The document outlines New York Life's (NYL's) strategy and positioning in 12 steps: 1) NYL focuses on customer loyalty and being a trustworthy company. 2) It is the #1 insurer in customer loyalty and trust. 3) It is riding waves of social networks, openness, and affordable luxury. 4) Its main competitors are The Hartford and ING. 5) It is the only insurer offering dividends on long-term care insurance. 6) It will focus more on online services but outsource nothing. 7) Customers provide loyalty and value through money and loyalty. 8) It presents itself as the good guy compared to competitors.