v3.26.1
N-6
Apr. 10, 2026
USD ($)
yr
Prospectus:  
Document Type N-6
Entity Registrant Name New York Life Ins & Annuity Corp Var Univ Life Sep Acc I
Entity Central Index Key 0000906982
Entity Investment Company Type N-6
Document Period End Date Apr. 10, 2026
Amendment Flag false
Market Wealth Plus  
Item 2. Key Information [Line Items]  
Fees and Expenses [Text Block]
 
Fees and Expenses
Charges for Early
Withdrawals
If you fully surrender your policy for the Cash Surrender Value, partially surrender or
withdraw money from your policy within a maximum of 10 years following your
purchase of the policy, you may be assessed a maximum surrender charge equal to
the lesser of (a) or (b) where (a) equals 50% of the total premiums paid under the
Policy and (b) equals a percentage of the Surrender Charge Premium. Surrender
charges are not applicable on full surrenders of the policy for its ACSV.
For example, if you were to withdraw $100,000 during the first 10 years after your
policy purchase, the ACSV was not available, and your total premiums paid were
$100,000, then you could be assessed a charge of up to $50,000 on the amount
withdrawn.
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy – Transaction Charges.
Transaction Charges
In addition to surrender charges for early withdrawals, you may be charged for other
transactions. These include surrender charges for Face Amount decreases,
Premium Expense Charges (deducted from each premium payment), and charges if
you exercise the Living Benefits Rider or the Overloan Protection Rider. A conditional
premium payment may be required if you exercise the Insurance Exchange Rider. A
withdrawal fee may apply if you make a withdrawal from the Premium Deposit
Account.
We reserve the right to impose partial surrender fees, transfer charges (when you
transfer Cash Value between Investment Options), and a returned payment (bad
check) fee, but we currently do not impose these charges.
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy – Deductions From Premium Payments; Charges
Associated with the Policy – Transaction Charges.
Ongoing Fees and
Expenses (annual charges)
In addition to surrender charges and transaction charges, an investment in the policy
is subject to certain ongoing fees and expenses. Some of these charges, such as the
Cost of Insurance Charge, the Administrative Charge, and certain rider charges
(for optional benefits), are set based on individual characteristics of the insured (e.g.,
age, gender, and rating classification). Other ongoing charges include the Contract
Charge, the Mortality and Expense Risk Charge, loan interest, and certain rider
charges. Please refer to your Policy Specifications Page for rates and the specific
fees applicable to your policy.
Investors will also bear expenses associated with the Eligible Portfolios (portfolio
companies), as shown in the following table, which shows the minimum and
maximum total operating expenses deducted from Fund assets (before any fee
waiver or expense reimbursement) during the year ended December 31, 2025 and
which may change from year to year.
 
Portfolios’ Annual Operating Expenses (expenses that are deducted from
Portfolio assets)
 
Annual Fee
Minimum
Maximum
 
Investment Options
(Eligible Portfolio fees
and expenses)
0.12%
1.31%
 
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy; and Appendix: Eligible Portfolios Available Under
the Policy for our list of available Eligible Portfolios, the current expenses for these
Portfolios, and the Average Annual Total Returns.
Charges for Early Withdrawals [Text Block]
Charges for Early
Withdrawals
If you fully surrender your policy for the Cash Surrender Value, partially surrender or
withdraw money from your policy within a maximum of 10 years following your
purchase of the policy, you may be assessed a maximum surrender charge equal to
the lesser of (a) or (b) where (a) equals 50% of the total premiums paid under the
Policy and (b) equals a percentage of the Surrender Charge Premium. Surrender
charges are not applicable on full surrenders of the policy for its ACSV.
For example, if you were to withdraw $100,000 during the first 10 years after your
policy purchase, the ACSV was not available, and your total premiums paid were
$100,000, then you could be assessed a charge of up to $50,000 on the amount
withdrawn.
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy – Transaction Charges.
Surrender Charge Phaseout Period, Years | yr 10
Surrender Charge (of Other Amount) Maximum [Percent] 50.00%
Surrender Charge Example Maximum [Dollars] $ 50,000
Transaction Charges [Text Block]
Transaction Charges
In addition to surrender charges for early withdrawals, you may be charged for other
transactions. These include surrender charges for Face Amount decreases,
Premium Expense Charges (deducted from each premium payment), and charges if
you exercise the Living Benefits Rider or the Overloan Protection Rider. A conditional
premium payment may be required if you exercise the Insurance Exchange Rider. A
withdrawal fee may apply if you make a withdrawal from the Premium Deposit
Account.
We reserve the right to impose partial surrender fees, transfer charges (when you
transfer Cash Value between Investment Options), and a returned payment (bad
check) fee, but we currently do not impose these charges.
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy – Deductions From Premium Payments; Charges
Associated with the Policy – Transaction Charges.
Ongoing Fees and Expenses [Table Text Block]
Ongoing Fees and
Expenses (annual charges)
In addition to surrender charges and transaction charges, an investment in the policy
is subject to certain ongoing fees and expenses. Some of these charges, such as the
Cost of Insurance Charge, the Administrative Charge, and certain rider charges
(for optional benefits), are set based on individual characteristics of the insured (e.g.,
age, gender, and rating classification). Other ongoing charges include the Contract
Charge, the Mortality and Expense Risk Charge, loan interest, and certain rider
charges. Please refer to your Policy Specifications Page for rates and the specific
fees applicable to your policy.
Investors will also bear expenses associated with the Eligible Portfolios (portfolio
companies), as shown in the following table, which shows the minimum and
maximum total operating expenses deducted from Fund assets (before any fee
waiver or expense reimbursement) during the year ended December 31, 2025 and
which may change from year to year.
 
Portfolios’ Annual Operating Expenses (expenses that are deducted from
Portfolio assets)
 
Annual Fee
Minimum
Maximum
 
Investment Options
(Eligible Portfolio fees
and expenses)
0.12%
1.31%
 
For more detailed information, see the Prospectus, Table of Fees and Expenses;
Charges Associated with the Policy; and Appendix: Eligible Portfolios Available Under
the Policy for our list of available Eligible Portfolios, the current expenses for these
Portfolios, and the Average Annual Total Returns.
Investment Options (of Other Amount) Minimum [Percent] 0.12%
Investment Options (of Other Amount) Maximum [Percent] 1.31%
Risks [Table Text Block]
 
Risks
Risk of Loss
You can lose money by investing in this policy, including loss of your premiums
(principal).
For more detailed information, see the Prospectus, Summary of Principal Risks of
Investing in the Policy; Management and Organization – About the Separate Account.
Not a Short-Term
Investment
This policy is not designed for short-term investing and is not appropriate for an
investor who needs ready access to cash.
The policy is designed to provide a Life Insurance Benefit or to help meet other
long-term financial objectives. Substantial fees, expenses, and tax implications in the
early years of the policy make variable life insurance unsuitable as a short-term
savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of
the Cash Value through partial surrenders or loans.
For more detailed information, see the Prospectus, Summary of Principal Risks of
Investing in the Policy; Loans; and Surrenders–Partial Surrenders–Amount Available
for a Partial Surrender.
Risks Associated with
Investment Options
•An investment in this policy is subject to the risk of poor investment performance of
the Eligible Portfolios (portfolio companies) you choose, and the value of an
investment can vary depending on the performance of the Eligible Portfolios.
•Each investment option (the Eligible Portfolios and the Fixed Investment Options)
has its own unique risks. The performance of the Eligible Portfolios will vary, and
some are riskier than others.
•A discussion of the risks of allocating your premiums or Cash Value to one or more
Eligible Portfolios can be found in the prospectuses for the Eligible Portfolios, which
are available at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus. You
should review the prospectuses for the Eligible Portfolios before making an
investment decision.
For more detailed information, see the Prospectus, Summary of Principal Risks of
Investing in the Policy; Management and Organization – About the Separate Account.
Insurance Company Risks
An investment in the policy is subject to the risks related to New York Life Insurance
and Annuity Corporation (NYLIAC), including:
 ○Any obligations (including the Fixed Account and the DCA Accounts),
guarantees, and benefits of the policy are subject to the claims-paying ability and
financial strength of NYLIAC.
 ○There are risks relating to NYLIAC’s administration of the policy, including
cybersecurity and infectious disease outbreak risks.
 ○If NYLIAC experiences financial distress, it may not be able to meet its
obligations to you. More information about NYLIAC, including its financial
strength ratings, is available upon request from NYLIAC at 1-800-598-2019.
For more detailed information, see the Prospectus, Management and Organization;
Financial Statements; Summary of Principal Risks of Investing in the Policy–
Insurance Company Risks; Risks Affecting Our Administration of the Policy.
Contract Lapse
Your policy can lapse even if you pay all of the planned premiums on time. When a
policy lapses, it has no value, and no benefits are paid upon the death of the insured.
You may also lose the principal invested. A policy can lapse if the Cash Surrender
Value is insufficient to pay the Monthly Deduction Charges and other charges. This
can happen due to insufficient premium payments, poor investment performance,
partial surrenders, unpaid loans or loan interest, and policy charges (including
increases in those charges). The larger a policy loan becomes relative to the policy’s
Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will
not be sufficient to support the policy’s charges and expenses, including any loan
interest due, and the greater the risk of the policy lapsing. A policy lapse may have
tax consequences.
A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction
Charges and other charges, or that is otherwise minimally funded, is less likely to
maintain its Cash Surrender Value due to market fluctuation and other performance
related risks. To continue to keep your policy in force when the Guarantee Period
ends, premium payments significantly higher than the premium necessary to maintain
the No Lapse Guarantee benefit may be required.
If the policy lapses, there are costs and premium requirements associated with
reinstatement of the policy.
For more detailed information, see the Prospectus, Summary of Principal Risks of
Investing in the Policy; Termination and Reinstatement; Premiums - Risk of Minimally
Funded Policies.
Investment Restrictions [Text Block] •You can select a maximum of 21 Investment Options among the available Investment Divisions (that invest in the Eligible Portfolios), the Fixed Account and/or the DCA Accounts.•The minimum amount that you can transfer is $500. The maximum amount that you can transfer out of the Fixed Account in any Policy Year is the greater of (a) 20% of the amount in the Fixed Account at the beginning of the Policy Year, or (b) $5,000.•NYLIAC reserves the right to remove, substitute or close to investors any Eligible Portfolios (portfolio companies) as Investment Options that are available under the policy.•We set limits on the number of electronic or telephonic transfer requests that can be made in any period. If these limits are exceeded, any subsequent transfer requests must be made by U.S. mail or overnight courier.•In addition, we may limit your ability to make transfers involving the Investment Divisions if a transfer may disadvantage or potentially harm or hurt the rights of other policyowners in order to prevent market timing. We will also reject, reverse, or modify a transfer request if for any reason any of the Eligible Portfolios do not accept the purchase of its shares.For more detailed information, see the Prospectus, Descriptions of the Policy - Investment Divisions, the Fixed Account and the DCA Accounts; Descriptions of the Policy - Transfers Among the Investment Divisions, the Fixed Account and the DCA Accounts; Description of the Policy – Limits on Transfers; and Appendix: Eligible Portfolios Available Under the Policy for our list of available Eligible Portfolios.
Optional Benefit Restrictions [Text Block] •We may modify or discontinue offering an optional benefit at any time.•There are limitations on the benefit amounts associated with some optional benefits.•Activation of certain optional benefits may affect the Face Amount, life insurance proceeds or other rights under the policy.•Some optional benefits have Policy Year limitations and/or age requirements.•Some optional benefits may have tax implications.•Some optional benefits may not be used together.•We may change these restrictions in the future.For more detailed information, see the Prospectus, Descriptions of the Policy—Additional Benefits Through Riders and Options.
Tax Implications [Text Block] •Consult with a tax professional to determine the tax implications of an investment in and payments received under this policy.•Earnings on your policy (if any) are taxed when you withdraw them (or if a policy loan is not repaid), at ordinary income tax rates, and may be subject to a tax penalty before age 59 ½.For more detailed information, see the Prospectus, Summary of Principal Risks of Investing in the Policy–Tax Risks; Federal Income Tax Considerations.
Investment Professional Compensation [Text Block] Your investment professional may receive compensation for selling this policy to you, in the form of commissions, asset-based compensation, allowances for expenses, and other compensation programs, and because NYLIAC may share the revenue it earns on this policy with the professional’s firm. (Your investment professional may be your registered representative, broker, investment adviser, insurance agent, or someone else).These investment professionals may have a financial incentive to recommend this policy over another policy or investment.For more detailed information, see the Prospectus, Distribution and Compensation Arrangements.
Exchanges [Text Block] Some investment professionals may have a financial incentive to offer you a new policy in place of the one you own. You should only exchange your policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own your existing policy. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy.For more detailed information, see the Prospectus, Description of the Policy–Tax-Free “Section 1035” Insurance Policy Exchanges.
Item 4. Fee Table [Text Block] Table of Fees and Expenses
The following tables describe the fees and expenses that you will pay when buying, owning and surrendering the Policy or making partial surrenders. Please refer to your Policy Specifications Page for information about the guaranteed maximum fees you will pay each year based on the options you have elected. Please refer to “State Variations and Rider Availability” in the Prospectus for any fees that may differ from the general description provided below.The first table describes the fees and expenses that you will pay when you make a premium payment, surrender the policy, make a partial surrender, transfer Cash Value between Investment Options, or exercise certain rider options. 
Transaction Fees
Charge
When charge Is Deducted
Amount Deducted
Premium Expense Charge1
When premium payment is applied
Guaranteed Maximum: 8.0% of
premiums paid
Current: 4.0% of premiums paid
Deferred Sales Charge2
 
 
•Surrender
On Surrender or lapse during the
applicable Surrender Charge Period;
On Face Amount decreases within
the applicable Surrender Charge
Period;
After a Surrender, Lapse or Face
Amount decrease during the
applicable Surrender Charge Period
Minimum and Maximum
Guaranteed Charge3:
$11.57—$42.18 per $1000 of Face
Amount
Minimum and Maximum Current
Charge: $11.57—$42.18 per $1000
of Face Amount
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier rating) for $250,000 of
Face Amount
 
$22.17 per $1000 of Face Amount
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 of Face Amount
 
$22.17 per $1000 of Face Amount
Partial Surrender Fee
At time of partial surrender
Guaranteed Maximum: $25
Current: $0
Transfer Charge
At time of transfer
Guaranteed Maximum: $30 per
transfer in excess of 12 transfers
within a Policy Year
Current: $0
Returned Payment (Bad Check) Fee
At time payment is returned
Guaranteed Maximum: $20
Current: $0
Living Benefits Rider Fee
When you exercise the benefit
$150 (one time)
Overloan Protection Rider Fee(4)
When you exercise the benefit
Guaranteed Maximum of the
Policy’s Cash Value: 8.5%
Minimum Guaranteed of the
Policy’s Cash Value: 1.0%
Transaction Fees
Charge
When charge Is Deducted
Amount Deducted
Maximum Guaranteed Charge for a
Representative Investor with Attained
Age 87
 
5.5% of Cash Value
Current Charge for a Representative
Investor with Attained Age 87
 
5.5% of Cash Value
Premium Deposit Account
Withdrawal Fee
At time of withdrawal from the
Premium Deposit Account
Guaranteed Maximum: 10% of the
withdrawal
Insurance Exchange Rider
When you exercise the benefit
A one-time payment equal to 103%
of the excess amount of the Cash
Surrender Value of the new policy
over the Cash Surrender Value of
the existing policy at the time of
exercise. If there is not excess
amount, the one-time fee will not
be charged.5
1The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.2Exceptions to Surrender Charge. We will not deduct a surrender charge if: ●If you fully surrender the Policy for the ACSV while the ACSV is available. ●We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); ●We pay proceeds upon the death of the insured; ●We pay a required Internal Revenue Service minimum distribution; or ●The policy is out of the Surrender Charge Period. 3The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.4This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. 5If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policyThe next table describes the fees and expenses that you will pay periodically during the time that you own the policy, excluding the Eligible Portfolios’ fees and expenses. 
Periodic Charges Other Than Portfolios’ Annual Operating Expenses
Charge
When Charge Is Deducted
Amount Deducted
Contract Charge
Monthly to Age 121
Guaranteed Maximum: $15 per
month
Current: $10 per month
Cost of Insurance Charge1
Monthly to Age 121
Charge per month per $1000 of
Net Amount at Risk
Minimum and Maximum
Guaranteed Charge:
$0.0067—$83.33
Minimum and Maximum Current
Charge: $0.0067—$66.477
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier Rating) for $250,000
Face Amount
 
$0.17186 per month for the first
Policy Year
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 Face Amount
 
$0.03117 per month for the first
Policy Year.
Mortality & Expense
Risk Charge
Each Monthly Deduction Day
Guaranteed Maximum: 0.75%
charged as an annual percentage
of the Separate Account Value
Current: 0.00% charged as an
annual percentage of the Separate
Account Value
Administrative
Charge1
Each Monthly Deduction Day
Charge per $1000 of Face Amount
Guaranteed Maximum: $0.75 per
month
Minimum: $0.04 per month. 
Charge for a Representative Investor
(Male, Age 40, Premier Rating) for
$250,000 of initial Face Amount
 
$0.22275 per month.
(Initial Charge is based on the
Issue Age, gender, class of risk
and initial Face Amount at issue)
Loan Interest
Accrues daily and compounds
annually (while loan balance is
outstanding)2
Annual charge rate as percentage
of the loan
Guaranteed Maximum: 6.00%
Current: 3.00%3
1This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.2Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. 3The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.Eligible Portfolios’ Annual Operating ExpensesThe next table shows the minimum and maximum total operating expenses deducted from Portfolio assets during the year ended December 31, 2025. Portfolio expenses may change from year to year, and hence may be higher or lower in the future. You may pay these expenses periodically during the time that your Cash Value is invested in the Investment Divisions of the Separate Account. A complete list of the underlying Eligible Portfolios, including information concerning each underlying Portfolio’s annual fees and expenses, is contained in an Appendix at the back of this prospectus. 
Annual Portfolio Expenses1
Minimum
Maximum
Total Annual Portfolio Operating Expenses (expenses that are
deducted from portfolio assets, including management fees, distribution
(12b-1) fees, and other expenses)
0.12%
1.31%
Net Annual Portfolio Operating Expenses (expenses that are deducted
from portfolio assets, including management fees, distribution (12b-1) fees,
and other expenses, after any expense reimbursement or fee waiver
arrangements)2
0.12%
1.16%
1Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.2The range of Net Annual Portfolio Operating Expenses takes into account contractual arrangements for the Portfolios that require a Portfolio’s investment adviser to reimburse or waive portfolio expenses through at least April 30, 2027.
Transaction Expenses [Table Text Block] The first table describes the fees and expenses that you will pay when you make a premium payment, surrender the policy, make a partial surrender, transfer Cash Value between Investment Options, or exercise certain rider options. 
Transaction Fees
Charge
When charge Is Deducted
Amount Deducted
Premium Expense Charge1
When premium payment is applied
Guaranteed Maximum: 8.0% of
premiums paid
Current: 4.0% of premiums paid
Deferred Sales Charge2
 
 
•Surrender
On Surrender or lapse during the
applicable Surrender Charge Period;
On Face Amount decreases within
the applicable Surrender Charge
Period;
After a Surrender, Lapse or Face
Amount decrease during the
applicable Surrender Charge Period
Minimum and Maximum
Guaranteed Charge3:
$11.57—$42.18 per $1000 of Face
Amount
Minimum and Maximum Current
Charge: $11.57—$42.18 per $1000
of Face Amount
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier rating) for $250,000 of
Face Amount
 
$22.17 per $1000 of Face Amount
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 of Face Amount
 
$22.17 per $1000 of Face Amount
Partial Surrender Fee
At time of partial surrender
Guaranteed Maximum: $25
Current: $0
Transfer Charge
At time of transfer
Guaranteed Maximum: $30 per
transfer in excess of 12 transfers
within a Policy Year
Current: $0
Returned Payment (Bad Check) Fee
At time payment is returned
Guaranteed Maximum: $20
Current: $0
Living Benefits Rider Fee
When you exercise the benefit
$150 (one time)
Overloan Protection Rider Fee(4)
When you exercise the benefit
Guaranteed Maximum of the
Policy’s Cash Value: 8.5%
Minimum Guaranteed of the
Policy’s Cash Value: 1.0%
Transaction Fees
Charge
When charge Is Deducted
Amount Deducted
Maximum Guaranteed Charge for a
Representative Investor with Attained
Age 87
 
5.5% of Cash Value
Current Charge for a Representative
Investor with Attained Age 87
 
5.5% of Cash Value
Premium Deposit Account
Withdrawal Fee
At time of withdrawal from the
Premium Deposit Account
Guaranteed Maximum: 10% of the
withdrawal
Insurance Exchange Rider
When you exercise the benefit
A one-time payment equal to 103%
of the excess amount of the Cash
Surrender Value of the new policy
over the Cash Surrender Value of
the existing policy at the time of
exercise. If there is not excess
amount, the one-time fee will not
be charged.5
1The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.2Exceptions to Surrender Charge. We will not deduct a surrender charge if: ●If you fully surrender the Policy for the ACSV while the ACSV is available. ●We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); ●We pay proceeds upon the death of the insured; ●We pay a required Internal Revenue Service minimum distribution; or ●The policy is out of the Surrender Charge Period. 3The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.4This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. 5If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policy
Premium Taxes, Description [Text Block] Premium Expense Charge
Premium Taxes, When Deducted [Text Block] When premium payment is applied
Premium Taxes (of Premium Payments), Maximum [Percent] 8.00%
Premium Taxes (of Premium Payments), Current [Percent] 4.00%
Premium Taxes, Footnotes [Text Block] The current Premium Expense Charge includes a state premium tax component of 2.00%; a sales expense component of 0.75%; and, as a non-qualified policy, a federal tax component of 1.25% is also included.
Deferred Sales Charge, Description [Text Block] Deferred Sales Charge
Deferred Sales Charge, When Deducted [Text Block] On Surrender or lapse during the applicable Surrender Charge Period;On Face Amount decreases within the applicable Surrender Charge Period;After a Surrender, Lapse or Face Amount decrease during the applicable Surrender Charge Period
Deferred Sales Load (of Amount Surrendered), Maximum [Percent] 42.18%
Deferred Sales Load (of Amount Surrendered), Current [Percent] 42.18%
Deferred Sales Load (of Amount Surrendered), Minimum [Percent] 11.57%
Deferred Sales Load, Footnotes [Text Block]
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier rating) for $250,000 of
Face Amount
 
$22.17 per $1000 of Face Amount
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 of Face Amount
 
$22.17 per $1000 of Face Amount
Exceptions to Surrender Charge. We will not deduct a surrender charge if: ●If you fully surrender the Policy for the ACSV while the ACSV is available. ●We cancel the policy (other than policy lapse) pursuant to the Policy’s contestability provisions (See Additional Policy Provisions—Limits on Our Rights to Challenge Your Policy); ●We pay proceeds upon the death of the insured; ●We pay a required Internal Revenue Service minimum distribution; or ●The policy is out of the Surrender Charge Period. 3The Guaranteed Maximum charge illustrated above is for a Male, Age 60, Quality Rating and a $10,000 planned premium. Your surrender charge will be the lesser of 50% of total premiums paid under the policy or a percentage of the Surrender Charge Premium applicable to the Policy Year. The percentage of the Surrender Charge Premium applicable by Policy Year is: 94% for Policy Year 1; 89% for Policy Year 2; 84% for Policy Year 3; 79% for Policy Year 4; 74% for Policy Year 5; 62% for Policy Year 6; 49% for Policy Year 7; 36% for Policy Year 8; 23% for Policy Year 9, 10% for Policy Year 10 and 0% for Policy Year 11 and beyond. See “Charges Associated with the Policy — Transaction Charges — Surrender Charges” in the full prospectus for more information on the calculation of Surrender Charges. The Surrender Charge Premium varies based on individual characteristics, such as gender, Issue Age, and Policy Year. The charge shown may not be representative of what you will pay. To obtain more information about particular changes as they apply to your policy, please contact your registered representative. For a Face Amount decrease, the Surrender Charge is equal to the difference between (1) and (2), where (1) is the Surrender Charge calculated on the original Face Amount, and (2) is the Surrender Charge calculated on the new decreased Face Amount.
Other Surrender Fees, Description [Text Block] Partial Surrender Fee
Other Surrender Fees, When Deducted [Text Block] At time of partial surrender
Other Surrender Fees, Maximum [Dollars] $ 25
Other Surrender Fees, Current [Dollars] $ 0
Transfer Fees, Description [Text Block] Transfer Charge
Transfer Fees, When Deducted [Text Block] At time of transfer
Transfer Fee, Maximum [Dollars] $ 30
Transfer Fee, Current [Dollars] $ 0
Periodic Charges [Table Text Block] The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, excluding the Eligible Portfolios’ fees and expenses. 
Periodic Charges Other Than Portfolios’ Annual Operating Expenses
Charge
When Charge Is Deducted
Amount Deducted
Contract Charge
Monthly to Age 121
Guaranteed Maximum: $15 per
month
Current: $10 per month
Cost of Insurance Charge1
Monthly to Age 121
Charge per month per $1000 of
Net Amount at Risk
Minimum and Maximum
Guaranteed Charge:
$0.0067—$83.33
Minimum and Maximum Current
Charge: $0.0067—$66.477
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier Rating) for $250,000
Face Amount
 
$0.17186 per month for the first
Policy Year
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 Face Amount
 
$0.03117 per month for the first
Policy Year.
Mortality & Expense
Risk Charge
Each Monthly Deduction Day
Guaranteed Maximum: 0.75%
charged as an annual percentage
of the Separate Account Value
Current: 0.00% charged as an
annual percentage of the Separate
Account Value
Administrative
Charge1
Each Monthly Deduction Day
Charge per $1000 of Face Amount
Guaranteed Maximum: $0.75 per
month
Minimum: $0.04 per month. 
Charge for a Representative Investor
(Male, Age 40, Premier Rating) for
$250,000 of initial Face Amount
 
$0.22275 per month.
(Initial Charge is based on the
Issue Age, gender, class of risk
and initial Face Amount at issue)
Loan Interest
Accrues daily and compounds
annually (while loan balance is
outstanding)2
Annual charge rate as percentage
of the loan
Guaranteed Maximum: 6.00%
Current: 3.00%3
1This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.2Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. 3The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.
Insurance Cost, Description [Text Block] Cost of Insurance Charge
Insurance Cost, When Deducted [Text Block] Monthly to Age 121
Insurance Cost, Representative Investor [Text Block]
Maximum Guaranteed Charge for a
Representative Investor (Male, Age
40, Premier Rating) for $250,000
Face Amount
 
$0.17186 per month for the first
Policy Year
Current Charge for a Representative
Investor (Male, Age 40, Premier
Rating) for $250,000 Face Amount
 
$0.03117 per month for the first
Policy Year.
Insurance Cost (of Other Amount), Maximum [Percent] 83.33%
Insurance Cost (of Other Amount), Minimum [Percent] 0.0067%
Mortality Risk Fees (of Face Amount), Current [Percent] 0.00%
Expense Risk Fees, Description [Text Block] AdministrativeCharge
Expense Risk Fees, When Deducted [Text Block] Each Monthly Deduction Day
Expense Risk Fees, Representative Investor [Text Block]
Charge for a Representative Investor
(Male, Age 40, Premier Rating) for
$250,000 of initial Face Amount
 
$0.22275 per month.
(Initial Charge is based on the
Issue Age, gender, class of risk
and initial Face Amount at issue)
Expense Risk Fees (of Face Amount), Maximum [Percent] 0.75%
Expense Risk Fees (of Face Amount), Minimum [Percent] 0.04%
Mortality and Expense Risk Fees, Description [Text Block] Mortality & ExpenseRisk Charge
Mortality and Expense Risk Fees, When Deducted [Text Block] Each Monthly Deduction Day
Mortality And Expense Risk Fees (of Face Amount), Maximum [Percent] 0.75%
Administrative Expenses, Description [Text Block] Contract Charge
Administrative Expenses, When Deducted [Text Block] Monthly to Age 121
Administrative Expense, Maximum [Dollars] $ 15
Administrative Expense, Current [Dollars] $ 10
Administrative Expense, Footnotes [Text Block] This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative.
Annual Portfolio Company Expenses [Table Text Block] Eligible Portfolios’ Annual Operating ExpensesThe next table shows the minimum and maximum total operating expenses deducted from Portfolio assets during the year ended December 31, 2025. Portfolio expenses may change from year to year, and hence may be higher or lower in the future. You may pay these expenses periodically during the time that your Cash Value is invested in the Investment Divisions of the Separate Account. A complete list of the underlying Eligible Portfolios, including information concerning each underlying Portfolio’s annual fees and expenses, is contained in an Appendix at the back of this prospectus. 
Annual Portfolio Expenses1
Minimum
Maximum
Total Annual Portfolio Operating Expenses (expenses that are
deducted from portfolio assets, including management fees, distribution
(12b-1) fees, and other expenses)
0.12%
1.31%
Net Annual Portfolio Operating Expenses (expenses that are deducted
from portfolio assets, including management fees, distribution (12b-1) fees,
and other expenses, after any expense reimbursement or fee waiver
arrangements)2
0.12%
1.16%
1Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.2The range of Net Annual Portfolio Operating Expenses takes into account contractual arrangements for the Portfolios that require a Portfolio’s investment adviser to reimburse or waive portfolio expenses through at least April 30, 2027.
Portfolio Company Expenses [Text Block] Total Annual Portfolio Operating Expenses (expenses that are deducted from portfolio assets, including management fees, distribution (12b-1) fees, and other expenses)
Portfolio Company Expenses Minimum [Percent] 0.12%
Portfolio Company Expenses Maximum [Percent] 1.31%
Portfolio Company Expenses, Footnotes [Text Block] Expressed as a percentage of average net assets for the fiscal year ended December 31, 2025. Portfolio expenses may be higher or lower in the future. This information is provided by the Portfolios and their agents. The information is based on 2025 expenses.
Item 5. Principal Risks [Table Text Block] Summary of Principal Risks of Investing in the Policy
Many benefits of the Market Wealth Plus life insurance policies have a corresponding risk, and both benefits and risks should be considered before you purchase the Policy. More complete and detailed information about the features of the Policy is provided in this prospectus and in the SAI. See “Overview of the Policy—3. Summary of Primary Features.” Capitalized terms used in this prospectus have the same meaning as in the “Definitions” section above.Investment RiskWhile a variable policy has the potential for a higher rate of return than a fixed rate policy, investment returns on the assets in the Separate Account may decline in value, and you can lose principal. Each Investment Division has its own investment objective and investment strategy. The performance of each will vary, and some Investment Divisions are riskier than others. We do not guarantee the investment performance of the Investment Divisions or Eligible Portfolios. You bear the entire investment risk for all amounts allocated to the Separate Account Investment Divisions. Your premium and Cash Value allocation choices should be consistent with your personal investment objective and your risk tolerance.Not a Short-Term InvestmentIn addition, a variable life insurance policy is designed to provide a Life Insurance Benefit or to help meet other long-term financial objectives. Substantial fees, expenses, and tax implications generally make variable life insurance unsuitable as a short-term savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of the Cash Value through partial surrenders. (See “Loans”, and “Surrenders—Partial Surrenders—Amount Available for a Partial Surrender”.)Portfolio RisksThe Investment Divisions involve the risk of poor investment performance. A discussion of the risks of allocating Cash Value to each of the Investment Divisions can be found in the corresponding Fund’s prospectus.Risk of Lapse (especially on minimally-funded policies)Your policy can lapse even if you pay all of the planned premiums on time. When a policy lapses, it has no value, and no benefits are paid upon the death of the insured. You may also lose the principal invested. Note that termination and lapse have the same meaning and effect throughout this prospectus. A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction Charges and other charges, or that is otherwise minimally funded, is less likely to maintain its Cash Surrender Value due to market fluctuation and other performance related risks. To continue to keep your policy in force when the Guarantee Period ends, premium payments significantly higher than the premium necessary to maintain the No Lapse Guarantee benefit may be required. In addition, by paying only the minimum required monthly premium for the No Lapse Guarantee, you may forego the opportunity to build up significant Cash Value in the policy. When initially determining the amount of your planned premium payments, you should consider funding your policy at a level that has the potential to maximize the investment opportunities within your policy and to minimize the risks associated with market fluctuations.Risk of Lapse from Policy LoansThe larger a policy loan becomes relative to the policy’s Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the policy lapsing. Any loan interest payable on a policy anniversary that you do not pay will become part of the outstanding policy loan principal and will also accrue interest. A loan, repaid or not, has a permanent effect on your Cash Value. The effect could be favorable if the Investment Divisions earn less than the interest rate credited on the loan amount in the Loan Account, or unfavorable, if the Investment Divisions earn more. The longer a loan is outstanding, the greater the effect on your Cash Value. If it is not repaid, the aggregate amount of the outstanding loan principal and any accrued interest will reduce the Life Insurance Proceeds that might otherwise be paid. Unless your policy qualifies as a modified endowment contract, policy loans are not taxable. However, if loans taken, including unpaid loan interest, exceed the premiums paid, a policy surrender or lapse will result in a taxable event for you. If a policy is a modified endowment contract, a loan may result in taxable income and penalty taxes to you.Limitations on Access to Cash Value (Liquidity Risk)The Policy is generally not a liquid investment. Surrender charges will apply during the Surrender Charge Period. The policy is designed for long-term life insurance coverage. It is not suitable as a short-term investment vehicle. There are limitations on your ability to access your cash value through full and partial surrenders, including surrender charges, partial surrender fees, possible tax consequences, adverse impacts on policy benefits, increased risk of policy lapse, and administrative requirements. A partial surrender will reduce your policy’s Cash Value by the amount withdrawn. If the policy’s Cash Surrender Value is reduced to a point where it cannot meet the Monthly Deduction Charges, your policy may lapse and terminate. A partial surrender may also reduce your policy’s Face Amount and may have adverse tax consequences. Accessing Cash Value through policy loans also has costs, increases the risk of policy lapse, may have adverse tax consequences, and may negatively impact your Cash Value and other policy benefits.Tax RisksThe section of this prospectus entitled “Federal Income Tax Considerations” describes a number of tax issues that may arise in connection with the policy. These risks include: (1) the possibility that the IRS may interpret the rules that apply to variable universal life insurance contracts in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as life insurance for tax purposes; (3) the possibility that, as a result of policy transactions, including the payment of premiums or increases or decreases in policy benefits, the policy may be treated as a modified endowment contract for federal income tax purposes, with special rules that apply to policy distributions, including loans; (4) in general, the possibility that the policy may not qualify as life insurance under the federal tax law after the insured becomes age 100 and that the owner may be subject to adverse tax consequences at that time; (5) whether and to what extent the Life Insurance Benefit may be received on a tax-free basis in the case of employer-owned life insurance contracts; and (6) the possibility that the IRS may treat a loan as a taxable distribution if there is no spread, or a very small spread, between the interest rate charged on the loan and the interest rate credited on the loaned amount. In addition, Congress may change the present federal income tax laws that apply to your policy, or the IRS may change current interpretations thereof, which change may occur without notice, and could have retroactive effects, regardless of the date of enactment or publication, as the case may be.Potential for Increased ChargesThe actual charges deducted are current charges on your policy. However, we have the right to increase those charges at any time up to the guaranteed maximum charges specified in the fee table and as stated in your policy. (See “Table of Fees and Expenses” for more information.)Potentially Harmful Transfer ActivityThis policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity (see “Description of the Policy—Limits on Transfers” for more information). We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things: ●portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective; ●increased administrative and Fund brokerage expenses; and/or ●dilution of the interests of long-term investors. An underlying Fund portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby preventing us from implementing your request for a transfer. (See “Description of the Policy—Limits on Transfers” for more information on the risks of frequent trading.)Potential for Low Crediting RatesThe rates we declare on the Fixed Account, DCA Accounts and Loan Account may be lower than what you would find acceptable.Insurance Company Risks; Risks Affecting our Administration of Your PolicyNYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyber-attack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See “Management and Organization—Information Systems Failures and Cybersecurity Risks” for more information on information systems failures and cybersecurity risks and “Management and Organization—Risks from Serious Infectious Disease Outbreaks” for more information on risks from serious infectious disease outbreaks.) NYLIAC’s obligations under the policy are subject to its claims-paying ability and financial strength, and are not backed or guaranteed by NYLIC.
Item 10. Standard Death Benefits (N-6) [Table Text Block] Policy Payment Information
When Life Insurance Coverage BeginsIf you have coverage under a conditional temporary agreement and if the policy is issued, the policy will replace the temporary coverage. Your coverage under the policy will be deemed to have begun on the Policy Date. In all other cases, if the policy is issued, coverage under the policy will take effect when we receive the full Initial Premium payment in Good Order that you are required to make when the policy is delivered to you. You can call 1-800-598-2019 to determine if we have received your premium payment. The monthly deduction of charges will begin on the first Monthly Deduction Day, which will be the monthly anniversary of the Policy Date on or following the later of the Issue Date or the date we receive the full Initial Premium payment in Good Order. If the Policy Date is prior to the later of the Issue Date or the date we receive the full Initial Premium payment, the deductions made on the first Monthly Deduction Day will cover the period from the Policy Date until the first Monthly Deduction Day.Changing The Face Amount Of Your PolicyUnder certain circumstances, you may decrease the Face Amount of your Policy subject to the minimum Face Amount limitations shown in the Additional Policy Information section of your Policy Specifications Pages. If you decrease the Face Amount, you may be subject to increased Cost of Insurance Rates which in no event will be higher than the Maximum Cost of Insurance Rates in your Policy Specifications Pages. The Face Amount of your policy affects the Life Insurance Benefit to be paid. To decrease the Face Amount of your policy, you must send a Request. You should consider the following possible consequences when decreasing the Face Amount of your policy: ●a change in the total policy cost of insurance charge; ●a surrender charge applicable to the amount of the decreased Face Amount; and ●adverse tax consequences. For more information about changing the Face Amount of your policy, see the SAI.Life Insurance ProceedsWe will pay proceeds to your beneficiary when we receive satisfactory proof that the insured died. These proceeds will equal: 1)the Life Insurance Benefit , valued as of the date of death; plus 2)any additional death benefits available under the riders you have chosen which have not already been reflected in the Life Insurance Benefit; minus 3)any outstanding loans (including any accrued loan interest as of the date of death) on the policy and any unpaid or deferred Monthly Deduction Charges. We will pay interest on these proceeds from the date the insured died until the date we pay the proceeds. See “Policy Payment Information—Life Insurance Benefit ” for more information. Every state has unclaimed property laws, which generally declare a life insurance policy to be abandoned after a period of inactivity of three to five years from the contract’s maturity date or the date the life insurance benefit is due and payable. For example, if the payment of a life insurance benefit has been triggered, but, if after a thorough search, we are unable to locate the beneficiary of the life insurance benefit, or the beneficiary does not come forward to claim the life insurance benefit in a timely manner, the life insurance benefit may be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or the insured last resided, as shown on our books and records, or to our state of domicile. This escheatment is revocable, however, and the state is obligated to pay the life insurance benefit (without interest) if your beneficiary steps forward to claim it with the proper documentation. To prevent such escheatment, it is important that you update your Beneficiary designation, including addresses, if and as they change. Please contact us at 1-800-598-2019 or send a Request to make such changes.PayeesThe beneficiary is the person(s) or entity(ies) you have specified on our records to receive the Life Insurance Proceeds from your policy. You have certain options regarding the policy’s beneficiary: ●You name the beneficiary when you apply for the policy. The beneficiary will receive the Life Insurance Proceeds after the insured dies. ●You can elect to have different classes of beneficiaries, such as primary and secondary, where these classes determine the order of payment. You may identify more than one beneficiary per class. ●To change a revocable beneficiary while an insured is living, you must either send a Request, or contact us online at www.newyorklife.com or through the mobile application. ●If no beneficiary is living when the insured dies, we will pay the Life Insurance Benefit Proceeds to you (the policyowner), or if you are deceased, to your estate, unless we have other instructions from you to do otherwise. You can name only those individuals who are able to receive payments on their own behalf as payees or successor payees, unless we agree otherwise. We may require proof of the age of the payee or proof that the payee is living. If we still have an unpaid amount, or there are some payments that still must be made when the last surviving payee dies, we will pay the unpaid amount with interest to the date of payment, or pay the present value of the remaining payments, to that payee’s estate. We will make this payment in one sum. The present value of the remaining payments is based on the interest rate used to compute them, and is always less than their sum.How Life Insurance Proceeds Will Be PaidThe Life Insurance Proceeds will be paid in a lump sum. After the death of the insured, we will pay the beneficiary a single check for the amount of the Life Insurance Proceeds. Any Life Insurance Proceeds paid in one sum will include interest compounded each year from the date of the insured’s death to the date of payment. We set the interest rate each year. This rate will be at least the rate required by law.When We Pay Life Insurance ProceedsIf the policy is still in effect, NYLIAC will pay any Cash Surrender Value or ACSV, partial surrenders, loan proceeds, or the Life Insurance Proceeds generally within seven days after we receive all of the necessary requirements in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). Under the following situations, payment of proceeds may be delayed: ●We may delay payment of any loan proceeds attributable to the Separate Account, any partial surrenders from the Separate Account, the policy’s Cash Surrender Value or the ACSV, if applicable, or the Life Insurance Proceeds during any period that: (1)we are unable to determine the amount to be paid because the NYSE is closed (other than customary weekend and holiday closings), trading is restricted by the SEC, an emergency exists, or an Eligible Portfolio suspends redemptions pursuant to SEC Rules 2a-7 or 22e-3 under the 1940 Act or otherwise; or (2)the SEC, by order, permits us to delay payment to protect our policyowners. ●We may delay payment of any portion of any loan or surrender request, including requests for partial surrenders, from the Fixed Account and/or the DCA Accounts for up to six months from the date we receive your request. ●We may delay payment of the entire Life Insurance Proceeds if we contest the payment. We investigate all death claims that occur within the two-year contestable period. Upon receiving information from a completed investigation, we will make a determination, within thirty-one (31) days, as to whether the claim should be authorized for payment. Payments are made promptly after the authorization. ●Federal laws made to combat terrorism and prevent money laundering by criminals might, in certain circumstances, require us to reject a premium payment and/or “freeze” a policy. If these laws apply in a particular policy(ies), we would not be allowed to pay any request for transfers, partial surrenders, surrenders, loans, or death benefits. If a policy or an account is frozen, the Cash Value would be moved to a special segregated interest-bearing account and held in that account until instructions are received from the appropriate federal regulator. ●If you have submitted a recent check or draft, we have the right to defer payment of any surrenders, loans, death benefit proceeds, or amounts due pursuant to the free look provision until such check or draft has been honored. It may take up to 15 days for a check to clear through the banking system. We add interest at an annual rate at least equal to the minimum amount required by law if we delay payment of a partial surrender or Cash Surrender Value  or ACSV for 30 days or more. We add interest to Life Insurance Benefit Proceeds from the date of death to the date of payment at a rate at least equal to the minimum amount required by law.Life Insurance BenefitThe Life Insurance Benefit of the Policy is equal to the greater of: The initial Face Amount of the Policy, minus any changes to the Face Amount in accordance with the provisions of this Policy; or A percentage of the sum of your Cash Value or, if available, the value of the ACSV, that is equal to the minimum amount necessary for your Policy to qualify as life insurance under IRC Section 7702 (the “Corridor Death Benefit”), as shown on your Policy Specifications Pages. We determine the Life Insurance Benefit as of the date of the insured’s death. Your Life Insurance Benefit may be greater if the policy’s Cash Value, multiplied by the Corridor Death Benefit, as described below, is greater than the Face Amount. Under IRC Section 7702, a policy will generally be treated as life insurance for federal tax purposes if, at all times, it meets either the GPT or the CVAT. This Policy is only available with CVAT. The CVAT does not have a premium limit on the amount of premium that can be paid into a policy, but does have a corridor component that requires that the Life Insurance Benefit be at least a certain percentage (varying based on age, gender, and class of risk of the insured) of the Cash Value. Tax law provisions relating to “employer-owned life insurance contracts” may impact whether and to what extent the Life Insurance Benefit may be received on a tax-free basis. You may be required to take certain actions before acquiring the Policy to ensure that such Benefit may be received on a tax-free basis. See the discussion under “Federal Income Tax Considerations—IRC Section 101(j)—Impact on Employer-Owned Policies” for more information.Additional Policy Provisions
Limits On Our Rights To Challenge Your PolicyGenerally, we must bring any legal action contesting the validity of your policy within two years of the Issue Date. If this policy ends and is reinstated, we will not contest the policy after it has been in effect during the lifetime of the insured for two years from the date of reinstatement. SuicideIf the death of the insured is a result of suicide within two years of the Issue Date, we will pay a limited life insurance benefit in one sum to the beneficiary. The limited life insurance benefit is the total amount of premiums, minus any outstanding loans (including accrued loan interest) and/or partial surrender benefits paid.Misstatement Of Age Or GenderIf the policy application misstates the insured’s age or gender, we will adjust the Cash Value, the Cash Surrender Value and the ACSV, if applicable, and the Life Insurance Benefit to reflect the correct age and gender. We will adjust the Life Insurance Proceeds provided by your policy based on the most recent mortality charge for the correct date of birth and gender.AssignmentWhile an insured is living, you can assign a policy as collateral for a loan or other obligation. In order for this assignment to be binding on us, we must receive a signed copy of such assignment in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). We are not responsible for the validity of any assignment. If your policy is a modified endowment contract, assigning your policy may result in taxable income to you. (See “Federal Income Tax Considerations” for more information.)
Item 11. Other Benefits Available (N-6) [Text Block] Additional Benefits Through Riders And OptionsSubject to jurisdictional availability, you can apply for additional benefits by selecting one or more optional riders. The Living Benefits Rider, Insurance Exchange Rider, Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider are available without any additional ongoing periodic charges. However, a one-time charge is assessed if the Living Benefits Rider or Overloan Protection Rider is exercised and a conditional premium payment may be required if the Insurance Exchange Rider is exercised. (See “Table of Fees and Expenses” for more information.) The Insurance Exchange Rider, Spouse’s Paid-Up Insurance Purchase Option Rider and Overloan Protection Rider can be elected only upon the issuance of the policy; the Living Benefits Rider can be elected at any time, subject to age and/or underwriting restrictions, provided they are available in your state of issue. Dollar-Cost Averaging, Dollar-Cost Averaging Plus Account (only available at issuance of the policy), Dollar-Cost Averaging Extension Account, Automatic Asset Rebalancing, Interest Sweep and Expense Allocation are options that are available without any additional ongoing costs. See “State Variations and Rider Availability” for a list of riders or options (if any) that may not be available in your state. Please note that the examples provided below are intended to illustrate the operation of the riders. The rates and values actually applicable to your policy will vary from those presented. 
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Dollar-Cost
Averaging
Dollar-Cost Averaging is a
systematic method of
investing that allows you to
purchase shares of the
Investment Divisions at
regular intervals in fixed
dollar amounts so that the
cost of your shares is
averaged over time.
Optional
•Dollar-Cost Averaging does
not assure growth or
protect against a loss in
declining markets.
•You may not make
Dollar-Cost Averaging
transfers from the Fixed
Account, but you can make
Dollar-Cost Averaging
transfers into the Fixed
Account.
•Your cash value must be
$2,500 or more to elect
Dollar-Cost Averaging and
it will be automatically
suspended if the Cash
Value is less than $2,000
on a transfer date.
•You may not elect
Dollar-Cost Averaging if
you have chosen
Automatic Asset
Rebalancing.
•This option is not available
with the Dollar-Cost
Averaging Plus Account or
Dollar-Cost Averaging
Extension Account.
Dollar-Cost
Averaging Plus
Account
The DCA Plus Program
allows you to make regular
periodic allocations from the
DCA Plus Account into the
Investment Divisions and/or
Fixed Account over the
twelve-month period
following the Initial Premium
Transfer Date. The DCA Plus
Account will credit interest to
the amount in the account at
Optional
•Use of the DCA Plus
Account does not assure
growth or protect against
loss in declining markets.
•The DCA Plus Account
must be elected at the time
your policy is issued.
•Because the entire initial
Premium is not in the DCA
Plus Account for the full
year, the annual effective
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
a rate, which we declare
periodically, in advance, and
at our sole discretion, but the
rate will never be less than
the GMIR.
 
rate will not be achieved.
•The entire initial Net
Premium, which must be a
minimum of $1,000, must
be allocated to the DCA
Plus Account.
•You cannot use traditional
Dollar-Cost Averaging or
Interest Sweep until such
time that the DCA Plus
Account is closed.
•The DCA Plus Account will
close automatically 12
months following the Initial
Premium Transfer Date, or
such time that the balance
in the DCA Plus Account
on a DCA Plus Transfer
Date falls below $100,
whichever is sooner.
•You cannot make transfers
into the DCA Plus Account.
Dollar-Cost
Averaging
Extension Account
After the completion of the
DCA Plus Program, the DCA
Extension Program allows
you to make regular periodic
allocations from the DCA
Extension Account to the
Investment Divisions and/or
Fixed Account when a single
premium payment of at least
$10,000 is made. The DCA
Extension Account will credit
interest to the amount in the
account at a rate, which we
declare periodically, in
advance, and at our sole
discretion, but the rate will
never be less than the GMIR.
Optional
•Use of the DCA Extension
Program does not assure
growth or protect against
loss in declining markets.
•Only available after the
completion of the DCA
Plus Program and in the
first 7 Policy Years.
•Because the entire initial
Premium is not in the DCA
Extension Account for the
full year, the annual
effective rate will not be
achieved.
•You cannot use traditional
Dollar-Cost Averaging or
Interest Sweep until such
time that the DCA
Extension Account is
closed.
•The cash value in the DCA
Extension Account must be
at least $100 for the
program to continue.
•You cannot make transfers
into this account.
Automatic Asset
Rebalancing
Automatically rebalances the
amount you have in the
Separate Account on a
Optional
•Your Separate Account
Value must be at least
$2,500 to elect this option.
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
schedule you select among
the Investment Divisions to
maintain a predetermined
percentage invested in the
Investment Division(s) you
have selected.
 
We will suspend this option
automatically if the
Separate Account Value is
less than $2,000 on a
rebalancing date.
•You may not elect
Automatic Asset
Rebalancing if you have
chosen Dollar-Cost
Averaging or any of the
Dollar-Cost Averaging
Accounts.
Interest Sweep
Automatically transfers
interest earned on the Fixed
Account to one or any
combination of Investment
Divisions.
Optional
•The value in the Fixed
Account must be at least
$2,500 to elect this option
and it will be automatically
suspended if the amount in
the Fixed Account falls
below $2,000.
•You cannot use this option
if you have instructed us to
pay any part of your policy
charges from the Fixed
Account.
•If you want to use this
option and allocate your
charges, your charges
must be allocated to the
NYLIM VP U.S.
Government Money Market
Investment Division.
•An Interest Sweep transfer
cannot cause more than
the greater of (i) $5,000 or
(ii) 20% of the amount you
have in the Fixed Account
at the beginning of the
Policy Year to be
transferred from the Fixed
Account.
•This option is not available
with the Dollar-Cost
Averaging Plus Account or
Dollar-Cost Averaging
Extension Account.
Expense Allocation
Option
You can choose how to
allocate certain Monthly
Deduction Changes from
your Cash Value.
Optional
•Expense Allocation is only
available from the Fixed
Account or the NYLIM VP
U.S. Government Money
Market Investment Division.
Premium Deposit
Allows you to fund up to 14
Optional
•Subject to jurisdictional
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Account (“PDA”)
annual Planned Premiums or
179 monthly Planned
Premiums through a lump
sum deposit into an
interest-bearing PDA. The
amount in the PDA earns
interest at a rate effective on
the date the PDA is opened
and that will not change for
the duration of the PDA.
 
requirements, the PDA may
be available to you through
an agreement and/or rider.
See “State Variations and
Rider Availability” for more
information.
•The amount you may fund
into the PDA may be
limited by the terms of the
PDA Agreement and/or
Rider.
•You may only make one
lump sum deposit into the
PDA.
•Use of the PDA does not
guarantee that the policy
will not lapse.
•There may be limits on
withdrawals from the PDA
and a withdrawal fee may
apply.
•Planned Premium mode
must be monthly or annual
and cannot be changed
during the duration of the
PDA.
•The Initial Premium must
be paid outside of the
PDA.
•The PDA can only be
elected within 45 days after
the Initial Premium is paid
into the policy.
No Lapse
Guarantee
This ensures that your policy
will remain in effect during
the Guarantee Period,
provided that your policy
premium payments satisfy
the No Lapse Guarantee
Premium Test on each
Monthly Deduction Day. This
benefit prevents your policy
from lapsing during the
Guarantee Period even if the
Cash Surrender Value is
insufficient to cover the
Monthly Deduction Charges
on a Monthly Deduction Day.
Standard
•The duration of the No
Lapse Guarantee is 10
years.
•The No Lapse Guarantee
will become inactive before
the end of the Guarantee
Period if, on any Monthly
Deduction Day, your
premium payments do not
pass the No Lapse
Guarantee Premium Test.
Living Benefits
Rider (filed as the
Accelerated
Advances a portion of the
Life Insurance Benefit
Proceeds upon Insured
Optional
•Minimum accelerated
benefit amount is $25,000.
•Maximum accelerated
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Benefits Rider)
having a life expectancy of
12 months or less.
 
benefit amount is $250,000
(total for all NYLIAC and
affiliated companies’
policies).
•A payment under this rider
will reduce your policy’s
Face Amount, rider death
benefits, monthly
deductions, Cash Value,
and any unpaid policy loan.
•There is a $150
administrative fee to
exercise the rider.
Spouse’s Paid-Up
Insurance Purchase
Option Rider
Allows a spouse who is the
beneficiary under the policy
to purchase a new paid-up
whole life insurance policy on
his or her own life without
evidence of insurability when
the insured dies.
Standard
•The maximum Face
Amount of the spouse’s
new paid-up whole life
policy is the lesser of
(1) the maximum amount
of the Life Insurance
Benefits Proceeds (before
any unpaid loan is
deducted), or (2)
$5,000,000.
Insurance
Exchange Rider
This rider allows you to
exchange the policy for a
new NYLIAC variable
universal life policy issued on
a new insured using the cash
values from your original
policy.
Standard
•You must provide evidence
of insurability on the new
insured and have an
insurable interest in the
new insured.
•You may be required to
make a conditional
premium payment to
exercise this rider.
•Exercising this rider will
have tax consequences.
•This rider may be
exercised only once.
Overloan Protection
Rider
When activated, the
Overloan Protection Rider
guarantees that your policy
will not lapse even if: (1) the
policy’s Cash Surrender
Value is insufficient to cover
the current Monthly
Deduction Charges or (2) the
policy’s outstanding loans
plus accrued loan interest
exceed its Cash Value.
Standard
To activate this rider, the
following conditions must be
met:
•The policy must be in effect
for at least 15 years.
•The insured must be at
least age 75.
•Any outstanding loan plus
accrued loan interest
exceeds the Face Amount
of the policy in effect at the
time of activation.
•Any outstanding loan plus
accrued loan interest must
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
 
 
be less than 99% of the
policy Cash Value after the
deduction of any surrender
charges and the one-time
rider charge.
•Activation of the rider
cannot cause the policy to
violate IRC Section 7702 at
any duration.
•Cumulative partial
surrenders taken must be
no less than the total
premiums paid under the
policy.
•Activation results in certain
changes to your policy,
including changes to the
face amount and a
reduction in the Life
Insurance Proceeds. In
addition, all other riders will
end, with the exception of
the Spouse’s Paid-Up
Insurance Purchase Option
Rider, all Cash Value will
be transferred to the Fixed
Account, and your ability to
make other policy changes
will be limited.
●Dollar-Cost AveragingDollar-Cost Averaging is a systematic method of investing which allows you to purchase shares of the Investment Division(s) at regular intervals in fixed dollar amounts so that the cost of your shares is averaged over time. The main objective of Dollar-Cost Averaging is to achieve an average cost per share that is lower than the average price per share in a fluctuating market. Because you transfer the same dollar amount to a given Investment Division with each transfer, you purchase more units in an Investment Division if the value per unit is low, and fewer units if the value per unit is high. Therefore, you may achieve a lower than average cost per unit if prices fluctuate over the long term. Similarly, for each transfer out of an Investment Division, you sell more units in an Investment Division if the value is low and fewer units if the value per unit is high. Dollar-Cost Averaging does not assure growth or protect against a loss in declining markets. Because it involves continuous investing regardless of price levels, you should consider your financial ability to continue investing during periods of low price levels. You may not make Dollar-Cost Averaging transfers from the Fixed Account, but you can make Dollar-Cost Averaging transfers into the Fixed Account. In addition, you cannot make transfers into the DCA Accounts. Transfers out of the DCA Plus Account are subject to the DCA Plus Program and transfers out of the DCA Extension Account are subject to the DCA Extension Program (see below). You can elect this option if your Cash Value is $2,500 or more. We will suspend this option automatically if the Cash Value is less than $2,000 on a transfer date. Once the Cash Value equals or exceeds $2,000, the Dollar-Cost Averaging transfers will resume automatically as last requested. To set up Dollar-Cost Averaging, you may contact us by phone on our toll-free number (1-800-598-2019) or send a completed Dollar-Cost Averaging form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus or by any other method we make available. We will make Dollar-Cost Averaging transfers on the date you specify, or if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month other than the 29th, 30th, or 31st of a month. NYLIAC must receive your Request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your Request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request in Good Order. You may cancel the Dollar-Cost Averaging option at any time. To cancel the Dollar-Cost Averaging option, you may call us toll-free at 1-800-598-2019, or send a Request (or by any other method we make available). You may not elect Dollar-Cost Averaging if you have chosen Automatic Asset Rebalancing . However, you have the option of alternating between Dollar-Cost Averaging and Automatic Asset Rebalancing. Dollar-Cost Averaging is not available when the DCA Plus Program or DCA Extension Program is in place.●Dollar-Cost Averaging Plus AccountThe DCA Plus Program allows you to make regular periodic allocations from the DCA Plus Account into the Investment Divisions and/or Fixed Account over the twelve-month period following the Initial Premium Transfer Date. The DCA Plus Account must be elected at the time your policy is issued. It involves the automatic transfer of a specified amount from the DCA Plus Account into the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. Subsequent premium payments received during the DCA Plus Transfer Period will be allocated similarly unless you direct us otherwise. The DCA Plus Account will credit interest at a rate, which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Plus Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Accounts, the Fixed Account, and to the Loan Account. Net Premium payments to the DCA Plus Account will receive the applicable interest rate in effect on the Business Day we receive that premium payment. Interest rates for subsequent premium payments into the DCA Plus Account may be different from the rate applied to prior premium payments made into the DCA Plus Account. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Plus Account only earn the DCA Plus Account interest rate while they are in the DCA Plus Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire Initial Premium is not in the DCA Plus Account for the full year, the annual effective rate will not be achieved. If you elect to participate in this program, the entire initial Net Premium, which must be a minimum of $1,000, must be allocated to the DCA Plus Account. Subsequent premiums received within 12 months following the Initial Premium Transfer Date will also be allocated to the DCA Plus Account unless you direct us otherwise. If you participate in the DCA Plus Account program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Plus Account is closed. The DCA Plus Account will close automatically 12 months following the Initial Premium Transfer Date, or such time that the balance in the DCA Plus Account on a DCA Plus Transfer Date falls below $100, whichever is sooner. Amounts in the DCA Plus Account will be transferred to the Investment Divisions and/or Fixed Account on the monthly anniversary following the Initial Premium Transfer Date. The amount of each transfer will be calculated at the time of the transfer based on the number of remaining monthly transfers and the remaining value in the DCA Plus Account as of the date of the transfer. Transfers from the DCA Plus Account occur automatically and are based on the following formula: 
Monthly Anniversary of the
Initial Premium Transfer Date
Amount Transferred from the DCA Plus Account
(as a percentage of the DCA Plus Account Value
as of the applicable Month)
1
8.33%
2
9.09%
3
10.00%
4
11.11%
5
12.50%
6
14.29%
7
16.67%
8
20.00%
9
25.00%
10
33.33%
11
50.00%
12
100.00%
 The entire value of the DCA Plus Account will be completely transferred to the Investment Divisions and/or Fixed Account within 12 months of the Initial Premium Transfer Date. For example, if you allocate an Initial Premium payment to the DCA Plus Account under which the 12-month term will end on December 31, 2026 and we receive a subsequent premium payment for the DCA Plus Account before December 31, 2026, we will allocate the subsequent premium payment to the same DCA Plus Account and transfer the entire value of the DCA Plus Account to the Investment Divisions and/or Fixed Account by December 31, 2026 based on the schedule shown above, even though a portion of the money was not in the DCA Plus Account for the entire 12-month period. You cannot make transfers into the DCA Plus Account. Use of the DCA Plus Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Plus Account. You can cancel the DCA Plus Account at any time. To cancel the DCA Plus Account, you must send a Request. Upon receiving your cancellation Request we will transfer the entire DCA Plus Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. DCA Plus may not be available in all jurisdictions.●Dollar-Cost Averaging Extension AccountThe DCA Extension Program is another optional feature that allows you to make regular periodic allocations from the DCA Extension Account to the Investment Divisions and/or Fixed Account. This program, however, is only available after issue and completion of the DCA Plus Program (if applicable), and only for the first 7 Policy Years (the “DCA Extension Availability Period”). If you select this feature, any single premium payment that we receive during the DCA Extension Availability Period that is a minimum of $10,000 (the “DCA Extension Eligible Premium”) will be applied to the DCA Extension Account. Beginning on the monthly anniversary of the date we receive a DCA Extension Eligible Premium, and continuing for a period of 12 months after we receive that premium, NYLIAC will make periodic transfers on your behalf from the DCA Extension Account into the Investment Divisions and/or Fixed Account in accordance with your premium allocation instructions. The DCA Extension Account will credit interest at a rate which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Extension Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Extension Account, the Fixed Account, and the Loan Account. Net Premium payments to the DCA Accounts will receive the applicable interest rate in effect on the Business Day we receive that DCA Extension Eligible Premium payment. Interest rates for subsequent DCA Extension Eligible Premium payments may be different from the rate applied to prior DCA Extension Eligible Premium payments. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Extension Account only earn the DCA Accounts interest rate while they are in the DCA Extension Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire DCA Extension Eligible Premium is not in the DCA Extension Account for the full year, the annual effective rate will not be achieved. If you elect to participate in this program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Extension Account is closed. For DCA Extension to continue as scheduled, the Cash Value in the DCA Extension Account must be at least $100. If the Cash Value falls below this minimum on a DCA Extension transfer date during the 12 month DCA Extension Transfer Period, the DCA Extension Account will close and any remaining balance will be transferred in accordance with your DCA Extension allocation instructions. You may make a maximum of 12 DCA Extension Eligible Premium payments in a given calendar year. Each DCA Extension Eligible Premium received by us during DCA Extension Availability Period will have its own 12 month transfer schedule, based on the following formula: 
The Monthly Anniversary
after each DCA Extension
Eligible Premium is received
Amount Transferred from
the DCA Extension Account
per Eligible Premium Payment
(as a percentage of the DCA
Extension Account Value)
1
8.33%
2
9.09%
3
10.00%
4
11.11%
5
12.50%
6
14.29%
7
16.67%
8
20.00%
9
25.00%
10
33.33%
11
50.00%
12
100.00%
Use of the DCA Extension Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Extension Account. You can cancel the DCA Extension Account at any time. To cancel the DCA Extension Account, you must send a written cancellation Request or call us toll-free at 1-800-598-2019. Upon receiving your cancellation request we will transfer the entire DCA Extension Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. The DCA Extension Program may not be available in all jurisdictions. The DCA Extension Program is not available while the DCA Plus Program is in effect.●Automatic Asset Rebalancing (AAR) If you choose this option, we will rebalance your assets automatically on a schedule you select among the Investment Divisions to maintain a predetermined percentage invested in the Investment Division(s) you have selected. For example, you could specify that 50% of the amount you have in the Investment Divisions of the Separate Account be allocated to one Investment Division, while the other 50% be allocated to another Investment Division. Over time, however, performance variations in each of these Investment Divisions would cause this balance to shift. With the Automatic Asset Rebalancing (AAR) option, we will rebalance the amount you have in the Separate Account among the Investment Divisions you have selected so that they are invested in the percentages you specify. Values in the Fixed Investment Options are excluded from AAR.  We will make AAR transfers either quarterly, semi-annually or annually (but not monthly), based on your Policy Anniversary Date. If your Policy Anniversary Date is on the 29th, 30th or 31st of a month, the rebalancing transfer will occur on the 28th of the month. Your AAR will be cancelled if a premium allocation change or fund transfer is submitted on your behalf and the AAR is not also modified at the time to be consistent with your fund transfer and premium allocation changes. To process AAR transfers, or to modify an existing AAR, you may call us toll-free at 1-800-598-2019, or send a completed AAR form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus (or by any other method we make available). NYLIAC must receive the request in writing no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. You can elect this option if your Separate Account Value is $2,500 or more. We will suspend this option automatically if the Separate Account Value is less than $2,000 on a rebalancing date. Once the Separate Account Value equals or exceeds this amount, AAR will resume automatically as scheduled. There is no minimum amount that you must allocate among Investment Divisions for this option. You can cancel or modify the AAR option at any time. To cancel the AAR option, you may call us at 1-800-598-2019 or send a cancellation Request. You cannot elect AAR if you have chosen Dollar-Cost Averaging. However, you have the option of alternating between the two options. AAR is available when the DCA Plus and DCA Extension Programs are in place but funds in the DCA Accounts are not eligible for AAR.●Interest SweepYou can instruct us to periodically transfer the interest credited to the Fixed Account to the Investment Division(s) you specify. You can elect this option as long as the amount in the Fixed Account is at least $2,500. We will make all Interest Sweep transfers on the date you specify or, if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month to make these automatic transfers, other than the 29th, 30th, or 31st of the month. We will not process an Interest Sweep transfer unless you contact us on our toll-free number (1-800-598-2019) or send a Request. NYLIAC must receive the request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. You cannot choose the Interest Sweep option if you have instructed us to pay any part of your policy charges from the Fixed Account. If you want to elect the Interest Sweep option and you want to allocate your charges, you must allocate your charges to the NYLIM VP U.S. Government Money Market Investment Division. You can request Interest Sweep in addition to either the Dollar-Cost Averaging or Automatic Asset Rebalancing option. If an Interest Sweep transfer is scheduled for the same day as a Dollar-Cost Averaging or Automatic Asset Rebalancing transfer, we will process the Interest Sweep transfer first. If an Interest Sweep transfer would cause more than the greater of (i) $5,000 or (ii) 20% of the amount you have in the Fixed Account at the beginning of the Policy Year to be transferred from the Fixed Account, we will not process the transfer and we will suspend the Interest Sweep option. If the amount you have in the Fixed Account is less than $2,000, we will automatically suspend this option. Once the amount you have in the Fixed Account equals or exceeds $2,000, the Interest Sweep option will resume automatically as scheduled. You can cancel the Interest Sweep option at any time. To cancel the Interest Sweep option, you may contact us at our toll-free number (1-800-598-2019) or send a cancellation Request. Interest Sweep is not available when the DCA Plus or DCA Extension Program is in place. ●Expense Allocation OptionAt any time, you can choose how to allocate certain Monthly Deduction Charges from your Cash Value. (See “Charges Associated with the Policy—Deductions from Cash Value” for details.) Expense Allocation is only available from the Fixed Account or the NYLIM VP U.S. Government Money Market Investment Division.●Premium Deposit Account (“PDA”) A Premium Deposit Account (“PDA”) is an optional feature you can use to fund planned premiums into your policy. You may fund from 1 to 14 years of annual planned premiums or 11 to 179 monthly planned premiums through the PDA. You may elect this option by entering into a PDA Agreement with NYLIAC and/or through the election of a PDA Rider, subject to jurisdictional requirements. See “State Variations and Rider Availability” for information on how the PDA is available and other state specific variations. Under the PDA Agreement, after paying your Initial Premium Payment directly into the policy, you can make a lump sum deposit into an interest-bearing PDA. The deposit and interest earned on the amount in the PDA will be used to automatically pay subsequent planned premiums into your policy, either on a monthly or annual basis. Once the annual or monthly mode is selected it cannot be changed for the term of the PDA. Interest will be credited daily on the funds remaining in the PDA at an annual rate(s)-effective on the date of the PDA and will not change for the term of the PDA. If you lower your planned premiums, we will pay the new lowered planned premiums from the PDA and return the difference remaining in the PDA to you (subject to any applicable withdrawal fee). There may be tax withholding amounts that may also reduce the amount remaining the PDA. If you increase your planned premiums, we will pay the new increased planned premium from the PDA and we will notify you of any shortfall. Upon election of the PDA, you will receive a notice with the planned premium schedule and the interest rate applicable to your PDA. Withdrawals are permitted from the PDA and may be subject to a withdrawal fee. The withdrawal fee may change but will never exceed 10% of the withdrawal. Generally, there are two types of withdrawals permitted from the PDA (see “State Variations and Rider Availability” for state specific variations): ●One-Time Withdrawal - During the first 3 Policy Years after you make the deposit to the PDA, you may make a one-time withdrawal that is equal to the lesser of: (a) 10% of the amount in the PDA; or (b) $25,000. We must receive a signed notice from you electing to make this one-time withdrawal no later than 31 days before the policy’s third policy anniversary. A withdrawal fee will not be deducted from a One-Time Withdrawal. ●A Full Cash Withdrawal - In most jurisdictions, a full cash withdrawal of the remaining PDA balance is permitted at any time and is generally subject to a withdrawal fee that will never exceed 10%. However, a full cash withdrawal will not incur a withdrawal fee in the following cases: ●The policy is canceled in accordance with the Free Look provision. ●The date the policy ends due to death of the Insured. ●When benefits are paid under the Living Benefits Rider. The PDA Agreement and/or Rider will end, and we will pay you the entire amount in the PDA, if any, on the earliest of the following to occur: the date the policy ends, the date of a full cash withdrawal of the PDA (less any applicable withdrawal fee) or when there are no funds remaining in the PDA. After the PDA ends, any additional premium payments must be made by another method for paying premiums discussed in this prospectus. The deposit into the PDA is not a premium payment and the PDA has no cash value or loan value under the policy. The PDA is not registered under the 1933 Act or as an investment company under the 1940 Act and is part of our General Account. As such, amounts allocated to the PDA do not have the benefits and protections of these statutes and are subject to our financial strength and claims paying ability and the claims of our general creditors. Use of the PDA does not guarantee the policy will not lapse and even if you pay all your planned premiums, additional premiums may be needed to keep the policy in force. The deposit into the PDA does not affect the Surrender Charge Schedule. Any interest earned on the PDA will be taxable and, subject to applicable requirements, will be reported to you and the IRS on a Form 1099-INT. As the deposit into the PDA is not a premium payment, it will not be used in determining whether the policy is a Modified Endowment Contract, but planned premiums paid out of the PDA will be used for this purpose. Example: The following illustrates how the PDA can be used with the policy. A policyowner makes an Initial Premium payment of $10,000 into the policy and wants to open a PDA to fund 6 future annual Planned Premium payments of $10,000 each. Assuming a hypothetical interest rate of 5.25%, the policyowner would make a lump sum deposit of $50,353.64 to fund the PDA. The following chart depicts the planned premiums made into the policy and how the interest earned on the PDA contributes to those premium payments. 
Year
PDA
Beginning Balance
Interest
Earned
Annual Premium
paid from PDA
PDA
Ending Balance
1
$50,353.64
$2,643.57
-$10,000
$42,997.21
2
$42,997.21
$2,257.35
-$10,000
$35,254.56
3
$35,254.56
$1,850.86
-$10,000
$27,105.42
4
$27,105.42
$1,423.03
-$10,000
$18,528.45
5
$18,528.45
$972.74
-$10,000
$9,501.19
6
$9,501.19
$498.81
-$10,000
$0
●Living Benefits Rider (filed as Accelerated Benefits Rider): Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to: 
 
 
 
 
 
 
 
 
 
Elected
percentage
X
Eligible
proceeds
X
Interest factor
—
Administrative
fee (up to $150)
—
Elected percentage of
an unpaid policy loan
Minimum accelerated benefit amount: $25,000. Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact. Example: The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000: 
Elected
Percentage
Eligible Proceeds
Interest Factor
Administrative
Fee
Elected
Percentage x
Outstanding
Loan
Total Accelerated
Benefit Available
((1)x(2)x(3)) - (4) -
((1)x(5))
100%
$250,000
0.9434
$150
$5,000
$230,700
50%
$250,000
0.9434
$150
$2,500
$115,275
●Spouse’s Paid-Up Insurance Purchase Option Rider: This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: (1)the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or (2)$5,000,000. If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing. Example: The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86: 
Policy Proceeds
Requested
Paid-Up
Insurance Benefit
NSP for Paid-Up
Insurance
Policy Premium
for Paid-Up
Insurance
Net Policy
Proceeds
$1,000,000
$100,000
$772.86
$77,286
$1,000,000 -
$77,286 =
$922,714
$1,000,000
$500,000
$772.86
$386,430
$1,000,000 -
$386,430 =
$613,570
●Insurance Exchange Rider: This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: (1)If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.(2)If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider. Example: If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.●Overloan Protection Rider: Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: ●The policy must be in effect for at least 15 years. ●The insured must be at least age 75. ●Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. ●Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. ●Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. ●Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. ●The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). ●For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. ●The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). ●The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: A =The OLP Face Amount calculated at rider activation; B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. ●Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. ●Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. ●No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. ●No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. ●Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. ●No further Monthly Deduction Charges will be taken. This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider. Example:For a Policy with the following policy values at Attained Age 90: 
Face Amount (FA)
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest)
(L)
Cash
Surrender
Value (CV -
L)*
$1,000,000
$1,378,000
$1,200,000
$100,000
$1,300,000
$1,000,500
$299,500
The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 (3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy: 
Face Amount
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest) (L)
Cash
Surrender
Value (CV -
L)*
$1,267,045
$1,329,770
$0
$1,254,500
$1,254,500
$1,000,500
$254,000
The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. *No surrender charges apply.Age 121 Policy AnniversaryBeginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force for all subsequent years, but the following limitations will apply: (a)No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. (b)No Face Amount decreases will be permitted. (c)Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. (d)Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. (e)Transfers among the Investment Options will continue to be allowed. (f)Partial surrenders and loan repayments will continue to be allowed. (g)New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. (h)Any other riders attached to your policy will end, unless stated otherwise in the rider. Please consult your tax advisor regarding the tax implications of these options. If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.Tax-Free “Section 1035” Insurance Policy ExchangesGenerally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. Because the final surrender value of your existing policy will be calculated once the new life insurance policy has been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.24-Month Exchange PrivilegeWithin the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. To exchange your policy: ●your policy must be in force on the date of the exchange; ●you must repay any unpaid loan (including any accrued loan interest); and ●you must submit a Request. We will process your request for an exchange on the later of: (1) the Business Day on which we receive your Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.
Benefits Available [Table Text Block]
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Dollar-Cost
Averaging
Dollar-Cost Averaging is a
systematic method of
investing that allows you to
purchase shares of the
Investment Divisions at
regular intervals in fixed
dollar amounts so that the
cost of your shares is
averaged over time.
Optional
•Dollar-Cost Averaging does
not assure growth or
protect against a loss in
declining markets.
•You may not make
Dollar-Cost Averaging
transfers from the Fixed
Account, but you can make
Dollar-Cost Averaging
transfers into the Fixed
Account.
•Your cash value must be
$2,500 or more to elect
Dollar-Cost Averaging and
it will be automatically
suspended if the Cash
Value is less than $2,000
on a transfer date.
•You may not elect
Dollar-Cost Averaging if
you have chosen
Automatic Asset
Rebalancing.
•This option is not available
with the Dollar-Cost
Averaging Plus Account or
Dollar-Cost Averaging
Extension Account.
Dollar-Cost
Averaging Plus
Account
The DCA Plus Program
allows you to make regular
periodic allocations from the
DCA Plus Account into the
Investment Divisions and/or
Fixed Account over the
twelve-month period
following the Initial Premium
Transfer Date. The DCA Plus
Account will credit interest to
the amount in the account at
Optional
•Use of the DCA Plus
Account does not assure
growth or protect against
loss in declining markets.
•The DCA Plus Account
must be elected at the time
your policy is issued.
•Because the entire initial
Premium is not in the DCA
Plus Account for the full
year, the annual effective
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
a rate, which we declare
periodically, in advance, and
at our sole discretion, but the
rate will never be less than
the GMIR.
 
rate will not be achieved.
•The entire initial Net
Premium, which must be a
minimum of $1,000, must
be allocated to the DCA
Plus Account.
•You cannot use traditional
Dollar-Cost Averaging or
Interest Sweep until such
time that the DCA Plus
Account is closed.
•The DCA Plus Account will
close automatically 12
months following the Initial
Premium Transfer Date, or
such time that the balance
in the DCA Plus Account
on a DCA Plus Transfer
Date falls below $100,
whichever is sooner.
•You cannot make transfers
into the DCA Plus Account.
Dollar-Cost
Averaging
Extension Account
After the completion of the
DCA Plus Program, the DCA
Extension Program allows
you to make regular periodic
allocations from the DCA
Extension Account to the
Investment Divisions and/or
Fixed Account when a single
premium payment of at least
$10,000 is made. The DCA
Extension Account will credit
interest to the amount in the
account at a rate, which we
declare periodically, in
advance, and at our sole
discretion, but the rate will
never be less than the GMIR.
Optional
•Use of the DCA Extension
Program does not assure
growth or protect against
loss in declining markets.
•Only available after the
completion of the DCA
Plus Program and in the
first 7 Policy Years.
•Because the entire initial
Premium is not in the DCA
Extension Account for the
full year, the annual
effective rate will not be
achieved.
•You cannot use traditional
Dollar-Cost Averaging or
Interest Sweep until such
time that the DCA
Extension Account is
closed.
•The cash value in the DCA
Extension Account must be
at least $100 for the
program to continue.
•You cannot make transfers
into this account.
Automatic Asset
Rebalancing
Automatically rebalances the
amount you have in the
Separate Account on a
Optional
•Your Separate Account
Value must be at least
$2,500 to elect this option.
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
schedule you select among
the Investment Divisions to
maintain a predetermined
percentage invested in the
Investment Division(s) you
have selected.
 
We will suspend this option
automatically if the
Separate Account Value is
less than $2,000 on a
rebalancing date.
•You may not elect
Automatic Asset
Rebalancing if you have
chosen Dollar-Cost
Averaging or any of the
Dollar-Cost Averaging
Accounts.
Interest Sweep
Automatically transfers
interest earned on the Fixed
Account to one or any
combination of Investment
Divisions.
Optional
•The value in the Fixed
Account must be at least
$2,500 to elect this option
and it will be automatically
suspended if the amount in
the Fixed Account falls
below $2,000.
•You cannot use this option
if you have instructed us to
pay any part of your policy
charges from the Fixed
Account.
•If you want to use this
option and allocate your
charges, your charges
must be allocated to the
NYLIM VP U.S.
Government Money Market
Investment Division.
•An Interest Sweep transfer
cannot cause more than
the greater of (i) $5,000 or
(ii) 20% of the amount you
have in the Fixed Account
at the beginning of the
Policy Year to be
transferred from the Fixed
Account.
•This option is not available
with the Dollar-Cost
Averaging Plus Account or
Dollar-Cost Averaging
Extension Account.
Expense Allocation
Option
You can choose how to
allocate certain Monthly
Deduction Changes from
your Cash Value.
Optional
•Expense Allocation is only
available from the Fixed
Account or the NYLIM VP
U.S. Government Money
Market Investment Division.
Premium Deposit
Allows you to fund up to 14
Optional
•Subject to jurisdictional
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Account (“PDA”)
annual Planned Premiums or
179 monthly Planned
Premiums through a lump
sum deposit into an
interest-bearing PDA. The
amount in the PDA earns
interest at a rate effective on
the date the PDA is opened
and that will not change for
the duration of the PDA.
 
requirements, the PDA may
be available to you through
an agreement and/or rider.
See “State Variations and
Rider Availability” for more
information.
•The amount you may fund
into the PDA may be
limited by the terms of the
PDA Agreement and/or
Rider.
•You may only make one
lump sum deposit into the
PDA.
•Use of the PDA does not
guarantee that the policy
will not lapse.
•There may be limits on
withdrawals from the PDA
and a withdrawal fee may
apply.
•Planned Premium mode
must be monthly or annual
and cannot be changed
during the duration of the
PDA.
•The Initial Premium must
be paid outside of the
PDA.
•The PDA can only be
elected within 45 days after
the Initial Premium is paid
into the policy.
No Lapse
Guarantee
This ensures that your policy
will remain in effect during
the Guarantee Period,
provided that your policy
premium payments satisfy
the No Lapse Guarantee
Premium Test on each
Monthly Deduction Day. This
benefit prevents your policy
from lapsing during the
Guarantee Period even if the
Cash Surrender Value is
insufficient to cover the
Monthly Deduction Charges
on a Monthly Deduction Day.
Standard
•The duration of the No
Lapse Guarantee is 10
years.
•The No Lapse Guarantee
will become inactive before
the end of the Guarantee
Period if, on any Monthly
Deduction Day, your
premium payments do not
pass the No Lapse
Guarantee Premium Test.
Living Benefits
Rider (filed as the
Accelerated
Advances a portion of the
Life Insurance Benefit
Proceeds upon Insured
Optional
•Minimum accelerated
benefit amount is $25,000.
•Maximum accelerated
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
Benefits Rider)
having a life expectancy of
12 months or less.
 
benefit amount is $250,000
(total for all NYLIAC and
affiliated companies’
policies).
•A payment under this rider
will reduce your policy’s
Face Amount, rider death
benefits, monthly
deductions, Cash Value,
and any unpaid policy loan.
•There is a $150
administrative fee to
exercise the rider.
Spouse’s Paid-Up
Insurance Purchase
Option Rider
Allows a spouse who is the
beneficiary under the policy
to purchase a new paid-up
whole life insurance policy on
his or her own life without
evidence of insurability when
the insured dies.
Standard
•The maximum Face
Amount of the spouse’s
new paid-up whole life
policy is the lesser of
(1) the maximum amount
of the Life Insurance
Benefits Proceeds (before
any unpaid loan is
deducted), or (2)
$5,000,000.
Insurance
Exchange Rider
This rider allows you to
exchange the policy for a
new NYLIAC variable
universal life policy issued on
a new insured using the cash
values from your original
policy.
Standard
•You must provide evidence
of insurability on the new
insured and have an
insurable interest in the
new insured.
•You may be required to
make a conditional
premium payment to
exercise this rider.
•Exercising this rider will
have tax consequences.
•This rider may be
exercised only once.
Overloan Protection
Rider
When activated, the
Overloan Protection Rider
guarantees that your policy
will not lapse even if: (1) the
policy’s Cash Surrender
Value is insufficient to cover
the current Monthly
Deduction Charges or (2) the
policy’s outstanding loans
plus accrued loan interest
exceed its Cash Value.
Standard
To activate this rider, the
following conditions must be
met:
•The policy must be in effect
for at least 15 years.
•The insured must be at
least age 75.
•Any outstanding loan plus
accrued loan interest
exceeds the Face Amount
of the policy in effect at the
time of activation.
•Any outstanding loan plus
accrued loan interest must
Name of
Benefit
Purpose
Is this Benefit
Standard or Optional?
Brief Description of
Restrictions/
Limitations
 
 
 
be less than 99% of the
policy Cash Value after the
deduction of any surrender
charges and the one-time
rider charge.
•Activation of the rider
cannot cause the policy to
violate IRC Section 7702 at
any duration.
•Cumulative partial
surrenders taken must be
no less than the total
premiums paid under the
policy.
•Activation results in certain
changes to your policy,
including changes to the
face amount and a
reduction in the Life
Insurance Proceeds. In
addition, all other riders will
end, with the exception of
the Spouse’s Paid-Up
Insurance Purchase Option
Rider, all Cash Value will
be transferred to the Fixed
Account, and your ability to
make other policy changes
will be limited.
Item 18. Portfolio Companies (N-6) [Text Block] Appendix: Eligible Portfolios Available Under the PolicyThe Eligible Portfolios The following is a list of the Eligible Portfolios currently available under the policy. Before you invest, you should review the prospectuses for the Portfolios. These prospectuses contain more information about the Portfolios and their risks and may be amended from time to time. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus.You can also request this information at no cost by calling 1-800-598-2019 or sending an email request to MarketWealthPlusProspectus@newyorklife.com. The current expenses and performance information below reflects fees and expenses of the Eligible Portfolios, but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. 
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP American Century Large Cap
Equity (formerly NYLI VP American Century
Sustainable Equity)—Initial Class
 
Adviser: New York Life Investment
Management LLC (“New York Life
Investments”)
 
Subadviser: American Century Investment
Management, Inc.
0.68%
11.34%
13.96%
11.86%
Asset Allocation
NYLIM VP Balanced—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: NYL Investors LLC (“NYLI”)
and Wellington Management LLP
(“Wellington”)
0.72%
11.44%
7.41%
7.30%
Investment Grade Bond
NYLIM VP Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.55%
6.83%
(0.63) %
1.96%
Sector
NYLIM VP CBRE Global
Infrastructure—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: CBRE Investment Management
Listed Real Assets LLC
0.95%*
15.60%
7.06%
2.64%
Asset Allocation
NYLIM VP Conservative Allocation—Initial
Class
 
Adviser: New York Life Investments
0.55%
9.56%
3.93%
5.40%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP Dimensional U.S. Equity—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Dimensional Fund Advisors LP
0.54%
13.75%
12.39%
12.68%
Large Cap Equity
NYLIM VP Epoch U.S. Equity Yield—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Epoch Investment Partners, Inc.
("Epoch")
0.68%*
14.24%
12.02%
9.96%
Asset Allocation
NYLIM VP Equity Allocation—Initial Class
 
Adviser: New York Life Investments
0.69%
13.98%
8.17%
9.34%
Sector
NYLIM VP Fidelity Institutional AM®
Utilities—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: FIAM LLC
0.68%
13.79%
12.34%
10.97%
Non-Investment Grade
Bond
NYLIM VP Floating Rate—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.64%
5.13%
5.43%
5.01%
Asset Allocation
NYLIM VP Growth Allocation—Initial Class
 
Adviser: New York Life Investments
0.64%
12.52%
7.33%
8.32%
Alternatives
NYLIM VP Hedge Multi-Strategy—Initial
Class
 
Adviser: New York Life Investments
1.01%*
8.05%
2.92%
2.07%
Asset Allocation
NYLIM VP Income Builder—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: Epoch and MacKay Shields
LLC (“MacKay”)
0.63%*
16.99%
6.56%
7.40%
Asset Allocation
NYLIM VP Janus Henderson
Balanced—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Janus Henderson Investors US
LLC (“Janus”)
0.58%
15.05%
8.58%
10.19%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Non-Investment Grade
Bond
NYLIM VP MacKay Convertible—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.59%
16.40%
5.60%
10.38%
Non-Investment Grade
Bond
NYLIM VP MacKay High Yield Corporate
Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.59%*
6.87%
4.44%
6.14%
Non-Investment Grade
Bond
NYLIM VP MacKay Strategic Bond—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.65%
8.87%
3.98%
4.40%
Investment Grade Bond
NYLIM VP MacKay U.S. Infrastructure
Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.57%
8.44%
0.10%
1.38%
Large Cap Equity
NYLIM VP MFS® Investors Trust—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Massachusetts Financial
Services Company (“MFS”)
0.75%
N/A
N/A
N/A
Large Cap Equity
NYLIM VP MFS® Research—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MFS
0.76%
N/A
N/A
N/A
Asset Allocation
NYLIM VP Moderate Allocation—Initial
Class
 
Adviser: New York Life Investments
0.58%
11.30%
5.62%
6.88%
Sector
NYLIM VP Natural Resources—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Newton Investment
Management North America, LLC (“NIMNA”)
0.85%
15.20%
17.27%
10.88%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Sector
NYLIM VP Newton Technology
Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NIMNA
0.78%*
N/A
N/A
N/A
Investment Grade Bond
NYLIM VP PIMCO Real Return—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Pacific Investment Management
Company LLC (“PIMCO”)
1.09%*
8.16%
1.36%
3.29%
International/Global
Equity
NYLIM VP PineStone International
Equity—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: PineStone Asset Management
Inc.
0.86%
12.29%
0.20%
5.44%
Large Cap Equity
NYLIM VP S&P 500 Index—Initial Class
 
Adviser: New York Life Investments
0.12%*
17.72%
14.28%
14.63%
Small/Mid Cap Equity
NYLIM VP Schroders Mid Cap
Opportunities—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Schroder Investment
Management North America
0.83%*
7.27%
5.05%
7.39%
Small/Mid Cap Equity
NYLIM VP Small Cap Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: Brown Advisory, LLC and
Segall Bryant & Hamill, LLC
0.86%
4.89%
1.64%
8.95%
Money Market
NYLIM VP U.S. Government Money
Market—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.28%*
4.05%
3.02%
1.89%
Small/Mid Cap Equity
NYLIM VP Wellington Small Cap—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Wellington
0.75%*
9.53%
5.93%
7.41%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP Winslow Large Cap
Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Winslow Capital Management,
Inc.
0.75%
14.35%
12.69%
16.14%
Small/Mid Cap Equity
AB VPS Discovery Value Portfolio—Class A
 
Adviser: AllianceBernstein L.P. (“AB”)
0.82%
2.89%
8.75%
8.55%
Large Cap Value
AB VPS Relative Value Portfolio—Class A
 
Adviser: AB
0.59%*
10.47%
11.42%
10.57%
Asset Allocation
American Funds® IS Asset Allocation
Fund—Class 2
 
Adviser: Capital Research and Management
CompanySM (“CRMC”)
0.54%
15.85%
8.97%
9.77%
Investment Grade Bond
American Funds® IS The Bond Fund of
America®—Class 2
 
Adviser: CRMC
0.47%*
7.26%
(0.14)%
2.36%
Investment Grade Bond
American Funds® IS Capital World Bond
Fund®—Class 2
 
Adviser: CRMC
0.73%
9.39%
(2.50)%
1.23%
Large Cap Equity
American Funds® IS Growth Fund—Class 2
 
Adviser: CRMC
0.58%
20.24%
13.37%
17.97%
Large Cap Equity
American Funds® IS Growth-Income
Fund—Class 2
 
Adviser: CRMC
0.53%
18.06%
13.90%
13.92%
Sector
American Funds® IS New World
Fund®—Class 2
 
Adviser: CRMC
0.82%*
28.29%
5.33%
9.25%
International/Global
Equity
American Funds® IS SMALLCAP World
Fund® (formerly American Funds® IS Global
Small Capitalization Fund)—Class 2
 
Adviser: CRMC
0.90%*
14.64%
0.49%
7.23%
Investment Grade Bond
American Funds® IS U.S. Government
Securities Fund®—Class 2
 
Adviser: CRMC
0.50%*
7.75%
(0.23)%
1.70%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
American Funds® IS Washington Mutual
Investors Fund—Class 2
 
Adviser: CRMC
0.50%*
17.21%
13.89%
12.36%
Asset Allocation
BlackRock® Global Allocation V.I.
Fund—Class I
 
Adviser: BlackRock Advisors, LLC
(“BlackRock”)
 
Subadviser: BlackRock (Singapore) Limited
and BlackRock International Limited
0.76%*
19.80%
5.79%
7.59%
Non-Investment Grade
Bond
BlackRock® High Yield V.I. Fund—Class I
 
Adviser: BlackRock
 
Subadviser: BlackRock International Limited
0.54%*
9.19%
4.79%
6.31%
Large Cap Equity
BNY Mellon Sustainable U.S. Equity
Portfolio—Initial Shares
 
Adviser: BNY Mellon Investment Adviser,
Inc.
 
Subadviser: Newton Investment
Management Limited
0.66%
15.97%
11.93%
13.56%
Non-Investment Grade
Bond
Columbia Variable Portfolio—Emerging
Markets Bond Fund—Class 1
 
Adviser: Columbia Management Investment
Advisers, LLC ("Columbia")
0.75%*
12.78%
1.70%
4.28%
Investment Grade Bond
Columbia Variable Portfolio—Intermediate
Bond Fund—Class 1
 
Adviser: Columbia
0.52%
9.06%
(0.43)%
2.77%
Investment Grade Bond
Columbia Variable Portfolio—Small
Company Growth Fund—Class 1
 
Adviser: Columbia
0.87%*
21.69%
3.59%
15.19%
Alternatives
DWS Alternative Asset Allocation
VIP—Class A
 
Adviser: DWS Investment Management
Americas Inc. (“DIMA”)
 
Subadviser: RREEF America LLC
0.93%
10.50%
5.29%
4.89%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Small/Mid Cap Equity
DWS Small Cap Index VIP—Class A
 
Adviser: DIMA
 
Subadviser: Northern Trust Investments, Inc.
0.37%*
12.64%
5.84%
9.33%
Small/Mid Cap Equity
DWS Small Mid Cap Value VIP—Class A
 
Adviser: DIMA
0.80%*
18.21%
9.66%
7.57%
Investment Grade Bond
Fidelity® VIP Bond Index Portfolio—Initial
Class
 
Adviser: Fidelity Management & Research
Company (“FMR”)
 
Subadvisers: Other investment advisers
0.14%
6.98%
(0.57)%
N/A
Large Cap Equity
Fidelity® VIP ContrafundSM Portfolio—Initial
Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.54%
21.52%
15.37%
15.78%
International/Global
Equity
Fidelity® VIP Emerging Markets
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.87%
41.20%
5.88%
10.93%
Large Cap Equity
Fidelity® VIP Equity-Income
PortfolioSM—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.46%
19.02%
12.51%
11.60%
Small/Mid Cap Equity
Fidelity® VIP Extended Market Index
Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: Geode Capital Management,
LLC (“Geode”)
0.12%
12.32%
8.02%
N/A
Asset Allocation
Fidelity® VIP Freedom 2020
PortfolioSM—Initial Class
 
Adviser: FMR
0.44%
13.33%
4.84%
7.38%
Asset Allocation
Fidelity® VIP Freedom 2030
PortfolioSM—Initial Class
 
Adviser: FMR
0.49%
15.52%
6.25%
8.88%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Asset Allocation
Fidelity® VIP Freedom 2040
PortfolioSM—Initial Class
 
Adviser: FMR
0.57%
18.79%
9.01%
10.87%
Large Cap Equity
Fidelity® VIP Growth Opportunities
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.56%
22.02%
11.31%
19.94%
Sector
Fidelity® VIP Health Care Portfolio—Initial
Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.59%
14.39%
4.18%
8.75%
International/Global
Equity
Fidelity® VIP International Capital
Appreciation Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: FIL Investment Advisors
0.78%
18.69%
6.26%
9.81%
International/Global
Equity
Fidelity® VIP International Index
Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: Geode
0.16%
33.15%
8.02%
N/A
Investment Grade Bond
Fidelity® VIP Investment Grade Bond
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.37%
7.22%
0.06%
2.71%
Small/Mid Cap Equity
Fidelity® VIP Mid Cap Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.55%
11.75%
10.10%
10.59%
Sector
Franklin Gold and Precious Metals VIP
Fund—Class 1
 
Adviser: Franklin Advisers, Inc. (“Franklin”)
0.70%*
N/A
N/A
N/A
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Asset Allocation
Franklin Templeton Aggressive Model
Portfolio—Class I
 
Adviser: Franklin Templeton Fund Adviser,
LLC (“FTFA”)
 
Subadviser: Franklin
0.63%
17.30%
10.41%
N/A
Asset Allocation
Franklin Templeton Conservative Model
Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.60%
9.39%
2.92%
N/A
Asset Allocation
Franklin Templeton Moderate Model
Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
13.56%
6.76%
N/A
Asset Allocation
Franklin Templeton Moderately Aggressive
Model Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
15.29%
8.12%
N/A
Asset Allocation
Franklin Templeton Moderately Conservative
Model Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
11.76%
5.17%
N/A
International/Global
Equity
Goldman Sachs VIT International Equity
Insights Fund—Institutional Class
 
Adviser: Goldman Sachs Asset
Management, L.P.
0.80%*
6.12%
5.46%
4.88%
International/Global
Equity
Invesco V.I. EQV International Equity
Fund—Series I Shares
 
Adviser: Invesco Advisers, Inc. (“Invesco”)
0.90%
16.50%
3.68%
6.22%
Small/Mid Cap Equity
Invesco V.I. Main Street Small Cap
Fund®—Series I Shares
 
Adviser: Invesco
0.84%
8.70%
8.34%
10.59%
Small/Mid Cap Equity
Janus Henderson Enterprise
Portfolio—Institutional Shares
 
Adviser: Janus
0.72%
7.67%
7.62%
12.79%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Janus Henderson Global Research
Portfolio—Institutional Shares
 
Adviser: Janus
0.82%
20.92%
12.51%
12.93%
Investment Grade Bond
Lord Abbett Series Fund, Inc.—Short
Duration Income Portfolio—Class I
 
Adviser: Lord, Abbett & Co. LLC
0.47%*
N/A
N/A
N/A
Large Cap Equity
LVIP ClearBridge Appreciation
Fund—Standard Class (formerly
ClearBridge Variable Appreciation
Portfolio—Class I)
 
Adviser: Lincoln Financial Investments
Corporation (“LFIC”)
 
Subadviser: ClearBridge Investments, LLC
0.70%*
14.50%
12.72%
13.34%
Small/Mid Cap Equity
LVIP SSgA Mid-Cap Index Fund—Standard
Class
 
Adviser: LFIC
 
Subadviser: SSgA Funds Management, Inc.
0.35%*
13.55%
9.94%
9.31%
International Equity
MFS® International Intrinsic Equity Portfolio
(formerly MFS® International Intrinsic Value
Portfolio)—Initial Class
 
Adviser: MFS
0.89%*
33.26%
7.28%
9.95%
Mid Cap Equity
MFS® Mid Cap Value Portfolio—Initial Class
 
Adviser: MFS
0.79%*
5.98%
10.18%
9.95%
Small/Mid Cap Equity
MFS® New Discovery Series—Initial Class
 
Adviser: MFS
0.87%*
12.96%
(0.28)%
10.74%
Foreign Large Blend
MFS® Research International
Portfolio—Initial Class
 
Adviser: MFS
0.90%*
22.05%
5.51%
7.54%
Small/Mid Cap Equity
Neuberger Berman AMT Mid Cap Growth
Portfolio—Class I
 
Adviser: Neuberger Berman Investment
Advisers LLC
0.86%*
5.45%
4.47%
10.96%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Nomura VIP Emerging Markets Series
(formerly Macquarie VIP Emerging Markets
Series)—Standard Class
 
Adviser: Delaware Management Company, a
series of Nomura Investment Management
Business Trust
1.16%*
81.26%
8.81%
12.17%
Small/Mid Cap Equity
Nomura VIP Small Cap Value Series
(formerly Macquarie VIP Small Cap Value
Series)—Standard Class
 
Adviser: Delaware Management Company, a
series of Nomura Investment Management
Business Trust
0.74%
8.16%
9.26%
9.15%
Investment Grade Bond
PIMCO VIT Income Portfolio—Institutional
Class
 
Adviser: PIMCO
0.77%
10.36%
3.57%
N/A
Investment Grade Bond
PIMCO VIT International Bond Portfolio
(U.S. Dollar-Hedged)—Institutional Class
 
Adviser: PIMCO
0.94%
4.10%
1.18%
3.04%
Investment Grade Bond
PIMCO VIT Low Duration
Portfolio—Institutional Class
 
Adviser: PIMCO
0.51%
5.68%
1.72%
1.94%
Investment Grade Bond
PIMCO VIT Short-Term
Portfolio—Institutional Class
 
Adviser: PIMCO
0.50%
4.83%
3.40%
2.91%
Investment Grade Bond
PIMCO VIT Total Return
Portfolio—Institutional Class
 
Adviser: PIMCO
0.58%
9.05%
0.16%
2.51%
Sector
Principal VC Real Estate Securities
Account—Class 1
 
Adviser: Principal Global Investors, LLC
 
Subadviser: Principal Real Estate Investors,
LLC
0.78%
1.24%
4.88%
5.94%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Putnam VT International Value Fund—Class
IA
 
Adviser: Putnam Investment Management,
LLC
 
Subadvisers: Franklin, Franklin Templeton
Investment Management Limited and The
Putnam Advisory Company, LLC
0.81%
35.07%
12.77%
9.13%
Large Cap Equity
Voya Growth and Income Portfolio—Class I
 
Adviser: Voya Investments, LLC
 
Subadviser: Voya Investment Management
Co. LLC (“Voya”)
0.67%*
18.21%
15.46%
14.62%
Investment Grade Bond
Voya Intermediate Bond Portfolio — Class I
 
Adviser: Voya
0.55%*
7.71%
0.15%
2.66%
Investment Grade Bond
Western Asset Core Plus VIT
Portfolio—Class I**
 
Adviser: FTFA
 
Subadvisers: Western Asset Management
Company, LLC; Western Asset Management
Company Limited; Western Asset
Management Company Ltd.; and Western
Asset Management Company Pte. Ltd.
0.54%*
7.75%
(1.44)%
2.11%
*Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.**Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.
Prospectuses Available [Text Block] The following is a list of the Eligible Portfolios currently available under the policy. Before you invest, you should review the prospectuses for the Portfolios. These prospectuses contain more information about the Portfolios and their risks and may be amended from time to time. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus.You can also request this information at no cost by calling 1-800-598-2019 or sending an email request to MarketWealthPlusProspectus@newyorklife.com. The current expenses and performance information below reflects fees and expenses of the Eligible Portfolios, but does not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. 
Portfolio Companies [Table Text Block]
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP American Century Large Cap
Equity (formerly NYLI VP American Century
Sustainable Equity)—Initial Class
 
Adviser: New York Life Investment
Management LLC (“New York Life
Investments”)
 
Subadviser: American Century Investment
Management, Inc.
0.68%
11.34%
13.96%
11.86%
Asset Allocation
NYLIM VP Balanced—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: NYL Investors LLC (“NYLI”)
and Wellington Management LLP
(“Wellington”)
0.72%
11.44%
7.41%
7.30%
Investment Grade Bond
NYLIM VP Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.55%
6.83%
(0.63) %
1.96%
Sector
NYLIM VP CBRE Global
Infrastructure—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: CBRE Investment Management
Listed Real Assets LLC
0.95%*
15.60%
7.06%
2.64%
Asset Allocation
NYLIM VP Conservative Allocation—Initial
Class
 
Adviser: New York Life Investments
0.55%
9.56%
3.93%
5.40%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP Dimensional U.S. Equity—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Dimensional Fund Advisors LP
0.54%
13.75%
12.39%
12.68%
Large Cap Equity
NYLIM VP Epoch U.S. Equity Yield—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Epoch Investment Partners, Inc.
("Epoch")
0.68%*
14.24%
12.02%
9.96%
Asset Allocation
NYLIM VP Equity Allocation—Initial Class
 
Adviser: New York Life Investments
0.69%
13.98%
8.17%
9.34%
Sector
NYLIM VP Fidelity Institutional AM®
Utilities—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: FIAM LLC
0.68%
13.79%
12.34%
10.97%
Non-Investment Grade
Bond
NYLIM VP Floating Rate—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.64%
5.13%
5.43%
5.01%
Asset Allocation
NYLIM VP Growth Allocation—Initial Class
 
Adviser: New York Life Investments
0.64%
12.52%
7.33%
8.32%
Alternatives
NYLIM VP Hedge Multi-Strategy—Initial
Class
 
Adviser: New York Life Investments
1.01%*
8.05%
2.92%
2.07%
Asset Allocation
NYLIM VP Income Builder—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: Epoch and MacKay Shields
LLC (“MacKay”)
0.63%*
16.99%
6.56%
7.40%
Asset Allocation
NYLIM VP Janus Henderson
Balanced—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Janus Henderson Investors US
LLC (“Janus”)
0.58%
15.05%
8.58%
10.19%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Non-Investment Grade
Bond
NYLIM VP MacKay Convertible—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.59%
16.40%
5.60%
10.38%
Non-Investment Grade
Bond
NYLIM VP MacKay High Yield Corporate
Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.59%*
6.87%
4.44%
6.14%
Non-Investment Grade
Bond
NYLIM VP MacKay Strategic Bond—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.65%
8.87%
3.98%
4.40%
Investment Grade Bond
NYLIM VP MacKay U.S. Infrastructure
Bond—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MacKay
0.57%
8.44%
0.10%
1.38%
Large Cap Equity
NYLIM VP MFS® Investors Trust—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Massachusetts Financial
Services Company (“MFS”)
0.75%
N/A
N/A
N/A
Large Cap Equity
NYLIM VP MFS® Research—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: MFS
0.76%
N/A
N/A
N/A
Asset Allocation
NYLIM VP Moderate Allocation—Initial
Class
 
Adviser: New York Life Investments
0.58%
11.30%
5.62%
6.88%
Sector
NYLIM VP Natural Resources—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Newton Investment
Management North America, LLC (“NIMNA”)
0.85%
15.20%
17.27%
10.88%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Sector
NYLIM VP Newton Technology
Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NIMNA
0.78%*
N/A
N/A
N/A
Investment Grade Bond
NYLIM VP PIMCO Real Return—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Pacific Investment Management
Company LLC (“PIMCO”)
1.09%*
8.16%
1.36%
3.29%
International/Global
Equity
NYLIM VP PineStone International
Equity—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: PineStone Asset Management
Inc.
0.86%
12.29%
0.20%
5.44%
Large Cap Equity
NYLIM VP S&P 500 Index—Initial Class
 
Adviser: New York Life Investments
0.12%*
17.72%
14.28%
14.63%
Small/Mid Cap Equity
NYLIM VP Schroders Mid Cap
Opportunities—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Schroder Investment
Management North America
0.83%*
7.27%
5.05%
7.39%
Small/Mid Cap Equity
NYLIM VP Small Cap Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadvisers: Brown Advisory, LLC and
Segall Bryant & Hamill, LLC
0.86%
4.89%
1.64%
8.95%
Money Market
NYLIM VP U.S. Government Money
Market—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: NYLI
0.28%*
4.05%
3.02%
1.89%
Small/Mid Cap Equity
NYLIM VP Wellington Small Cap—Initial
Class
 
Adviser: New York Life Investments
 
Subadviser: Wellington
0.75%*
9.53%
5.93%
7.41%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
NYLIM VP Winslow Large Cap
Growth—Initial Class
 
Adviser: New York Life Investments
 
Subadviser: Winslow Capital Management,
Inc.
0.75%
14.35%
12.69%
16.14%
Small/Mid Cap Equity
AB VPS Discovery Value Portfolio—Class A
 
Adviser: AllianceBernstein L.P. (“AB”)
0.82%
2.89%
8.75%
8.55%
Large Cap Value
AB VPS Relative Value Portfolio—Class A
 
Adviser: AB
0.59%*
10.47%
11.42%
10.57%
Asset Allocation
American Funds® IS Asset Allocation
Fund—Class 2
 
Adviser: Capital Research and Management
CompanySM (“CRMC”)
0.54%
15.85%
8.97%
9.77%
Investment Grade Bond
American Funds® IS The Bond Fund of
America®—Class 2
 
Adviser: CRMC
0.47%*
7.26%
(0.14)%
2.36%
Investment Grade Bond
American Funds® IS Capital World Bond
Fund®—Class 2
 
Adviser: CRMC
0.73%
9.39%
(2.50)%
1.23%
Large Cap Equity
American Funds® IS Growth Fund—Class 2
 
Adviser: CRMC
0.58%
20.24%
13.37%
17.97%
Large Cap Equity
American Funds® IS Growth-Income
Fund—Class 2
 
Adviser: CRMC
0.53%
18.06%
13.90%
13.92%
Sector
American Funds® IS New World
Fund®—Class 2
 
Adviser: CRMC
0.82%*
28.29%
5.33%
9.25%
International/Global
Equity
American Funds® IS SMALLCAP World
Fund® (formerly American Funds® IS Global
Small Capitalization Fund)—Class 2
 
Adviser: CRMC
0.90%*
14.64%
0.49%
7.23%
Investment Grade Bond
American Funds® IS U.S. Government
Securities Fund®—Class 2
 
Adviser: CRMC
0.50%*
7.75%
(0.23)%
1.70%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Large Cap Equity
American Funds® IS Washington Mutual
Investors Fund—Class 2
 
Adviser: CRMC
0.50%*
17.21%
13.89%
12.36%
Asset Allocation
BlackRock® Global Allocation V.I.
Fund—Class I
 
Adviser: BlackRock Advisors, LLC
(“BlackRock”)
 
Subadviser: BlackRock (Singapore) Limited
and BlackRock International Limited
0.76%*
19.80%
5.79%
7.59%
Non-Investment Grade
Bond
BlackRock® High Yield V.I. Fund—Class I
 
Adviser: BlackRock
 
Subadviser: BlackRock International Limited
0.54%*
9.19%
4.79%
6.31%
Large Cap Equity
BNY Mellon Sustainable U.S. Equity
Portfolio—Initial Shares
 
Adviser: BNY Mellon Investment Adviser,
Inc.
 
Subadviser: Newton Investment
Management Limited
0.66%
15.97%
11.93%
13.56%
Non-Investment Grade
Bond
Columbia Variable Portfolio—Emerging
Markets Bond Fund—Class 1
 
Adviser: Columbia Management Investment
Advisers, LLC ("Columbia")
0.75%*
12.78%
1.70%
4.28%
Investment Grade Bond
Columbia Variable Portfolio—Intermediate
Bond Fund—Class 1
 
Adviser: Columbia
0.52%
9.06%
(0.43)%
2.77%
Investment Grade Bond
Columbia Variable Portfolio—Small
Company Growth Fund—Class 1
 
Adviser: Columbia
0.87%*
21.69%
3.59%
15.19%
Alternatives
DWS Alternative Asset Allocation
VIP—Class A
 
Adviser: DWS Investment Management
Americas Inc. (“DIMA”)
 
Subadviser: RREEF America LLC
0.93%
10.50%
5.29%
4.89%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Small/Mid Cap Equity
DWS Small Cap Index VIP—Class A
 
Adviser: DIMA
 
Subadviser: Northern Trust Investments, Inc.
0.37%*
12.64%
5.84%
9.33%
Small/Mid Cap Equity
DWS Small Mid Cap Value VIP—Class A
 
Adviser: DIMA
0.80%*
18.21%
9.66%
7.57%
Investment Grade Bond
Fidelity® VIP Bond Index Portfolio—Initial
Class
 
Adviser: Fidelity Management & Research
Company (“FMR”)
 
Subadvisers: Other investment advisers
0.14%
6.98%
(0.57)%
N/A
Large Cap Equity
Fidelity® VIP ContrafundSM Portfolio—Initial
Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.54%
21.52%
15.37%
15.78%
International/Global
Equity
Fidelity® VIP Emerging Markets
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.87%
41.20%
5.88%
10.93%
Large Cap Equity
Fidelity® VIP Equity-Income
PortfolioSM—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.46%
19.02%
12.51%
11.60%
Small/Mid Cap Equity
Fidelity® VIP Extended Market Index
Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: Geode Capital Management,
LLC (“Geode”)
0.12%
12.32%
8.02%
N/A
Asset Allocation
Fidelity® VIP Freedom 2020
PortfolioSM—Initial Class
 
Adviser: FMR
0.44%
13.33%
4.84%
7.38%
Asset Allocation
Fidelity® VIP Freedom 2030
PortfolioSM—Initial Class
 
Adviser: FMR
0.49%
15.52%
6.25%
8.88%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Asset Allocation
Fidelity® VIP Freedom 2040
PortfolioSM—Initial Class
 
Adviser: FMR
0.57%
18.79%
9.01%
10.87%
Large Cap Equity
Fidelity® VIP Growth Opportunities
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.56%
22.02%
11.31%
19.94%
Sector
Fidelity® VIP Health Care Portfolio—Initial
Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.59%
14.39%
4.18%
8.75%
International/Global
Equity
Fidelity® VIP International Capital
Appreciation Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: FIL Investment Advisors
0.78%
18.69%
6.26%
9.81%
International/Global
Equity
Fidelity® VIP International Index
Portfolio—Initial Class
 
Adviser: FMR
 
Subadviser: Geode
0.16%
33.15%
8.02%
N/A
Investment Grade Bond
Fidelity® VIP Investment Grade Bond
Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.37%
7.22%
0.06%
2.71%
Small/Mid Cap Equity
Fidelity® VIP Mid Cap Portfolio—Initial Class
 
Adviser: FMR
 
Subadvisers: Other investment advisers
0.55%
11.75%
10.10%
10.59%
Sector
Franklin Gold and Precious Metals VIP
Fund—Class 1
 
Adviser: Franklin Advisers, Inc. (“Franklin”)
0.70%*
N/A
N/A
N/A
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Asset Allocation
Franklin Templeton Aggressive Model
Portfolio—Class I
 
Adviser: Franklin Templeton Fund Adviser,
LLC (“FTFA”)
 
Subadviser: Franklin
0.63%
17.30%
10.41%
N/A
Asset Allocation
Franklin Templeton Conservative Model
Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.60%
9.39%
2.92%
N/A
Asset Allocation
Franklin Templeton Moderate Model
Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
13.56%
6.76%
N/A
Asset Allocation
Franklin Templeton Moderately Aggressive
Model Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
15.29%
8.12%
N/A
Asset Allocation
Franklin Templeton Moderately Conservative
Model Portfolio—Class I
 
Adviser: FTFA
 
Subadviser: Franklin
0.57%
11.76%
5.17%
N/A
International/Global
Equity
Goldman Sachs VIT International Equity
Insights Fund—Institutional Class
 
Adviser: Goldman Sachs Asset
Management, L.P.
0.80%*
6.12%
5.46%
4.88%
International/Global
Equity
Invesco V.I. EQV International Equity
Fund—Series I Shares
 
Adviser: Invesco Advisers, Inc. (“Invesco”)
0.90%
16.50%
3.68%
6.22%
Small/Mid Cap Equity
Invesco V.I. Main Street Small Cap
Fund®—Series I Shares
 
Adviser: Invesco
0.84%
8.70%
8.34%
10.59%
Small/Mid Cap Equity
Janus Henderson Enterprise
Portfolio—Institutional Shares
 
Adviser: Janus
0.72%
7.67%
7.62%
12.79%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Janus Henderson Global Research
Portfolio—Institutional Shares
 
Adviser: Janus
0.82%
20.92%
12.51%
12.93%
Investment Grade Bond
Lord Abbett Series Fund, Inc.—Short
Duration Income Portfolio—Class I
 
Adviser: Lord, Abbett & Co. LLC
0.47%*
N/A
N/A
N/A
Large Cap Equity
LVIP ClearBridge Appreciation
Fund—Standard Class (formerly
ClearBridge Variable Appreciation
Portfolio—Class I)
 
Adviser: Lincoln Financial Investments
Corporation (“LFIC”)
 
Subadviser: ClearBridge Investments, LLC
0.70%*
14.50%
12.72%
13.34%
Small/Mid Cap Equity
LVIP SSgA Mid-Cap Index Fund—Standard
Class
 
Adviser: LFIC
 
Subadviser: SSgA Funds Management, Inc.
0.35%*
13.55%
9.94%
9.31%
International Equity
MFS® International Intrinsic Equity Portfolio
(formerly MFS® International Intrinsic Value
Portfolio)—Initial Class
 
Adviser: MFS
0.89%*
33.26%
7.28%
9.95%
Mid Cap Equity
MFS® Mid Cap Value Portfolio—Initial Class
 
Adviser: MFS
0.79%*
5.98%
10.18%
9.95%
Small/Mid Cap Equity
MFS® New Discovery Series—Initial Class
 
Adviser: MFS
0.87%*
12.96%
(0.28)%
10.74%
Foreign Large Blend
MFS® Research International
Portfolio—Initial Class
 
Adviser: MFS
0.90%*
22.05%
5.51%
7.54%
Small/Mid Cap Equity
Neuberger Berman AMT Mid Cap Growth
Portfolio—Class I
 
Adviser: Neuberger Berman Investment
Advisers LLC
0.86%*
5.45%
4.47%
10.96%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Nomura VIP Emerging Markets Series
(formerly Macquarie VIP Emerging Markets
Series)—Standard Class
 
Adviser: Delaware Management Company, a
series of Nomura Investment Management
Business Trust
1.16%*
81.26%
8.81%
12.17%
Small/Mid Cap Equity
Nomura VIP Small Cap Value Series
(formerly Macquarie VIP Small Cap Value
Series)—Standard Class
 
Adviser: Delaware Management Company, a
series of Nomura Investment Management
Business Trust
0.74%
8.16%
9.26%
9.15%
Investment Grade Bond
PIMCO VIT Income Portfolio—Institutional
Class
 
Adviser: PIMCO
0.77%
10.36%
3.57%
N/A
Investment Grade Bond
PIMCO VIT International Bond Portfolio
(U.S. Dollar-Hedged)—Institutional Class
 
Adviser: PIMCO
0.94%
4.10%
1.18%
3.04%
Investment Grade Bond
PIMCO VIT Low Duration
Portfolio—Institutional Class
 
Adviser: PIMCO
0.51%
5.68%
1.72%
1.94%
Investment Grade Bond
PIMCO VIT Short-Term
Portfolio—Institutional Class
 
Adviser: PIMCO
0.50%
4.83%
3.40%
2.91%
Investment Grade Bond
PIMCO VIT Total Return
Portfolio—Institutional Class
 
Adviser: PIMCO
0.58%
9.05%
0.16%
2.51%
Sector
Principal VC Real Estate Securities
Account—Class 1
 
Adviser: Principal Global Investors, LLC
 
Subadviser: Principal Real Estate Investors,
LLC
0.78%
1.24%
4.88%
5.94%
Portfolio Type
Portfolio and Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
International/Global
Equity
Putnam VT International Value Fund—Class
IA
 
Adviser: Putnam Investment Management,
LLC
 
Subadvisers: Franklin, Franklin Templeton
Investment Management Limited and The
Putnam Advisory Company, LLC
0.81%
35.07%
12.77%
9.13%
Large Cap Equity
Voya Growth and Income Portfolio—Class I
 
Adviser: Voya Investments, LLC
 
Subadviser: Voya Investment Management
Co. LLC (“Voya”)
0.67%*
18.21%
15.46%
14.62%
Investment Grade Bond
Voya Intermediate Bond Portfolio — Class I
 
Adviser: Voya
0.55%*
7.71%
0.15%
2.66%
Investment Grade Bond
Western Asset Core Plus VIT
Portfolio—Class I**
 
Adviser: FTFA
 
Subadvisers: Western Asset Management
Company, LLC; Western Asset Management
Company Limited; Western Asset
Management Company Ltd.; and Western
Asset Management Company Pte. Ltd.
0.54%*
7.75%
(1.44)%
2.11%
*Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.**Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.
Temporary Fee Reductions, Current Expenses [Text Block] Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2027 and may be terminated at any time at the option of the Fund. Annual expenses for the Eligible Portfolios for the year ended December 31, 2025, reflect temporary fee reductions under such an arrangement.Premiums or transfers will only be accepted into this fund from policyowners already invested in this fund. Policyowners who remove all Cash Value allocations from this fund will not be permitted to reinvest in this fund.
Market Wealth Plus | Investment Risk  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Investment RiskWhile a variable policy has the potential for a higher rate of return than a fixed rate policy, investment returns on the assets in the Separate Account may decline in value, and you can lose principal. Each Investment Division has its own investment objective and investment strategy. The performance of each will vary, and some Investment Divisions are riskier than others. We do not guarantee the investment performance of the Investment Divisions or Eligible Portfolios. You bear the entire investment risk for all amounts allocated to the Separate Account Investment Divisions. Your premium and Cash Value allocation choices should be consistent with your personal investment objective and your risk tolerance.
Market Wealth Plus | Portfolio Risks  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Portfolio RisksThe Investment Divisions involve the risk of poor investment performance. A discussion of the risks of allocating Cash Value to each of the Investment Divisions can be found in the corresponding Fund’s prospectus.
Market Wealth Plus | Risk of Lapse (especially on minimally-funded policies)  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Risk of Lapse (especially on minimally-funded policies)Your policy can lapse even if you pay all of the planned premiums on time. When a policy lapses, it has no value, and no benefits are paid upon the death of the insured. You may also lose the principal invested. Note that termination and lapse have the same meaning and effect throughout this prospectus. A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction Charges and other charges, or that is otherwise minimally funded, is less likely to maintain its Cash Surrender Value due to market fluctuation and other performance related risks. To continue to keep your policy in force when the Guarantee Period ends, premium payments significantly higher than the premium necessary to maintain the No Lapse Guarantee benefit may be required. In addition, by paying only the minimum required monthly premium for the No Lapse Guarantee, you may forego the opportunity to build up significant Cash Value in the policy. When initially determining the amount of your planned premium payments, you should consider funding your policy at a level that has the potential to maximize the investment opportunities within your policy and to minimize the risks associated with market fluctuations.
Market Wealth Plus | Risk of Lapse from Policy Loans  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Risk of Lapse from Policy LoansThe larger a policy loan becomes relative to the policy’s Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the policy lapsing. Any loan interest payable on a policy anniversary that you do not pay will become part of the outstanding policy loan principal and will also accrue interest. A loan, repaid or not, has a permanent effect on your Cash Value. The effect could be favorable if the Investment Divisions earn less than the interest rate credited on the loan amount in the Loan Account, or unfavorable, if the Investment Divisions earn more. The longer a loan is outstanding, the greater the effect on your Cash Value. If it is not repaid, the aggregate amount of the outstanding loan principal and any accrued interest will reduce the Life Insurance Proceeds that might otherwise be paid. Unless your policy qualifies as a modified endowment contract, policy loans are not taxable. However, if loans taken, including unpaid loan interest, exceed the premiums paid, a policy surrender or lapse will result in a taxable event for you. If a policy is a modified endowment contract, a loan may result in taxable income and penalty taxes to you.
Market Wealth Plus | Limitations on Access to Cash Value  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Limitations on Access to Cash Value (Liquidity Risk)The Policy is generally not a liquid investment. Surrender charges will apply during the Surrender Charge Period. The policy is designed for long-term life insurance coverage. It is not suitable as a short-term investment vehicle. There are limitations on your ability to access your cash value through full and partial surrenders, including surrender charges, partial surrender fees, possible tax consequences, adverse impacts on policy benefits, increased risk of policy lapse, and administrative requirements. A partial surrender will reduce your policy’s Cash Value by the amount withdrawn. If the policy’s Cash Surrender Value is reduced to a point where it cannot meet the Monthly Deduction Charges, your policy may lapse and terminate. A partial surrender may also reduce your policy’s Face Amount and may have adverse tax consequences. Accessing Cash Value through policy loans also has costs, increases the risk of policy lapse, may have adverse tax consequences, and may negatively impact your Cash Value and other policy benefits.
Market Wealth Plus | Tax Risks  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Tax RisksThe section of this prospectus entitled “Federal Income Tax Considerations” describes a number of tax issues that may arise in connection with the policy. These risks include: (1) the possibility that the IRS may interpret the rules that apply to variable universal life insurance contracts in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as life insurance for tax purposes; (3) the possibility that, as a result of policy transactions, including the payment of premiums or increases or decreases in policy benefits, the policy may be treated as a modified endowment contract for federal income tax purposes, with special rules that apply to policy distributions, including loans; (4) in general, the possibility that the policy may not qualify as life insurance under the federal tax law after the insured becomes age 100 and that the owner may be subject to adverse tax consequences at that time; (5) whether and to what extent the Life Insurance Benefit may be received on a tax-free basis in the case of employer-owned life insurance contracts; and (6) the possibility that the IRS may treat a loan as a taxable distribution if there is no spread, or a very small spread, between the interest rate charged on the loan and the interest rate credited on the loaned amount. In addition, Congress may change the present federal income tax laws that apply to your policy, or the IRS may change current interpretations thereof, which change may occur without notice, and could have retroactive effects, regardless of the date of enactment or publication, as the case may be.
Market Wealth Plus | Potential for Increased Charges  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Potential for Increased ChargesThe actual charges deducted are current charges on your policy. However, we have the right to increase those charges at any time up to the guaranteed maximum charges specified in the fee table and as stated in your policy. (See “Table of Fees and Expenses” for more information.)
Market Wealth Plus | Potential Harmful Transfer Activity  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Potentially Harmful Transfer ActivityThis policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity (see “Description of the Policy—Limits on Transfers” for more information). We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things: ●portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective; ●increased administrative and Fund brokerage expenses; and/or ●dilution of the interests of long-term investors. An underlying Fund portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby preventing us from implementing your request for a transfer. (See “Description of the Policy—Limits on Transfers” for more information on the risks of frequent trading.)
Market Wealth Plus | Potential for Low Crediting Rates  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Potential for Low Crediting RatesThe rates we declare on the Fixed Account, DCA Accounts and Loan Account may be lower than what you would find acceptable.
Market Wealth Plus | Insurance Company Risks; Risks Affecting our Administration of Your Policy  
Item 2. Key Information [Line Items]  
Principal Risk [Text Block] Insurance Company Risks; Risks Affecting our Administration of Your PolicyNYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyber-attack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See “Management and Organization—Information Systems Failures and Cybersecurity Risks” for more information on information systems failures and cybersecurity risks and “Management and Organization—Risks from Serious Infectious Disease Outbreaks” for more information on risks from serious infectious disease outbreaks.) NYLIAC’s obligations under the policy are subject to its claims-paying ability and financial strength, and are not backed or guaranteed by NYLIC.
Market Wealth Plus | Risk of Loss [Member]  
Item 2. Key Information [Line Items]  
Risk [Text Block] You can lose money by investing in this policy, including loss of your premiums (principal).For more detailed information, see the Prospectus, Summary of Principal Risks of Investing in the Policy; Management and Organization – About the Separate Account.
Market Wealth Plus | Not Short Term Investment Risk [Member]  
Item 2. Key Information [Line Items]  
Risk [Text Block] This policy is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.The policy is designed to provide a Life Insurance Benefit or to help meet other long-term financial objectives. Substantial fees, expenses, and tax implications in the early years of the policy make variable life insurance unsuitable as a short-term savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of the Cash Value through partial surrenders or loans.For more detailed information, see the Prospectus, Summary of Principal Risks of Investing in the Policy; Loans; and Surrenders–Partial Surrenders–Amount Available for a Partial Surrender.
Principal Risk [Text Block] Not a Short-Term InvestmentIn addition, a variable life insurance policy is designed to provide a Life Insurance Benefit or to help meet other long-term financial objectives. Substantial fees, expenses, and tax implications generally make variable life insurance unsuitable as a short-term savings vehicle. Additionally, the policy may limit your ability to withdraw a portion of the Cash Value through partial surrenders. (See “Loans”, and “Surrenders—Partial Surrenders—Amount Available for a Partial Surrender”.)
Market Wealth Plus | Investment Options Risk [Member]  
Item 2. Key Information [Line Items]  
Risk [Text Block] •An investment in this policy is subject to the risk of poor investment performance of the Eligible Portfolios (portfolio companies) you choose, and the value of an investment can vary depending on the performance of the Eligible Portfolios.•Each investment option (the Eligible Portfolios and the Fixed Investment Options) has its own unique risks. The performance of the Eligible Portfolios will vary, and some are riskier than others.•A discussion of the risks of allocating your premiums or Cash Value to one or more Eligible Portfolios can be found in the prospectuses for the Eligible Portfolios, which are available at https://dfinview.com/NewYorkLife/TAHD/marketwealthplus. You should review the prospectuses for the Eligible Portfolios before making an investment decision.For more detailed information, see the Prospectus, Summary of Principal Risks of Investing in the Policy; Management and Organization – About the Separate Account.
Market Wealth Plus | Insurance Company Risk [Member]  
Item 2. Key Information [Line Items]  
Risk [Text Block] An investment in the policy is subject to the risks related to New York Life Insurance and Annuity Corporation (NYLIAC), including: ○Any obligations (including the Fixed Account and the DCA Accounts), guarantees, and benefits of the policy are subject to the claims-paying ability and financial strength of NYLIAC. ○There are risks relating to NYLIAC’s administration of the policy, including cybersecurity and infectious disease outbreak risks. ○If NYLIAC experiences financial distress, it may not be able to meet its obligations to you. More information about NYLIAC, including its financial strength ratings, is available upon request from NYLIAC at 1-800-598-2019.For more detailed information, see the Prospectus, Management and Organization; Financial Statements; Summary of Principal Risks of Investing in the Policy– Insurance Company Risks; Risks Affecting Our Administration of the Policy.
Market Wealth Plus | Contract Lapse Risk [Member]  
Item 2. Key Information [Line Items]  
Risk [Text Block] Your policy can lapse even if you pay all of the planned premiums on time. When a policy lapses, it has no value, and no benefits are paid upon the death of the insured. You may also lose the principal invested. A policy can lapse if the Cash Surrender Value is insufficient to pay the Monthly Deduction Charges and other charges. This can happen due to insufficient premium payments, poor investment performance, partial surrenders, unpaid loans or loan interest, and policy charges (including increases in those charges). The larger a policy loan becomes relative to the policy’s Cash Surrender Value, the greater the risk that the policy’s Cash Surrender Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the policy lapsing. A policy lapse may have tax consequences.A policy that has a Cash Surrender Value just sufficient to cover Monthly Deduction Charges and other charges, or that is otherwise minimally funded, is less likely to maintain its Cash Surrender Value due to market fluctuation and other performance related risks. To continue to keep your policy in force when the Guarantee Period ends, premium payments significantly higher than the premium necessary to maintain the No Lapse Guarantee benefit may be required.If the policy lapses, there are costs and premium requirements associated with reinstatement of the policy.For more detailed information, see the Prospectus, Summary of Principal Risks of Investing in the Policy; Termination and Reinstatement; Premiums - Risk of Minimally Funded Policies.
Market Wealth Plus | NYLIM VP American Century Large Cap Equity Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP American Century Large Cap Equity (formerly NYLI VP American Century Sustainable Equity)—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investment Management LLC (“New York Life Investments”)
Portfolio Company Subadviser [Text Block] American Century Investment Management, Inc.
Current Expenses [Percent] 0.68%
Average Annual Total Returns, 1 Year [Percent] 11.34%
Average Annual Total Returns, 5 Years [Percent] 13.96%
Average Annual Total Returns, 10 Years [Percent] 11.86%
Market Wealth Plus | NYLIM VP Balanced Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Balanced—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] NYL Investors LLC (“NYLI”) and Wellington Management LLP (“Wellington”)
Current Expenses [Percent] 0.72%
Average Annual Total Returns, 1 Year [Percent] 11.44%
Average Annual Total Returns, 5 Years [Percent] 7.41%
Average Annual Total Returns, 10 Years [Percent] 7.30%
Market Wealth Plus | NYLIM VP Bond Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Bond—Initial Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] NYLI
Current Expenses [Percent] 0.55%
Average Annual Total Returns, 1 Year [Percent] 6.83%
Average Annual Total Returns, 5 Years [Percent] (0.63%)
Average Annual Total Returns, 10 Years [Percent] 1.96%
Market Wealth Plus | NYLIM VP CBRE Global Infrastructure Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP CBRE Global Infrastructure—Initial Class
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] CBRE Investment Management Listed Real Assets LLC
Current Expenses [Percent] 0.95%
Average Annual Total Returns, 1 Year [Percent] 15.60%
Average Annual Total Returns, 5 Years [Percent] 7.06%
Average Annual Total Returns, 10 Years [Percent] 2.64%
Market Wealth Plus | NYLIM VP Conservative Allocation Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Conservative Allocation—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 0.55%
Average Annual Total Returns, 1 Year [Percent] 9.56%
Average Annual Total Returns, 5 Years [Percent] 3.93%
Average Annual Total Returns, 10 Years [Percent] 5.40%
Market Wealth Plus | NYLIM VP Dimensional U.S. Equity Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Dimensional U.S. Equity—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Dimensional Fund Advisors LP
Current Expenses [Percent] 0.54%
Average Annual Total Returns, 1 Year [Percent] 13.75%
Average Annual Total Returns, 5 Years [Percent] 12.39%
Average Annual Total Returns, 10 Years [Percent] 12.68%
Market Wealth Plus | NYLIM VP Epoch U.S. Equity Yield Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Epoch U.S. Equity Yield—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Epoch Investment Partners, Inc. ("Epoch")
Current Expenses [Percent] 0.68%
Average Annual Total Returns, 1 Year [Percent] 14.24%
Average Annual Total Returns, 5 Years [Percent] 12.02%
Average Annual Total Returns, 10 Years [Percent] 9.96%
Market Wealth Plus | NYLIM VP Equity Allocation Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Equity Allocation—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 0.69%
Average Annual Total Returns, 1 Year [Percent] 13.98%
Average Annual Total Returns, 5 Years [Percent] 8.17%
Average Annual Total Returns, 10 Years [Percent] 9.34%
Market Wealth Plus | NYLIM VP Fidelity Institutional AM® Utilities Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Fidelity Institutional AM® Utilities—Initial Class
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] FIAM LLC
Current Expenses [Percent] 0.68%
Average Annual Total Returns, 1 Year [Percent] 13.79%
Average Annual Total Returns, 5 Years [Percent] 12.34%
Average Annual Total Returns, 10 Years [Percent] 10.97%
Market Wealth Plus | NYLIM VP Floating Rate Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Floating Rate—Initial Class
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] NYLI
Current Expenses [Percent] 0.64%
Average Annual Total Returns, 1 Year [Percent] 5.13%
Average Annual Total Returns, 5 Years [Percent] 5.43%
Average Annual Total Returns, 10 Years [Percent] 5.01%
Market Wealth Plus | NYLIM VP Growth Allocation Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Growth Allocation—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 0.64%
Average Annual Total Returns, 1 Year [Percent] 12.52%
Average Annual Total Returns, 5 Years [Percent] 7.33%
Average Annual Total Returns, 10 Years [Percent] 8.32%
Market Wealth Plus | NYLIM VP Hedge Multi-Strategy - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Hedge Multi-Strategy—Initial Class
Portfolio Company Objective [Text Block] Alternatives
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 1.01%
Average Annual Total Returns, 1 Year [Percent] 8.05%
Average Annual Total Returns, 5 Years [Percent] 2.92%
Average Annual Total Returns, 10 Years [Percent] 2.07%
Market Wealth Plus | NYLIM VP Income Builder Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Income Builder—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Epoch and MacKay Shields LLC (“MacKay”)
Current Expenses [Percent] 0.63%
Average Annual Total Returns, 1 Year [Percent] 16.99%
Average Annual Total Returns, 5 Years [Percent] 6.56%
Average Annual Total Returns, 10 Years [Percent] 7.40%
Market Wealth Plus | NYLIM VP Janus Henderson Balanced Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Janus Henderson Balanced—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Janus Henderson Investors US LLC (“Janus”)
Current Expenses [Percent] 0.58%
Average Annual Total Returns, 1 Year [Percent] 15.05%
Average Annual Total Returns, 5 Years [Percent] 8.58%
Average Annual Total Returns, 10 Years [Percent] 10.19%
Market Wealth Plus | NYLIM VP Mackay Convertible Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MacKay Convertible—Initial Class
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] MacKay
Current Expenses [Percent] 0.59%
Average Annual Total Returns, 1 Year [Percent] 16.40%
Average Annual Total Returns, 5 Years [Percent] 5.60%
Average Annual Total Returns, 10 Years [Percent] 10.38%
Market Wealth Plus | NYLIM VP Mackay High Yield Corporate Bond Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MacKay High Yield Corporate Bond—Initial Class
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] MacKay
Current Expenses [Percent] 0.59%
Average Annual Total Returns, 1 Year [Percent] 6.87%
Average Annual Total Returns, 5 Years [Percent] 4.44%
Average Annual Total Returns, 10 Years [Percent] 6.14%
Market Wealth Plus | NYLIM VP Mackay Strategic Bond Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MacKay Strategic Bond—Initial Class
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] MacKay
Current Expenses [Percent] 0.65%
Average Annual Total Returns, 1 Year [Percent] 8.87%
Average Annual Total Returns, 5 Years [Percent] 3.98%
Average Annual Total Returns, 10 Years [Percent] 4.40%
Market Wealth Plus | NYLIM VP MacKay U.S. Infrastructure Bond Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MacKay U.S. Infrastructure Bond—Initial Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] MacKay
Current Expenses [Percent] 0.57%
Average Annual Total Returns, 1 Year [Percent] 8.44%
Average Annual Total Returns, 5 Years [Percent] 0.10%
Average Annual Total Returns, 10 Years [Percent] 1.38%
Market Wealth Plus | NYLIM VP MFS® Investors Trust Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MFS® Investors Trust—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Massachusetts Financial Services Company (“MFS”)
Current Expenses [Percent] 0.75%
Market Wealth Plus | NYLIM VP MFS® Research Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP MFS® Research—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] MFS
Current Expenses [Percent] 0.76%
Market Wealth Plus | NYLIM VP Moderate Allocation Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Moderate Allocation—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 0.58%
Average Annual Total Returns, 1 Year [Percent] 11.30%
Average Annual Total Returns, 5 Years [Percent] 5.62%
Average Annual Total Returns, 10 Years [Percent] 6.88%
Market Wealth Plus | NYLIM VP Natural Resources Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Natural Resources—Initial Class
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Newton Investment Management North America, LLC (“NIMNA”)
Current Expenses [Percent] 0.85%
Average Annual Total Returns, 1 Year [Percent] 15.20%
Average Annual Total Returns, 5 Years [Percent] 17.27%
Average Annual Total Returns, 10 Years [Percent] 10.88%
Market Wealth Plus | NYLIM VP Newton Technology Growth Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Newton Technology Growth—Initial Class
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] NIMNA
Current Expenses [Percent] 0.78%
Market Wealth Plus | NYLIM VP PIMCO Real Return Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP PIMCO Real Return—Initial Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Pacific Investment Management Company LLC (“PIMCO”)
Current Expenses [Percent] 1.09%
Average Annual Total Returns, 1 Year [Percent] 8.16%
Average Annual Total Returns, 5 Years [Percent] 1.36%
Average Annual Total Returns, 10 Years [Percent] 3.29%
Market Wealth Plus | NYLIM VP PineStone International Equity Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP PineStone International Equity—Initial Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] PineStone Asset Management Inc.
Current Expenses [Percent] 0.86%
Average Annual Total Returns, 1 Year [Percent] 12.29%
Average Annual Total Returns, 5 Years [Percent] 0.20%
Average Annual Total Returns, 10 Years [Percent] 5.44%
Market Wealth Plus | NYLIM VP SP 500 Index Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP S&P 500 Index—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Current Expenses [Percent] 0.12%
Average Annual Total Returns, 1 Year [Percent] 17.72%
Average Annual Total Returns, 5 Years [Percent] 14.28%
Average Annual Total Returns, 10 Years [Percent] 14.63%
Market Wealth Plus | NYLIM VP Schroders Mid Cap Opportunities - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Schroders Mid Cap Opportunities—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Schroder Investment Management North America
Current Expenses [Percent] 0.83%
Average Annual Total Returns, 1 Year [Percent] 7.27%
Average Annual Total Returns, 5 Years [Percent] 5.05%
Average Annual Total Returns, 10 Years [Percent] 7.39%
Market Wealth Plus | NYLIM VP Small Cap Growth Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Small Cap Growth—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Brown Advisory, LLC and Segall Bryant & Hamill, LLC
Current Expenses [Percent] 0.86%
Average Annual Total Returns, 1 Year [Percent] 4.89%
Average Annual Total Returns, 5 Years [Percent] 1.64%
Average Annual Total Returns, 10 Years [Percent] 8.95%
Market Wealth Plus | NYLIM VP U.S. Government Money Market Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP U.S. Government Money Market—Initial Class
Portfolio Company Objective [Text Block] Money Market
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] NYLI
Current Expenses [Percent] 0.28%
Average Annual Total Returns, 1 Year [Percent] 4.05%
Average Annual Total Returns, 5 Years [Percent] 3.02%
Average Annual Total Returns, 10 Years [Percent] 1.89%
Market Wealth Plus | NYLIM VP Wellington Small Cap Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Wellington Small Cap—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Wellington
Current Expenses [Percent] 0.75%
Average Annual Total Returns, 1 Year [Percent] 9.53%
Average Annual Total Returns, 5 Years [Percent] 5.93%
Average Annual Total Returns, 10 Years [Percent] 7.41%
Market Wealth Plus | NYLIM VP Winslow Large Cap Growth Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] NYLIM VP Winslow Large Cap Growth—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] New York Life Investments
Portfolio Company Subadviser [Text Block] Winslow Capital Management, Inc.
Current Expenses [Percent] 0.75%
Average Annual Total Returns, 1 Year [Percent] 14.35%
Average Annual Total Returns, 5 Years [Percent] 12.69%
Average Annual Total Returns, 10 Years [Percent] 16.14%
Market Wealth Plus | AB VPS Discovery Value Portfolio - Class A  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] AB VPS Discovery Value Portfolio—Class A
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] AllianceBernstein L.P. (“AB”)
Current Expenses [Percent] 0.82%
Average Annual Total Returns, 1 Year [Percent] 2.89%
Average Annual Total Returns, 5 Years [Percent] 8.75%
Average Annual Total Returns, 10 Years [Percent] 8.55%
Market Wealth Plus | AB VPS Relative Value Portfolio - Class A  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] AB VPS Relative Value Portfolio—Class A
Portfolio Company Objective [Text Block] Large Cap Value
Portfolio Company Adviser [Text Block] AB
Current Expenses [Percent] 0.59%
Average Annual Total Returns, 1 Year [Percent] 10.47%
Average Annual Total Returns, 5 Years [Percent] 11.42%
Average Annual Total Returns, 10 Years [Percent] 10.57%
Market Wealth Plus | American Funds IS Asset Allocation Fund - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS Asset Allocation Fund—Class 2
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] Capital Research and Management CompanySM (“CRMC”)
Current Expenses [Percent] 0.54%
Average Annual Total Returns, 1 Year [Percent] 15.85%
Average Annual Total Returns, 5 Years [Percent] 8.97%
Average Annual Total Returns, 10 Years [Percent] 9.77%
Market Wealth Plus | American Funds IS The Bond Fund of America® - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS The Bond Fund of America®—Class 2
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.47%
Average Annual Total Returns, 1 Year [Percent] 7.26%
Average Annual Total Returns, 5 Years [Percent] (0.14%)
Average Annual Total Returns, 10 Years [Percent] 2.36%
Market Wealth Plus | American Funds IS Capital World Bond Fund® - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS Capital World Bond Fund®—Class 2
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.73%
Average Annual Total Returns, 1 Year [Percent] 9.39%
Average Annual Total Returns, 5 Years [Percent] (2.50%)
Average Annual Total Returns, 10 Years [Percent] 1.23%
Market Wealth Plus | American Funds IS Growth Fund - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS Growth Fund—Class 2
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.58%
Average Annual Total Returns, 1 Year [Percent] 20.24%
Average Annual Total Returns, 5 Years [Percent] 13.37%
Average Annual Total Returns, 10 Years [Percent] 17.97%
Market Wealth Plus | American Funds IS Growth-Income Fund - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS Growth-Income Fund—Class 2
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.53%
Average Annual Total Returns, 1 Year [Percent] 18.06%
Average Annual Total Returns, 5 Years [Percent] 13.90%
Average Annual Total Returns, 10 Years [Percent] 13.92%
Market Wealth Plus | American Funds IS New World Fund® - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS New World Fund®—Class 2
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.82%
Average Annual Total Returns, 1 Year [Percent] 28.29%
Average Annual Total Returns, 5 Years [Percent] 5.33%
Average Annual Total Returns, 10 Years [Percent] 9.25%
Market Wealth Plus | American Funds IS SMALLCAP World Fund - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS SMALLCAP World Fund® (formerly American Funds® IS Global Small Capitalization Fund)—Class 2
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.90%
Average Annual Total Returns, 1 Year [Percent] 14.64%
Average Annual Total Returns, 5 Years [Percent] 0.49%
Average Annual Total Returns, 10 Years [Percent] 7.23%
Market Wealth Plus | American Funds IS U.S. Government Securities Fund®-Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS U.S. Government Securities Fund®—Class 2
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.50%
Average Annual Total Returns, 1 Year [Percent] 7.75%
Average Annual Total Returns, 5 Years [Percent] (0.23%)
Average Annual Total Returns, 10 Years [Percent] 1.70%
Market Wealth Plus | American Funds IS Washington Mutual Investors Fund® - Class 2  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] American Funds® IS Washington Mutual Investors Fund—Class 2
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] CRMC
Current Expenses [Percent] 0.50%
Average Annual Total Returns, 1 Year [Percent] 17.21%
Average Annual Total Returns, 5 Years [Percent] 13.89%
Average Annual Total Returns, 10 Years [Percent] 12.36%
Market Wealth Plus | BlackRock® Global Allocation V.I. Fund - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] BlackRock® Global Allocation V.I. Fund—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] BlackRock Advisors, LLC (“BlackRock”)
Portfolio Company Subadviser [Text Block] BlackRock (Singapore) Limited and BlackRock International Limited
Current Expenses [Percent] 0.76%
Average Annual Total Returns, 1 Year [Percent] 19.80%
Average Annual Total Returns, 5 Years [Percent] 5.79%
Average Annual Total Returns, 10 Years [Percent] 7.59%
Market Wealth Plus | BlackRock® High Yield V.I. Fund - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] BlackRock® High Yield V.I. Fund—Class I
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] BlackRock
Portfolio Company Subadviser [Text Block] BlackRock International Limited
Current Expenses [Percent] 0.54%
Average Annual Total Returns, 1 Year [Percent] 9.19%
Average Annual Total Returns, 5 Years [Percent] 4.79%
Average Annual Total Returns, 10 Years [Percent] 6.31%
Market Wealth Plus | BNY Mellon Sustainable U.S. Equity Portfolio - Initial Shares  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] BNY Mellon Sustainable U.S. Equity Portfolio—Initial Shares
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] BNY Mellon Investment Adviser, Inc.
Portfolio Company Subadviser [Text Block] Newton Investment Management Limited
Current Expenses [Percent] 0.66%
Average Annual Total Returns, 1 Year [Percent] 15.97%
Average Annual Total Returns, 5 Years [Percent] 11.93%
Average Annual Total Returns, 10 Years [Percent] 13.56%
Market Wealth Plus | Columbia Variable Portfolio - Emerging Markets Bond Fund - Class 1  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Columbia Variable Portfolio—Emerging Markets Bond Fund—Class 1
Portfolio Company Objective [Text Block] Non-Investment Grade Bond
Portfolio Company Adviser [Text Block] Columbia Management Investment Advisers, LLC ("Columbia")
Current Expenses [Percent] 0.75%
Average Annual Total Returns, 1 Year [Percent] 12.78%
Average Annual Total Returns, 5 Years [Percent] 1.70%
Average Annual Total Returns, 10 Years [Percent] 4.28%
Market Wealth Plus | Columbia Variable Portfolio - Intermediate Bond Fund - Class 1  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Columbia Variable Portfolio—Intermediate Bond Fund—Class 1
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] Columbia
Current Expenses [Percent] 0.52%
Average Annual Total Returns, 1 Year [Percent] 9.06%
Average Annual Total Returns, 5 Years [Percent] (0.43%)
Average Annual Total Returns, 10 Years [Percent] 2.77%
Market Wealth Plus | Columbia Variable Portfolio - Small Company Growth Fund - Class 1  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Columbia Variable Portfolio—Small Company Growth Fund—Class 1
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] Columbia
Current Expenses [Percent] 0.87%
Average Annual Total Returns, 1 Year [Percent] 21.69%
Average Annual Total Returns, 5 Years [Percent] 3.59%
Average Annual Total Returns, 10 Years [Percent] 15.19%
Market Wealth Plus | DWS Alternative Asset Allocation VIP - Class A  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] DWS Alternative Asset Allocation VIP—Class A
Portfolio Company Objective [Text Block] Alternatives
Portfolio Company Adviser [Text Block] DWS Investment Management Americas Inc. (“DIMA”)
Portfolio Company Subadviser [Text Block] RREEF America LLC
Current Expenses [Percent] 0.93%
Average Annual Total Returns, 1 Year [Percent] 10.50%
Average Annual Total Returns, 5 Years [Percent] 5.29%
Average Annual Total Returns, 10 Years [Percent] 4.89%
Market Wealth Plus | DWS Small Cap Index VIP - Class A  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] DWS Small Cap Index VIP—Class A
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] DIMA
Portfolio Company Subadviser [Text Block] Northern Trust Investments, Inc.
Current Expenses [Percent] 0.37%
Average Annual Total Returns, 1 Year [Percent] 12.64%
Average Annual Total Returns, 5 Years [Percent] 5.84%
Average Annual Total Returns, 10 Years [Percent] 9.33%
Market Wealth Plus | DWS Small Mid Cap Value VIP - Class A  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] DWS Small Mid Cap Value VIP—Class A
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] DIMA
Current Expenses [Percent] 0.80%
Average Annual Total Returns, 1 Year [Percent] 18.21%
Average Annual Total Returns, 5 Years [Percent] 9.66%
Average Annual Total Returns, 10 Years [Percent] 7.57%
Market Wealth Plus | Fidelity® VIP Bond Index Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Bond Index Portfolio—Initial Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] Fidelity Management & Research Company (“FMR”)
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.14%
Average Annual Total Returns, 1 Year [Percent] 6.98%
Average Annual Total Returns, 5 Years [Percent] (0.57%)
Market Wealth Plus | Fidelity® VIP Contrafund Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP ContrafundSM Portfolio—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.54%
Average Annual Total Returns, 1 Year [Percent] 21.52%
Average Annual Total Returns, 5 Years [Percent] 15.37%
Average Annual Total Returns, 10 Years [Percent] 15.78%
Market Wealth Plus | Fidelity® VIP Emerging Markets Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Emerging Markets Portfolio—Initial Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.87%
Average Annual Total Returns, 1 Year [Percent] 41.20%
Average Annual Total Returns, 5 Years [Percent] 5.88%
Average Annual Total Returns, 10 Years [Percent] 10.93%
Market Wealth Plus | Fidelity® VIP Equity-Income Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Equity-Income PortfolioSM—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.46%
Average Annual Total Returns, 1 Year [Percent] 19.02%
Average Annual Total Returns, 5 Years [Percent] 12.51%
Average Annual Total Returns, 10 Years [Percent] 11.60%
Market Wealth Plus | Fidelity® VIP Extended Market Index Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Extended Market Index Portfolio—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Geode Capital Management, LLC (“Geode”)
Current Expenses [Percent] 0.12%
Average Annual Total Returns, 1 Year [Percent] 12.32%
Average Annual Total Returns, 5 Years [Percent] 8.02%
Market Wealth Plus | Fidelity® VIP Freedom 2020 Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Freedom 2020 PortfolioSM—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FMR
Current Expenses [Percent] 0.44%
Average Annual Total Returns, 1 Year [Percent] 13.33%
Average Annual Total Returns, 5 Years [Percent] 4.84%
Average Annual Total Returns, 10 Years [Percent] 7.38%
Market Wealth Plus | Fidelity® VIP Freedom 2030 Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Freedom 2030 PortfolioSM—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FMR
Current Expenses [Percent] 0.49%
Average Annual Total Returns, 1 Year [Percent] 15.52%
Average Annual Total Returns, 5 Years [Percent] 6.25%
Average Annual Total Returns, 10 Years [Percent] 8.88%
Market Wealth Plus | Fidelity® VIP Freedom 2040 Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Freedom 2040 PortfolioSM—Initial Class
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FMR
Current Expenses [Percent] 0.57%
Average Annual Total Returns, 1 Year [Percent] 18.79%
Average Annual Total Returns, 5 Years [Percent] 9.01%
Average Annual Total Returns, 10 Years [Percent] 10.87%
Market Wealth Plus | Fidelity® VIP Growth Opportunities Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Growth Opportunities Portfolio—Initial Class
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.56%
Average Annual Total Returns, 1 Year [Percent] 22.02%
Average Annual Total Returns, 5 Years [Percent] 11.31%
Average Annual Total Returns, 10 Years [Percent] 19.94%
Market Wealth Plus | Fidelity® VIP Health Care Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Health Care Portfolio—Initial Class
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.59%
Average Annual Total Returns, 1 Year [Percent] 14.39%
Average Annual Total Returns, 5 Years [Percent] 4.18%
Average Annual Total Returns, 10 Years [Percent] 8.75%
Market Wealth Plus | Fidelity® VIP International Capital Appreciation Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP International Capital Appreciation Portfolio—Initial Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] FIL Investment Advisors
Current Expenses [Percent] 0.78%
Average Annual Total Returns, 1 Year [Percent] 18.69%
Average Annual Total Returns, 5 Years [Percent] 6.26%
Average Annual Total Returns, 10 Years [Percent] 9.81%
Market Wealth Plus | Fidelity® VIP International Index Portfolio - Intial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP International Index Portfolio—Initial Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Geode
Current Expenses [Percent] 0.16%
Average Annual Total Returns, 1 Year [Percent] 33.15%
Average Annual Total Returns, 5 Years [Percent] 8.02%
Market Wealth Plus | Fidelity® VIP Investment Grade Bond Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Investment Grade Bond Portfolio—Initial Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.37%
Average Annual Total Returns, 1 Year [Percent] 7.22%
Average Annual Total Returns, 5 Years [Percent] 0.06%
Average Annual Total Returns, 10 Years [Percent] 2.71%
Market Wealth Plus | Fidelity® VIP Mid Cap Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Fidelity® VIP Mid Cap Portfolio—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] FMR
Portfolio Company Subadviser [Text Block] Other investment advisers
Current Expenses [Percent] 0.55%
Average Annual Total Returns, 1 Year [Percent] 11.75%
Average Annual Total Returns, 5 Years [Percent] 10.10%
Average Annual Total Returns, 10 Years [Percent] 10.59%
Market Wealth Plus | Franklin Gold and Precious Metals VIP Fund - Class 1  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Gold and Precious Metals VIP Fund—Class 1
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] Franklin Advisers, Inc. (“Franklin”)
Current Expenses [Percent] 0.70%
Market Wealth Plus | Franklin Templeton Aggressive Model Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Templeton Aggressive Model Portfolio—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] Franklin Templeton Fund Adviser, LLC (“FTFA”)
Portfolio Company Subadviser [Text Block] Franklin
Current Expenses [Percent] 0.63%
Average Annual Total Returns, 1 Year [Percent] 17.30%
Average Annual Total Returns, 5 Years [Percent] 10.41%
Market Wealth Plus | Franklin Templeton Conservative Model Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Templeton Conservative Model Portfolio—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FTFA
Portfolio Company Subadviser [Text Block] Franklin
Current Expenses [Percent] 0.60%
Average Annual Total Returns, 1 Year [Percent] 9.39%
Average Annual Total Returns, 5 Years [Percent] 2.92%
Market Wealth Plus | Franklin Templeton Moderate Model Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Templeton Moderate Model Portfolio—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FTFA
Portfolio Company Subadviser [Text Block] Franklin
Current Expenses [Percent] 0.57%
Average Annual Total Returns, 1 Year [Percent] 13.56%
Average Annual Total Returns, 5 Years [Percent] 6.76%
Market Wealth Plus | Franklin Templeton Moderately Aggressive Model Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Templeton Moderately Aggressive Model Portfolio—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FTFA
Portfolio Company Subadviser [Text Block] Franklin
Current Expenses [Percent] 0.57%
Average Annual Total Returns, 1 Year [Percent] 15.29%
Average Annual Total Returns, 5 Years [Percent] 8.12%
Market Wealth Plus | Franklin Templeton Moderately Conservative Model Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Franklin Templeton Moderately Conservative Model Portfolio—Class I
Portfolio Company Objective [Text Block] Asset Allocation
Portfolio Company Adviser [Text Block] FTFA
Portfolio Company Subadviser [Text Block] Franklin
Current Expenses [Percent] 0.57%
Average Annual Total Returns, 1 Year [Percent] 11.76%
Average Annual Total Returns, 5 Years [Percent] 5.17%
Market Wealth Plus | Goldman Sachs VIT International Equity Insights Fund - Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Goldman Sachs VIT International Equity Insights Fund—Institutional Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] Goldman Sachs Asset Management, L.P.
Current Expenses [Percent] 0.80%
Average Annual Total Returns, 1 Year [Percent] 6.12%
Average Annual Total Returns, 5 Years [Percent] 5.46%
Average Annual Total Returns, 10 Years [Percent] 4.88%
Market Wealth Plus | Invesco V.I. EQV International Equity Fund - Series I Shares  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Invesco V.I. EQV International Equity Fund—Series I Shares
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] Invesco Advisers, Inc. (“Invesco”)
Current Expenses [Percent] 0.90%
Average Annual Total Returns, 1 Year [Percent] 16.50%
Average Annual Total Returns, 5 Years [Percent] 3.68%
Average Annual Total Returns, 10 Years [Percent] 6.22%
Market Wealth Plus | Invesco V.I. Main Street Small Cap Fund® - Series I Shares  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Invesco V.I. Main Street Small Cap Fund®—Series I Shares
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] Invesco
Current Expenses [Percent] 0.84%
Average Annual Total Returns, 1 Year [Percent] 8.70%
Average Annual Total Returns, 5 Years [Percent] 8.34%
Average Annual Total Returns, 10 Years [Percent] 10.59%
Market Wealth Plus | Janus Henderson Enterprise Portfolio - Institutional Shares  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Janus Henderson Enterprise Portfolio—Institutional Shares
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] Janus
Current Expenses [Percent] 0.72%
Average Annual Total Returns, 1 Year [Percent] 7.67%
Average Annual Total Returns, 5 Years [Percent] 7.62%
Average Annual Total Returns, 10 Years [Percent] 12.79%
Market Wealth Plus | Janus Henderson Global Research Portfolio - Institutional Shares  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Janus Henderson Global Research Portfolio—Institutional Shares
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] Janus
Current Expenses [Percent] 0.82%
Average Annual Total Returns, 1 Year [Percent] 20.92%
Average Annual Total Returns, 5 Years [Percent] 12.51%
Average Annual Total Returns, 10 Years [Percent] 12.93%
Market Wealth Plus | Lord Abbett Series Fund Inc. - Short Duration Income Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Lord Abbett Series Fund, Inc.—Short Duration Income Portfolio—Class I
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] Lord, Abbett & Co. LLC
Current Expenses [Percent] 0.47%
Market Wealth Plus | LVIP ClearBridge Appreciation Fund Portfolio - Standard Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] LVIP ClearBridge Appreciation Fund—Standard Class (formerly ClearBridge Variable Appreciation Portfolio—Class I)
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] Lincoln Financial Investments Corporation (“LFIC”)
Portfolio Company Subadviser [Text Block] ClearBridge Investments, LLC
Current Expenses [Percent] 0.70%
Average Annual Total Returns, 1 Year [Percent] 14.50%
Average Annual Total Returns, 5 Years [Percent] 12.72%
Average Annual Total Returns, 10 Years [Percent] 13.34%
Market Wealth Plus | LVIP SSgA Mid-Cap Index Fund - Standard Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] LVIP SSgA Mid-Cap Index Fund—Standard Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] LFIC
Portfolio Company Subadviser [Text Block] SSgA Funds Management, Inc.
Current Expenses [Percent] 0.35%
Average Annual Total Returns, 1 Year [Percent] 13.55%
Average Annual Total Returns, 5 Years [Percent] 9.94%
Average Annual Total Returns, 10 Years [Percent] 9.31%
Market Wealth Plus | MFS® International Intrinsic Equity Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] MFS® International Intrinsic Equity Portfolio (formerly MFS® International Intrinsic Value Portfolio)—Initial Class
Portfolio Company Objective [Text Block] International Equity
Portfolio Company Adviser [Text Block] MFS
Current Expenses [Percent] 0.89%
Average Annual Total Returns, 1 Year [Percent] 33.26%
Average Annual Total Returns, 5 Years [Percent] 7.28%
Average Annual Total Returns, 10 Years [Percent] 9.95%
Market Wealth Plus | MFS® Mid Cap Value Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] MFS® Mid Cap Value Portfolio—Initial Class
Portfolio Company Objective [Text Block] Mid Cap Equity
Portfolio Company Adviser [Text Block] MFS
Current Expenses [Percent] 0.79%
Average Annual Total Returns, 1 Year [Percent] 5.98%
Average Annual Total Returns, 5 Years [Percent] 10.18%
Average Annual Total Returns, 10 Years [Percent] 9.95%
Market Wealth Plus | MFS® New Discovery Series - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] MFS® New Discovery Series—Initial Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] MFS
Current Expenses [Percent] 0.87%
Average Annual Total Returns, 1 Year [Percent] 12.96%
Average Annual Total Returns, 5 Years [Percent] (0.28%)
Average Annual Total Returns, 10 Years [Percent] 10.74%
Market Wealth Plus | MFS® Research International Portfolio - Initial Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] MFS® Research International Portfolio—Initial Class
Portfolio Company Objective [Text Block] Foreign Large Blend
Portfolio Company Adviser [Text Block] MFS
Current Expenses [Percent] 0.90%
Average Annual Total Returns, 1 Year [Percent] 22.05%
Average Annual Total Returns, 5 Years [Percent] 5.51%
Average Annual Total Returns, 10 Years [Percent] 7.54%
Market Wealth Plus | Neuberger Berman AMT Mid Cap Growth Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Neuberger Berman AMT Mid Cap Growth Portfolio—Class I
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] Neuberger Berman Investment Advisers LLC
Current Expenses [Percent] 0.86%
Average Annual Total Returns, 1 Year [Percent] 5.45%
Average Annual Total Returns, 5 Years [Percent] 4.47%
Average Annual Total Returns, 10 Years [Percent] 10.96%
Market Wealth Plus | Nomura VIP Emerging Markets Series - Standard Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Nomura VIP Emerging Markets Series (formerly Macquarie VIP Emerging Markets Series)—Standard Class
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] Delaware Management Company, a series of Nomura Investment Management Business Trust
Current Expenses [Percent] 1.16%
Average Annual Total Returns, 1 Year [Percent] 81.26%
Average Annual Total Returns, 5 Years [Percent] 8.81%
Average Annual Total Returns, 10 Years [Percent] 12.17%
Market Wealth Plus | Nomura VIP Small Cap Value Series - Standard Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Nomura VIP Small Cap Value Series (formerly Macquarie VIP Small Cap Value Series)—Standard Class
Portfolio Company Objective [Text Block] Small/Mid Cap Equity
Portfolio Company Adviser [Text Block] Delaware Management Company, a series of Nomura Investment Management Business Trust
Current Expenses [Percent] 0.74%
Average Annual Total Returns, 1 Year [Percent] 8.16%
Average Annual Total Returns, 5 Years [Percent] 9.26%
Average Annual Total Returns, 10 Years [Percent] 9.15%
Market Wealth Plus | PIMCO VIT Income Portfolio - Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] PIMCO VIT Income Portfolio—Institutional Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] PIMCO
Current Expenses [Percent] 0.77%
Average Annual Total Returns, 1 Year [Percent] 10.36%
Average Annual Total Returns, 5 Years [Percent] 3.57%
Market Wealth Plus | PIMCO VIT International Bond Portfolio (US Dollar Hedged) - Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged)—Institutional Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] PIMCO
Current Expenses [Percent] 0.94%
Average Annual Total Returns, 1 Year [Percent] 4.10%
Average Annual Total Returns, 5 Years [Percent] 1.18%
Average Annual Total Returns, 10 Years [Percent] 3.04%
Market Wealth Plus | PIMCO VIT Low Duration Portfolio - Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] PIMCO VIT Low Duration Portfolio—Institutional Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] PIMCO
Current Expenses [Percent] 0.51%
Average Annual Total Returns, 1 Year [Percent] 5.68%
Average Annual Total Returns, 5 Years [Percent] 1.72%
Average Annual Total Returns, 10 Years [Percent] 1.94%
Market Wealth Plus | PIMCO VIT Short-Term Portfolio-Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] PIMCO VIT Short-Term Portfolio—Institutional Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] PIMCO
Current Expenses [Percent] 0.50%
Average Annual Total Returns, 1 Year [Percent] 4.83%
Average Annual Total Returns, 5 Years [Percent] 3.40%
Average Annual Total Returns, 10 Years [Percent] 2.91%
Market Wealth Plus | PIMCO VIT Total Return Portfolio - Institutional Class  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] PIMCO VIT Total Return Portfolio—Institutional Class
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] PIMCO
Current Expenses [Percent] 0.58%
Average Annual Total Returns, 1 Year [Percent] 9.05%
Average Annual Total Returns, 5 Years [Percent] 0.16%
Average Annual Total Returns, 10 Years [Percent] 2.51%
Market Wealth Plus | Principal VC Real Estate Securities Account-Class 1  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Principal VC Real Estate Securities Account—Class 1
Portfolio Company Objective [Text Block] Sector
Portfolio Company Adviser [Text Block] Principal Global Investors, LLC
Portfolio Company Subadviser [Text Block] Principal Real Estate Investors, LLC
Current Expenses [Percent] 0.78%
Average Annual Total Returns, 1 Year [Percent] 1.24%
Average Annual Total Returns, 5 Years [Percent] 4.88%
Average Annual Total Returns, 10 Years [Percent] 5.94%
Market Wealth Plus | Putnam VT International Value Fund - Class IA  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Putnam VT International Value Fund—Class IA
Portfolio Company Objective [Text Block] International/Global Equity
Portfolio Company Adviser [Text Block] Putnam Investment Management, LLC
Portfolio Company Subadviser [Text Block] Franklin, Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC
Current Expenses [Percent] 0.81%
Average Annual Total Returns, 1 Year [Percent] 35.07%
Average Annual Total Returns, 5 Years [Percent] 12.77%
Average Annual Total Returns, 10 Years [Percent] 9.13%
Market Wealth Plus | Voya Growth and Income Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Voya Growth and Income Portfolio—Class I
Portfolio Company Objective [Text Block] Large Cap Equity
Portfolio Company Adviser [Text Block] Voya Investments, LLC
Portfolio Company Subadviser [Text Block] Voya Investment Management Co. LLC (“Voya”)
Current Expenses [Percent] 0.67%
Average Annual Total Returns, 1 Year [Percent] 18.21%
Average Annual Total Returns, 5 Years [Percent] 15.46%
Average Annual Total Returns, 10 Years [Percent] 14.62%
Market Wealth Plus | Voya Intermediate Bond Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Voya Intermediate Bond Portfolio — Class I
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] Voya
Current Expenses [Percent] 0.55%
Average Annual Total Returns, 1 Year [Percent] 7.71%
Average Annual Total Returns, 5 Years [Percent] 0.15%
Average Annual Total Returns, 10 Years [Percent] 2.66%
Market Wealth Plus | Western Asset Core Plus VIT Portfolio - Class I  
Item 2. Key Information [Line Items]  
Portfolio Company Name [Text Block] Western Asset Core Plus VIT Portfolio—Class I**
Portfolio Company Objective [Text Block] Investment Grade Bond
Portfolio Company Adviser [Text Block] FTFA
Portfolio Company Subadviser [Text Block] Western Asset Management Company, LLC; Western Asset Management Company Limited; Western Asset Management Company Ltd.; and Western Asset Management Company Pte. Ltd.
Current Expenses [Percent] 0.54%
Average Annual Total Returns, 1 Year [Percent] 7.75%
Average Annual Total Returns, 5 Years [Percent] (1.44%)
Average Annual Total Returns, 10 Years [Percent] 2.11%
Market Wealth Plus | Dollar Cost Averaging  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Dollar-Cost Averaging
Purpose of Benefit [Text Block] Dollar-Cost Averaging is a systematic method of investing that allows you to purchase shares of the Investment Divisions at regular intervals in fixed dollar amounts so that the cost of your shares is averaged over time.
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Dollar-Cost Averaging does not assure growth or protect against a loss in declining markets.•You may not make Dollar-Cost Averaging transfers from the Fixed Account, but you can make Dollar-Cost Averaging transfers into the Fixed Account.•Your cash value must be $2,500 or more to elect Dollar-Cost Averaging and it will be automatically suspended if the Cash Value is less than $2,000 on a transfer date.•You may not elect Dollar-Cost Averaging if you have chosen Automatic Asset Rebalancing.•This option is not available with the Dollar-Cost Averaging Plus Account or Dollar-Cost Averaging Extension Account.
Name of Benefit [Text Block] Dollar-Cost Averaging
Operation of Benefit [Text Block] ●Dollar-Cost AveragingDollar-Cost Averaging is a systematic method of investing which allows you to purchase shares of the Investment Division(s) at regular intervals in fixed dollar amounts so that the cost of your shares is averaged over time. The main objective of Dollar-Cost Averaging is to achieve an average cost per share that is lower than the average price per share in a fluctuating market. Because you transfer the same dollar amount to a given Investment Division with each transfer, you purchase more units in an Investment Division if the value per unit is low, and fewer units if the value per unit is high. Therefore, you may achieve a lower than average cost per unit if prices fluctuate over the long term. Similarly, for each transfer out of an Investment Division, you sell more units in an Investment Division if the value is low and fewer units if the value per unit is high. Dollar-Cost Averaging does not assure growth or protect against a loss in declining markets. Because it involves continuous investing regardless of price levels, you should consider your financial ability to continue investing during periods of low price levels. You may not make Dollar-Cost Averaging transfers from the Fixed Account, but you can make Dollar-Cost Averaging transfers into the Fixed Account. In addition, you cannot make transfers into the DCA Accounts. Transfers out of the DCA Plus Account are subject to the DCA Plus Program and transfers out of the DCA Extension Account are subject to the DCA Extension Program (see below). You can elect this option if your Cash Value is $2,500 or more. We will suspend this option automatically if the Cash Value is less than $2,000 on a transfer date. Once the Cash Value equals or exceeds $2,000, the Dollar-Cost Averaging transfers will resume automatically as last requested. To set up Dollar-Cost Averaging, you may contact us by phone on our toll-free number (1-800-598-2019) or send a completed Dollar-Cost Averaging form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus or by any other method we make available. We will make Dollar-Cost Averaging transfers on the date you specify, or if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month other than the 29th, 30th, or 31st of a month. NYLIAC must receive your Request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your Request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request in Good Order. You may cancel the Dollar-Cost Averaging option at any time. To cancel the Dollar-Cost Averaging option, you may call us toll-free at 1-800-598-2019, or send a Request (or by any other method we make available). You may not elect Dollar-Cost Averaging if you have chosen Automatic Asset Rebalancing . However, you have the option of alternating between Dollar-Cost Averaging and Automatic Asset Rebalancing. Dollar-Cost Averaging is not available when the DCA Plus Program or DCA Extension Program is in place.
Market Wealth Plus | Dollar Cost Averaging Plus Account  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Dollar-Cost Averaging Plus Account
Purpose of Benefit [Text Block] The DCA Plus Program allows you to make regular periodic allocations from the DCA Plus Account into the Investment Divisions and/or Fixed Account over the twelve-month period following the Initial Premium Transfer Date. The DCA Plus Account will credit interest to the amount in the account at
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Use of the DCA Plus Account does not assure growth or protect against loss in declining markets.•The DCA Plus Account must be elected at the time your policy is issued.•Because the entire initial Premium is not in the DCA Plus Account for the full year, the annual effective a rate, which we declare periodically, in advance, and at our sole discretion, but the rate will never be less than the GMIR.rate will not be achieved.•The entire initial Net Premium, which must be a minimum of $1,000, must be allocated to the DCA Plus Account.•You cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Plus Account is closed.•The DCA Plus Account will close automatically 12 months following the Initial Premium Transfer Date, or such time that the balance in the DCA Plus Account on a DCA Plus Transfer Date falls below $100, whichever is sooner.•You cannot make transfers into the DCA Plus Account.
Name of Benefit [Text Block] Dollar-Cost Averaging Plus Account
Operation of Benefit [Text Block] ●Dollar-Cost Averaging Plus AccountThe DCA Plus Program allows you to make regular periodic allocations from the DCA Plus Account into the Investment Divisions and/or Fixed Account over the twelve-month period following the Initial Premium Transfer Date. The DCA Plus Account must be elected at the time your policy is issued. It involves the automatic transfer of a specified amount from the DCA Plus Account into the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. Subsequent premium payments received during the DCA Plus Transfer Period will be allocated similarly unless you direct us otherwise. The DCA Plus Account will credit interest at a rate, which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Plus Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Accounts, the Fixed Account, and to the Loan Account. Net Premium payments to the DCA Plus Account will receive the applicable interest rate in effect on the Business Day we receive that premium payment. Interest rates for subsequent premium payments into the DCA Plus Account may be different from the rate applied to prior premium payments made into the DCA Plus Account. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Plus Account only earn the DCA Plus Account interest rate while they are in the DCA Plus Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire Initial Premium is not in the DCA Plus Account for the full year, the annual effective rate will not be achieved. If you elect to participate in this program, the entire initial Net Premium, which must be a minimum of $1,000, must be allocated to the DCA Plus Account. Subsequent premiums received within 12 months following the Initial Premium Transfer Date will also be allocated to the DCA Plus Account unless you direct us otherwise. If you participate in the DCA Plus Account program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Plus Account is closed. The DCA Plus Account will close automatically 12 months following the Initial Premium Transfer Date, or such time that the balance in the DCA Plus Account on a DCA Plus Transfer Date falls below $100, whichever is sooner. Amounts in the DCA Plus Account will be transferred to the Investment Divisions and/or Fixed Account on the monthly anniversary following the Initial Premium Transfer Date. The amount of each transfer will be calculated at the time of the transfer based on the number of remaining monthly transfers and the remaining value in the DCA Plus Account as of the date of the transfer. Transfers from the DCA Plus Account occur automatically and are based on the following formula: 
Monthly Anniversary of the
Initial Premium Transfer Date
Amount Transferred from the DCA Plus Account
(as a percentage of the DCA Plus Account Value
as of the applicable Month)
1
8.33%
2
9.09%
3
10.00%
4
11.11%
5
12.50%
6
14.29%
7
16.67%
8
20.00%
9
25.00%
10
33.33%
11
50.00%
12
100.00%
 The entire value of the DCA Plus Account will be completely transferred to the Investment Divisions and/or Fixed Account within 12 months of the Initial Premium Transfer Date. For example, if you allocate an Initial Premium payment to the DCA Plus Account under which the 12-month term will end on December 31, 2026 and we receive a subsequent premium payment for the DCA Plus Account before December 31, 2026, we will allocate the subsequent premium payment to the same DCA Plus Account and transfer the entire value of the DCA Plus Account to the Investment Divisions and/or Fixed Account by December 31, 2026 based on the schedule shown above, even though a portion of the money was not in the DCA Plus Account for the entire 12-month period. You cannot make transfers into the DCA Plus Account. Use of the DCA Plus Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Plus Account. You can cancel the DCA Plus Account at any time. To cancel the DCA Plus Account, you must send a Request. Upon receiving your cancellation Request we will transfer the entire DCA Plus Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. DCA Plus may not be available in all jurisdictions.
Market Wealth Plus | Dollar Cost Averaging Extension Account  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Dollar-Cost Averaging Extension Account
Purpose of Benefit [Text Block] After the completion of the DCA Plus Program, the DCA Extension Program allows you to make regular periodic allocations from the DCA Extension Account to the Investment Divisions and/or Fixed Account when a single premium payment of at least $10,000 is made. The DCA Extension Account will credit interest to the amount in the account at a rate, which we declare periodically, in advance, and at our sole discretion, but the rate will never be less than the GMIR.
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Use of the DCA Extension Program does not assure growth or protect against loss in declining markets.•Only available after the completion of the DCA Plus Program and in the first 7 Policy Years.•Because the entire initial Premium is not in the DCA Extension Account for the full year, the annual effective rate will not be achieved.•You cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Extension Account is closed.•The cash value in the DCA Extension Account must be at least $100 for the program to continue.•You cannot make transfers into this account.
Name of Benefit [Text Block] Dollar-Cost Averaging Extension Account
Operation of Benefit [Text Block] ●Dollar-Cost Averaging Extension AccountThe DCA Extension Program is another optional feature that allows you to make regular periodic allocations from the DCA Extension Account to the Investment Divisions and/or Fixed Account. This program, however, is only available after issue and completion of the DCA Plus Program (if applicable), and only for the first 7 Policy Years (the “DCA Extension Availability Period”). If you select this feature, any single premium payment that we receive during the DCA Extension Availability Period that is a minimum of $10,000 (the “DCA Extension Eligible Premium”) will be applied to the DCA Extension Account. Beginning on the monthly anniversary of the date we receive a DCA Extension Eligible Premium, and continuing for a period of 12 months after we receive that premium, NYLIAC will make periodic transfers on your behalf from the DCA Extension Account into the Investment Divisions and/or Fixed Account in accordance with your premium allocation instructions. The DCA Extension Account will credit interest at a rate which we declare periodically, in advance, and at our sole discretion. The rate may fluctuate throughout the DCA Extension Transfer Period, but it will never be less than the GMIR. We may credit different interest rates to the DCA Extension Account, the Fixed Account, and the Loan Account. Net Premium payments to the DCA Accounts will receive the applicable interest rate in effect on the Business Day we receive that DCA Extension Eligible Premium payment. Interest rates for subsequent DCA Extension Eligible Premium payments may be different from the rate applied to prior DCA Extension Eligible Premium payments. Interest accrues and is credited daily. Contact your registered representative for the current rate. Amounts in the DCA Extension Account only earn the DCA Accounts interest rate while they are in the DCA Extension Account waiting to be transferred to the Investment Divisions and/or Fixed Account. Because the entire DCA Extension Eligible Premium is not in the DCA Extension Account for the full year, the annual effective rate will not be achieved. If you elect to participate in this program, you cannot use traditional Dollar-Cost Averaging or Interest Sweep until such time that the DCA Extension Account is closed. For DCA Extension to continue as scheduled, the Cash Value in the DCA Extension Account must be at least $100. If the Cash Value falls below this minimum on a DCA Extension transfer date during the 12 month DCA Extension Transfer Period, the DCA Extension Account will close and any remaining balance will be transferred in accordance with your DCA Extension allocation instructions. You may make a maximum of 12 DCA Extension Eligible Premium payments in a given calendar year. Each DCA Extension Eligible Premium received by us during DCA Extension Availability Period will have its own 12 month transfer schedule, based on the following formula: 
The Monthly Anniversary
after each DCA Extension
Eligible Premium is received
Amount Transferred from
the DCA Extension Account
per Eligible Premium Payment
(as a percentage of the DCA
Extension Account Value)
1
8.33%
2
9.09%
3
10.00%
4
11.11%
5
12.50%
6
14.29%
7
16.67%
8
20.00%
9
25.00%
10
33.33%
11
50.00%
12
100.00%
Use of the DCA Extension Account does not assure growth or protect against loss in declining markets. Assets in our General Account support the DCA Extension Account. You can cancel the DCA Extension Account at any time. To cancel the DCA Extension Account, you must send a written cancellation Request or call us toll-free at 1-800-598-2019. Upon receiving your cancellation request we will transfer the entire DCA Extension Account balance to the Investment Divisions and/or Fixed Account according to the allocation instructions provided by you. The DCA Extension Program may not be available in all jurisdictions. The DCA Extension Program is not available while the DCA Plus Program is in effect.
Market Wealth Plus | Automatic Asset Rebalancing  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Automatic Asset Rebalancing
Purpose of Benefit [Text Block] Automatically rebalances the amount you have in the Separate Account on a
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Your Separate Account Value must be at least $2,500 to elect this option. schedule you select among the Investment Divisions to maintain a predetermined percentage invested in the Investment Division(s) you have selected.We will suspend this option automatically if the Separate Account Value is less than $2,000 on a rebalancing date.•You may not elect Automatic Asset Rebalancing if you have chosen Dollar-Cost Averaging or any of the Dollar-Cost Averaging Accounts.
Name of Benefit [Text Block] Automatic Asset Rebalancing
Operation of Benefit [Text Block] ●Automatic Asset Rebalancing (AAR) If you choose this option, we will rebalance your assets automatically on a schedule you select among the Investment Divisions to maintain a predetermined percentage invested in the Investment Division(s) you have selected. For example, you could specify that 50% of the amount you have in the Investment Divisions of the Separate Account be allocated to one Investment Division, while the other 50% be allocated to another Investment Division. Over time, however, performance variations in each of these Investment Divisions would cause this balance to shift. With the Automatic Asset Rebalancing (AAR) option, we will rebalance the amount you have in the Separate Account among the Investment Divisions you have selected so that they are invested in the percentages you specify. Values in the Fixed Investment Options are excluded from AAR.  We will make AAR transfers either quarterly, semi-annually or annually (but not monthly), based on your Policy Anniversary Date. If your Policy Anniversary Date is on the 29th, 30th or 31st of a month, the rebalancing transfer will occur on the 28th of the month. Your AAR will be cancelled if a premium allocation change or fund transfer is submitted on your behalf and the AAR is not also modified at the time to be consistent with your fund transfer and premium allocation changes. To process AAR transfers, or to modify an existing AAR, you may call us toll-free at 1-800-598-2019, or send a completed AAR form in Good Order to the VPSC at one of the addresses listed on the first page of the prospectus (or by any other method we make available). NYLIAC must receive the request in writing no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. You can elect this option if your Separate Account Value is $2,500 or more. We will suspend this option automatically if the Separate Account Value is less than $2,000 on a rebalancing date. Once the Separate Account Value equals or exceeds this amount, AAR will resume automatically as scheduled. There is no minimum amount that you must allocate among Investment Divisions for this option. You can cancel or modify the AAR option at any time. To cancel the AAR option, you may call us at 1-800-598-2019 or send a cancellation Request. You cannot elect AAR if you have chosen Dollar-Cost Averaging. However, you have the option of alternating between the two options. AAR is available when the DCA Plus and DCA Extension Programs are in place but funds in the DCA Accounts are not eligible for AAR.
Market Wealth Plus | Interest Sweep  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Interest Sweep
Purpose of Benefit [Text Block] Automatically transfers interest earned on the Fixed Account to one or any combination of Investment Divisions.
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •The value in the Fixed Account must be at least $2,500 to elect this option and it will be automatically suspended if the amount in the Fixed Account falls below $2,000.•You cannot use this option if you have instructed us to pay any part of your policy charges from the Fixed Account.•If you want to use this option and allocate your charges, your charges must be allocated to the NYLIM VP U.S. Government Money Market Investment Division.•An Interest Sweep transfer cannot cause more than the greater of (i) $5,000 or (ii) 20% of the amount you have in the Fixed Account at the beginning of the Policy Year to be transferred from the Fixed Account.•This option is not available with the Dollar-Cost Averaging Plus Account or Dollar-Cost Averaging Extension Account.
Name of Benefit [Text Block] Interest Sweep
Operation of Benefit [Text Block] ●Interest SweepYou can instruct us to periodically transfer the interest credited to the Fixed Account to the Investment Division(s) you specify. You can elect this option as long as the amount in the Fixed Account is at least $2,500. We will make all Interest Sweep transfers on the date you specify or, if the date you specify is not a Business Day, on the next Business Day. You can specify any day of the month to make these automatic transfers, other than the 29th, 30th, or 31st of the month. We will not process an Interest Sweep transfer unless you contact us on our toll-free number (1-800-598-2019) or send a Request. NYLIAC must receive the request no later than five (5) Business Days prior to the date the transfer(s) are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request it to begin, the transfer(s) will begin on the date you have specified in the month following receipt of your request. You cannot choose the Interest Sweep option if you have instructed us to pay any part of your policy charges from the Fixed Account. If you want to elect the Interest Sweep option and you want to allocate your charges, you must allocate your charges to the NYLIM VP U.S. Government Money Market Investment Division. You can request Interest Sweep in addition to either the Dollar-Cost Averaging or Automatic Asset Rebalancing option. If an Interest Sweep transfer is scheduled for the same day as a Dollar-Cost Averaging or Automatic Asset Rebalancing transfer, we will process the Interest Sweep transfer first. If an Interest Sweep transfer would cause more than the greater of (i) $5,000 or (ii) 20% of the amount you have in the Fixed Account at the beginning of the Policy Year to be transferred from the Fixed Account, we will not process the transfer and we will suspend the Interest Sweep option. If the amount you have in the Fixed Account is less than $2,000, we will automatically suspend this option. Once the amount you have in the Fixed Account equals or exceeds $2,000, the Interest Sweep option will resume automatically as scheduled. You can cancel the Interest Sweep option at any time. To cancel the Interest Sweep option, you may contact us at our toll-free number (1-800-598-2019) or send a cancellation Request. Interest Sweep is not available when the DCA Plus or DCA Extension Program is in place.
Market Wealth Plus | Expense Allocation Option  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Expense Allocation Option
Purpose of Benefit [Text Block] You can choose how to allocate certain Monthly Deduction Changes from your Cash Value.
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Expense Allocation is only available from the Fixed Account or the NYLIM VP U.S. Government Money Market Investment Division.
Name of Benefit [Text Block] Expense Allocation Option
Operation of Benefit [Text Block] ●Expense Allocation OptionAt any time, you can choose how to allocate certain Monthly Deduction Charges from your Cash Value. (See “Charges Associated with the Policy—Deductions from Cash Value” for details.) Expense Allocation is only available from the Fixed Account or the NYLIM VP U.S. Government Money Market Investment Division.
Market Wealth Plus | Premium Deposit Account PDA  
Item 2. Key Information [Line Items]  
Other Transaction Fee, Description [Text Block] Premium Deposit Account Withdrawal Fee
Other Transaction Fee, When Deducted [Text Block] At time of withdrawal from the Premium Deposit Account
Other Transaction Fee (of Other Amount), Maximum [Percent] 10.00%
Name of Benefit [Text Block] Premium Deposit
Purpose of Benefit [Text Block] Allows you to fund up to 14
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Subject to jurisdictional Account (“PDA”)annual Planned Premiums or 179 monthly Planned Premiums through a lump sum deposit into an interest-bearing PDA. The amount in the PDA earns interest at a rate effective on the date the PDA is opened and that will not change for the duration of the PDA.requirements, the PDA may be available to you through an agreement and/or rider. See “State Variations and Rider Availability” for more information.•The amount you may fund into the PDA may be limited by the terms of the PDA Agreement and/or Rider.•You may only make one lump sum deposit into the PDA.•Use of the PDA does not guarantee that the policy will not lapse.•There may be limits on withdrawals from the PDA and a withdrawal fee may apply.•Planned Premium mode must be monthly or annual and cannot be changed during the duration of the PDA.•The Initial Premium must be paid outside of the PDA.•The PDA can only be elected within 45 days after the Initial Premium is paid into the policy.
Name of Benefit [Text Block] Premium Deposit
Operation of Benefit [Text Block] Premium Deposit Account (“PDA”) A Premium Deposit Account (“PDA”) is an optional feature you can use to fund planned premiums into your policy. You may fund from 1 to 14 years of annual planned premiums or 11 to 179 monthly planned premiums through the PDA. You may elect this option by entering into a PDA Agreement with NYLIAC and/or through the election of a PDA Rider, subject to jurisdictional requirements. See “State Variations and Rider Availability” for information on how the PDA is available and other state specific variations. Under the PDA Agreement, after paying your Initial Premium Payment directly into the policy, you can make a lump sum deposit into an interest-bearing PDA. The deposit and interest earned on the amount in the PDA will be used to automatically pay subsequent planned premiums into your policy, either on a monthly or annual basis. Once the annual or monthly mode is selected it cannot be changed for the term of the PDA. Interest will be credited daily on the funds remaining in the PDA at an annual rate(s)-effective on the date of the PDA and will not change for the term of the PDA. If you lower your planned premiums, we will pay the new lowered planned premiums from the PDA and return the difference remaining in the PDA to you (subject to any applicable withdrawal fee). There may be tax withholding amounts that may also reduce the amount remaining the PDA. If you increase your planned premiums, we will pay the new increased planned premium from the PDA and we will notify you of any shortfall. Upon election of the PDA, you will receive a notice with the planned premium schedule and the interest rate applicable to your PDA. Withdrawals are permitted from the PDA and may be subject to a withdrawal fee. The withdrawal fee may change but will never exceed 10% of the withdrawal. Generally, there are two types of withdrawals permitted from the PDA (see “State Variations and Rider Availability” for state specific variations): ●One-Time Withdrawal - During the first 3 Policy Years after you make the deposit to the PDA, you may make a one-time withdrawal that is equal to the lesser of: (a) 10% of the amount in the PDA; or (b) $25,000. We must receive a signed notice from you electing to make this one-time withdrawal no later than 31 days before the policy’s third policy anniversary. A withdrawal fee will not be deducted from a One-Time Withdrawal. ●A Full Cash Withdrawal - In most jurisdictions, a full cash withdrawal of the remaining PDA balance is permitted at any time and is generally subject to a withdrawal fee that will never exceed 10%. However, a full cash withdrawal will not incur a withdrawal fee in the following cases: ●The policy is canceled in accordance with the Free Look provision. ●The date the policy ends due to death of the Insured. ●When benefits are paid under the Living Benefits Rider. The PDA Agreement and/or Rider will end, and we will pay you the entire amount in the PDA, if any, on the earliest of the following to occur: the date the policy ends, the date of a full cash withdrawal of the PDA (less any applicable withdrawal fee) or when there are no funds remaining in the PDA. After the PDA ends, any additional premium payments must be made by another method for paying premiums discussed in this prospectus. The deposit into the PDA is not a premium payment and the PDA has no cash value or loan value under the policy. The PDA is not registered under the 1933 Act or as an investment company under the 1940 Act and is part of our General Account. As such, amounts allocated to the PDA do not have the benefits and protections of these statutes and are subject to our financial strength and claims paying ability and the claims of our general creditors. Use of the PDA does not guarantee the policy will not lapse and even if you pay all your planned premiums, additional premiums may be needed to keep the policy in force. The deposit into the PDA does not affect the Surrender Charge Schedule. Any interest earned on the PDA will be taxable and, subject to applicable requirements, will be reported to you and the IRS on a Form 1099-INT. As the deposit into the PDA is not a premium payment, it will not be used in determining whether the policy is a Modified Endowment Contract, but planned premiums paid out of the PDA will be used for this purpose.
Calculation Method of Benefit [Text Block] Example: The following illustrates how the PDA can be used with the policy. A policyowner makes an Initial Premium payment of $10,000 into the policy and wants to open a PDA to fund 6 future annual Planned Premium payments of $10,000 each. Assuming a hypothetical interest rate of 5.25%, the policyowner would make a lump sum deposit of $50,353.64 to fund the PDA. The following chart depicts the planned premiums made into the policy and how the interest earned on the PDA contributes to those premium payments. 
Year
PDA
Beginning Balance
Interest
Earned
Annual Premium
paid from PDA
PDA
Ending Balance
1
$50,353.64
$2,643.57
-$10,000
$42,997.21
2
$42,997.21
$2,257.35
-$10,000
$35,254.56
3
$35,254.56
$1,850.86
-$10,000
$27,105.42
4
$27,105.42
$1,423.03
-$10,000
$18,528.45
5
$18,528.45
$972.74
-$10,000
$9,501.19
6
$9,501.19
$498.81
-$10,000
$0
●Living Benefits Rider (filed as Accelerated Benefits Rider): Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to: 
 
 
 
 
 
 
 
 
 
Elected
percentage
X
Eligible
proceeds
X
Interest factor
—
Administrative
fee (up to $150)
—
Elected percentage of
an unpaid policy loan
Minimum accelerated benefit amount: $25,000. Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact. Example: The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000: 
Elected
Percentage
Eligible Proceeds
Interest Factor
Administrative
Fee
Elected
Percentage x
Outstanding
Loan
Total Accelerated
Benefit Available
((1)x(2)x(3)) - (4) -
((1)x(5))
100%
$250,000
0.9434
$150
$5,000
$230,700
50%
$250,000
0.9434
$150
$2,500
$115,275
●Spouse’s Paid-Up Insurance Purchase Option Rider: This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: (1)the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or (2)$5,000,000. If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing. Example: The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86: 
Policy Proceeds
Requested
Paid-Up
Insurance Benefit
NSP for Paid-Up
Insurance
Policy Premium
for Paid-Up
Insurance
Net Policy
Proceeds
$1,000,000
$100,000
$772.86
$77,286
$1,000,000 -
$77,286 =
$922,714
$1,000,000
$500,000
$772.86
$386,430
$1,000,000 -
$386,430 =
$613,570
●Insurance Exchange Rider: This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: (1)If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.(2)If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider. Example: If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.●Overloan Protection Rider: Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: ●The policy must be in effect for at least 15 years. ●The insured must be at least age 75. ●Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. ●Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. ●Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. ●Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. ●The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). ●For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. ●The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). ●The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: A =The OLP Face Amount calculated at rider activation; B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. ●Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. ●Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. ●No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. ●No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. ●Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. ●No further Monthly Deduction Charges will be taken. This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider. Example:For a Policy with the following policy values at Attained Age 90: 
Face Amount (FA)
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest)
(L)
Cash
Surrender
Value (CV -
L)*
$1,000,000
$1,378,000
$1,200,000
$100,000
$1,300,000
$1,000,500
$299,500
The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 (3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy: 
Face Amount
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest) (L)
Cash
Surrender
Value (CV -
L)*
$1,267,045
$1,329,770
$0
$1,254,500
$1,254,500
$1,000,500
$254,000
The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. *No surrender charges apply.Age 121 Policy AnniversaryBeginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force for all subsequent years, but the following limitations will apply: (a)No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. (b)No Face Amount decreases will be permitted. (c)Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. (d)Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. (e)Transfers among the Investment Options will continue to be allowed. (f)Partial surrenders and loan repayments will continue to be allowed. (g)New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. (h)Any other riders attached to your policy will end, unless stated otherwise in the rider. Please consult your tax advisor regarding the tax implications of these options. If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.Tax-Free “Section 1035” Insurance Policy ExchangesGenerally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. Because the final surrender value of your existing policy will be calculated once the new life insurance policy has been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.24-Month Exchange PrivilegeWithin the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. To exchange your policy: ●your policy must be in force on the date of the exchange; ●you must repay any unpaid loan (including any accrued loan interest); and ●you must submit a Request. We will process your request for an exchange on the later of: (1) the Business Day on which we receive your Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.
Market Wealth Plus | No Lapse Guarantee  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] No Lapse Guarantee
Purpose of Benefit [Text Block] This ensures that your policy will remain in effect during the Guarantee Period, provided that your policy premium payments satisfy the No Lapse Guarantee Premium Test on each Monthly Deduction Day. This benefit prevents your policy from lapsing during the Guarantee Period even if the Cash Surrender Value is insufficient to cover the Monthly Deduction Charges on a Monthly Deduction Day.
Standard Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •The duration of the No Lapse Guarantee is 10 years.•The No Lapse Guarantee will become inactive before the end of the Guarantee Period if, on any Monthly Deduction Day, your premium payments do not pass the No Lapse Guarantee Premium Test.
Name of Benefit [Text Block] No Lapse Guarantee
Market Wealth Plus | Returned Payment  
Item 2. Key Information [Line Items]  
Other Transaction Fee, Description [Text Block] Returned Payment (Bad Check) Fee
Other Transaction Fee, When Deducted [Text Block] At time payment is returned
Other Transaction Fee, Maximum [Dollars] $ 20
Other Transaction Fee, Current [Dollars] $ 0
Market Wealth Plus | Living Benefits Rider  
Item 2. Key Information [Line Items]  
Other Transaction Fee, Description [Text Block] Living Benefits Rider Fee
Other Transaction Fee, When Deducted [Text Block] When you exercise the benefit
Other Transaction Fee, Maximum [Dollars] $ 150
Name of Benefit [Text Block] Living Benefits Rider (filed as the AcceleratedBenefits Rider)
Purpose of Benefit [Text Block] Advances a portion of the Life Insurance Benefit Proceeds upon Insuredhaving a life expectancy of 12 months or less.
Optional Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •Minimum accelerated benefit amount is $25,000.•Maximum accelerated benefit amount is $250,000 (total for all NYLIAC and affiliated companies’ policies).•A payment under this rider will reduce your policy’s Face Amount, rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan.•There is a $150 administrative fee to exercise the rider.
Name of Benefit [Text Block] Living Benefits Rider (filed as the AcceleratedBenefits Rider)
Operation of Benefit [Text Block] Living Benefits Rider (filed as Accelerated Benefits Rider): Under this rider, if the insured has a life expectancy of twelve months or less, you may request a portion or all of the Life Insurance Benefit Proceeds as an accelerated death benefit. You must elect this rider to have it included in your policy. This election can be made at any time. You can cancel this rider at any time by sending us a Request. This rider will end on the date we receive your Request. You may elect to receive an accelerated death benefit of 25%, 50%, 75%, or 100% of certain eligible proceeds from your Life Insurance Benefit Proceeds. We will pay you an amount equal to: 
 
 
 
 
 
 
 
 
 
Elected
percentage
X
Eligible
proceeds
X
Interest factor
—
Administrative
fee (up to $150)
—
Elected percentage of
an unpaid policy loan
Minimum accelerated benefit amount: $25,000. Maximum accelerated benefit amount: $250,000 (total for all of your NYLIAC and affiliated companies’ policies). If you accelerate less than 100% of the eligible proceeds, the remaining Face Amount of your policy after we pay this benefit must be at least $50,000. We do not permit any subsequent acceleration. When we make a payment under this rider, we will reduce your policy’s Face Amount, applicable rider death benefits, monthly deductions, Cash Value, and any unpaid policy loan based on the percentage you elected. We will deduct an administrative fee of $150 at the time you exercise the rider. Amounts received under this rider generally will be excludable from your gross income under IRC Section 101 (g). The exclusion from gross income will not apply, however, if you are not the insured and if you do not have an insurable interest in the life of the insured either because the insured is your director, officer, or employee, or because the insured has a financial interest in a business of yours. In some cases, there may be a question as to whether a life insurance policy that has an accelerated living benefit rider can meet certain technical aspects of the definition of a “life insurance contract” under the IRC. We reserve the right (but we are not obligated) to modify the rider to conform to any requirements the IRS may enact.
Calculation Method of Benefit [Text Block] Example: The following illustrates the benefit available under the Living Benefits Rider, assuming: (1) an Elected Accelerated Benefit of 100% and 50%, respectively; (2) Eligible Proceeds and Face Amount of $250,000; (3) an Interest Factor of 0.9434; (4) an Administrative Fee of $150; and an (5) Outstanding Loan of $5,000: 
Elected
Percentage
Eligible Proceeds
Interest Factor
Administrative
Fee
Elected
Percentage x
Outstanding
Loan
Total Accelerated
Benefit Available
((1)x(2)x(3)) - (4) -
((1)x(5))
100%
$250,000
0.9434
$150
$5,000
$230,700
50%
$250,000
0.9434
$150
$2,500
$115,275
●Spouse’s Paid-Up Insurance Purchase Option Rider: This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: (1)the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or (2)$5,000,000. If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing. Example: The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86: 
Policy Proceeds
Requested
Paid-Up
Insurance Benefit
NSP for Paid-Up
Insurance
Policy Premium
for Paid-Up
Insurance
Net Policy
Proceeds
$1,000,000
$100,000
$772.86
$77,286
$1,000,000 -
$77,286 =
$922,714
$1,000,000
$500,000
$772.86
$386,430
$1,000,000 -
$386,430 =
$613,570
●Insurance Exchange Rider: This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: (1)If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.(2)If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider. Example: If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.●Overloan Protection Rider: Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: ●The policy must be in effect for at least 15 years. ●The insured must be at least age 75. ●Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. ●Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. ●Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. ●Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. ●The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). ●For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. ●The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). ●The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: A =The OLP Face Amount calculated at rider activation; B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. ●Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. ●Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. ●No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. ●No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. ●Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. ●No further Monthly Deduction Charges will be taken. This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider. Example:For a Policy with the following policy values at Attained Age 90: 
Face Amount (FA)
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest)
(L)
Cash
Surrender
Value (CV -
L)*
$1,000,000
$1,378,000
$1,200,000
$100,000
$1,300,000
$1,000,500
$299,500
The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 (3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy: 
Face Amount
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest) (L)
Cash
Surrender
Value (CV -
L)*
$1,267,045
$1,329,770
$0
$1,254,500
$1,254,500
$1,000,500
$254,000
The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. *No surrender charges apply.Age 121 Policy AnniversaryBeginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force for all subsequent years, but the following limitations will apply: (a)No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. (b)No Face Amount decreases will be permitted. (c)Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. (d)Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. (e)Transfers among the Investment Options will continue to be allowed. (f)Partial surrenders and loan repayments will continue to be allowed. (g)New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. (h)Any other riders attached to your policy will end, unless stated otherwise in the rider. Please consult your tax advisor regarding the tax implications of these options. If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.Tax-Free “Section 1035” Insurance Policy ExchangesGenerally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. Because the final surrender value of your existing policy will be calculated once the new life insurance policy has been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.24-Month Exchange PrivilegeWithin the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. To exchange your policy: ●your policy must be in force on the date of the exchange; ●you must repay any unpaid loan (including any accrued loan interest); and ●you must submit a Request. We will process your request for an exchange on the later of: (1) the Business Day on which we receive your Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.
Market Wealth Plus | Overloan Protection Rider  
Item 2. Key Information [Line Items]  
Other Transaction Fee, Description [Text Block] Overloan Protection Rider Fee
Other Transaction Fee, When Deducted [Text Block] When you exercise the benefit
Other Transaction Fee (of Other Amount), Maximum [Percent] 8.50%
Other Transaction Fee (of Other Amount), Minimum [Percent] 1.00%
Other Transaction Fee (of Other Amount), Footnotes [Text Block]
Maximum Guaranteed Charge for a
Representative Investor with Attained
Age 87
 
5.5% of Cash Value
Current Charge for a Representative
Investor with Attained Age 87
 
5.5% of Cash Value
This cost varies based on characteristics of the insured and the charge shown may not be representative of the charge you will pay. To obtain more information about particular cost of insurance and other charges as they apply to your policy, please contact your registered representative. 5If the Cash Surrender Value of the new policy after the exchange is zero or lower, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payment will be treated as a premium payment and will be applied to your policy
Name of Benefit [Text Block] Overloan Protection Rider
Purpose of Benefit [Text Block] When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value.
Standard Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] To activate this rider, the following conditions must be met:•The policy must be in effect for at least 15 years.•The insured must be at least age 75.•Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation.•Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge.•Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration.•Cumulative partial surrenders taken must be no less than the total premiums paid under the policy.•Activation results in certain changes to your policy, including changes to the face amount and a reduction in the Life Insurance Proceeds. In addition, all other riders will end, with the exception of the Spouse’s Paid-Up Insurance Purchase Option Rider, all Cash Value will be transferred to the Fixed Account, and your ability to make other policy changes will be limited.
Name of Benefit [Text Block] Overloan Protection Rider
Operation of Benefit [Text Block] Overloan Protection Rider: Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: ●The policy must be in effect for at least 15 years. ●The insured must be at least age 75. ●Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. ●Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. ●Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. ●Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. ●The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). ●For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. ●The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). ●The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: A =The OLP Face Amount calculated at rider activation; B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. ●Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. ●Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. ●No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. ●No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. ●Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. ●No further Monthly Deduction Charges will be taken. This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider.
Calculation Method of Benefit [Text Block] Example:For a Policy with the following policy values at Attained Age 90: 
Face Amount (FA)
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest)
(L)
Cash
Surrender
Value (CV -
L)*
$1,000,000
$1,378,000
$1,200,000
$100,000
$1,300,000
$1,000,500
$299,500
The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 (3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy: 
Face Amount
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest) (L)
Cash
Surrender
Value (CV -
L)*
$1,267,045
$1,329,770
$0
$1,254,500
$1,254,500
$1,000,500
$254,000
The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. *No surrender charges apply.
Market Wealth Plus | Insurance Exchange Rider  
Item 2. Key Information [Line Items]  
Other Transaction Fee, Description [Text Block] Insurance Exchange Rider
Other Transaction Fee, When Deducted [Text Block] When you exercise the benefit
Other Transaction Fee (of Other Amount), Maximum [Percent] 103.00%
Name of Benefit [Text Block] Insurance Exchange Rider
Purpose of Benefit [Text Block] This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy.
Standard Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •You must provide evidence of insurability on the new insured and have an insurable interest in the new insured.•You may be required to make a conditional premium payment to exercise this rider.•Exercising this rider will have tax consequences.•This rider may be exercised only once.
Name of Benefit [Text Block] Insurance Exchange Rider
Operation of Benefit [Text Block] Insurance Exchange Rider: This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: (1)If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.(2)If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider.
Calculation Method of Benefit [Text Block] Example: If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.
Market Wealth Plus | Loans  
Item 2. Key Information [Line Items]  
Optional Benefit Charge, Description [Text Block] Loan Interest
Optional Benefit Charge, When Deducted [Text Block] Accrues daily and compounds annually (while loan balance is outstanding)
Optional Benefit Expense (of Benefit Base), Maximum [Percent] 6.00%
Optional Benefit Expense (of Benefit Base), Current [Percent] 3.00%
Optional Benefit Expense, Footnotes [Text Block] Loan interest accrues daily but is not deducted from the policy’s Cash Value. Any loan interest not paid when due will become part of the policy loan and will also accrue interest. See “When Loan Interest is Due” for additional information. The interest charged on loaned amounts is partially offset by the interest we credit to the Loan Account, which will always be at a rate at least equal to the Guaranteed Minimum Interest Rate. See “Interest Credited on the Cash Value Held as Collateral for a Policy Loan” for additional information. 3The current loan interest rate is reduced to 2.00% annually in Policy Years 11 and beyond.
Market Wealth Plus | Spouses Paid Up Insurance Purchase Option Rider  
Item 2. Key Information [Line Items]  
Name of Benefit [Text Block] Spouse’s Paid-Up Insurance Purchase Option Rider
Purpose of Benefit [Text Block] Allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies.
Standard Benefit [Flag] true
Brief Restrictions / Limitations [Text Block] •The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of (1) the maximum amount of the Life Insurance Benefits Proceeds (before any unpaid loan is deducted), or (2) $5,000,000.
Name of Benefit [Text Block] Spouse’s Paid-Up Insurance Purchase Option Rider
Operation of Benefit [Text Block] Spouse’s Paid-Up Insurance Purchase Option Rider: This rider allows a spouse who is the beneficiary under the policy to purchase a new paid-up whole life insurance policy on his or her own life without evidence of insurability when the insured dies. The maximum Face Amount of the spouse’s new paid-up whole life policy is the lesser of: (1)the maximum amount of the Life Insurance Benefit Proceeds payable under this policy (before any unpaid loan is deducted); or (2)$5,000,000. If the insured’s spouse dies at the same time as the insured or within 30 days after the insured’s death and does not exercise the option under this rider, we will pay a benefit to the spouse’s estate equal to the maximum amount of insurance coverage that could have been purchased under this rider, minus the premium payment that would have been required for that insurance (cannot exceed a maximum of $2,500,000). If a third party (including a trust) is the policyowner and beneficiary under the policy, that third party can also exercise the option and purchase a paid-up whole life policy on the life of the spouse. The policyowner must have an insurable interest in the life of the spouse and the spouse must consent to the issuance of the new insurance in writing.
Calculation Method of Benefit [Text Block] Example: The following illustrates the benefit available under the Spouse’s Paid-Up Insurance Purchase Option Rider, assuming Policy Proceeds and Face Amount of $1,000,000 and a request by a Representative Spouse (Male, Age 70, Standard rating) for a new paid-up whole life insurance policy of $100,000 and $500,000 with a Net Single Premium per thousand (NSP) of $772.86: 
Policy Proceeds
Requested
Paid-Up
Insurance Benefit
NSP for Paid-Up
Insurance
Policy Premium
for Paid-Up
Insurance
Net Policy
Proceeds
$1,000,000
$100,000
$772.86
$77,286
$1,000,000 -
$77,286 =
$922,714
$1,000,000
$500,000
$772.86
$386,430
$1,000,000 -
$386,430 =
$613,570
●Insurance Exchange Rider: This rider allows you to exchange the policy for a new NYLIAC variable universal life policy issued on a new insured using the cash values from your original policy. This rider is included in the policy at no additional cost. This rider may only be exercised once under the Policy. To exercise this rider, you must send a completed Insurance Exchange Rider form in Good Order to the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). When an exchange is made to a new policy the Cash Value of your policy will be transferred to the new policy and become the Cash Value for the new policy. However, the Cash Surrender Value under the new policy may be different since surrender charges will be based on the new insured’s age and gender. The maximum Face Amount of the new policy is the lesser of the Face Amount of the original policy on the Policy Date or the Face Amount of the original policy on the date of the exchange. Before we can issue the new policy, you must provide us with evidence of insurability on the new insured (which may require full medical underwriting) and have an insurable interest in the new insured. The Policy Date and the Issue Date of the new policy will be the date on which the policy is exchanged. The new cost of insurance rates, premium payments and charges will be based on the new insured’s age, gender, and class of risk at the time the exchange occurs. However, surrender charges on the new policy will be measured from the Policy Date of the original policy. Under certain circumstances, you may be required to make a conditional premium payment into the new policy to exercise the exchange rider: (1)If the Cash Surrender Value of the new policy will exceed the Cash Surrender Value of the original policy, then a payment equal to 103% of the difference between these two values will be required.(2)If the Cash Surrender Value of the new policy after the exchange would be zero or less than zero, then a payment in an amount sufficient to keep the new policy in effect for two months following the date of exchange will be required. This payments will be treated as a premium payment into the new policy and will be subject to the charges and conditions applicable to premiums in the new policy. If the conditions specified above are not present at the time the rider is exercised the conditional premium payment will not be required. The IRS has ruled that an exchange of policies pursuant to this type of rider does not qualify as a tax-deferred exchange under IRC Section 1035. Accordingly, the exercise of your rights under this rider will result in a taxable event. You will be required to include in gross income an amount equal to the gain in the policy. The exercise of your rights under this rider also may result in the new policy’s classification as a modified endowment contract, as discussed in the prospectus. You should consult your tax adviser about the potential adverse tax consequences of exercising your rights under this rider. Example: If an original policy, purchased on a Representative Insured (Male, 40, Premier issue) with a Cash Value of $157,431.84 and Face Amount of $250,000, is exchanged at Policy Year 11 (outside the Surrender Charge Period) for a Policy with the same Cash Value and Face Amount on an Insured (Female 50, Quality), the exchange would result in a decrease in Monthly Deduction Charges. As with the original policy, the policy resulting from the exchange would not be subject to surrender charges.●Overloan Protection Rider: Subject to state availability, your policy will include the Overloan Protection Rider. When activated, the Overloan Protection Rider guarantees that your policy will not lapse even if: (1) the policy’s Cash Surrender Value is insufficient to cover the current Monthly Deduction Charges or (2) the policy’s outstanding loans plus accrued loan interest exceed its Cash Value. To activate the Overloan Protection Rider you must provide us with a Request. A one-time charge will be deducted from the policy’s Cash Value on the activation date. There is no charge if the Rider is never activated. In addition, the following conditions must be met upon receipt of your Request: ●The policy must be in effect for at least 15 years. ●The insured must be at least age 75. ●Any outstanding loan plus accrued loan interest exceeds the Face Amount of the policy in effect at the time of activation. ●Any outstanding loan plus accrued loan interest must be less than 99% of the policy Cash Value after the deduction of any surrender charges and the one-time rider charge. ●Activation of the rider cannot cause the policy to violate IRC Section 7702 at any duration. ●Cumulative partial surrenders taken must be no less than the total premiums paid under the policy. ●The policy is not a modified endowment contract (MEC) and would not become a MEC upon activation of the rider. (For a discussion of these rules, see “Federal Income Tax Considerations—Modified Endowment Contract Status”). ●For purposes of this rider, the Life Insurance Benefit under the Policy is referred to as Life Insurance Benefit Option 1. Once the policy meets the conditions outlined above, we will mail a notice to you at your last known address to notify you that the Overloan Protection Rider can be activated. The Overloan Protection Rider will be effective on the Monthly Deduction Day following the day we receive your Request to activate, provided that the policy still meets the conditions for rider activation. Once in effect, the Overloan Protection Rider will prevent your policy from ending. The following changes to your policy will take effect. ●The Face Amount of the policy will be changed to 101% of the policy’s Cash Value (the “OLP Face Amount”). ●The policy’s Life Insurance Proceeds will be the greater of: A or (B x C) where: A =The OLP Face Amount calculated at rider activation; B =the greater of: (i) the policy’s Cash Value, or (ii) any outstanding loans plus accrued loan interest; and C = the greater of 101% or the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702. ●Any Cash Value under the policy that is not invested in the Fixed Account will be transferred to the Fixed Account. ●Any riders, except the Overloan Protection Rider and the Spouse’s Paid-Up Insurance Purchase Option Rider, will end. ●No further policy changes, premium payments, transfers, partial surrenders, or full surrenders will be allowed. ●No additional loans (except those resulting from unpaid loan interest) or loan repayments will be permitted. ●Loan interest will continue to accrue. If not paid when due, the interest will become part of any outstanding loan and will also accrue interest. ●No further Monthly Deduction Charges will be taken. This policy may be purchased with the intention of accumulating cash value on a tax-free basis over some period (such as retirement) and relying on the Overloan Protection Rider to periodically borrow from the Policy without allowing the Policy to lapse. Anyone contemplating the purchase of the Policy with the intention of pursuing this strategy or otherwise exercising the “overloan protection” provided under the Overloan Protection Rider should be aware that, among other risks, it has not been ruled on by the IRS or the courts and it may be subject to challenge by the IRS, since it is possible that the loans will be treated as taxable distributions when the Overloan Protection Rider is activated. For this reason, you should consider very carefully, after consultation with your tax advisor, whether to exercise the Overloan Protection Rider. Example:For a Policy with the following policy values at Attained Age 90: 
Face Amount (FA)
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest)
(L)
Cash
Surrender
Value (CV -
L)*
$1,000,000
$1,378,000
$1,200,000
$100,000
$1,300,000
$1,000,500
$299,500
The activation of the rider will result in: (1) the assessment of a one-time Overloan Protection Rider Fee of $45,500 (3.5% of the Cash Value of $1,300,000)—a fee that will vary based on Attained Age and deducted from the Cash Value and (2) the following changes to the policy: 
Face Amount
Life
Insurance
Benefit
Separate
Account
Value
(SAV)
Fixed
Account
Value
(FAV)
Cash
Value
(CV)
(SAV +
FAV)
Outstanding
Loans (plus
Accrued
Loan
Interest) (L)
Cash
Surrender
Value (CV -
L)*
$1,267,045
$1,329,770
$0
$1,254,500
$1,254,500
$1,000,500
$254,000
The activation of the rider increases the Face Amount by making it 101% of the Cash Value –calculated as the greater of the Face Amount ($1,267,045) or the policy’s Cash Value, multiplied by the minimum percentage necessary for the policy to qualify as life insurance under IRC Section 7702 ($1,254,500 x 1.06) or $1,329,770. *No surrender charges apply.Age 121 Policy AnniversaryBeginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force for all subsequent years, but the following limitations will apply: (a)No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. (b)No Face Amount decreases will be permitted. (c)Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. (d)Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. (e)Transfers among the Investment Options will continue to be allowed. (f)Partial surrenders and loan repayments will continue to be allowed. (g)New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. (h)Any other riders attached to your policy will end, unless stated otherwise in the rider. Please consult your tax advisor regarding the tax implications of these options. If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.Tax-Free “Section 1035” Insurance Policy ExchangesGenerally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. Because the final surrender value of your existing policy will be calculated once the new life insurance policy has been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.24-Month Exchange PrivilegeWithin the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. To exchange your policy: ●your policy must be in force on the date of the exchange; ●you must repay any unpaid loan (including any accrued loan interest); and ●you must submit a Request. We will process your request for an exchange on the later of: (1) the Business Day on which we receive your Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.
Market Wealth Plus | Attained Age 100 Policy Anniversary  
Item 2. Key Information [Line Items]  
Operation of Benefit [Text Block] Age 121 Policy AnniversaryBeginning on the policy anniversary on which the insured is age 121, the Life Insurance Benefit will remain in force for all subsequent years, but the following limitations will apply: (a)No further Planned or Unplanned Premiums will be allowed, except as needed to keep your policy from lapsing. (b)No Face Amount decreases will be permitted. (c)Other than the Mortality and Expense Risk Charge, no further monthly deductions will be made from your Cash Value. (d)Your Cash Value will continue to be invested in the Investment Options chosen by the policyowner. (e)Transfers among the Investment Options will continue to be allowed. (f)Partial surrenders and loan repayments will continue to be allowed. (g)New policy loans may be requested and loan interest will continue to accrue on any new and existing loans at the current Loan Interest Rate. However, if the amount of any unpaid loans (including any accrued loan interest) is greater than the Cash Value of your policy minus surrender charges, your policy could lapse. (h)Any other riders attached to your policy will end, unless stated otherwise in the rider. Please consult your tax advisor regarding the tax implications of these options. If your policy is still in effect when the insured dies, we will pay the Life Insurance Proceeds to the beneficiary.
Market Wealth Plus | Tax Free Section 1035 Insurance Policy Exchanges  
Item 2. Key Information [Line Items]  
Operation of Benefit [Text Block] Tax-Free “Section 1035” Insurance Policy ExchangesGenerally, you can exchange one life insurance policy for another in a “tax-free exchange” under IRC Section 1035. Before making an exchange, you should compare both policies carefully. Remember that if you exchange another policy for the one described in this prospectus, you might have to pay a surrender charge on your old policy. Also, some charges may be higher (or lower), and the benefits may be different. If the exchange does not qualify for IRC Section 1035 treatment, you may have to pay federal income and penalty taxes on the exchange. You should not exchange another policy for this one unless you determine, after knowing all of the facts, that the exchange is in your best interest. New York Life may accept standard electronic instructions from another insurance carrier for the purposes of effecting an IRC Section 1035 exchange. Because the final surrender value of your existing policy will be calculated once the new life insurance policy has been approved for issuance, this final surrender value may be impacted by increases or decreases in policy values that result from market fluctuations during the period between submission of the exchange request and actual processing. The final surrender value may be calculated several Business Days after we receive your exchange Request. Please consult your current insurer for options to potentially mitigate market exposure during this period. In addition, as we will not issue the new policy until we have received an Initial Premium from your existing insurance company, the issuance of the policy in an exchange could be delayed. The ACSV is not available for IRC Section 1035 exchanges to another life insurance policy. If you chose to exchange another life insurance policy for this one in a "tax-free exchange" under IRC Section 1035, funds resulting from the exchange will not count toward the Initial Premium required under this policy.
Market Wealth Plus | 24 Month Exchange Privilege  
Item 2. Key Information [Line Items]  
Operation of Benefit [Text Block] 24-Month Exchange PrivilegeWithin the first 24 months after the Issue Date of your policy, if you decide that you do not want to own a variable policy, you may exchange it for a new policy on the life of the Insured without evidence of insurability and without a Surrender Charge deduction. The new policy will be on a permanent plan of life insurance, which we were offering for this purpose on the Issue Date of this VUL Policy. The new policy will have a face amount equal to the initial Face Amount of this Policy. It will be based on the same Policy Date, Insured's class of risk, gender, and Issue Age as this Policy, but will not offer variable investment options such as the Investment Divisions. The new policy will have the same provisions and be subject to the same limitations as are in the series of permanent plan life insurance policies being issued by us on that date. All riders attached to this Policy will end on the date of exchange, unless we agree otherwise. To exchange your policy: ●your policy must be in force on the date of the exchange; ●you must repay any unpaid loan (including any accrued loan interest); and ●you must submit a Request. We will process your request for an exchange on the later of: (1) the Business Day on which we receive your Request along with your policy, or (2) the Business Day on which we receive the necessary loan payment for your exchange in Good Order at the VPSC at one of the addresses listed on the first page of this prospectus (or any other address we indicate to you in writing). The policy exchange will be effective on the later of these two dates. The amount applied to your new policy will be the policy’s Cash Value plus a refund of all Cost of Insurance Charges, Administrative  Charges, Premium Expense Charges and any rider charges taken as of the date of the exchange. We will not refund Mortality and Expense Risk Charges, or Contract Charges. Because policy values may increase or decrease due to market fluctuations during the period between submission of the exchange request and actual processing, the Cash Value applied to your new policy may be impacted. Please consult your registered representative for options to potentially mitigate market exposure during the time it will take to process the exchange. We will require you to make any adjustment to the premiums and Cash Value of your variable policy and the new policy, if necessary. When you exchange your policy, all riders and benefits for that policy will end, unless otherwise required by law. Requests received after 4:00 pm (Eastern Time) on a Business Day, or on a non-Business Day, will be processed as of the next Business Day.