Thought Leadership Perspectives

Thought Leadership Perspectives

Real challenges, smarter strategies, better futures

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Insights that empower and shape financial wellness

Insights that empower and shape financial wellness

New York Life is the trusted source for financial advice and guidance, blending sharp market research with big-picture thinking to spot what’s next. By identifying the forces shaping consumer decisions, we help workplaces and families stay ahead and make smarter financial choices.

The Power of Wellness at Work

The Power of Wellness at Work

Investing in employee wellbeing isn’t just good practice—it’s essential. A workplace that prioritizes wellbeing creates a powerful effect for employees, the organization, and broader communities they serve.

49%

of financially-stressed employees cite money had a severe or major impact on their mental health1

56%

of Americans say they would finance $1,000 emergency expense with a credit card, personal loan or turning to family for help2

90%

of adults caring for both children and an aging loved one report both financial and lifestyle changes due to caregiving responsibilities3

87%

of Americans are concerned about rising costs during retirement4

Balance Wellbeing empowers individuals to build more secure financial futures

Balance Wellbeing empowers individuals to build more secure financial futures

Financial Confidence Grows Together.

Access to workplace benefits, including financial education, can improve confidence levels and help people on the path to lifetime financial wellbeing.

Building Blocks.

Building Blocks.

Financial security is a foundational component of wellbeing. Providing access to financial education, guidance and solutions to address discreet barriers and empower employees to make better financial decisions starts with insights.

Unique Experiences, Support for All.

Unique Experiences, Support for All.

Wellness is about people. Providing insights and support to address the unique needs and challenges facing employees, across the spectrum of care, from family planning, caring for a loved one with special needs, to loss and grief sensitive support, makes a difference.

Empower your employees with financial security and tools to thrive—because their success powers your business.

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Important Notes


  1. 2022 PwC Employee Financial Wellness Survey, January – February 2022

  2. ”Annual Emergency Savings Report,” Bankrate and SSRI, January 2024

  3. New York Life Wealth Watch special edition survey focused on the sandwich generation. This poll was conducted between August 31–September 10, 2023 among a sample of 1,003 Sandwich Generation adults and include those providing care to an aging parent and child(ren). The interviews were conducted online. Results from the full survey have a margin of error of plus or minus 3 percentage points.

  4. National Institute on Retirement Security, 2024


* New York Life Insurance Company is not affiliated with the service providers, does not provide debt and student loan services and warrant any of its statements or representations. You have a choice to engage with the providers for their services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions of the respective provider. The service providers are solely responsible for the services they provide.


Balance Wellbeing with New York Life is currently available as a workplace benefit through participating employers. Balance Wellbeing is brought to you by New York Life Insurance Company. The information provided on BalanceWellbeing.com is for general informational purposes only and is not intended as tax, legal, investment, or retirement advice and is not intended to market or sell any specific product. It may not be relied on for the purpose of avoiding any state, federal, or other taxes. Neither New York Life Insurance Company nor its agents provide tax, legal, or financial accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. While the content is derived from sources believed to be accurate, we do not guarantee its accuracy or completeness. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.


Participation in any Balance Wellbeing service is optional at no cost, and access is not conditioned on the purchase of insurance, retirement, investment products and services from New York Life Insurance Company. You have a choice to engage with New York Life Insurance Company agents for financial guidance and to purchase insurance and other products and services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions.

Neither New York Life Insurance Company nor any of its subsidiaries make any representations as to the completeness or accuracy of information that is provided by third-party vendors accessible through the site. Neither New York Life Insurance Company nor any of its subsidiaries are liable for any direct or indirect technical or systems issues or any consequences arising out of your access to, or your use of third-party technologies, sites, information, and programs made available through this website. Please review third-party terms and conditions and privacy policies, all of which are separate from and unrelated to New York Life Insurance Company.


© 2025, New York Life Insurance Company. All rights reserved. BALANCE WELLBEING and the BALANCE WELLBEING WITH NEW YORK LIFE Logo are trademarks of New York Life Insurance Company

7717101

Important Notes


  1. 2022 PwC Employee Financial Wellness Survey, January – February 2022

  2. ”Annual Emergency Savings Report,” Bankrate and SSRI, January 2024

  3. New York Life Wealth Watch special edition survey focused on the sandwich generation. This poll was conducted between August 31–September 10, 2023 among a sample of 1,003 Sandwich Generation adults and include those providing care to an aging parent and child(ren). The interviews were conducted online. Results from the full survey have a margin of error of plus or minus 3 percentage points.

  4. National Institute on Retirement Security, 2024


* New York Life Insurance Company is not affiliated with the service providers, does not provide debt and student loan services and warrant any of its statements or representations. You have a choice to engage with the providers for their services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions of the respective provider. The service providers are solely responsible for the services they provide.


Balance Wellbeing with New York Life is currently available as a workplace benefit through participating employers. Balance Wellbeing is brought to you by New York Life Insurance Company. The information provided on BalanceWellbeing.com is for general informational purposes only and is not intended as tax, legal, investment, or retirement advice and is not intended to market or sell any specific product. It may not be relied on for the purpose of avoiding any state, federal, or other taxes. Neither New York Life Insurance Company nor its agents provide tax, legal, or financial accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. While the content is derived from sources believed to be accurate, we do not guarantee its accuracy or completeness. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.


Participation in any Balance Wellbeing service is optional at no cost, and access is not conditioned on the purchase of insurance, retirement, investment products and services from New York Life Insurance Company. You have a choice to engage with New York Life Insurance Company agents for financial guidance and to purchase insurance and other products and services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions.

Neither New York Life Insurance Company nor any of its subsidiaries make any representations as to the completeness or accuracy of information that is provided by third-party vendors accessible through the site. Neither New York Life Insurance Company nor any of its subsidiaries are liable for any direct or indirect technical or systems issues or any consequences arising out of your access to, or your use of third-party technologies, sites, information, and programs made available through this website. Please review third-party terms and conditions and privacy policies, all of which are separate from and unrelated to New York Life Insurance Company.


© 2025, New York Life Insurance Company. All rights reserved. BALANCE WELLBEING and the BALANCE WELLBEING WITH NEW YORK LIFE Logo are trademarks of New York Life Insurance Company

7717101

Important Notes


  1. 2022 PwC Employee Financial Wellness Survey, January – February 2022

  2. ”Annual Emergency Savings Report,” Bankrate and SSRI, January 2024

  3. New York Life Wealth Watch special edition survey focused on the sandwich generation. This poll was conducted between August 31–September 10, 2023 among a sample of 1,003 Sandwich Generation adults and include those providing care to an aging parent and child(ren). The interviews were conducted online. Results from the full survey have a margin of error of plus or minus 3 percentage points.

  4. National Institute on Retirement Security, 2024


* New York Life Insurance Company is not affiliated with the service providers, does not provide debt and student loan services and warrant any of its statements or representations. You have a choice to engage with the providers for their services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions of the respective provider. The service providers are solely responsible for the services they provide.


Balance Wellbeing with New York Life is currently available as a workplace benefit through participating employers. Balance Wellbeing is brought to you by New York Life Insurance Company. The information provided on BalanceWellbeing.com is for general informational purposes only and is not intended as tax, legal, investment, or retirement advice and is not intended to market or sell any specific product. It may not be relied on for the purpose of avoiding any state, federal, or other taxes. Neither New York Life Insurance Company nor its agents provide tax, legal, or financial accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. While the content is derived from sources believed to be accurate, we do not guarantee its accuracy or completeness. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.


Participation in any Balance Wellbeing service is optional at no cost, and access is not conditioned on the purchase of insurance, retirement, investment products and services from New York Life Insurance Company. You have a choice to engage with New York Life Insurance Company agents for financial guidance and to purchase insurance and other products and services. If you choose to do so, those engagements will be governed by the particular applicable terms and conditions.

Neither New York Life Insurance Company nor any of its subsidiaries make any representations as to the completeness or accuracy of information that is provided by third-party vendors accessible through the site. Neither New York Life Insurance Company nor any of its subsidiaries are liable for any direct or indirect technical or systems issues or any consequences arising out of your access to, or your use of third-party technologies, sites, information, and programs made available through this website. Please review third-party terms and conditions and privacy policies, all of which are separate from and unrelated to New York Life Insurance Company.


© 2025, New York Life Insurance Company. All rights reserved. BALANCE WELLBEING and the BALANCE WELLBEING WITH NEW YORK LIFE Logo are trademarks of New York Life Insurance Company

7717101