TIAA Traditional

Guaranteed growth. Plus income for life.

TIAA Traditional* guarantees your savings will grow with interest at a set rate and can pay you income for life after you retire.1
You can call 800-842-2252 to speak with an advisor.

*a guaranteed annuity issued by Teachers Insurance and Annuity Association of America,
New York,  NY
Get the basics

TIAA Traditional basics

If your employer offers TIAA Traditional, or if you own TIAA Traditional through an IRA, your savings will grow with interest every day and it can pay you income for life in retirement.1

Put money in

  • Through your employer’s retirement plan or an IRA
  • For the long term
  • To protect your principal and accumulated interest earnings
  • To get competitive interest rates through all market conditions2
  • To build your guaranteed income for retirement1

Take money out

  • As a stream of guaranteed lifetime income payments1
  • Periodic payments or lump-sum withdrawals*

Get the basics

Think of TIAA Traditional as a safety net for your retirement

STEP ONE Consider contributing to your employer's retirement plan or your IRA.
STEP TWO Receive competitive interest rates through all market conditions.
STEP THREE Consider converting some or all of your savings into retirement income that you can’t outlive.1
STEP FOUR Enjoy your retirement with lifetime income that has the potential for increases that may help offset inflation.2

Your grandparents had pensions. You have TIAA Traditional.


TIAA Traditional guarantees that the value of your savings will increase every day.

Income for life

You choose when and how much to convert to lifetime income.


Help cover your everyday expenses with guaranteed lifetime income.1

Is this annuity right for you?

Can be good if you care about

  • Maximum safety: Preserving your principal
  • Competitive interest rates
  • Income you can’t outlive1
  • Potential increases in lifetime income that may help offset inflation2
    Why TIAA

    The potential for extra payments in retirement

    Our mission-based approach can provide additional potential benefits to you including the potential that your lifetime income may increase in retirement.2

    TIAA Traditional Annuity (Retirement Choice) Historical Rates of Return3

    Take action

    Consider Getting Started with TIAA Traditional

    If you have a retirement plan with TIAA Traditional, or an IRA with TIAA, you can put money into TIAA Traditional.

    Already with TIAA?

    Start saving in TIAA Traditional by updating your funding options online.

    New to TIAA?

    Make sure you’re taking full advantage of your employer’s retirement plan.

    Want to talk first?

    No problem—our advisors can help explain your options.
    You can call us at 800-842-2252

    Discover more


    We are all about trust

    We made the list of most ethical financial companies by Ethisphere Institute.3

    Manage all your money in one place

    Log in to your TIAA account and sign up for our 360° Financial View tool.

    Investing 101

    Online education to help you make sense of your options.


    Consider opening an Individual Retirement Account with TIAA.
    1 All guarantees are based on TIAA's claims-paying ability.  TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.  Past performance is no guarantee of future results.

    2 Interest credited to TIAA Traditional Annuity accumulations includes a guaranteed rate, plus additional amounts as may be established on a year-by-year basis by the TIAA Board of Trustees. The additional amounts, when declared, remain in effect through the "declaration year", which begins each March 1 for accumulating annuities and January 1 for payout annuities. Additional amounts are not guaranteed for periods other than the period for which they are declared.
    3 Performance shown represents TIAA Traditional Annuity under Retirement Choice (RC) contracts.  The RC inception date is August 1, 2005.  TIAA Traditional Annuity accumulations are credited with interest based on when contributions and transfers are received, and your performance will reflect your pattern of contributions. The returns shown in the table reasonably represent what an individual making level monthly premiums would have historically earned over the time periods. Returns for different time periods are calculated in two steps: monthly performance returns are calculated from an accumulation created by a series of level monthly premiums over the prior 10 years (or the inception date of the product if later), and those monthly returns are linked together to determine historical performance for each of the return periods shown.

    4 The World’s Most Ethical Companies is a distinction by Ethisphere Institute that honors superior achievements in transparency, integrity, ethics and compliance. TIAA was named on Ethisphere's most ethical financial companies in 2015.
    ​*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 8/17) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 2/18) . 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.

    This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.

    TIAA Traditional may not be available under all employer-sponsored retirement plans recordkept by TIAA but is available to eligible individuals through a TIAA IRA.  The terms of TIAA Traditional differ between contract forms.  Some contracts allow for full withdrawals and transfers.  Other contracts only permit withdrawals and / or transfers to be paid in multi-year installments and certain withdrawals may be subject to a surrender charge.  Review your contract, certificate, or other product literature, or contact TIAA for complete details.  When TIAA Traditional Annuity is made available within an employer-sponsored retirement plan, income and withdrawal options are subject to the terms of the employer plan.  Withdrawals prior to age 59 1/2 may be subject to a 10% federal tax penalty, in addition to ordinary income tax.
    TIAA Traditional is a fixed annuity product issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY. Annuity contracts contain terms for keeping them in force. Exclusions, restrictions, limitations and reductions in benefits will, in certain situations, apply to annuity contracts. Your financial consultant or advisor can provide you with costs and complete details.
    The TIAA Traditional Annuity Retirement Annuity (RA) contract form series 1000.24; Group Retirement Annuity (GRA) certificate form series G-1000.4 or G-1000.5/G1000.6 or G1000.7 (not available in all states); Supplemental Retirement Annuity (SRA) contract form series 1200.8; Group Supplemental Retirement Annuity (GSRA) certificate form series G1250.1; Retirement Choice (RC) contract form series IGRS-01-84-ACC; Retirement Choice certificate series IGRS-CERT2-84-ACC; Retirement Choice Plus contract form series IGRSP-01-84-ACC; Retirement Choice Plus certificate series IGRSP-CERT2-84-ACC; Group Annuity (GA) contract form series 6008.8 and 6008.9-ACC; After-Tax Retirement Annuity (ATRA) contract form series 1000.24-ATRA; IRA contract form series 1280.2, 1280.4 (not available in all states and generally no longer issued), or TIAA-IRA-01 and Roth IRA contract form series 1280.3 or 1280.5 (not available in all states and generally no longer issued), or TIAA-Roth-01; and Keogh certificate form series G1350 (not available in all states) are issued by Teachers Insurance and Annuity Association of America, 730 Third Avenue, New York, NY 10017.