Personal Annuity Select Fixed Account

The Personal Annuity Select Fixed Account is offered by TIAA-CREF Life Insurance Company as a tax-deferred account for after-tax investing. It provides a highly competitive fixed rate of return, plus the opportunity for additional interest from earnings over and above the amounts needed to meet contractual guarantees. The account guarantees your principal and a minimum interest rate during the accumulation period, backed by TIAA-CREF Life's claims-paying ability. Contracts issued prior to 03/01/2004 have a guaranteed minimum interest rate of 3%. Contracts issued after 02/29/2004 have a lower guaranteed minimum interest rate which varies by state of issue. Please call 1 800 223-1200 for the guaranteed minimum in your state.

Personal Annuity Select Fixed Account
	For premiums applied and earnings from those premiums
	(effective through 04/30/2010)
Interest Rates^*
Personal Annuity Fixed Account**	View Rates (PDF)

*	The Personal Annuity Select Fixed Account provides the opportunity for additional interest on top of a guaranteed minimum. Additional interest comes from earnings over and above the amounts needed to meet contractual guarantees. These rates do not apply to accumulations in the variable components of the annuity.
**	Current effective annual rate credited on new fixed account premiums. This rate is subject to change.

TIAA-CREF Life Insurance Company (TIAA-CREF Life), 730 Third Avenue, New York, NY 10017 issues Personal Annuity Select annuities

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