Who We Are
Who We Are
TIAA-CREF is a Fortune 100 financial services company and a leading provider of retirement benefits nationwide.
Today, financial security is an urgent national concern, and individuals and institutions looking for a trusted partner increasingly rely on TIAA-CREF for a unique combination of advantages:
- Long-term investment performance.1
- An insurance company affiliate that holds the highest ratings currently awarded from all four leading independent insurance industry ratings agencies.2
- Prudent risk management, diversified investment options, personalized, objective advice, and guaranteed lifetime income3 — all at some of the most competitive fees in the industry4.
1 Past performance cannot guarantee future results.
2 For its stability, claims-paying ability and overall financial strength, TIAA currently holds the following ratings: A.M. Best (A++ as of 7/11), Fitch (AAA as of 2/12), Moody's Investors Service (Aaa as of 12/11) and Standard & Poor's (AA+ as of 8/11). Per S&P criteria, the downgrade of US long-term government debt limits the highest rating of U.S. insurers to AA+ (the second highest rating available).There is no guarantee that current ratings will be maintained. Ratings represent a company’s ability to meet policyholders’ obligations and claims and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability.
3 Guarantees are based on the claims-paying ability of TIAA. This applies to annuity products only. Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts [and mutual funds] are not guaranteed and will rise or fall based on investment performance.
4 The expense ratio on all mutual fund products and Variable Annuity Accounts managed by TIAA-CREF are generally less than half the mutual fund industry average. Source: Morningstar Direct (12/31/10), based on Morningstar expense comparisons by category.
TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit each product's respective information page on www.tiaa-cref.org for details.
Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.
