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Retirement plan annuities

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How an annuity fits into your retirement plan

Save while you work, then get lifetime income1

If offered by your employer, annuities can help you save for retirement while you’re working, and give you the option for income you can’t outlive when you retire.
An annuity can provide income for as long as you live – even when your other retirement savings run out.1
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How can a retirement plan annuity help you?


Build your nest egg

Contributing to an annuity during your working years can potentially help you build a nest egg.

Provide income

An annuity can help bridge the gap until Social Security begins and can provide income long after other savings run out.1

Ease your mind

Knowing that you have income for life after you retire, no matter how long you live, can help ease your mind.1
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Fixed or variable annuity?


  • You will not lose the money you put in or interest earned, guaranteed1
  • You will earn interest every day
  • Income payments for life or the period you select
  • Money you put in may be locked up for several years


  • More investment options providing market returns
  • Shift money among investments as needed
  • Get income payments for life or the period you select that changes based on market performance*
    *Read about possible restrictions and risks
    Our Options

    Are you eligible?

    Yes, if you participate in a retirement plan at your workplace that offers our annuities.
    Check with your employer’s benefits office to learn more about your plan options.
    Our Options

    Our core annuity lineup

    Retirement Plan Annuities

    TIAA Traditional

    Our flagship annuity since 1918 providing you with certainty, income you cannot outlive, and peace of mind. TIAA Traditional protects your principal and offers highly competitive interest rates - setting a foundation for a comfortable retirement.
    Retirement Plan Annuities

    CREF Stock account

    Invests in equities of companies of all sizes, all around the world
    Retirement Plan Annuities

    TIAA Real Estate account

    Unique account that invests directly in commercial real estate and loans
    Retirement Plan Annuities

    TIAA Stable Value

    Protection from the ups and downs of the markets with flexible withdrawal options, including the option for lifetime income
    Our Options

    More annuities to choose from

    WHY US

    We do annuities differently

    TIAA has an impressive track record.
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    Personal annuities

    Save more than allowed by your employer’s plan.

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    Find out about our flexible Individual Retirement Account.

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    1 Guarantees are subject to the claims-paying ability of the issuing company.
    2 Source: LIMRA Secure Retirement Institute, Not-for-Profit Market Survey, third-quarter 2015 results. Average assets per participant based on full-service business. Please note average retirement account balances are not a measure of performance of TIAA-CREF retirement offerings.
    3 Morningstar ratings based on the lowest cost share class for each mutual fund, based on 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. Please note Morningstar rates CREF group variable annuities within the open end mutual fund universe.  Morningstar ratings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds. The top 10% of funds or accounts in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund or account’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund or account performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended March 31, 2016. Past performance cannot guarantee future results. For current performance and rankings, please visit