Genesys Cloud vs NY Life Insurance SDE intern summer 2024

Posting on behalf of a friend. ****** Hi, I am an international student pursuing my masters in united states. I recently got 2 offers for summer intern 2024 from Genesys cloud and New york life insurance. Both companies offers decent hourly pay(~40 usd per hr) with no big difference. But genesys is fully remote ( Living in LCOL area ) and NY Life work location is NYC for the internship role. So, I am a bit confused here as to which of these opportunities will more likely lead to a full-time position. If anyone who has previously interned at either of the companies can give some insights on WLB, Pay ranges for full time position, work environment etc. it would greatly help in making a good choice. Also, I have 4yrs of work experience back in india. Now, after my internship, will they consider my exp or will I be considered for fresher role? Any suggestions that can help me choose thr better opportunity not only considering internship but also full time will be of great help! Thank you!! ****** my TC: 120k