Understanding how life insurance helps you keep your promises is simple.

Read on to learn some of the basics.

The ABCs of life insurance

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.

Things to consider when choosing an insurance company

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.

Financial Strength
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

Curious about other people’s experiences with life insurance?

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

Schedule a call

Need Help?

To get information or apply for a new policy, speak with our Life Insurance Representatives at:

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Call us at
877 276-9429
Weekdays, 8 a.m. to 8 p.m. (ET)

Important Information Important Information

Customer service & claims

877 694-0305
Weekdays, 8 a.m. – 6 p.m. (ET)

Application status

800 223-1200, option #2
Weekdays, 8 a.m. – 5 p.m. (ET)

Frequently Asked Questions