Approaching retirement

Juan and Blanca R.
Juan and Blanca are in their early sixties and plan to retire in five years. They have maxed out contributions to their employer-sponsored savings plan and their IRAs, but are concerned that they haven’t saved enough for retirement. They are also concerned with their personal savings losing value in the market.

Their Goals
Juan and Blanca want to ensure that a large portion of the personal savings they’ve earmarked for retirement income will be there for them — regardless of market conditions.

Their Annuity
Juan and Blanca chose a deferred annuity with a guaranteed rate of return because it allows them:

Safety from market ups and downs
Tax-deferred growth
The option to turn assets into lifetime¹ income

Find the TIAA-CREF Life after-tax annuities that are available in your state.

Because each person's situation differs, you should seek advice from an independent tax advisor based on your own particular circumstances.

¹ All guarantees are based upon the issuer's claims paying ability.

After-tax annuities are issued by TIAA-CREF Life Insurance Company (TIAA-CREF Life), 730 Third Ave., New York, NY 10017.

1 877 554-8282
M-F 8 a.m. to 6 p.m. (ET)

Speak to a noncommissioned^† TIAA-CREF Life Insurance Company (TIAA-CREF Life) annuity specialist or request a call.

5-Year Fixed Term^*
Deposit Rate

3.00^%

as of
10/26/2009

Fixed term rates, performance and disclosure.

*TIAA-CREF Investment Horizon Annuity. Not available in all states. Read the prospectus (PDF) carefully before investing.

Exchange Your Annuity

Learn whether exchanging your after-tax annuity to a TIAA-CREF Life after-tax annuity is right for you.

^†Our consultants receive no commissions. They are compensated through a salary plus incentive program.

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