A low-cost1 variable deferred annuity that can help you catch up on your retirement savings.

  • Tax-deferred earnings

  • Pay no taxes on your earnings until you begin withdrawing2 your money - a clear advantage over taxable savings vehicles.
  • Low annual annuity expense charge

  • With our low annual annuity charges that decrease after ten years, you can keep more of your money where it belongs - growing for your retirement. Learn more about our low expenses (PDF).

This product may be right for you if you are concerned about:

  • Doing all you can to save for retirement beyond workplace plans and IRAs
  • Paying taxes on your earnings while you are still saving
  • Outliving your retirement savings

Download the Intelligent Variable Annuity brochure  (PDF).

Read the Prospectus .

  • Investment options
    Having a wide variety of investment choices to match your investing style is important. The Intelligent Variable Annuity offers more than 50 choices from 15 investment management firms
    • Calamos
    • Columbia Wanger Funds
    • Credit Suisse Trust
    • Delaware Investments
    • Dimensional
    • Franklin Templeton Investments
    • ING
    • Janus Capital Management
    • Jennison Associates
    • Legg Mason
    • Matson Money
    • MFS Investment Management
    • Neuberger Berman
    • PIMCO
    • Principal Global Investors
    • T. Rowe Price
    • The Royce Funds
  • No surrender charges
    Our goal is to help you accrue as much money as possible, and so we have no surrender charges.
  • Virtually unlimited contributions
    Unlike IRAs and employer-sponsored retirement plans, there are virtually no contribution3 limits.
  • Non-mandatory withdrawals until age 90
    Keep assets accumulating tax deferred past typical 70½ deadline in retirement plans and IRAs.
  • A variety of distribution options (including lifetime4 income)
    An annuity is the only retirement product you can purchase that can offer guaranteed income for life. The Intelligent Variable Annuity's income options include:
    • Lifetime Income: Pays a level fixed income as long as you and/or your spouse live.
    • Fixed-Period Income: Pays a level fixed income for a fixed period, not less than two years or more than 30.
    • Lump sum: If you want your money all at once.

Keep in mind that there are always inherent risks associated with investing in securities. As with all securities, your accumulations can increase or decrease; depending on how well the underlying investments perform over time. TIAA-CREF does not guarantee the performance of the underlying investments.

Need Help?

Speak to an Annuity Representative

5-Year Fixed Term* Deposit Rate

1.25% as of 4/01/2014

Fixed term rates, performance and disclosure

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

Exchange Your Annuity

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

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