Salary ShieldSM

Life insurance can't replace you, but it can help replace your monthly income. 
See Disclosures
TIAA Salary Shield is underwritten by TIAA-CREF Life Insurance Company (TIAA Life) 

What is TIAA Salary Shield?

TIAA Salary Shield is a new type of term life insurance coverage designed to help families manage monthly expenses when a loved one passes away.  Unlike typical life insurance, which is paid in a lump sum, TIAA Salary Shield enables individuals ages 20-50 to provide their families with guaranteed monthly income upon premature death. 

How It Works

Convenient and Fast

Apply online and answer a few simple health questions – no medical exam required.
Get a decision in as few as 10 minutes.


Can provide an ongoing guaranteed monthly income of $1,000-$7,000 for up to 30 years.
Optional one time lump sum for an additional premium.


Lasts for 20 years or until age 65 (whichever comes first).

Why TIAA Life for Life Insurance

We make it easy for you

Get started online and, depending on the type of policy, complete online!

High ratings for financial strength

We hold one of the highest ratings available to U.S. insurers for its stability, claims paying ability, and overall financial strength. *

Informed decisions without sales pressure

A financial consultant can help you choose your policy if you are not sure which direction to go. 
*For its stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) is a member of one of only three insurance groups in the United States to currently hold the highest rating available to U.S. insurers from three of the four leading insurance company rating agencies: 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 do not apply to variable annuities or any other product or service not fully backed by TIAA’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.
TIAA Salary Shield is not available in all states. 
All guarantees are based on the claims-paying ability of TIAA-CREF Life Insurance Company. 
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.
TIAA Salary Shield is issued by TIAA Life, on policy form #ICC18 TCL-DTP and Lump Sum Level Term Rider form #ICC18 TCL-DTP-LSR. TIAA Life is domiciled in New York, NY with its principal place of business in New York, NY.