Life insurance: Term and permanent life

The “I” in TIAA stands for insurance. We’ve been improving it for the last 100 years.
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Why us

How is TIAA Life insurance different?

We make it easy for you

You can get started online or call our reps who can quickly help you.

High ratings for financial strength

We're among the highest rated insurance companies in the U.S. 1

Give back while you protect

Choose a charity to receive 1% of your policy amount, at no additional cost to you – or your loved ones. 2
1,2 See more about our ratings and Charitable Giving Benefit Rider

Getting started is easy

Use our Life Wizard tool

Estimate how much term life insurance you may need and what it could cost.

Use our Quick Quote tool

Answer a few questions and get a term life insurance quote on the spot.

Term vs. permanent (whole) life insurance: Which is best for you?

*Income tax free at the federal level. Some states may tax insurance proceeds. You should check with a qualified tax professional for guidance on how you may be impacted.
  • 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 six to ten times your annual income, but everyone’s needs are different. Life Wizard  can help you find out how much insurance you need (if any), get a cost quote for term insurance, and apply for term life coverage.

  • The cost of your coverage will depend on:
    • Eligibility Policy type (term or permanent)
    • Amount of coverage
    • Length of coverage
    • Your age, health, lifestyle and other factors
    For a term insurance cost estimate, use our quick quote tool.
    For an estimate of permanent insurance costs, call us at 877-276-9429 weekdays, 8 a.m. to 8 p.m. (ET).

  • An insurance company’s rating is one of the best measures of its current ability to pay claims. TIAA-CREF Life Insurance Company is a member of one of only three insurance groups in the U.S. to hold the highest possible rating from three of the four leading independent insurance company rating agencies.*

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

We’re here to help.

Give us a call.
Weekdays, 8 a.m. – 8 p.m. (ET)
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.
* For its stability, claims-paying ability and overall financial strength, TIAA-CREF Life Insurance Company is a member of one of only three insurance groups in the United States to hold the highest rating available to U.S. insurers from three of the four leading independent insurance company rating agencies. TIAA-CREF Life Insurance Company (TIAA Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA). TIAA Life holds the following ratings as a result of its relationship with TIAA: A.M. Best (A++ as of 6/17) , Fitch (AAA as of 11/17) and Standard & Poor's (AA+ as of 8/17) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 2/18) . There is no guarantee that current ratings will be maintained. The financial strength ratings represent a company’s ability to meet policyholders’ obligations and claims and do not apply to variable annuities or any other product or service not fully backed by TIAA Life’s claims-paying ability. The ratings also do not apply to the safety or the performance of the variable accounts, which will fluctuate in value.
The Average Customer Rating score is determined by calculating the average of all ratings that have been reviewed and approved for posting in accordance with the Terms and Conditions for TIAA Customer Ratings and Review Service. Ratings and reviews are added on an ongoing basis, and the Average Customer Rating score is automatically updated each time ratings and reviews are added.
The rating and review provided by a customer may not be representative of the experiences of all customers and are not necessarily indicative of future experiences. Each investor’s experience may differ. TIAA cannot guarantee the accuracy of the ratings and reviews.
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.
Life Insurance is issued by TIAA-CREF Life Insurance Company, 730 Third Avenue, New York, NY 10017. TIAA-CREF Individual & Institutional Services, LLC, member FINRA , distributes securities products. Each of the foregoing and TIAA is solely responsible for its own financial condition and contractual obligations.
TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.