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New York Life Insurance business model | How does New York Life Insurance make money?

New York Life Insurance Company (NYLIC) is the largest mutual life-insurance company in the United States, and one of the largest life insurers in the world. NYL (and its primary American insurance subsidiary, New York Life Insurance and Annuity Corporation) are licensed to do business in all 50 states and the District of Columbia. The company also sells annuities and long-term care insurance, mutual funds through its subsidiary NYLIFE Securities (a registered broker-dealer), and provides institutional asset management and retirement-plan services from subsidiary New York Life Investment Management (NYLIM),

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