Exhibit (10)(b)

                NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION
                               POWERS OF ATTORNEY

     KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned
constitutes and appoints each of Thomas F. English, Karen E. Dann, Robert J.
Hebron, Mario W. Lazzaro, Jr., Edward P. Linder, Catherine A. Marrion, Corey B.
Multer, Linda M. Reimer and Irwin Silber as his true and lawful attorney-in-fact
and agent, each with full power of substitution and resubstitution for him in
his name, place and stead, to sign any and all registration statements or other
filings made with the Securities and Exchange Commission or any state regulatory
agency or authority applicable to New York Life Insurance and Annuity
Corporation MFA Separate Account - II (File Number 002-86084) and any amendments
or supplements thereto, and withdrawals thereof, and to file the same, with all
exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission or any state regulatory agency or authority
granting unto said attorney-in-fact and agent full power and authority to do and
perform each and every act and thing requisite and necessary to be done, as
fully to all intents and purposes as he might or could do in person in his
capacity as a Director or officer of New York Life Insurance and Annuity
Corporation, hereby ratifying and confirming all that said attorney-in-fact and
agent, or his substitute or substitutes, may lawfully do or cause to be done by
virtue hereof.

     These Powers of Attorney may be signed in one or more counterparts, each of
which shall be deemed an original, but all of which together shall constitute
one and the same document.



----------------------------------          -----------------------------------
       Scott L. Berlin                                  John R. Meyer



/s/ Christopher O. Blunt
----------------------------------          -----------------------------------
      Christopher O. Blunt                          Angelo J. Scialabba



----------------------------------          -----------------------------------
       Frank M. Boccio                                Arthur H. Seter



----------------------------------          -----------------------------------
        Solomon Goldfinger                            Michael E. Sproule



----------------------------------          -----------------------------------
       Theodore A. Mathas                            Joel M. Steinberg



                                            -----------------------------------
                                                      Seymour Sternberg




                                                     Dated: March 25, 2008