Lifetime Variable Select

Growth & Income

The fund seeks a favorable long-term total return through both capital appreciation and investment income, primarily from income-producing equity securities.

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

Unit value as of 10/10/2008: $19.85
Total return year-to-date as of 10/10/2008: -36.05%
Net invested assets as of 03/31/2008: $13.69 million
Expense charge*: 0.84%
Inception date: 04/03/2000
Investment class: U.S. Equity

Performance Comparison
	Performance Data as of 10/10/2008			Average Annual Total Returns as of 09/30/2008
	Unit Value	Net Change	YTD Return	1 Year	3 Year	5 Year	10 Year	Since Inception^¡
Growth & Income	$19.85	-0.75%	-36.05%	-17.99%	4.31%	7.42%	--	-0.90%
Standard & Poor's 500® Index^†	--	-1.17%	-37.71%	-21.98%	0.22%	5.16%	--	-1.29%

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 S&P 500® Index is a market capitalization-weighted index of 500 leading companies in leading industries of the U.S. economy. You cannot invest directly in this index. S&P 500 is a registered trademark and service mark of the McGraw-Hill Companies.

*	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 1.43%. 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. TIAA (Teachers Insurance and Annuity Association) New York, NY issues after-tax annuities. Investment products are not FDIC insured, may lose value, and are not bank guaranteed.

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