New York Life

Cynthia L. Pacheco graduated Emerson College with a Bachelor of Science in Communication. Before New York Life, Cynthia was the President of Holistic Media, LLC, a boutique marketing and public relations company, a 1031 Exchange Coordinator with San Francisco-based Churchill Exchange, and the Business Affairs Liaison to prominent business owners in the entertainment industry.

Cynthia serves clients all over the Los Angeles, Orange County and Inland Empire areas.

LIFE INSURANCE      -      LIFETIME INCOME      -       LONG TERM CARE INSURANCE      -      MUTUAL FUNDS      -      INVESTMENT ANNUITIES      -      OTHER PRODUCTS

Why New York Life?
"The primary responsibility of a mutual insurance company is to ensure that the long-term benefits promised to its policyholders are secure and protected. By remaining a mutual, New York Life can continue to manage for the long term, instead of the quarter-to-quarter orientation of the investment community."
— Chairman and CEO Sy Sternberg

For more than 160 years, New York Life Insurance Company's unwavering financial strength and time-tested investment strategies have provided consistent value and solid financial protection for our clients and their families.

Since becoming the first American life insurance company to pay a cash dividend to policyholders in the mid-1800s, New York Life has continued to build a history of innovation — enhancing our existing product lines, creating new financial products, and maintaining a diversified portfolio to best accommodate our customers' changing needs and lifestyles.

Central to our success are our New York Life agents, who are widely recognized as the best-trained professionals in the industry. Our agents have the ability to understand each customer's objectives and draw upon New York Life's products to best address those objectives.

As you seek financial security for yourself and your loved ones, you want the best: A strong and vital company with a competitive product line and a superior sales force that is committed to providing personal attention to your individual needs.

The life insurance business is unique. People pay us premiums for many years and receive nothing in return but a promise that New York Life will be there, strong and solvent, decades from now, to help pay a claim, fund a retirement, or meet nursing home costs.

That's why it's important that we're a mutual insurance company. A mutual insurance company is a company that is not publicly traded. Therefore, it has no stock to be bought and sold and no shareholders. Instead, policyholders share in the ownership of the company. For this reason, unlike publicly traded companies that manage their business for the short-term benefit of shareholders, we are guided by the longer-term needs and expectations of our policyholders. This makes New York Life, essentially, a partner in your long-term planning.

It all begins with financial strength, which allows us to meet our future obligations to policyholders. Along with nearly $169 billion in consolidated assets¹, New York Life Insurance Company holds a stable and diversified portfolio and consistently receives among the highest ratings for financial strength from the life insurance industry's independent rating agencies. We've earned these ratings: Our capital position is one of the strongest in the industry, giving us the financial strength to weather unexpected storms.

Our Ratings
New York Life (NYL) has received among the highest ratings for financial strength from the life insurance industry's principal rating agencies:

• A.M. Best (A++)
• Standard & Poor's (AAA)
• Moody's (Aaa)
• Fitch (AAA)

Customer satisfaction is our agents' driving force, so their primary responsibility is to ensure that clients and their loved ones have optimal protection, and to help policyholders achieve a variety of financial goals.

Our agents are well qualified for this important work. Many have received their CLU (Chartered Life Underwriter) and ChFC (Chartered Financial Consultant) designations, and hold higher level degrees. Our field force's ongoing commitment to continuing education reflects their dedication to equip themselves with the best tools available in order to serve you better.

New York Life agents rightfully earn the trust and loyalty of their clients. Perhaps that's why our agents have led the world in Million Dollar Round Table memberships — the most prestigious of life insurance honors — for 50 consecutive years. The Million Dollar Round Table is an association of leading sales professionals in the life insurance industry.

Join the New York Life Family
New York Life has been the insurer of choice for Americans from every walk of life for seven generations — from little leaguers to baseball legends, from small business owners to captains of industry, scientists to socialites, homemakers to entertainers.

Throughout our long and distinguished history, we have insured more than our share of famous faces, including Babe Ruth, J.C. Penney, Nat King Cole, and 10 U.S. presidents.

But you don't have to be famous to be important to New York Life. We believe each of our policyholders is special, and we are committed to being there for all who have entrusted us with their financial future.

¹ As of December 31, 2005. Presented in conformity with accounting principles generally accepted in the United States of America (GAAP)

² Represents the statutory consolidation of New York Life Insurance Company and its domestic wholly owned life insurance subsidiaries as of December 31, 2005.

³ A.M. Best Statistical Study, 4/3/06, "U.S. Life Insurers Realized 6% Asset Growth in 2005".

⁴ Dividends are not guaranteed, nor are current dividends an estimate of future performance.