Please visit www.mainstayinvestments.com to view the prospectus or summary prospectus, which contain the investment objectives, risks, fees and expenses, and other information you need to consider before investing. 5Source: LIMRA, U.S. Individual Annuity Sales Survey, Participants Report, Fixed Immediates and Deferred Income Annuities, Fourth Quarter 2013 results. (Fixed Immediates include Fixed P