30-Year Level Term Life Insurance

Who Can Apply

U.S. residents between the ages of 20 and 64

The maximum issue age for male smokers is 52. Other Level Term plan(s) are available up to age 75.

How Much You Can Buy

How Long You Are Covered

How Your Premiums Work

Premiums guaranteed to be level for 30 years, or if earlier, until age 85.

After the level premium period, premiums increase annually to age 95.

Discounts are available for higher face amounts.

Convenient Payment Options

Other Options

Convert to permanent insurance

Convert to an available TIAA-CREF Life life insurance policy before you turn age 80.

Take advantage of the Living Choices^® benefit

This accelerated death benefit makes it easier to deal with the financial burdens a terminal illness can bring by allowing you access to the death benefit early. Receipt of the accelerated death benefits may be taxable and may also affect eligibility for public assistance programs. This benefit automatically comes with your policy, but some restrictions apply. Please call us for details. Not available in all states.

Take your policy with you

Unlike many group life insurance policies, your policy won't be canceled if you change jobs, change your field of employment or cancel an association membership.

Optional Benefits You Can Buy

Waiver of premium rider

(Rider form series TCLWAIVER.3)

Available at issue ages
20 - 60. If you become totally disabled before age 65, we will waive your premiums for the duration of your disability. Some restrictions may apply — please call us for details.

Institutional Charitable Benefit Rider

(Rider form series TCL-CHAREDUC.1)

This rider, which must be elected before the issue date of the policy, pays a supplemental death benefit - over and above the base policy death benefit - of 1% of the face amount.  The beneficiary must be a qualified institution of higher learning, or a scientific or medical research institute.

Objective Guidance
and
No-Obligation Quotes

Get more information, objective guidance and no-obligation quotes by calling one of our planning consultants at
1 877 276-9429.

Our consultants are experienced, knowledgeable professionals who can help you assess your needs and answer your questions. Our consultants receive no sales commissions as part of their total compensation. They are compensated through a salary plus incentive program that rewards client service excellence rather than product promotion.