At TIAA-CREF Life Insurance Company (TIAA-CREF Life), a wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA), we’ve always been committed to helping investors live the life they want in retirement.

The TIAA-CREF Life Difference

• Competitive interest rates and high ratings
  The guaranteed interest rates in TIAA-CREF Investment Horizon Annuity¹ and Single Premium Income Annuities are backed by TIAA-CREF Life, a company with the highest possible ratings from the four leading insurance rating agencies. These ratings are based upon TIAA-CREF Life's relationship with its parent, TIAA.
  

• Low fees and no surrender charges
  Our variable deferred annuity, Intelligent Variable Annuity, offers low annuity fees² and no surrender charges so that more of your money can go to accumulating for your retirement.
  
  
• Breadth of investment options
  Our Intelligent Variable Annuity offers 47 investments choices, so you can manage your annuity according to your unique investment style, time horizon and tolerance for risk. Please keep in mind that there are risks associated with investing in securities including loss of principal.
  
  
• Performance
  View our rates and performance.
  
  
• IMSA Membership
  We are a proud member of the Insurance Marketplace Standards Association (IMSA). Why is that important?

¹ Not available in all states.

² TIAA-CREF Life's Intelligent Variable Annuity's maximum annual annuity expense charge ranges from 0.45% to 0.70%. If the GMDB is selected, the maximum expense charge ranges from 0.55% to 0.80%. According to Morningstar, the average annual annuity expense charge is 1.34% for all variable annuity subaccounts in Morningstar Direct as of 10/24/2008. © 2008 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

The TIAA-CREF Investment Horizon Annuity (contract form series TCL-MVA1), Intelligent Variable Annuity (contract form series TCL-VA2) and Single Premium Immediate Annuities (contract form series TCL-1009, TCL-1033, TCL-901) are issued by TIAA-CREF Life Insurance Company (TIAA-CREF Life), 730 Third Ave., New York, NY 10017.