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Get the basics

Think of an annuity as a safety net for your retirement

An annuity can provide income you can't outlive.  Your investment choices can be variable, meaning they rise and fall with the markets, or fixed, meaning you get a guaranteed return.1
Step One Consider an annuity through an employer plan or IRA or consider a personal annuity.
Step Two Put money in, either all at once, or contribute regularly.
Step Three Watch how your account performs over time.
Step Four Retire and choose one of many income options, including income for life.

All the places you can put an annuity

We can offer options to complement your other investments. An annuity is the only financial offering that can guarantee income for life no matter how long you live.1
our options

Types of annuities



Through your employer
It offers a variety of income choices, including lifetime income, after you leave the workforce.


On your own
Consider if you want to save more money for retirement than you can put in your employer’s plan.

Why put an annuity in your IRA?

Lifetime income survey

of Americans want retirement income that lasts as long as they live over other benefits

Source: 2016 TIAA Lifetime Income Survey
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1 Guarantees are based on the claims paying ability of the issuing company.
2 Morningstar ratings are based on each mutual fund or variable annuity account’s lowest-cost share class and include U.S. open-end mutual funds, CREF Variable Accounts and the Life Funds. For a fund or account with multiple share classes and the same pricing, the share class with the longest performance history is used. The Morningstar Rating™ – or “star rating” – is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. The rating is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. Morningstar ratings may be higher or lower on a monthly basis. The top 10% of funds or accounts in each product category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. The overall star ratings are Morningstar’s published ratings, which are derived from weighted averages of the performance figures associated with the three-, five-, and 10-year (if applicable) Morningstar rating metrics for the period ended March 31, 2017 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and ratings, please visit
3 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 8/16) , Fitch (AAA as of 2/17) and Standard & Poor's (AA+ as of 11/16) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 2/17) . 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-CREF managed account services provide discretionary investment management services for a fee.
TIAA-CREF managed account services are offered through TIAA-CREF Individual & Institutional Services, LLC , a registered investment adviser and broker-dealer, and TIAA-CREF Trust Company, FSB, a federal savings bank.