Prospectuses and Product Disclosures

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Retirement Plan Variable Annuities

Retirement Plan Variable Annuities

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• CREF Accounts	Prospectus		SAI	Annual Report	Semiannual Report
• TIAA Real Estate Account	Prospectus		-	-	-

TIAA-CREF Funds

TIAA-CREF Funds

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
Equities
• Enhanced International Equity Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Enhanced Large-Cap Growth Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Enhanced Large-Cap Value Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Equity Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Growth & Income   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• International Equity   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• International Equity Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Large-Cap Growth   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Large-Cap Growth Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Large-Cap Value   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Large-Cap Value Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Mid-Cap Growth   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Mid-Cap Value   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Real Estate Securities   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• S&P 500 Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Small-Cap Blend Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Small-Cap Equity   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Social Choice Equity   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
Fixed Income
• Bond   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Bond Index   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Bond Plus   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• High-Yield   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Inflation-Linked Bond   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Short-Term Bond   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Tax-Exempt Bond   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
Money Market
• Money Market   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
Multi-Asset
• Managed Allocation   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report

TIAA-CREF Lifecycle Funds

TIAA-CREF Lifecycle Funds

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Lifecycle 2010   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2015   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2020   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2025   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2030   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2035   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2040   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2045   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle 2050   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Retirement Income   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report

TIAA-CREF Lifecycle Index Funds

TIAA-CREF Lifecycle Index Funds

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Lifecycle Index 2010   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2015   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2020   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2025   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2030   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2035   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2040   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2045   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index 2050   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Lifecycle Index Retirement Income   Share Class Information	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report

TIAA-CREF Life Funds

TIAA-CREF Life Funds

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Growth & Income	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Growth Equity	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• International Equity	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Large-Cap Value	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Real Estate Securities	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Small-Cap Equity	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Social Choice Equity	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Stock Index	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Bond	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report
• Money Market	Summary Prospectus	Statutory Prospectus	SAI	Annual Report	Semiannual Report

Variable Products Funds for Intelligent Life and Intelligent Variable Annuity

Variable Products Funds for Intelligent Life and Intelligent Variable Annuity

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Variable Product Funds	Prospectus		-	Annual Report	Semiannual Report

After-Tax Annuities

After-Tax Annuities

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Intelligent Variable Annuity	Prospectus		SAI	-	-
• Investment Horizon Annuity	Prospectus		-	-	-
• Lifetime Variable Select	Prospectus		-	-	-
• Personal Annuity Select	Prospectus		-	-	-
• Single Premium Immediate Annuity	Prospectus		SAI	-	-
• Teachers Personal Annuity/ (TIAA Separate Account VA-1)	Prospectus		SAI	Annual Report	Semiannual Report

Life Insurance

Life Insurance

Fund Name	Prospectus		Statement of Additional Information	Shareholder Report
• Flexible Premium Variable Universal Life	Prospectus		-	-	-
• Intelligent Life Variable Universal Life	Prospectus		SAI	-	-
• Intelligent Life Survivorship Variable Universal Life Insurance	Prospectus		SAI	-	-

Agreements and Disclosure Statements

Agreements and Disclosure Statements

Retirement Plans
• Individual 403(b) Custodial Agreement	PDF
IRAs
• Investment Solutions IRA Custodial Agreement & Disclosure Statement	PDF
• Investment Solutions IRA Adoption Agreement	PDF
• Mutual Funds IRA Disclosure Statement	PDF
• Investment Solutions Self-Directed Brokerage Customer Account Agreement	PDF
• Federal Register: TIAA Real Estate Account	PDF
Mutual Funds
• Coverdell Education Savings Account - Disclosure Statement and Custodial Agreement	PDF