Life insurance: Term and permanent life

The “I” in TIAA stands for insurance. We’ve been improving it for the last 100 years. Find out why finds us to be the best bang for your buck.
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How does life insurance work?

Life insurance helps give you peace of mind knowing that your loved ones are protected if something happens to you.

Why get life insurance?

  • Protect your family
  • Generally federal income tax-free death benefit1
  • Tax-deferred growth potential2
For questions about your existing policy, application status, or to apply,
contact us.
Important Information
1,2 Get details about taxes and cash value
Our Options

Different types of life insurance

Term life insurance

Permanent life insurance

  • Designed to cover you for your entire life
  • Potential for cash value growth
  • Tax advantages for your family3
  • Ready to apply or want to learn more? Call us at 877-276-9429.

Term or permanent life insurance – which is right for you?

3See more details about permanent insurance

Why choose us?

Protecting your family is one of the most important promises you can make. See why people turn to TIAA Life.

Why choose us

How is TIAA Life insurance different?

We make it easy for you

Our representatives help you find the right type of insurance for your needs.

High ratings for financial strength

We're among the highest rated insurance companies in the U.S.4

Give back while you protect

Choose a charity to receive 1% of your policy amount, at no additional cost to you – or your loved ones.5
4,5 See more about our ratings and Charitable Giving Benefit Rider

Want term life insurance?

Use Life Wizard

Find out how much you need and how much it might cost. Then apply.

Get a quote and apply

Already know how much you need? Get a quick quote and apply online.

Want permanent life insurance?

Give us a call

We’re here to help.
Weekdays, 8 a.m. – 8 p.m. (ET)

Schedule a call

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Discover more


Personal annuities

Tax-deferred retirement investing.

Important documents

Keep all your important documents, contacts and account information in one place and easily accessible.

How we invest

TIAA is a leader in responsible investment.

Investing 101

Smart investing starts with a solid grasp of the basics.
Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. For full details, including costs, call us at 877-276-9429.
* 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 6/17) , Fitch (AAA as of 11/17) 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.
The Average Customer Rating score is determined by calculating the average of all ratings that have been reviewed and approved for posting in accordance with the Terms and Conditions for TIAA Customer Ratings and Review Service. Ratings and reviews are added on an ongoing basis, and the Average Customer Rating score is automatically updated each time ratings and reviews are added.
The rating and review provided by a customer may not be representative of the experiences of all customers and are not necessarily indicative of future experiences. Each investor’s experience may differ. TIAA cannot guarantee the accuracy of the ratings and reviews.
The TIAA group of companies does not provide tax advice. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.
Life Insurance is issued by TIAA-CREF Life Insurance Company, 730 Third Avenue, New York, NY 10017. TIAA-CREF Individual & Institutional Services, LLC, member FINRA , distributes securities products. Each of the foregoing and TIAA is solely responsible for its own financial condition and contractual obligations.
TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.