Chad A. Horsham

Financial Services Professional*

For more than 160 years, New York Life Insurance Company’s unwavering financial strength and time-tested investment strategies have provided consistent value and sold financial protection for our clients and their families.

Since becoming the first American life insurance company to pay a cash dividend to policyholders in the mid-1800’s, New York Life has continued to build a history of innovation – enhancing our existing product lines, creating new financial products, and maintaining a diversified portfolio to best accommodate our customers’ changing needs and lifestyles. Simply put, we’re not a public company. New York Life is a mutual company, this means unlike publicly traded companies that manage their business for the short-term benefit of shareholders; we are guided by the longer-term needs and expectations of our policyholders. This makes New York Life, essentially, a partner in your long-term planning and means we will be around for you and your family for years to come.

New York Life’s Surplus: Strength in Our Numbers. Surplus is the most important indicator of a mutual insurance company’s financial strength. This strength ensures our ability to fulfill our long-term commitments to our policyholders. New York Life has a total surplus, including investment reserves, of $11.8 billion# and a surplus-to-assets ration of 8.2%*.

Our Ratings
New York Life (NYL) has received among the highest ratings for financial strength from the life insurance industry's principal rating agencies:

A.M. Best (A++)
Standard & Poor's (AA+)
Moody's (Aa1)
Fitch (AAA).##

Central to our success are our New York Life agents. Our agents are widely recognized as the best-trained professionals in the industry. Our agents have the ability to understand each customer's objectives and draw upon New York Life's products to best address those objectives.

As you seek financial security for yourself and your loved ones, you want the best: A strong and vital company with a competitive product line and a superior sales force that is committed to providing personal attention to your individual needs.

When you consider all these factors it is easy to see why New York Life is:The Company You Keep®. For all your questions about Life Insurance, Long Term Care Insurance, Annuities and Investments give me a call.

Chad A. Horsham

Financial Services Professional*

One Valmont Plaza, Ste. 100
Omaha, NE 68154
O-402-496-6400 x-6506
C-402-657-9750

# Represents the statutory consolidation of New York Life Insurance Company and its domestic wholly owned life insurance subsidiaries as of December 31, 2004

## Source: Individual Third Party Ratings (As of 2/16/05).

*Chad Horsham is an Agent with New York Life Insurance Company and a Registered Representative offering securities through NYLIFE Securities Inc., (Member NASD/SIPC)