Take advantage of a tax-free 1035 exchange

You can exchange your non-qualified annuity from another insurance company to a TIAA-CREF Life Insurance Company (TIAA-CREF Life) non-qualified annuity.* When considering this move, you’ll want to compare the following:

  • Product features (such as a death benefit)
  • Costs
  • Guaranteed interest rates and/or choice of investments
  • Surrender charges
  • Financial strength of carrier

*There may be tax consequences associated with the transfer of assets and an exchange may not always be your best option. Consult with your advisor regarding your particular situation.

Why fees matter

When comparing variable deferred annuities, you'll see that fees can vary widely. Keep in mind that the less you pay in annuity fees, the more you'll potentially have to turn into retirement income. Please keep in mind that lower expenses do not necessarily result in higher returns.

Potential cost savings from a low-cost annuity

This hypothetical illustration shows you how a low-cost annuity can have a substantial impact on the amount of your savings can grow over a 25-year period.

Potential cost savings from a low-cost annuity

This is a hypothetical example. It is for illustrative purposes only and is not intended to predict or project investment results/future values. Actual returns will vary.

Please keep in mind that there are risks associated with investing in securities including loss of principal.

To learn more about how non-qualified annuities from TIAA-CREF Life Insurance Company may fit in your retirement plan, speak with one of our Annuity Representatives today. Call 877 554-8282 now.

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5-Year Fixed Term* Deposit Rate

1.25% as of 10/01/2015

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

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