Products

Life Insurance

TIAA-CREF Life Insurance Company (TIAA Life) is no longer accepting new life insurance applications. Please check back at a later time for additional information as we are currently updating and revising our future life insurance product offerings. If you have a pending application or policy, we will continue to serve you. You may contact us at 877-276-9429 with any questions.
Get the basics

What is life insurance?

Similar to other types of insurance, a life insurance policy is a contract between an individual and an insurance company. By paying an insurance premium, the insurance company promises to pay your surviving beneficiary a sum of money in the event of you passing away while the policy is active. Life insurance proceeds can help provide money to pay off debts—like a mortgage, medical expenses, and student loans—or help replace your income for the people you care about most.
 
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Term life insurance vs. permanent life insurance

The difference between term and permanent life insurance is the length of coverage. Term life insurance is designed to offer coverage for a limited period of time, usually between 10-30 years. Permanent life insurance is designed to offer a lifetime of protection and can include some additional cash growth accumulation.
                                                           
 
*Generally, income tax free at the federal level: See IRC Section 101(a). Some states may tax insurance proceeds. You should check with a qualified tax professional for guidance on how you may be impacted.
 
Q&A
  • Life insurance proceeds can help provide money to pay off debts - like a mortgage, medical expenses or student loans - or provide for the people you care most about in the event something happens to you.
  • It’s important to match your coverage with your needs.
     
    Term insurance is typically good for someone with insurance needs that may go down in the future.
     
    Permanent insurance is typically good when you don’t expect your need for protection to go down or go away in the future.
     
    Need help deciding? Call us at 877-276-9429 weekdays, 8 a.m. to 8 p.m. (ET) .

  • One rule of thumb is ten times your annual income, but everyone’s needs are different. 

  • The cost of your coverage will depend on:
    • Policy type 
    • Amount of coverage
    • Length of coverage
    • Your age, health, lifestyle and other factors
     
    Call us at 877-276-9429 weekdays, 8 a.m. to 8 p.m. (ET).

  • Speak with one of our insurance representatives.
     
    877-276-9429
     
    Weekdays, 8 a.m. to 8 p.m. (ET)

Contact us

We’re here to help.

Give us a call.
877-276-9429
Weekdays, 8 a.m. – 8 p.m. (ET)
 
 
Guarantees are subject to the claims-paying ability of the issuing company.
The TIAA group of companies does not provide tax advice. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.
TIAA-CREF Life Insurance Company.
928970