NYL Benefit Services has introduced a bundled defined benefit product that allows plan sponsors to fully outsource the administration and investment management of their pension plan. The product, DB Complete, caters to plans with $5 million or more under management. It features a voice response system and participant service center which allow 24-hour access to plan information and real-time benefits modeling tools. It also offers statements on request. And NYL plans to introduce Internet access to plans covered under DB Complete in 1997.