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Employees want the security of lifetime income in retirement and need help getting there.

70% of workers believe guaranteed income should be an option in their defined contribution plan.1

Income strategy

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

In-plan annuities can provide certain advantages.2


An investment menu option like TIAA Traditional* that offers lifetime income has helped millions with retirement security

Always-on Growth

The security of consistent growth while saving with balances guaranteed to increase every single day—even in the most volatile markets.2

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.2,3,4,5

Powerfully Different

The confidence that our guarantees are backed by unwavering financial strength and stability.6 We share profits with participants, not shareholders.3

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

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 LIMRA, “Prediction: The In-Plan Annuity Market Will Grow Exponentially in the Next Two Years,” February 14, 2023.​

 All guarantees are based on TIAA’s claims-paying ability. Past performance is no guarantee of future results.​

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.

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

Lifetime income payments from TIAA Traditional may include a TIAA Loyalty BonusSM which is discretionary and determined annually.

6 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 7/23), 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.

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 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.