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As you are shopping for an annuity, be sure to consider the following:

  • Annual fees and expenses
  • Guaranteed1 interest rates and terms
  • Investment choices and fund expenses
  • Performance2
  • Surrender fees
  • Product features (i.e. death benefits) and their costs
  • Issuing company stability and ratings

 Please keep in mind the annuities are designed for retirement and other long term goals. When you contribute to an annuity, your money must remain in it until you reach 59½. If you make a withdrawal before then, the money will be taxed as ordinary income and you may be subject to an additional 10% early withdrawal penalty. Furthermore, if you choose to invest in the variable investment products, your money will be subject to the risks inherent in investing in securities.


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5-Year Fixed Term* Deposit Rate

1.20% as of 02/01/2016

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

Exchange Your Annuity

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

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