Understanding how life insurance helps you keep your promises is simple.
Read on to learn some of the basics.
Insurance is one of life's necessities. It reimburses people for covered losses in the event of an unforeseen event. In the case of life insurance, the event is a death. Life insurance helps reduce the threat of financial loss caused by the death of a loved one by pooling the risks of many individuals and reassigning that risk to an insurance company in exchange for a price (known as a premium). Insurance companies combine the premiums into a fund that's used to pay for covered losses.
What does this mean to you? By purchasing life insurance from TIAA-CREF Life Insurance Company (TIAA-CREF Life) and making required premium payments for the duration of the policy, and otherwise satisfying its terms, you can help protect the promises you’ve made and the financial future of your loved ones, even in the event of your passing.
When you purchase life insurance, you’re not just making a promise to your family and their future; you’re relying on your insurance company to help you keep that promise by being there to process and pay your claim.1
Our Life Insurance Representatives provide guidance focused on your needs, and never pressure you to buy.
Whether you’re looking for reliable guidance, need to file a claim or request a change in your policy, you'll want your inquiries handled quickly, courteously and professionally. You'll also want to make sure that it is easy and convenient to contact the company.
The cost of life insurance can vary widely among companies. At TIAA-CREF Life our life insurance policies are affordably priced so you can find coverage that best fits your unique needs and budget. In fact, some of our policies automatically apply premium discounts of up to 72% for coverage amounts of $250,000 or more.
TIAA-CREF Life Insurance Company (TIAA-CREF Life) is one of only three insurance groups in the U.S. to hold the highest ratings for financial strength currently awarded by three of the four leading independent insurance industry ratings agencies.2
We've spoken with other people just like you in order to learn more about their personal experiences with life insurance. Take a look at their video testimonials to hear their stories.
Understanding your life insurance needs and how they can change over time doesn't have to be complex. If you have questions or if you'd simply like to learn more about how TIAA-CREF Life Insurance Company can help you keep the promises you’ve made to your loved ones, our TIAA-CREF Life Insurance Representatives are happy to help. Call us weekdays at 877 276-9429 or click here to
Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. For full details, including costs, call us at 877 276-9429.
1The death benefit is a guarantee subject to the claims-paying ability of TIAA-CREF Life Insurance Company.
2TIAA-CREF Life Insurance Company is a member of one of only three insurance groups in the United States to hold the highest possible rating from three of the four leading, independent insurance company rating agencies: TIAA-CREF Life Insurance Company (TIAA-CREF Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA). TIAA-CREF Life holds the following ratings as a result of its relationship with TIAA: A.M. Best (A++ as of 9/14), Fitch (AAA as of 10/14), and Standard & Poor's (AA+ as of 10/14). It holds the second highest possible rating from Moody’s Investors Service (Aa1 as of 10/14). Per S&P criteria, the downgrade of U.S. 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-CREF Life’s claims-paying ability.
TIAA-CREF Life and TIAA are each solely responsible for their own financial condition and contractual obligations.
Weekdays, 8 a.m. – 6 p.m. (ET)
800 223-1200, option #2
Weekdays, 8 a.m. – 5 p.m. (ET)