NewYorkLife - PRODUCT DOCUMENTS - UNDERLYING FUND DOCUMENTS

PRODUCT DOCUMENTS

Product Name	Prospectus	Financial Statements	Financial Statements
New York Life Legacy Creator Single Premium Variable Universal Life	Prospectus	Financial Statements	NA

UNDERLYING FUND DOCUMENTS

Underlying Funds
Fund Name	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
AB® VPS Discovery Value Portfolio-Class A	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Funds® IS New World Fund® - Class 2	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 I	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
BNY Mellon Investment Portfolios, Technology Growth Portfolio – Initial Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Delaware VIP® Emerging Markets Series - Standard Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Delaware VIP® Small Cap Value Series - Standard Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DWS Small Mid Cap Value VIP - Class A	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP ContrafundSM - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Equity-IncomeSM - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Freedom 2020 - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Freedom 2030 - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Freedom 2040 - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Growth Opportunities Portfolio -Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Mid Cap - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Invesco V.I. EQV International Equity Fund—Series I Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Janus Henderson Global Research Portfolio - Institutional Shares	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 - Initial 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 Conserv Allocation Int Cls	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Epoch U.S. Equity Yield - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Equity Allocation - Initial 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—Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Growth Allocation - Initial 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 IQ Hedge Multi-Strategy – Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Janus Henderson Balanced Portfolio - Initial 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 Government 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 International Equity Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP MacKay Strategic Bond – Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MainStay VP Moderate Allocation - Initial 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 - Initial 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 - 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 - Initial 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 Winslow VP Large Cap Growth - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® International Intrinsic Value Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Investors Trust Series - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® New Discovery Series - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Research Series - Initial 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 I	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Neuberger Berman AMT Mid-Cap Growth Portfolio - Class I Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Institutional Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
PIMCO VIT Total Return Portfolio - Institutional Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings

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UNDERLYING FUND DOCUMENTS