Stock Index

The fund seeks a favorable long-term total return, mainly from capital appreciation, by investing primarily in a portfolio of equity securities selected to track the overall U.S. equity markets.

Click here to download the individual values represented in this graph by using our Download Data facility.

Unit value as of 11/20/2009: $28.62
Total return year-to-date as of 11/20/2009: 23.78%
Net invested assets as of 09/30/2009: $102.86 million
Expense charge*: 0.66%
Inception date: 01/04/1999
Investment class: U.S. Equity

Performance Comparison
	Performance Data as of 11/20/2009			Average Annual Total Returns as of 10/31/2009
	Unit Value	Net Change	YTD Return	1 Year	3 Year	5 Year	10 Year	Since Inception^¡
Stock Index	$28.62	-0.31%	23.78%	10.25%	-7.42%	0.15%	-0.62%	0.39%
Russell 3000® Index^†	--	-0.32%	24.42%	10.83%	-6.98%	0.71%	-0.14%	0.82%

The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your accumulation units, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above.

From November 30, 2007 on, the since inception performance shown is computed from the inception date of the account (the date on which the account became publicly available). Previously, since inception performance for this account was computed from the net asset value per share on the day prior to the inception date.

†

The Russell 3000® Index measures the performance of the stocks of the 3,000 largest publicly traded U.S. companies, based on market capitalization, and it measures the performance of about 98% of the total market capitalization of the publicly traded U.S. equity market. You cannot invest directly in this index. Russell 3000 is a trademark and service mark of the Frank Russell Company. TIAA-CREF products are not promoted or sponsored by, or affiliated with, the Frank Russell Company. You cannot invest directly in this index.

*	Includes both separate account and fund level charges. A portion of the separate account charges has been waived. The maximum total annual expense charge without the waiver is 1.26%. TIAA-CREF Life will provide at least 3 months notice before it raises these charges.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please click here or call 1 877 518-9161 for a prospectus that contains this and other information. Please read the prospectus carefully before investing. Personal Annuity Select is issued by TIAA-CREF Life Insurance Company, New York, NY. Investment products are not FDIC insured, may lose value, and are not bank guaranteed.

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