Life insurance

Permanent Life Insurance

Call 877-276-9429 to speak with a TIAA-CREF Life insurance Company (TIAA Life) representative or request a call.

Protection for your entire life

Permanent life insurance is designed to provide financial security for life for the ones you love. Plus, it has the potential to build cash value you can use, if you need it.

Basics of permanent life insurance


A great choice if you need:

  • Lifetime coverage
  • Coverage for yourself and significant other with one policy
  • Flexible premium payments
  • Generally federal income tax-free death benefit
  • Potential to build tax-deferred cash value

How it works

How to get term life insurance

Getting covered by different types of term life insurance is quick and easy with our term life insurance options.*
STEP 1 Choose the best type of insurance for your needs.
STEP 2 Select your policy features and apply for coverage.
STEP 3 Complete a brief medical screening in your home, at no cost to you.
STEP 4 Once approved, review your policy terms and make your first payment.*
*Typically insurance is issued in as few as 3 – 4 weeks after a medical screening. Not everyone who applies will be issued a policy.

Fixed or variable investment options

Fixed universal life pays you a guaranteed interest rate on any cash value in your policy. Variable universal life offers better growth potential, with returns based on the market.3
With either universal or variable universal life insurance, you can choose a survivorship option - it covers both you and a loved one on the same policy, for less than two separate ones.


  • Combines permanent death benefit protection of a life insurance policy with long-term care benefits to help protect you from the high costs of:
    • Adult day care
    • Assisted living care
    • Home health care
    • Hospice care
    • Nursing home
    This type of insurance can help you pass on more of your wealth to the ones you love.
    Want to learn more?
    Call us at 877-276-9429 weekdays, 8 a.m. to 8 p.m. (ET), to speak with an insurance representative.
    *Offered through TIAA-CREF Insurance Agency, LLC.
    Important information for our policyholders

We know performance is important to you

Invest your TIAA Intelligent Life® Variable Universal Life or Intelligent Life® Survivorship Variable Universal Life cash value in a variety of investments from TIAA1 and other money managers.

Want permanent life insurance?

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Weekdays, 8 a.m. – 8 p.m. (ET)

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Lifecycle funds

Choose a target date and invest for retirement in one step.

TIAA Brokerage Services

Invest in stocks, bonds, mutual funds and exchange-traded funds (ETFs).

Prefer a hands-off approach?

We can professionally manage your portfolio or trust for you.

Personal annuities

Looking for additional tax benefits while saving for retirement?

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.  A financial consultant can provide you with costs and complete details.

1 Life insurance, including Intelligent Life® Universal Life Insurance, policy form series AM-SUL.3 (2008), Intelligent Life® Survivorship Universal life Insurance, policy form series AM-JUL.3 (2008), Intelligent Life® Variable Universal Life Insurance Policy form series AM-SVUL.3 (2008) and Intelligent Life® Survivorship Variable Universal Life Insurance Policy form series AM-JVUL.3 (2008) are 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. Policies may not be available in all states. 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.

2 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 6/18) , Fitch (AAA as of 6/18) and Standard & Poor's (AA+ as of 10/18) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 9/18) . 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.
3 There are inherent risks in investing in securities such as variable life insurance. Products may be subject to market and other risk factors. It is possible to lose money by investing in securities.
©2017 Teachers Advisors, Inc. is a registered investment advisor and wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA).