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Give employees financial confidence and a clear path to retirement

Americans believe having a source of guaranteed lifetime income in retirement helps them feel financially resilient.1

Good news!​ TIAA Traditional* interest rates are up 13% on average for existing balances through February 2024​.

Guaranteed to grow every day no matter the market, TIAA Traditional can help participants achieve their goals while saving and in retirement with guaranteed lifetime income.​

*Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

Income strategy

A diversified income strategy today could help make a clear path to retirement in the future

A recent Morningstar study shows including lifetime income from both fixed and variable annuities has the potential to increase income by up to 20% on average.2


Have you designed your plan menu to help your employees both invest for, and live comfortably in retirement?


An investment menu option like TIAA Traditional that offers lifetime income can help your participants plan for and enjoy a comfortable retirement

Guaranteed growth no matter the market

Know that your retirement savings are protected and guaranteed to increase every single day—even in the most volatile markets. 4

Guaranteed lifetime income participants can count on

Turn your savings into guaranteed retirement income that lasts for life to help cover everyday living expenses—or any expenses you choose.4

Opportunity for more growth & income

The opportunity for higher interest as you save and higher income in retirement with a loyalty bonus, because we share profits with you. 3,5

We're here to help

Learn more about our lifetime income solutions

Call the Administrator Telephone Center

Weekdays, 8 a.m. − 8 p.m. (ET)


1 Source: TIAA Financial Resiliency Survey, October 2020.

 Source: Morningstar, "The Benefit of Diversified Income for Retirees: Combining Fixed and Variable Annuities, November 2019". The"certainty equivalent" income calculation incorporates an individual's preference for risk and uncertainty when it comes to funding retirement.

TIAA may share profits with TIAA Traditional Annuity owners through declared additional amounts of interest during accumulation,higher initial annuity income, and through further increases in annuity income benefits during retirement. These additional amounts are not guaranteed beyond the period for which they were declared.

4 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.

TIAA may provide a loyalty bonus that is only available when electing lifetime income. The amount of the bonus is discretionary and determined annually.

Annuity contracts may contain terms for keeping them in force. We can provide you with costs and complete details.

TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued.

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.