Frequently Asked Questions About Life Insurance

We make it easy by providing the tools you need to decide which life insurance is right for you. Learn about the life insurance choices available to you. Or, if you want complimentary and personalized advice from one of our Insurance Representatives schedule a call back or call us at 877 276-9429. There’s never any obligation or pressure to buy.

Depending on your needs, both you and your spouse or partner should have coverage equal to six to ten times your annual incomes to help pay for final bills and daily living expenses should something happen. Learn how much coverage you may need with our needs tool. Need more help? Call 877 276-9429 to speak with one of our Insurance Representatives.

We work hard to keep our insurance premiums affordable. Get a preliminary quote for one of our low cost life insurance policies. There’s never any obligation or pressure to buy. Or, if you want complimentary and personalized advice from one of our Insurance Representatives call us at 877 276-9429.

As life events occur, like getting married, buying a new home or having a new child, your financial obligations increase and so does your need for life insurance. Learn how much you may need. Then get a preliminary life insurance quote or, if you want complimentary and personalized advice from one of our Insurance Representatives call 877 276-9429. There’s never any obligation or pressure to buy.

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

That means you can trust that we’ll be here to pay your claims.

Learn more about our strong ratings and why you can trust us to help you protect what matters most.

¹ TIAA-CREF Life Insurance Company (TIAA-CREF Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA). TIAA-CREF Life holds the following ratings as a result of its relationship with TIAA: A.M. Best (A++ as of 2/11), Fitch (AAA as of 6/11), Moody’s Investors Service (Aaa as of 6/11) and Standard & Poor’s (AA+ as of 8/11). 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). There is no guarantee that current ratings will be maintained. 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.

When you apply you’ll be asked to participate in a health assessment before coverage can take effect. This will include answering a few health questions and taking a medical exam. The exam is free and performed at your convenience and the place of your choice. To learn more, just click here, or call our Insurance Representatives at 877 276-9429.