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Retirement income that never retires

The TIAA Secure Income Account1 provides guaranteed growth and income for life.*

1TIAA Secure Income Account is a fixed annuity issued by Teachers Insurance and Annuity Association of America (TIAA)


The need to think differently about retirement plan design

NEW TIAA Solution for the 401(k) Market

For the first time in its more than 100-year history, TIAA is offering its guaranteed lifetime income solutions to the corporate 401(k) market through the TIAA Secure Income Account.*

Guaranteed Lifetime Income

The TIAA Secure Income Account is specifically designed for use as an allocation in managed accounts and custom model portfolios. This is an in-plan, institutionally priced fixed annuity that provides guaranteed interest and protected income for life.* 

Helpful Videos

Check out these informative videos we’ve created to help you make informed plan design decisions

Learn how participants can have protected savings and growth, and benefit from lifetime income

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Learn how to strengthen retirement plan defaults with lifetime income solutions

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TIAA RetireSecure Annuities

Advantages of the TIAA Secure Income Account

Adding a guaranteed savings and lifetime income solution to your QDIA-eligible managed account or custom model with TIAA's RetireSecure suite of fixed annuities can help even the most unengaged participants pursue the secure retirement they've envisioned.

Guaranteed growth, protected savings and lower volatility

The dependable combination of principal protection and guarenteed rates of return can lower overal portfolio volatility.*

The "paycheck"** for life

Provides participants with the option to recieve retirement income that never runs out from all or part of their TIAA Secure Income Account balance - similar to a DB-style payout, but without worrying about DB funding requirements.

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Opportunity for more  growth and income

Our "sharing the profits" approach seeks to reward participants with additional growth and income. Contributing regularly over time can reward participants with additional amounts of interest and lifetime income the longer they contribute.***


Lifetime income calculator

Calculate lifetime income

Calculate how much lifetime income a participant may receive in retirement from the TIAA Secure Income Account.


Find out more

Think differently

Find out why you should be thinking differently about retirement plans with lifetime income.

Mitigate risk

Understand how in-plan annuities can help mitigate risk.

Meet employees' needs

Does your plan design meet your employees' lifetime income needs?

Meet fiduciary requirements

TIAA meets the financial capability standards within the SECURE Act.


The power of TIAA and Nuveen

These financial leaders have partnered to offer strength, stability and experience in retirement income planning.

$545 Billion

In retirement benefits paid since 1918, as of December 31, 20211

1 of only 3

U.S. insurers to hold the highest possible ratings from 3 of the 4 leading ratings agencies2

Over $1.2 Trillion

In assets under management, as of December 31, 20223

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Modernize your plan today with the TIAA Secure Income Account.

* Guarantees are subject to the claims-paying ability of the issuer.

**'Paycheck' is the annuity income recieved in retirement. Guarantees of fixed monthly payments are only associated with TIAAs fixed annuities.

*** TIAA may share profits with TIAA Secure Income Account retirement annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement. These additional amounts are not guaranteed other than for the period for which they were declared.

1 As of December 31, 2021. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.

For stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) and TIAA-CREF Life Insurance Company (TIAA Life) are one of only three insurance groups in the United States to currently hold the highest possible rating from three of the four leading insurance company rating agencies: A.M. Best (A++ rating affirmed as of July 2022), Fitch (AAA rating affirmed as of October 2022) and Standard & Poor's (AA+ rating affirmed as of September 2022) and the second-highest possible rating from Moody's Investors Service (Aa1 rating affirmed as of June 2022). There is no guarantee that current ratings will be maintained. Ratings represent a company's ability to meet policyholders' obligations and do not apply to any product or service not fully backed by the issuer's claims-paying ability. The ratings also do not apply to the safety or the performance of the variable accounts or mutual funds, which will fluctuate in value.

3 As of December 31, 2022, assets under management across Nuveen Investments affiliates and TIAA investment management teams are $1.212 trillion.

This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. 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 based on the investor’s own objectives and circumstances.

The TIAA Secure Income Account is approved for issuance in 52 of 53 U.S. insurance jurisdictions. It is not approved to be issued to New York-domiciled contract holders.

The TIAA Secure Income Account is a guaranteed insurance contract and not an investment for federal securities law purposes.

Annuity contracts may contain terms for keeping them in force. Your financial consultant [or we] can provide you with costs and complete details.

TIAA Secure Income Account is issued through by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: TIAA-UQDIA-002-K and related state specific versions. Not all contracts are available in all states or currently issued.