Rates are subject to change. For financial professional or agent use only. Not for use with the public.

¹The guaranteed floor is based on the Minimum Accumulation Value (MAV), which is equal to the premium growing at 1.8% per year, adjusted for withdrawals and any applicable withdrawal charges.
²Indices are unmanaged. Clients cannot invest directly in an index. 
³The Lifetime Income Builder guaranteed living benefit rider is available only in Power Index Premier NY. 
⁴The initial income percentage ranges from 3.40% to 6.15% based on the issue age and the number of individuals covered under the GLB rider.
⁵The lifetime income withdrawal rate is guaranteed to increase by 0.15% each year income is delayed until the earlier of 15 years or until lifetime income is activated.
⁶Interest earned is subject to index rate caps that limit the upside potential. Interest earned will never be less than zero in down or flat markets. The S&P 500, Russell 2000 and MSCI EAFE are price return indices and do not include the impact of dividends.
⁷Based on AB research of hypothetical scenarios. Results are not guaranteed. Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims-paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Index annuities may not be appropriate for all individuals.

Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims-paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Index annuities may not be appropriate for all individuals. 

Lifetime income is available through annuitization or an optional guaranteed living benefit (GLB) rider. Annuitization is a process that permanently converts your annuity contract to income payments that can be guaranteed for life. Once annuitized, you will no longer have access to your contract value. With a GLB rider, you retain access to your contract value, even after lifetime withdrawals begin. Withdrawals may be subject to federal and/or state income taxes. An additional 10% federal tax may apply if clients make withdrawals or surrender their annuity before age 59½.

All contract and benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

MSCI EAFE: The product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such product or any index on which such product is based. The contract contains a more detailed description of the limited relationship MSCI has with Licensee and any related product.

Russell 2000^®: The index annuity product to which this disclosure applies (the “Product”) has been developed solely by The United States Life Insurance Company in the City of New York (“US Life”). The Product is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the Russell 2000^® Index (the “Index”) vest in the relevant LSE Group company which owns the Index. Russell^®, Russell 2000®, FTSE^® Russell^®, and FTSE Russell^® are trade mark(s) of the relevant LSE Group companies and are used by any other LSE Group company under license. TMX^® is a trade mark of TSX, Inc. and used by the LSE Group under license.

The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) the purchase of or operation of the Product. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Product or the suitability of the Index for the purpose to which it is being put by US Life.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The United States Life Insurance Company in the City of New York (“US Life”) and affiliates. Standard & Poor’s,^® S&P,® and S&P 500^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by US Life and affiliates. US Life and affiliates’ products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500^® Index.

Index annuities are issued by The United States Life Insurance Company in the City of New York  (US Life). US Life is a member company of American International Group, Inc. (AIG). The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by US Life are its responsibility. Guarantees are backed by the claims-paying ability of US Life, not AIG. 
AllianceBernstein and AIG are not affiliated.

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