NewYorkLife - PRODUCT DOCUMENTS - UNDERLYING FUND DOCUMENTS

PRODUCT DOCUMENTS

Product Name	Prospectus	Financial Statements	Financial Statements
New York Life Lifetime Wealth 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 International Value Portfolio - Class A	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Alger Capital Appreciation Portfolio Class I-2 Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
American Century Investments® VP Inflation Protection Fund - Class II	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
Columbia Variable Portfolio - Small Cap Value Fund - Class 2	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Delaware VIP® International Series—Standard Class	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
DFA VA Global Bond Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DFA VA International Small Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DFA VA International Value Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DFA VA Short Term Fixed Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DFA VA U.S. Large Value Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DFA VA US Targeted Value Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
DWS Small Cap Index 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 Index 500 - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Fidelity® VIP Investment Grade Bond - 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
Fidelity® VIP Overseas - 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
Invesco V.I. Global Real Estate Fund - Series I Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Janus Henderson Enterprise Portfolio - Institutional Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
Janus Henderson Forty Portfolio - Institutional Shares	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
LVIP Baron Growth Opportunities Fund - Service Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
LVIP Delaware Diversified Income Fund - Standard Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
LVIP Delaware Value Fund—Standard 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 - 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 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 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 – 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 Int Cls	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 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® New Discovery Series - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® Value Series Portfolio - Initial Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
MFS® VIT Total Return Bond 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 Total Return Portfolio - Administrative Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
T. Rowe Price All-Cap Opportunities Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
T. Rowe Price Blue Chip Growth Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
T. Rowe Price International Stock Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
T. Rowe Price Limited Term Bond Portfolio	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings
The Merger Fund VL	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semiannual Report	Q1 Holdings	Q3 Holdings

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UNDERLYING FUND DOCUMENTS