Vikram Patel and Rishma Patel are agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of IL, AL, AR Lic#7408633, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NJ, OH, PA, SC, TN, TX, VA and WI. No insurance business may be conducted outside the states referenced.

Health Insurance: Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.

Fixed Annuities: Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation).

Vikram Patel and Rishma Patel are Registered Representatives of and offers securities products and services collectively through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency.  In this regard, this communication is strictly intended for individuals residing in the states of IL, MO, TN and WI.  No offers may be made or accepted from any resident outside the specific states referenced.

Vikram Patel and Rishma Patel are licensed to offer mutual funds and variable products.  Market Watch information is provided for informational purposes and is not considered an offering of securities.