PRODUCT DOCUMENTS

Product Name Prospectus Statement of Additional Information
New York Life Elite Variable Annuity

UNDERLYING FUND DOCUMENTS

Fund Name Summary Prospectus Prospectus Statement of Additional Information Annual Report Semiannual Report Q1 Holdings Q3 Holdings
American Funds IS ® Asset Allocation Fund - Class 4
American Funds IS New World® Class 4
American Funds IS Washington Mutual Investors Fund
American Funds IS® Global Small Capitalization Fund® - Class 4
American Funds IS® Growth Fund - Class 4
BlackRock® High Yield V.I. Fund - Class III Shares
BlackRock® Global Allocation V.I. Fund - Class III Shares
BNY Mellon Investment Portfolios, Technology Growth Portfolio – Service Shares
ClearBridge Variable Appreciation Portfolio - Class II
Columbia Variable Portfolio - Small Cap Value Fund - Class 2
Columbia Variable Portfolio—Commodity Strategy Fund—Class 2
Columbia Variable Portfolio—Emerging Markets Bond Fund—Class 2
Delaware VIP Small Cap Value - Service Class
DWS Alternative Asset Allocation VIP - Class B
Fidelity VIP Bond Index - Service Class 2
Fidelity VIP Emerging Markets fund – Service Class 2
Fidelity® VIP Growth Opportunities - Service Class 2
Fidelity® VIP ContrafundSM - Service Class 2
Fidelity® VIP Equity-IncomeSM - Service Class 2
Fidelity® VIP FundsManager60%® Portfolio - Service Class
Fidelity® VIP Health Care Portfolio - Service Class 2
Fidelity® VIP International Index Portfolio - Service Class 2
Fidelity® VIP Mid Cap - Service Class 2
Franklin Templeton Aggressive Model Portfolio
Franklin Templeton Conservative Model Portfolio - Class I
Franklin Templeton Moderate Model Portfolio
Franklin Templeton Moderately Aggressive Model Portfolio
Franklin Templeton Moderately Conservative Model Portfolio
Invesco V.I. International Growth Fund - Series II Shares
Invesco V.I. Main Street Small Cap Fund®
Janus Henderson Enterprise Portfolio - Service Shares
Janus Henderson Global Research Portfolio - Service Shares
MainStay VP Balanced Portfolio
MainStay VP Bond Portfolio - Initial Class
MainStay VP Candriam Emerging Markets Equity
MainStay VP CBRE Global Infrastructure Portfolio - Service Class
MainStay VP Conservative Allocation Portfolio
MainStay VP Epoch U.S. Equity Yield - Service Class
MainStay VP Equity Allocation
MainStay VP Fidelity Institutional AM® Utilities Portfolio - Initial Class
MainStay VP Floating Rate Portfolio
MainStay VP Growth Allocation
MainStay VP Income Builder Portfolio - Initial Class
MainStay VP IQ Hedge Multi-Strategy – Service 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 Portfolio - Initial Class
MainStay VP MacKay S&P 500 Index Portfolio - Initial Class
MainStay VP MacKay Strategic Bond
MainStay VP Moderate Allocation Portfolio
MainStay VP Natural Resources—Initial Class
MainStay VP PIMCO Real Return Portfolio
MainStay VP Small Cap Growth - Initial Class
MainStay VP T. Rowe Price Equity Income Portfolio
MainStay VP U.S. Government Money Market—Initial Class
NA
NA
MainStay VP Wellington Growth - Service Class
MainStay VP Wellington Mid Cap - Service Class
MainStay VP Wellington Small Cap - Service Class
MainStay VP Wellington U.S. Equity - Service Class
MainStay VP Winslow Large Cap Growth Portfolio
MFS® International Intrinsic Value Portfolio – Service Class
MFS® Investors Trust Series - Service Class
MFS® Mid Cap Value Portfolio - Service Class
MFS® Research Series - Service Class
Morgan Stanley VIF U.S. Real Estate Portfolio
Neuberger Berman AMT Mid-Cap Growth Portfolio - Class S Shares
PIMCO International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class
PIMCO VIT Income Portfolio - Advisor Class
PIMCO VIT Low Duration Portfolio — Advisor Class
PIMCO VIT Total Return Portfolio Advisor Class