Why Choose TIAA-CREF Life Insurance Company?

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Annuities Why Choose - One

We offer personalized, one-on-one guidance.

TIAA-CREF Life Annuity Representatives provide guidance that is focused on your needs alone, and they will never pressure you to buy.

Annuities Why Choose - Two

We have a history of high ratings and financial strength and stability.

TIAA-CREF Life Insurance Company is one of only three insurance groups in the U.S. to hold the highest ratings from all four leading independent insurance industry ratings agencies.1

Read about our financial strength ratings: A++ A.M. Best Company (PDF), AAA Fitch (PDF), Aaa Moody’s Investors Service (PDF), AA+ Standard & Poor’s (PDF)

Annuities Why Choose - Three

Our variable annuity expenses are among the lowest in the industry.2

Low expenses and no sales charges not only make our products more affordable, but they also put more of your money to work toward achieving your retirement goals. Also, there are no fees to transfer your income to other investment choices as your financial needs change.

Annuities Why Choose - Four

We’ve helped protect what matters most for more than 90 years.

TIAA-CREF Life is a wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA), and a part of TIAA-CREF Group of companies. TIAA-CREF is a full-service financial services organization that has dedicated itself to helping those in the academic, medical, cultural and research fields for more than 90 years.


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To learn more about how TIAA-CREF Life can help you with your retirement, call an Annuity Representative at 877 554-8282 now. Or,

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1 TIAA-CREF Life Insurance Company (TIAA-CREF Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA). TIAA-CREF Life’s ratings are provided as a result of its relationship with TIAA: A.M. Best (A++ as of 7/11), Fitch (AAA as of 2/12), Moody’s Investors Service (Aaa as of 12/11) and Standard & Poor’s (AA+ as of 8/11). There is no guarantee that current ratings will be maintained. Per S&P criteria, the downgrade of U.S. long-term government debt limits the highest rating of U.S. insurers to AA+ (the second-highest rating available). Ratings represent a company’s ability to meet policyholders’ obligations and claims and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA–CREF Life’s claims-paying ability.

2 TIAA-CREF Life’s Intelligent Variable Annuity’s maximum annuity expense charge ranges from 0.45% to 0.70%. If the Guaranteed Minimum Death Benefit option is selected, the maximum expense charge ranges from 0.55% to 0.80%. TIAA-CREF Life’s Single Premium Immediate Annuities total contract separate account charges are 0.60% (guaranteed maximum charges 1.20%). According to Morningstar, the average annuity expense charge is 1.30% for all non-group variable annuity policies in Morningstar Direct as of 11/30/2011. ©Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. 

Please keep in mind that annuities are designed for retirement and other long-term goals. If you choose to invest in the variable investment products, your money will be subject to the risks associated with investing in securities, including loss of principal.

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5-Year Fixed Term* Deposit Rate


as of 8/01/2012

Fixed term rates, performance and disclosure.


*TIAA-CREF Investment Horizon Annuity. Not available in all states. Read the prospectus (PDF) carefully before investing.

Exchange Your Annuity

Learn whether exchanging your non-qualified annuity to a TIAA-CREF Life non-qualified annuity is right for you.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

All solicitations pertaining to a contract for annuities may only be handles by an agent or broker licensed to engage in the business of annuities in the state in which you reside.

Non-qualified annuities are issued by TIAA-CREF Life Insurance Company, 730 Third Avenue, New York, NY 10017. TIAA-CREF Individual & Institutional Services, LLC, member FINRA distributes securities products. Intelligent Variable Annuity, contract form series TCL-VA2, TIAA-CREF Investment Horizon Annuity, contract form series TCL -MVA 1, and Single Premium Immediate Annuity, contract form series TCL-1009, TCL-1033, TCL-901 are issued by TIAA-CREF Life Insurance Company, 730 Third Avenue, New York, NY 10017. Not available in all states. Some products may not be available in all states.

© 2014 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017