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. 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:
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).
- Policy type (term or permanent)
- Amount of coverage
- Length of coverage
- Your age, health, lifestyle and other factors
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.**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 5/19), 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.
Speak with one of our insurance representatives.877-276-9429