NewYorkLife - PRODUCT DOCUMENTS - UNDERLYING FUND DOCUMENTS

PRODUCT DOCUMENTS

Product Name	Prospectus	Statement of Additional Information	Initial Summary Prospectus	Updating Summary Prospectus	Financial Statements	Financial Statements
New York Life Flexible Premium Variable Annuity III	Prospectus	Statement of Additional Information	Initial Summary Prospectus	Updating Summary Prospectus	Financial Statements - Separate Account III	Financial Statements - Separate Account IV

UNDERLYING FUND DOCUMENTS

Underlying Funds
Fund Name	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
AB® VPS Relative Value Portfolio - Class B	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS ® Asset Allocation Fund - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS Capital World Bond Fund® - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS New World® Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS The Bond Fund of America - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS U.S. Government Securities Fund® - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS Washington Mutual Investors Fund - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS® Global Small Capitalization Fund® - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds IS® Growth Fund - Class 4	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
BlackRock® Global Allocation V.I. Fund - Class I	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
BlackRock® High Yield V.I. Fund - Class III Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
BNY Mellon Investment Portfolios, Technology Growth Portfolio – Service Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
BNY Mellon Sustainable US Equity Portfolio - Service Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
ClearBridge Variable Appreciation Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Columbia Variable Portfolio - Intermediate Bond Fund - Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Columbia Variable Portfolio - Small Cap Value Fund - Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Columbia Variable Portfolio—Commodity Strategy Fund—Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Columbia Variable Portfolio—Emerging Markets Bond Fund—Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DWS Alternative Asset Allocation VIP - Class B	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity ® VIP Investment Grade Bond Portfolio - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity VIP Bond Index - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Emerging Markets Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Extended Market Index Portfolio - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Growth Opportunities - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP ContrafundSM - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Equity-IncomeSM - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP FundsManager60%® Portfolio - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Health Care Portfolio - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP International Index Portfolio - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Mid Cap - Service Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Franklin Templeton Aggressive Model Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Franklin Templeton Moderate Model Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Franklin Templeton Moderately Aggressive Model Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Franklin Templeton Moderately Conservative Model Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Invesco V.I. EQV International Equity Fund - Series II Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Invesco V.I. Main Street Small Cap Fund®	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Janus Henderson Enterprise Portfolio - Service Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Janus Henderson Global Research Portfolio - Service Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Macquarie VIP Small Cap Value Series - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP American Century Sustainable Equity - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Balanced Portfolio - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Bond - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Candriam Emerging Markets Equity - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP CBRE Global Infrastructure Portfolio - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Conservative Allocation Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Epoch U.S. Equity Yield - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Equity Allocation – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Fidelity Institutional AM® Utilities Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Floating Rate Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Growth Allocation – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Hedge Multi- Strategy – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Income Builder Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Janus Henderson Balanced Portfolio - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP MacKay Convertible Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP MacKay High Yield Corporate Bond Portfolio - initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP MacKay Strategic Bond – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP MacKay U.S. Infrastructure Bond - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Moderate Allocation Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Natural Resources—Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP PIMCO Real Return Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP PineStone International Equity - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP S&P 500 Index – Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Small Cap Growth Portfolio – Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP U.S. Government Money Market—Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	NA	NA
MainStay VP Wellington Growth - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Wellington Mid Cap - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Wellington Small Cap - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Wellington U.S. Equity - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Winslow Large Cap Growth Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS ® VIT Research International Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® International Intrinsic Value Portfolio – Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Investors Trust Series - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Mid Cap Value Portfolio - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Research Series - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Morgan Stanley VIF U.S. Real Estate Portfolio - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Neuberger Berman AMT Mid-Cap Growth Portfolio - Class S Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT Income Portfolio - Advisor Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT Low Duration Portfolio — Advisor Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT Short-Term Portfolio - Advisor Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT Total Return Portfolio Advisor Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Principal VC Real Estate Securities Account - Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Putnam VT International Value Fund - Class 1B	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Voya Growth and Income Portfolio - Class S	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Western Asset Core Plus VIT - Class II	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings

Access to NewYorkLife document links

UNDERLYING FUND DOCUMENTS