In Retirement

Harold C.
Harold is in his late sixties and has been retired for three years. He is in excellent health, and is looking forward to a long retirement – especially since his 99-year-old mother is still going strong.

His Goals
Harold is worried that, if he lives a long life like his mother, his savings will run out. His goal is two-fold: first, to make sure he doesn't outlive his nest egg; and second, to not give up access to all his money so he has assets to pay for things like vacations or unexpected medical bills.

His Annuity
Harold purchased an immediate annuity with a portion of his nest egg that will allow him to:

Create a lifetime¹ income as a supplement to his Social Security and pension income
Help him cover his basic needs for life
Use his remaining assets for cash to pay for large planned and unplanned expenses and possibly to create another income stream when he's older

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.

Lifetime Income vs. Withdrawals from Savings

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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