Ensuring today.
Securing tomorrow.SM
In a world of unknowns, TIAA offers the assurance of retirement security for your employees—delivered through guaranteed lifetime income.
TIAA loyalty bonus
Loyalty rewarded
The TIAA Loyalty Bonus® seeks to recognize participant’s long-term commitment to saving in TIAA Traditional. The longer participants have contributed to TIAA Traditional, the larger checks have typically been at retirement.1
This exclusive benefit can help enhance retirement income and enhance guaranteed lifetime payments when participants annuitize.
By the numbers
Measured outcomes that matter
Founded to help educators retire with dignity, today we’re a market-leading retirement company fueled by world-class investment capabilities, partnering with leaders in higher education, healthcare, and government to build innovative retirement programs2.
$1.5T
in AUM
As of December 31, 2025, assets under management (AUM) across Nuveen Investments affiliates and TIAA investment management teams were $1,506 billion.
$316B
total assets
TIAA is one of the largest general accounts of any U.S. life insurer.3,4
$4.6B
profits shared
We shared billions in profits directly with participants in 2024.5
Lifetime income solutions
TIAA Traditional: Better retirements start with the promise of a guarantee6.
You can help create confidence and security now and for the rest of your employees lives.
Always-on growth while saving
In their working years, employees are assured growth no matter the market, giving them more retirement savings without the volatility that comes with the other investment options.7
Bigger retirement checks
TIAA Traditional provides guaranteed retirement checks employees can count on for life with the opportunity for raises in retirement and an exclusive TIAA Loyalty Bonus℠ for long-term contributors.1,5,6
Powerfully different
Our guarantees are supported by exceptional financial strength and stability, reinforced by our dedication to distributing profits to participants rather than shareholders.4
TIAA RetirePlus®: Modernizing the Default
Default design has entered a new chapter. Learn the four decisions that matter most for lifetime income adoption and how TIAA’s suite of lifetime income solutions can deliver on participants' expectations.
Markets we serve
Purpose-built for distinct needs.
Serving complex retirement programs across healthcare, higher education, and multiple employer plans with solutions built for their distinct needs.
Healthcare
We’ve spent more than 100 years strengthening healthcare retirement programs so your team can focus on patient care.
Higher Education
The #1 provider of guaranteed retirement income to the higher education sector for more than 100 years.8
Multiple Employer Plans
With a TIAA Multi Employer Plan, you can benefit from economies of scale and offer robust plan services to your employees.
We’re here to help.
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1 Lifetime income payments from TIAA Traditional may include a TIAA Loyalty Bonus® which is discretionary and determined annually.
2 The TIAA General Account is solely owned by TIAA and supports TIAA’s contractual guarantees and business operations; its performance is not directly allocated to any specific contract or obligation. The TIAA General Account backs TIAA’s fixed annuities. The TIAA General Account is an insurance company account and is not available to investors as an investment.
3 Financial Strength: As of December 31, 2025, TIAA General Account total assets ($316.3B) reflect the merger between Teachers Insurance and Annuity Association of America (TIAA) and TIAA-CREF Life Insurance Company (TC Life). Total TIAA assets $380.4 billion. Total TIAA assets include, in addition the the General Account, separately managed accounts such as the real estate account and TIAA Stable value. Total statutory capital is composed of capital and surplus, and asset valuation reserve for TIAA.
4 TIAA is ranked number 2, according to SNL Financial, as of Dec. 31, 2024.
5 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 are declared. TIAA Annual Statement (2016–2025), Page 4, Line 30.
6 Guarantees are subject to the financial strength of TIAA.
7 TIAA Enterprise Analytics (2022)
8 Based on Industry Plan Count data in PLANSPONSOR magazine’s 2025 403(b) Market Survey plan data as of June 2025
By communicating the information contained in this material, TIAA is not providing impartial investment advice or giving advice in a fiduciary capacity regarding any investment by, or other investment strategy or transaction of, the plan(s). TIAA is acting solely in a sales capacity with respect to an arms-length sale, purchase, loan, exchange or other transaction related to the investment of securities or other investment property or investment strategy.
You should consider the investment objectives, principal strategies, principal risks, portfolio turnover rate, performance data, and fee and expense information of each underlying investment carefully before directing an investment based on the model. For a free copy of the program description and the prospectus or other offering documents for each of the underlying investments (containing this and other information), call TIAA at 877-518-9161. Please read the program description and the prospectuses or other offering documents for the underlying investments carefully before investing.
This material is for informational, educational or non-fiduciary sales opportunities and/or activities only and does not constitute investment advice (e.g., fiduciary advice under ERISA or otherwise), a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations to invest through a model or to purchase any security or advice about investing or managing retirement savings. It does not take into account any specific objectives or circumstances of any particular customer, or suggest any specific course of action. No registration under the Investment Company Act, the Securities Act or state securities laws—the model is not a mutual fund or other type of security and will not be registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940, as amended, and no units or shares of the model will be registered under the Securities Act of 1933, as amended, nor will they be registered with any state securities regulator. Accordingly, the model is not subject to compliance with the requirements of such acts, nor may plan participants investing in underlying investments based on the model avail themselves of the protections thereunder, except to the extent that one or more underlying investments or interests therein are registered under such acts.
No guarantee – Neither the models nor any investment made pursuant to the models are deposits of, or obligations of, or guaranteed or endorsed by TIAA or their affiliates (except with respect to certain annuities sponsored by TIAA or its affiliates), or insured by the Federal Deposit Insurance Corporation, or any other agency. There is no guarantee that the underlying investments will provide adequate income at and through retirement and participants may experience losses. Participants should not allocate their retirement savings to the underlying investments unless they can readily bear the consequences of such loss.
Assets allocated to the underlying investments based on the model will be invested in underlying mutual funds and annuities that are permissible investments under the plan. Some or all of the underlying investments included in the model may be sponsored or managed by TIAA or its affiliates and pay fees to TIAA and its affiliates. In general, the value of a model-based account will fluctuate based on the performance of the underlying investments in which the account invests. For a detailed discussion of the risks applicable to an underlying investment, please see the prospectus or disclosure document for such underlying investment.
TIAA RetirePlus Select® and TIAA RetirePlus Pro® are administered by Teachers Insurance and Annuity Association of America (“TIAA”) as plan recordkeeper. TIAA-CREF Individual & Institutional Services, Member FINRA and SIPC distributes securities products. SIPC only protects customers’ securities and cash held in brokerage accounts. TIAA and CREF annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY, respectively. Each is solely responsible for its own financial condition and contractual obligations. Transactions in the underlying investments invested in based on the models on behalf of the plan participants are executed through TIAA-CREF Individual & Institutional Services, LLC.
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