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Better retirements start with guarantees

TIAA Traditional* is powerfully different.

How do we do it?

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


TIAA Traditional on retirement plan menus means guaranteeing your employees the power to live more confidently, more securely and more meaningfully --now, and for the rest of their lives.

Always-on growth

The security of consistent growth while saving with balances guaranteed to increase every single day --even in the most volatile markets.1

Bigger retirement paychecks

The promise of guaranteed lifetime income with the opportunity for raises in retirement and an exclusive Loyalty Bonus for long-term contributors.1,2,3,4

Powerfully different

The confidence that our guarantees are backed by unwavering financial strength and stability.5 Our sharing the profits approach benefits participants, not shareholders.2

Resources for participants

See how easy it is for participants to plan and take action

TIAA Traditional Lifestage Brochure

Learn how TIAA Traditional can benefit participants at different stages of their retirement journey.

Learning more about lifetime income

Your participants can learn more about the benefits of TIAA Traditional when it's offered on your investment menu.

Get in touch

Call the Administrator Telephone Center, 888-842-7782, weekdays, 8 a.m. − 8 p.m. (ET)


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 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.

3 Paycheck is the annuity income received in retirement.  Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities.

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

5 For its stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) is a member of one of only three insurance groups in the United States to currently hold the highest rating available to U.S. insurers from three of the four leading insurance company rating agencies: A.M. Best (A++ as of 10/23), Fitch, (AAA as of 8/23; TIAA is rated higher than the U.S. government) and Standard & Poor's (AA+ as of 10/23), and the second highest possible rating from Moody’s Investors Service (Aa1 as of 9/23). There is no guarantee that current ratings will be maintained. The financial strength ratings represent a company’s ability to meet policyholders’ obligations and do not apply to variable annuities or any other product or service not fully backed by TIAA’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.

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 1000.24; G-1000.4 or G-1000.5/G1000.6 or G1000.7; 1200.8; G1250.1; IGRS-01-84-ACC and IGRS-02-ACC; IGRS-CERT2-84-ACC and IGRS-CERT3-ACC; IGRSP-01-84-ACC and IGRSP-02-ACC; IGRSP-CERT2-84-ACC and IGRSP-CERT3-ACC; 6008.8 and 6008.9-ACC; 1000.24-ATRA; 1280.2, 1280.4, or 1280.3 or 1280.5, or G1350. Not all contracts are available in all states or currently issued.

Annuity contracts contain exclusions, limitations, reductions of benefits and may contain terms for keeping them in force. We can provide you with costs and complete details.

The information provided herein is intended for institutional investor use only. It does not constitute an offer or recommendation to buy or sell any product or security.

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.