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How we operate

Browse our governance documents. While you’re at it, view our committee charters or read our code of ethics. Our compensation practices are also here for your reference.

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Annual reports & statements

View our full CREF, TIAA and TIAA-CREF annual reports, funds and account information, as well as our financials and proxy information.

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Ratings agency reports

TIAA and TIAA Life are one of only 3 insurance groups to hold the highest possible ratings from 3 of the 4 top ratings agencies1.  Find our latest ratings agency reports below.

Fitch Ratings rates TIAA AAA

Moody’s Investor Services rates TIAA Aa1

Standard & Poor’s rates TIAA AA+

A.M. Best rates TIAA A++*

*The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.

*Best's Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the AM Best web site, www.ambest.com .
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1 For stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) and TIAA-CREF Life Insurance Company (TIAA Life) are one of only three insurance groups in the United States to currently hold the highest possible rating from three of the four leading insurance company rating agencies: A.M. Best (A++ rating affirmed as of July 28, 2021), Fitch (AAA rating affirmed as of November 4, 2021) and Standard & Poor's (AA+ rating affirmed as of September, 16, 2021) and the second highest possible rating from Moody’s Investors Service (Aa1 rating affirmed as of May 16, 2021).  There is no guarantee that current ratings will be maintained. Ratings represent a company’s ability to meet policyholders’ obligations and do not apply to any product or service not fully backed by the issuer’s claims-paying ability.  The ratings do not apply to the safety or the performance of the variable accounts, which will fluctuate in value.
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