|
|
Level Term |
Annual Renewable Term
Intelligent Life Universal Life Insurance |
Universal Life Insurance
Survivorship Universal Life Insurance |
Intelligent Life Variable Universal Life Insurance
Variable Universal Life Insurance |
Survivorship Variable Universal Life Insurance
About TIAA-CREF Life |
AAA Ratings
Please call us at 1 866 966-5623 in order to check on the state
availability for each product.
Level Term
|
| • |
Competitive rates guaranteed to stay level for the earlier of the level term period selected, or to age 85
(age 80 in New York and Washington) |
| • |
Choice of 10-, 15-, 20- or 30-year coverage terms |
| • |
Convert to TIAA-CREF Life permanent life products available for conversion without evidence of insurability * |
| • |
Waiver of Premium Rider 1 |
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
|
|
Annual Renewable Term
|
| • |
Competitive rates issued through age 80 (age 70 in New York) |
| • |
Convert to TIAA-CREF Life permanent life products available for conversion without evidence of insurability * |
| • |
Waiver of Premium Rider 1 |
| • |
Cost of Living Rider |
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
|
|
* The Owner may convert all or part of this Policy prior to age 80 (age 65 in New York) to any permanent life insurance policy,
which we will make available for conversion at the time of conversion on the life of the Insured. Evidence of insurability will
not be required.
Intelligent Life Universal Life Insurance
|
| • |
Cost of Insurance rates that mirror our annual renewable term, 10-year level term, or 20-year level term insurance rates. Renewal of
level rate options is subject to age restrictions and evidence of insurability. |
| • |
Choice of three death benefit options |
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
| • |
Waiver of Monthly Charges Rider 1 |
|
|
Universal Life Insurance
|
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
| • |
Four-Year Level Term Insurance Rider 1 |
| • |
Waiver of Monthly Deduction Rider 1 |
| • |
Automatic Increase Rider 1 |
|
|
Survivorship Universal Life Insurance
|
| • |
Policy Split Option |
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
| • |
Four-Year Level Term Insurance Rider 1 |
| • |
Automatic Increase Rider 1 |
|
Intelligent Life Variable Universal Life Insurance
|
| • |
Choice of one fixed and over 40 variable accounts |
| • |
Cost of Insurance rates that mirror annual renewable term insurance, 10-year term, or 20-year term. Renewal
of level rate options is subject to age restrictions and evidence of insurability |
| • |
Choice of three death benefit options |
| • |
LivingChoices Benefit (Accelerated death benefit 2)1 |
| • |
Waiver of monthly charges rider1 |
| • |
Institutional Charitable Benefit Rider |
|
|
Variable Universal Life Insurance
|
| • |
LivingChoices Benefit (Accelerated death benefit 2) |
| • |
Waiver of Monthly Charges Rider 1 |
| • |
Four-Year Level Term Insurance Rider 1 |
| • |
Automatic Increase Rider 1 |
| • |
Guaranteed Minimum Death Benefit Rider at an additional cost 1 |
| • |
Choice of one fixed and five variable accounts |
|
|
Survivorship Variable Universal Life Insurance
|
| • |
Policy Split Option |
| • |
Living Choices Benefit (Accelerated death benefit 2) |
| • |
Four-Year Level Term Insurance Rider 1 |
| • |
Automatic Increase Rider 1 |
| • |
Guaranteed Minimum Death Benefit Rider 1 |
| • |
Single Life Level Term Insurance Rider 1 |
| • |
Choice of one fixed and five variable accounts |
|
|
1 At an additional cost
2 Not available in some states. Receipt of the accelerated death benefits may be taxable and may also affect
eligibility for public assistance programs.
About TIAA-CREF Life
TIAA-CREF Life is part of the TIAA-CREF group of companies, which is recognized as one of the
nation’s premier financial services institutions.
For more than 85 years, the TIAA-CREF group of companies has earned a reputation for high-quality, competitive financial products, and
for its responsive service, financial stability, and professional integrity.
TIAA-CREF Life was established to further these traditions by offering a portfolio of competitive priced,
quality insurance products to help meet the needs of a wide range of customers.
AAA Ratings
TIAA-CREF Life Insurance Company (TIAA-CREF Life) has received the highest
possible ratings from A.M. Best Co., Standard & Poor's, Fitch, and Moody's Investors Services as a result of
its relationship with its parent company, Teachers Insurance and Annuity Association (TIAA). Dates of
ratings are as follows: Standard & Poor's, 06/2005; Fitch Ratings, 03/2006; Moody's Investors Service,
04/2005; A.M. Best Company, 06/2005.
Like most insurance policies, TIAA-CREF Life's policies contain exclusions, limitations, reductions of
benefits and terms for keeping them in force. Please call us at 866 966-5623
for more information -- our representatives can provide you with costs and complete details.
There are inherent risks associated with investing in securities. Investment products are not FDIC insured; may
lose value and are not bank guaranteed. TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal
Investors Services, Inc., distribute securities products. You should consider the investment objectives, risks,
charges and expenses carefully before investing. Please click on the prospectus link below for a prospectus
that contains this and other information. Please read the prospectus carefully before investing.
|
|
|
|
|
