Your Annuity Needs

At this stage, you may have 15-20 years until retirement. Perhaps you’re contributing to your existing 401(k)s and IRAs at the maximum amounts. You need another long-term, tax-deferred investment to complete your investment portfolio.

Consider a deferred annuity with variable investment options — in exchange for some risk, these offer the potential for larger returns.¹

The Intelligent Variable Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) could be right for you. Visit our Intelligent Variable Annuity page to learn more, or download the Intelligent Variable Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

¹ There are always inherent risks associated with investing in securities. As with all securities, your accumulations can increase or decrease depending on how well the underlying investments perform over time.

At this stage, you may have 10-15 years until retirement. Since you already contribute the maximum amounts to your existing 401(k)s and IRAs, another long-term, tax-deferred investment could help complete your investment portfolio.

Because you’re not planning to retire immediately, you should consider a deferred annuity. Since your investments are intended for a longer term, you may want to seek something with variable investment options; an annuity like this offers the potential for larger returns in exchange for some risk.²

The TIAA-CREF Life Intelligent Variable Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) could be right for you. Visit our Intelligent Variable Annuity page to learn more, or download the TIAA-CREF Intelligent Variable Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

² There are always inherent risks associated with investing in securities. As with all securities, your accumulations can increase or decrease depending on how well the underlying investments perform over time.

At this stage, you may have 5-10 years until retirement. Since you’re already contributing the maximum amounts to your existing 401(k)s and IRAs, an annuity could be a good addition to your investment portfolio. With the right annuity, you’ll have the ability to make virtually unlimited contributions³, keeping your retirement saving completely in your control.

Because you’re not planning to retire immediately, consider a deferred annuity. But, since you are nearing retirement age you may want an annuity with a fixed investment.

The TIAA-CREF Investment Horizon Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) could be right for you. Visit our TIAA-CREF Intelligent Horizon Annuity page to learn more, or download the Intelligent Variable Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

³ The issuing insurance company may reserve the right to limit annual contributions.

Now that you’re retired, you need to be comfortable with your income strategy. If you’re concerned that you might outlive your retirement savings, a deferred annuity that will guarantee income for as long as you live may be the right move for you.

The Intelligent Variable Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) might be right for you. Visit our TIAA-CREF Intelligent Variable Annuity page to learn more, or download the TIAA-CREF Intelligent Variable Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

Now that you’re retired, you’d like to have ready access to your investments, without the risk of overspending and exhausting your assets too early.

An immediate annuity that guarantees lifetime income could be the best option for you.⁴

The Single Premium Immediate Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) could be right for you. Visit our Single Premium Immediate Annuity page to learn more, or download the Single Premium Immediate Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

⁴ All lifetime guarantees are subject to the issuing insurance company’s claims paying ability.

After being retired for some time, you may realize that your healthcare expenses are a bigger burden than you’d planned. This is a good time to invest in an annuity that can turn a lump sum of money into guaranteed lifetime income you might put to use for healthcare expenses.

An immediate annuity that guarantees lifetime income could be the best option for you.⁵

The Single Premium Immediate Annuity from TIAA-CREF Life Insurance Company (TIAA-CREF Life) could be right for you. Visit our Single Premium Immediate Annuity page to learn more, or download the Single Premium Immediate Annuity brochure (PDF) and read the prospectus.

Then, find out if this type of annuity is available where you live.

⁵ All lifetime guarantees are subject to the issuing insurance company’s claims paying ability.