NEW YORK - Standard & Poor's Ratings Services said it lowered its long-term rating on California State Teachers' Retirement System's (CalSTRS) credit enhancement.

Get the Facts on Long-Term Care Because Having a Plan Can Make All the Difference As someone who's worked hard to build a life of financial security for yourself and your loved ones, you understand the value of having a good plan. After all, it's planning that's gotten you where you are.and you're not about to stop planning for success now. You can't always predict what life will throw your way, and that's especially true when it comes to long-term care needs.

That's why you've made a wise choice by looking into your options for long-term care protection and how it can help preserve your assets and protect your family from financial stress. It's easy to learn more about your options for protecting the people and things that mean the most to you. With AARP Long-Term Care Options from New York Life, our knowledgeable agents can help you explore your coverage options and answer your questions. Take the first step today by learning how AARP Long-Term Care Options from New York Life can help you plan to protect what you've worked so hard to build. 1 Products issued by New York Life Insurance Company and New York Life Insurance and Annuity Corporation. 2 Congressional Budget Office (2013) Rising Demand for Long-Term Services and Supports for Elderly People (New York Life Insurance Company • 51 Madison Avenue • New York, NY 10010 The purpose of this material is solicitation of insurance. An insurance agent may contact you.

Policy forms ICC16-316-60P & ICC16-316-284R, ICC16-316-150P & ICC16-316-283R, 316-60P & 316-284R, 316-150P & 316-283R, ICC13314-60, 314-60, 898-60, and any state-specific, are issued by New York Life Insurance and Annuity Corporation, Newark, DE, a wholly owned subsidiary of New York Life Insurance Company. Policy forms ICC14-LTC6, LTC6, ILTC-5000, INH-5000, and any state-specific, are issued by New York Life Insurance Company, New York, NY. Premiums vary by issue age, and may be increased in the future. Policy issue is subject to underwriting.

A medical exam may be required. The policies have exclusions and limitations.

For costs and complete details of the coverage, contact your agent or the company. The products offered through AARP Long-Term Care Options are available to the public. New York Life Insurance Company offers AARP Long-Term Care Options to eligible AARP members. New York Life pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Neither AARP nor its affiliates are insurers, agents, producers or brokers.

New York Life is the insurer for any insurance products offered through AARP Long-Term Care Options. SMRU 1729889 () ICC © 2018 New York Life Insurance Company. Forest Stream Tears Of Mortal Solitude Rar there.

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Get the Facts on Long-Term Care Because Having a Plan Can Make All the Difference As someone who's worked hard to build a life of financial security for yourself and your loved ones, you understand the value of having a good plan. After all, it's planning that's gotten you where you are.and you're not about to stop planning for success now. You can't always predict what life will throw your way, and that's especially true when it comes to long-term care needs. That's why you've made a wise choice by looking into your options for long-term care protection and how it can help preserve your assets and protect your family from financial stress. It's easy to learn more about your options for protecting the people and things that mean the most to you.

With AARP Long-Term Care Options from New York Life, our knowledgeable agents can help you explore your coverage options and answer your questions. Take the first step today by learning how AARP Long-Term Care Options from New York Life can help you plan to protect what you've worked so hard to build. 1 Products issued by New York Life Insurance Company and New York Life Insurance and Annuity Corporation.