| Non-Investment<br> Grade Bond<br>| Columbia Variable Portfolio — Emerging <br> Markets Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 1.00% | 12.65% | 1.47% | 4.03% |
| Investment Grade <br> Bond<br>| Columbia Variable Portfolio — Intermediate <br> Bond Fund — Class 2<br>*Adviser: Columbia* <br>| 0.77% | 8.84% | (0.68)% | 2.52% |

---

Appendix 1A-6

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Small/Mid Cap<br> Equity<br>| Columbia Variable Portfolio — Small Cap Value <br> Discovery Fund (formerly Columbia Variable <br> Portfolio — Small Cap Value Fund) — Class 2<br>*Adviser: Columbia* <br>| 1.13% | 14.66% | 12.19% | 11.20% |
| Small/Mid Cap <br> Equity<br>| Columbia Variable Portfolio — Small Company <br> Growth Fund — Class 2<br>*Adviser: Columbia*<br>| 1.12% | 21.69% | 3.32% | 14.89% |
| Alternatives | DWS Alternative Asset Allocation VIP — Class <br> B<br>*Adviser: DWS Investment Management* <br> *Americas Inc. / Subadviser: RREEF America* <br> *LLC*<br>| 1.31% | 10.03% | 4.88% | 4.52% |
| Investment<br> Grade Bond<br>| Fidelity<sup>®</sup> VIP Bond Index Portfolio — Service <br> Class 2<br>*Adviser: Fidelity Management & Research* <br> *Company LLC ("FMR") / Subadvisers: Other* <br> *investment advisers*<br>| 0.39% | 6.76% | (0.81)% | N/A |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.79% | 21.24% | 15.08% | 15.49% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 1.12% | 40.79% | 5.62% | 10.66% |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.71% | 18.75% | 12.13% | 11.32% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Extended Market Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode Capital* <br> *Management, LLC ("Geode")*<br>| 0.37% | 12.03% | 7.75% | N/A |
| Asset Allocation | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio — <br> Service Class<br>*Adviser: FMR* <br>| 0.63% | 15.71% | 6.67% | 8.19% |

---

Appendix 1A-7

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Large Cap Equity | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.81% | 21.73% | 11.04% | 19.64% |
| Sector | Fidelity<sup>®</sup> VIP Health Care Portfolio — Service <br> Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.84% | 14.10% | 3.92% | N/A |
| International/Global <br> Equity<br>| Fidelity<sup>®</sup> VIP International Capital Appreciation <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: FIL Investment* <br> *Advisors*<br>| 1.02% | 18.36% | 5.99% | 9.53% |
| International/Global<br> Equity<br>| Fidelity<sup>®</sup> VIP International Index Portfolio — <br> Service Class 2<br>*Adviser: FMR / Subadviser: Geode*<br>| 0.41% | 32.82% | 7.76% | N/A |
| Investment Grade <br> Bond<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio — Service Class 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.62% | 6.93% | (0.21)% | 2.45% |
| Small/Mid Cap<br> Equity<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio — Service Class <br> 2<br>*Adviser: FMR / Subadvisers: Other investment* <br> *advisers*<br>| 0.80% | 11.49% | 9.83% | 10.31% |
| Sector | Franklin Gold and Precious Metals VIP Fund — <br> Class 2<br>*Adviser: Franklin Advisers, Inc. ("Franklin* <br> *Advisers")*<br>| 0.95% | N/A | N/A | N/A |
| Asset Allocation | Franklin Templeton Aggressive Model <br> Portfolio — Class II<br>*Adviser: Franklin Templeton Fund Adviser, LLC* <br> *("FTFA") / Subadviser: Franklin Advisers*<br>| 0.88% | 17.04% | 10.14% | N/A |
| Asset Allocation | Franklin Templeton Moderately Aggressive <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 15.01% | 7.87% | N/A |
| Asset Allocation | Franklin Templeton Moderate Model Portfolio — <br> Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 13.18% | 6.49% | N/A |

---

Appendix 1A-8

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Asset Allocation | Franklin Templeton Moderately Conservative <br> Model Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.82% | 11.51% | 4.91% | N/A |
| Asset Allocation | Franklin Templeton Conservative Model <br> Portfolio — Class II<br>*Adviser: FTFA / Subadviser: Franklin Advisers*<br>| 0.85% | 9.04% | 2.65% | N/A |
| International/Global <br> Equity<br>| Goldman Sachs VIT International Equity Insights <br> Fund — Service Class<br>*Adviser: Goldman Sachs Asset Management,* <br> *L.P.*<br>| 1.05% | 5.80% | 5.19% | 4.61% |
| International/Global<br> Equity<br>| Invesco V.I. EQV International Equity Fund — <br> Series II Shares<br>*Adviser: Invesco Advisers, Inc. ("Invesco")*<br>| 1.15% | 16.23% | 3.42% | 5.95% |
| Small/Mid Cap<br> Equity<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> — <br> Series II Shares<br>*Adviser: Invesco* <br>| 1.09% | 8.44% | 8.07% | 10.31% |
| Small/Mid Cap<br> Equity<br>| Janus Henderson Enterprise Portfolio — Service <br> Shares<br>*Adviser: Janus Henderson* <br>| 0.97% | 7.41% | 7.35% | 12.51% |
| International/Global<br> Equity<br>| Janus Henderson Global Research Portfolio — <br> Service Shares<br>*Adviser: Janus Henderson* <br>| 1.07% | 20.60% | 12.23% | 12.64% |
| Investment Grade <br> Bond<br>| Lord Abbett Series Fund, Inc. — Short Duration <br> Income Portfolio — Class VC<br>*Adviser: Lord, Abbett & Co. LLC*<br>| 0.72% | 5.90% | 2.25% | 2.62% |
| Large Cap Equity | LVIP ClearBridge Appreciation Fund (formerly <br> ClearBridge Variable Appreciation Portfolio) — <br> Service Class<br>*Adviser: Lincoln Financial Investments* <br> *Corporation / Subadviser: ClearBridge* <br> *Investments, LLC*<br>| 0.95% | 14.19% | 12.44% | 13.05% |
| International Equity | MFS<sup>®</sup> International Intrinsic Equity Portfolio <br> (formerly MFS<sup>®</sup> International Intrinsic Value <br> Portfolio) — Service Class<br>*Adviser: MFS*<br>| 1.14% | 32.96% | 7.02% | 9.68% |

---

Appendix 1A-9

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| Mid Cap<br> Equity<br>| MFS<sup>®</sup> Mid Cap Value Portfolio — Service Class<br>*Adviser: MFS* <br>| 1.04% | 5.75% | 9.90% | 9.69% |
| International/Global<br> Equity<br>| MFS<sup>®</sup> Research International Portfolio — <br> Service Class<br>*Adviser: MFS*<br>| 1.15% | 21.75% | 5.25% | 7.27% |
| Small/Mid Cap<br> Equity<br>| Neuberger Berman AMT Mid Cap Growth <br> Portfolio — Class S<br>*Adviser: Neuberger Berman Investment* <br> *Advisers LLC*<br>| 1.11% | 5.23% | 4.27% | 10.71% |
| Small/Mid Cap <br> Equity<br>| Nomura VIP Small Cap Value Series (formerly <br> Macquarie VIP Small Cap Value Series) — <br> Service Class<br>*Adviser: Delaware Management Company, a* <br> *series of Nomura Investment Management* <br> *Business Trust* <br>| 1.04% | 7.83% | 8.93% | 8.84% |
| Investment<br> Grade Bond<br>| PIMCO VIT Income Portfolio — Advisor Class<br>*Adviser: PIMCO*<br>| 1.02% | 10.08% | 3.31% | N/A |
| Investment<br> Grade Bond<br>| PIMCO VIT International Bond Portfolio (U.S. <br> Dollar-Hedged) — Advisor Class<br>*Adviser: PIMCO*<br>| 1.19% | 3.85% | 0.93% | 2.78% |
| Investment<br> Grade Bond<br>| PIMCO VIT Low Duration Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.76% | 5.42% | 1.47% | 1.69% |
| Investment<br> Grade Bond<br>| PIMCO VIT Short-Term Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.75% | 4.57% | 3.14% | 2.65% |
| Investment<br> Grade Bond<br>| PIMCO VIT Total Return Portfolio — Advisor <br> Class<br>*Adviser: PIMCO*<br>| 0.83% | 8.78% | (0.08)% | 2.26% |
| Sector | Principal VC Real Estate Securities Account — <br> Class 2<br>*Adviser: Principal Global Investors, LLC /* <br> *Subadviser: Principal Real Estate Investors, LLC*<br>| 1.03% | 0.92% | 4.61% | 5.67% |

---

Appendix 1A-10

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** | **Average Annual Total Returns**<br> **(as of 12/31/25)** |
| **Type** | **Portfolio**<br> **Adviser/Sub-adviser** | **Current** <br> **Expenses\***  | **1 year** | **5 year** | **10 year** |
| International/Global<br> Equity<br>| Putnam VT International Value Fund — Class IB<br>*Adviser: Putnam Investment Management, LLC /* <br> *Subadvisers: Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited and* <br> *The Putnam Advisory Company, LLC*<br>| 1.06% | 34.68% | 12.49% | 8.86% |
| Large Cap Equity | Voya Growth and Income Portfolio — Class S<br>*Adviser: Voya Investments, LLC ("Voya") /* <br> *Subadviser: Voya Investment Management Co.* <br> *LLC ("VIM")*<br>| 0.92% | 17.94% | 15.18% | 14.33% |
| Investment Grade <br> Bond<br>| Voya Intermediate Bond Portfolio — Class S<br>*Adviser: Voya / Subadviser: VIM*<br>| 0.80% | 7.46% | (0.09)% | 2.42% |
| Investment<br> Grade Bond<br>| Western Asset Core Plus VIT Portfolio — Class <br> II<sup>+++</sup> <br>*Adviser: FTFA / Subadvisers: Western Asset* <br> *Management Company, LLC; Western Asset* <br> *Management Company Limited; Western Asset* <br> *Management Company Ltd.; and Western Asset* <br> *Management Company Pte. Ltd.*<br>| 0.79% | 7.69% | (1.67)% | 1.85% |

---

\*

Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2025 reflect temporary fee reductions under such an arrangement.

<sup>+</sup>

Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.

<sup>++</sup>

Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.

<sup>+++</sup>

Closed for policyowners who were not invested in the Investment Division on May 1, 2026, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after May 1, 2026.

The following is a list of fixed options currently available under the policy. We may change the features of the fixed options listed below and offer new fixed options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Guaranteed** <br> **Minimum Interest** <br> **Rate**<br>|
| **Fixed Account** | N/A | **0.05%** |
| **DCA Advantage** <br> **Account**<br>| 6 months | **0.05%** |

---

Appendix 1A-11

------

**Appendix 1B**

***Investment Divisions, Model Portfolios and Asset Allocation Models available with IPR and IPR 2.0***

***Option 1 – Choose Your Own Investment Divisions*** 

---

| | | |
|:---|:---|:---|
| ***<u>Asset Allocation Categories:</u>*** |  |  |
| ***<u>Category A:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| ***<u>Category A Funds</u>*** |  |  |
| NYLIM VP Bond |  | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| NYLIM VP Floating Rate |  | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio |
| NYLIM VP MacKay High Yield Corporate Bond |  | Lord Abbett Series Fund, Inc. — Short Duration Income Port |
| NYLIM VP MacKay Strategic Bond |  | PIMCO VIT Income Portfolio |
| NYLIM VP MacKay U.S. Infrastructure Bond |  | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| NYLIM VP PIMCO Real Return |  | PIMCO VIT Low Duration Portfolio |
| NYLIM VP U.S. Government Money Market |  | PIMCO VIT Short-Term Portfolio |
| American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup> |  | PIMCO VIT Total Return Portfolio |
| American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup> |  | Voya Intermediate Bond Portfolio |
| American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup> |  | Western Asset Core Plus VIT Portfolio |
| BlackRock<sup>®</sup> High Yield V.I. Fund |  |  |
| Columbia Variable Portfolio — Emerging Markets Bond |  |  |
| Columbia Variable Portfolio — Intermediate Bond Fund |  |  |
| ***<u>Category B:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity |  | American Funds<sup>®</sup> IS Asset Allocation Fund |
| NYLIM VP Balanced |  | American Funds<sup>®</sup> IS Growth Fund |
| NYLIM VP Conservative Allocation |  | American Funds<sup>®</sup> IS Growth-Income Fund |
| NYLIM VP Dimensional U.S. Equity |  | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| NYLIM VP Epoch U.S. Equity Yield |  | BlackRock<sup>®</sup> Global Allocation V.I. Fund |
| NYLIM VP Equity Allocation |  | BNY Mellon Sustainable U.S. Equity Portfolio |
| NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities |  | DWS Alternative Asset Allocation VIP |
| NYLIM VP Growth Allocation |  | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio |
| NYLIM VP Hedge Multi-Strategy |  | Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio |
| NYLIM VP Income Builder |  | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio |
| NYLIM VP Janus Henderson Balanced |  | Franklin Templeton Moderately Aggressive Model Portfolio |
| NYLIM VP MacKay Convertible |  | Franklin Templeton Moderate Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Investors Trust |  | Franklin Templeton Moderately Conservative Model Portfolio |
| NYLIM VP MFS<sup>®</sup> Research |  | Franklin Templeton Conservative Model Portfolio |
| NYLIM VP Moderate Allocation |  | LVIP ClearBridge Appreciation Fund |
| NYLIM VP S&P 500 Index |  | Voya Growth and Income Portfolio |
| NYLIM VP Wellington Growth |  |  |
| NYLIM VP Winslow Large Cap Growth |  |  |
| AB VPS Relative Value Portfolio<br>|  |  |

---

Appendix 1B-1

------

---

| | | |
|:---|:---|:---|
| ***<u>Category C:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 10<br> %<br>|  |
| **<u>Category C Funds</u>** |  |  |
| NYLIM VP Candriam Emerging Markets Equity<br> NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br> NYLIM VP PineStone International Equity<br> NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Columbia Variable Portfolio — Commodity Strategy <br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br> Fidelity<sup>®</sup> VIP Health Care Portfolio <br>|  | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio <br> Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund <br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio <br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br> Principal VC Real Estate Securities Account<br> Putnam VT International Value Fund<br>|

---

***Option 2 – Franklin Templeton Model Portfolios*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

---

***Option 3 - Asset Allocation Models (subject to availability)*** 

---

| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Appendix 1B-2

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

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Appendix 1B-3

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**Appendix 1C**

***Model Portfolios, Investment Divisions and Asset Allocation Models available with IPR 3.0, IPR 4.0 and IPR 5.0*** 

***Option 1 – Franklin Templeton Model Portfolios*** 

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 100% | Franklin Templeton Moderately Aggressive Model <br> Portfolio<br>| 100% | Franklin Templeton Moderate Model Portfolio |
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** *(For IPR 4.0 and IPR 5.0, only available* <br> *with 20-year holding period)* | **<u>Conservative</u>** *(For IPR 4.0 and IPR 5.0, only available* <br> *with 20-year holding period)* |
| 100% | Franklin Templeton Moderately Conservative Model <br> Portfolio<br>| 100% | Franklin Templeton Conservative Model Portfolio |

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***Option 2 – Choose Your Own Investment Divisions*** 

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| | | |
|:---|:---|:---|
| **<u>Category A:</u>** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 30<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 100<br> %<br>|  |
| **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Bond<br> NYLIM VP MacKay U.S. Infrastructure Bond<br> NYLIM VP PIMCO Real Return<br> NYLIM VP U.S. Government Money Market<br> American Funds<sup>®</sup> IS The Bond Fund of America<sup>®</sup><br> American Funds<sup>®</sup> IS Capital World Bond Fund<sup>®</sup><br> American Funds<sup>®</sup> IS U.S. Government Securities Fund<sup>®</sup><br> Columbia Variable Portfolio — Intermediate Bond Fund<br> Fidelity<sup>®</sup> VIP Bond Index Portfolio<br> Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio<br>|  | &nbsp;&nbsp; Lord Abbett Series Fund, Inc. — Short Duration Income Port<br> PIMCO VIT Income Portfolio<br> PIMCO VIT International Bond Port (U.S. Dollar-Hedged) <br> PIMCO VIT Low Duration Portfolio <br> PIMCO VIT Short-Term Portfolio<br> PIMCO VIT Total Return Portfolio<br> Voya Intermediate Bond Portfolio<br> Western Asset Core Plus VIT Portfolio<br>|
| **<u>Subcategory II Funds</u>** |  |  |
| NYLIM VP Floating Rate<br> NYLIM VP MacKay High Yield Corporate Bond<br> NYLIM VP MacKay Strategic Bond<br>|  | &nbsp;&nbsp; BlackRock<sup>®</sup> High Yield V.I. Fund<br> Columbia Variable Portfolio — Emerging Markets Bond<br>|
| ***<u>Category B:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 70<br> %<br>|  |
| **<u>Category B Funds</u>** |  |  |
| NYLIM VP American Century Large Cap Equity<br> NYLIM VP Dimensional U.S. Equity<br> NYLIM VP Epoch U.S. Equity Yield<br> NYLIM VP Hedge Multi-Strategy<br> NYLIM VP MacKay Convertible<br> NYLIM VP MFS<sup>®</sup> Investors Trust<br> NYLIM VP MFS<sup>®</sup> Research<br> NYLIM VP S&P 500 Index<br> NYLIM VP Winslow Large Cap Growth <br> AB VPS Relative Value Portfolio<br>|  | &nbsp;&nbsp; American Funds<sup>®</sup> IS Growth Fund <br> American Funds<sup>®</sup> IS Growth-Income Fund<br> American Funds<sup>®</sup> IS Washington Mutual Investors Fund<br> BNY Mellon Sustainable U.S. Equity Portfolio<br> DWS Alternative Asset Allocation VIP <br> Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio<br> Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br> Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio<br> LVIP ClearBridge Appreciation Fund<br> Voya Growth and Income Portfolio<br>|

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Appendix 1C-1

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| | | |
|:---|:---|:---|
| ***<u>Category C:</u>*** |  |  |
| Minimum Allocation | &nbsp;&nbsp; 0<br> %<br>|  |
| Maximum Allocation | &nbsp;&nbsp; 25<br> %<br>|  |
| **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** | **<u>Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</u>** |
| NYLIM VP Schroders Mid Cap Opportunities<br> NYLIM VP Small Cap Growth<br> NYLIM VP Wellington Small Cap<br> Columbia Variable Portfolio — Small Cap Value Discovery<br> Columbia Variable Portfolio — Small Company Growth<br> Fidelity<sup>®</sup> VIP Extended Market Index Portfolio<br>|  | &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Mid Cap Portfolio<br> Invesco V.I. Main Street Small Cap Fund<sup>®</sup><br> Janus Henderson Enterprise Portfolio<br> MFS<sup>®</sup> Mid Cap Value Portfolio<br> Neuberger Berman AMT Mid Cap Growth Portfolio<br> Nomura VIP Small Cap Value Series<br>|
| **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** | **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** | **<u>Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</u>** |
| NYLIM VP PineStone International Equity<br> American Funds<sup>®</sup> IS New World Fund<sup>®</sup><br> American Funds<sup>®</sup> IS SMALLCAP World Fund<sup>®</sup><br> Fidelity<sup>®</sup> VIP Emerging Markets Portfolio<br> Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio<br> Fidelity<sup>®</sup> VIP International Index Portfolio<br>|  | &nbsp;&nbsp; Goldman Sachs VIT International Equity Insights Fund<br> Invesco V.I. EQV International Equity Fund<br> Janus Henderson Global Research Portfolio<br> MFS<sup>®</sup> International Intrinsic Equity Portfolio<br> MFS<sup>®</sup> Research International Portfolio<br> Putnam VT International Value Fund<br>|
| **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** | **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** | **<u>Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</u>** |
| NYLIM VP CBRE Global Infrastructure<br> NYLIM VP Fidelity Institutional AM<sup>®</sup> Utilities<br> NYLIM VP Natural Resources<br> NYLIM VP Newton Technology Growth<br>|  | &nbsp;&nbsp; Columbia Variable Portfolio — Commodity Strategy<br> Fidelity<sup>®</sup> VIP Health Care Portfolio<br> Franklin Gold and Precious Metals VIP Fund<br> Principal VC Real Estate Securities Account<br>|

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***Option 3 – Asset Allocation Funds:*** 

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| | |
|:---|:---|
| **<u>Category D:</u>** |  |
| Minimum Allocation | &nbsp;&nbsp; 100<br> %<br>|
| **<u>Category D Asset Allocation Funds</u>** |  |
| NYLIM VP Balanced<br> NYLIM VP Conservative Allocation<br> NYLIM VP Income Builder<br> NYLIM VP Janus Henderson Balanced<br> NYLIM VP Moderate Allocation<br> American Funds<sup>®</sup> IS Asset Allocation Fund<br> BlackRock<sup>®</sup> Global Allocation V.I. Fund<br> Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio<br> Franklin Templeton Moderately Aggressive Model Portfolio<br> Franklin Templeton Moderate Model Portfolio<br> Franklin Templeton Moderately Conservative Model Portfolio<br> Franklin Templeton Conservative Model Portfolio <br>|  |

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***Option 4 – Asset Allocation Models (subject to availability; not available with IPR 5.0)*** 

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 10% | NYLIM VP S&P 500 Index | 10% | NYLIM VP S&P 500 Index |
| 10% | DWS Alternative Asset Allocation VIP | 10% | DWS Alternative Asset Allocation VIP |
| 7% | PIMCO VIT Total Return Portfolio | 8% | NYLIM VP Bond |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 7% | PIMCO VIT Total Return Portfolio |
| 7% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund | 7% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP Schroders Mid Cap Opportunities  | 7% | NYLIM VP MacKay High Yield Corporate Bond |

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Appendix 1C-2

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Aggressive</u>** | **<u>Moderately Aggressive</u>** | **<u>Moderate</u>** | **<u>Moderate</u>** |
| 6% | NYLIM VP Bond | 6% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 6% | NYLIM VP MFS<sup>®</sup> Investors Trust | 5% | NYLIM VP PIMCO Real Return |
| 5% | NYLIM VP PIMCO Real Return | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | NYLIM VP MFS<sup>®</sup> Investors Trust |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 5% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>|
| 5% | LVIP ClearBridge Appreciation Fund | 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP PineStone International Equity | 5% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> | 5% | American Funds<sup>®</sup> IS New World Fund<sup>®</sup> |
| 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio | 5% | MFS<sup>®</sup> International Intrinsic Equity Portfolio |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | |
|:---|:---|:---|:---|
| **<u>Moderately Conservative</u>** | **<u>Moderately Conservative</u>** | **<u>Conservative</u>** | **<u>Conservative</u>** |
| 10% | NYLIM VP Bond | 14% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) |
| 10% | PIMCO VIT Total Return Portfolio | 12% | NYLIM VP Bond |
| 10% | DWS Alternative Asset Allocation VIP | 11% | PIMCO VIT Total Return Portfolio |
| 9% | Fidelity<sup>®</sup> VIP Bond Index Portfolio | 10% | NYLIM VP MacKay U.S. Infrastructure Bond |
| 8% | NYLIM VP MacKay U.S. Infrastructure Bond | 10% | Fidelity<sup>®</sup> VIP Bond Index Portfolio |
| 7% | NYLIM VP MacKay High Yield Corporate Bond | 10% | DWS Alternative Asset Allocation VIP |
| 6% | NYLIM VP PIMCO Real Return | 7% | NYLIM VP PIMCO Real Return |
| 5% | PIMCO VIT International Bond Port (U.S. Dollar-Hedged) | 7% | NYLIM VP MacKay High Yield Corporate Bond |
| 5% | Columbia Variable Portfolio — Emerging Markets Bond | 5% | Columbia Variable Portfolio — Emerging Markets Bond |
| 5% | NYLIM VP S&P 500 Index | 4% | BlackRock<sup>®</sup> High Yield V.I. Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Investors Trust | 4% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |
| 5% | NYLIM VP MFS<sup>®</sup> Research | 3% | NYLIM VP MFS<sup>®</sup> Research |
| 5% | Fidelity<sup>®</sup> VIP Equity-Income Portfolio<sup>SM</sup> <br>| 3% | NYLIM VP Schroders Mid Cap Opportunities |
| 5% | American Funds<sup>®</sup> IS Washington Mutual Investors Fund |  |  |
| 5% | NYLIM VP Schroders Mid Cap Opportunities |  |  |

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Appendix 1C-3

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This Summary Prospectus incorporates by reference the New York Life Premier Plus Variable Annuity II full statutory prospectus and the Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The full statutory prospectus and the SAI are posted on our website, https://dfinview.com/NewYorkLife/TAHD/premierplus-ii. The full prospectus and SAI for the policy may be obtained, free of charge, in any manner shown on the front page of this Summary Prospectus.

Reports and other information about the Separate Accounts are available on the SEC's website at https://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. <br>

Separate Account III EDGAR contract identifier #C000154614 <br>

<br>Separate Account IV EDGAR contract identifier #C000154616

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