For more than 160 years, New York Life has kept promises to policyholders, no matter what the situation - through the yellow fever epidemics of the 19th century, the Civil War, the Great Depression, and the aftermath of recent tragedies, such as 9/11 and Hurricane Katrina.

As the nation's oldest and largest mutual life insurance company, New York Life Insurance remain the premier provider of long-term insurance guarantees - backed by the highest possible credit ratings, billions of dollars of surplus more than needed to be confident they can meet their obligations to policyholders, and a well-diversified, conservative investment portfolio that includes very little exposure to the problem areas in today's market.

In good times and in bad, three key factors set New York Life apart:

* Their mutual form of ownership, which keeps them uniquely aligned with their policyholders
* Their unquestionable financial strength, which backs the long-term promises they make; and
* Their disciplined and conservative investment approach, which makes their financial strength possible