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Kris Padmanabhan is a Licensed Agent of New York Life Insurance Company to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of NJ, CA (CA License # 0K63465), CT, IL, MI, NC, TX, FL, KS, MN, NY, VA, GA, MA, MO, PA and WA.  No insurance business may be conducted outside the states referenced. 

Neither New York Life Insurance Company nor its agents or affiliates provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.