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Product Name Prospectus Financial Statements Financial Statements
New York Life Lifetime Wealth Variable Universal Life


Fund Name Summary Prospectus Prospectus Statement of Additional Information Annual Report Semiannual Report Q1 Holdings Q3 Holdings
AB® VPS International Value Portfolio - Class A
Alger Capital Appreciation Portfolio Class I-2 Shares
American Century Investments® VP Inflation Protection Fund - Class II
BlackRock® Global Allocation V.I. Fund - Class I
Columbia Variable Portfolio - Small Cap Value Fund - Class 2
Delaware VIP® International Series—Standard Class
Delaware VIP® Emerging Markets Series - Standard Class
Delaware VIP® Small Cap Value Series - Standard Class
DFA VA Global Bond Portfolio
DFA VA International Small Portfolio
DFA VA International Value Portfolio
DFA VA Short Term Fixed Portfolio
DFA VA U.S. Large Value Portfolio
DFA VA US Targeted Value Portfolio
DWS Small Cap Index VIP - Class A
Fidelity® VIP ContrafundSM - Initial Class
Fidelity® VIP Equity-IncomeSM - Initial Class
Fidelity® VIP Index 500 - Initial Class
Fidelity® VIP Investment Grade Bond - Initial Class
Fidelity® VIP Mid Cap - Initial Class
Fidelity® VIP Overseas - Initial Class
Invesco V.I. EQV International Equity Fund—Series I Shares
Invesco V.I. Global Real Estate Fund - Series I Shares
Janus Henderson Enterprise Portfolio - Institutional Shares
Janus Henderson Forty Portfolio - Institutional Shares
LVIP Baron Growth Opportunities Fund - Service Class
LVIP Delaware Diversified Income Fund - Standard Class
LVIP Delaware Value Fund—Standard Class
MainStay VP American Century Sustainable Equity - Initial Class
MainStay VP Balanced - Initial Class
MainStay VP Bond - Initial Class
MainStay VP Candriam Emerging Markets Equity - Initial Class
MainStay VP Conserv Allocation Int Cls
MainStay VP Epoch U.S. Equity Yield - Initial Class
MainStay VP Fidelity Institutional AM® Utilities Portfolio - Initial Class
MainStay VP Floating Rate—Initial Class
MainStay VP Growth Allocation - Initial Class
MainStay VP Income Builder Portfolio - Initial Class
MainStay VP Janus Henderson Balanced Portfolio - Initial Class
MainStay VP MacKay Convertible Portfolio - Initial Class
MainStay VP MacKay Government Portfolio - Initial Class
MainStay VP MacKay High Yield Corporate Bond Portfolio - initial Class
MainStay VP MacKay International Equity – Initial Class
MainStay VP MacKay Strategic Bond – Initial Class
MainStay VP Moderate Allocation - Initial Class
MainStay VP Natural Resources—Initial Class
MainStay VP PIMCO Real Return Portfolio - Initial Class
MainStay VP S&P 500 Index - Initial Class
MainStay VP Small Cap Growth - Initial Class
MainStay VP U.S. Government Money Market—Initial Class
MainStay Winslow VP Large Cap Growth - Initial Class
MFS® Value Series - Initial Class
MFS® International Intrinsic Value Portfolio - Initial Class
MFS® New Discovery Series - Initial Class
MFS® VIT Total Return Bond Series Initial Class
Morgan Stanley VIF U.S. Real Estate Portfolio - Class I
Neuberger Berman AMT Mid-Cap Growth Portfolio - Class I Shares
PIMCO VIT Total Return Portfolio - Administrative Class
T. Rowe Price All-Cap Opportunities Portfolio
T. Rowe Price Blue Chip Growth Portfolio
T. Rowe Price International Stock Portfolio
T. Rowe Price Limited Term Bond Portfolio
The Merger Fund VL