TIAA retirement annuities

Create a confident financial future with a balanced retirement income portfolio.

A Diversified Approach

Helps you build a smarter income plan for retirement

Watch video Opens dialog
Lifetime income

What lifetime income can do for you

Other than Social Security and pensions, annuities are the only retirement option capable of providing income that's guaranteed for as long as you live.1

But before you retire, annuities can grow your money over time, based on the type you select.

Fixed annuities provide guaranteed growth every day even in the most volatile markets.1

Learn how to build a diversified income plan.

Variable annuities can provide the potential for growth to help fight inflation and rising costs.2

Find out what’s recommended for you.

Explore more

Learn more about your TIAA options

Explore the fixed and variable options in your employer retirement plans.

TIAA traditional

Take advantage of guaranteed growth and exclusive "profit sharing" benefits.3

Rate Increase opportunity

TIAA Traditional rates have increased. Find out what you can earn within your employer plan.

CREF Accounts

Choose from equity, fixed income and diversified investments across domestic & international markets.

TIAA real estate account

Add true diversification to your portfolio by providing investment exposure to commercial real estate.

TIAA access

An option with many investment choices from TIAA and other fund managers.


A century of experience

Solid history

We’ve offered annuities for 100 years – and actually created the first variable annuity in 1952.

Growth opportunities

You have the ability to receive a fixed rate and/or pursue market gains.

Dependable income

Since 1918, we've paid $426 billion to retirees, including more than 32k over the age of 90.4​

Take action

We're here to help you

Already with TIAA?

Manage your money with secure online access.

Ready to Retire?

Take the next steps to activate the lifetime income options you may already have in your plan.5

New to TIAA?

Enrolling is the first step to saving for your future.

Want to talk first?

Call us at 800-842-2252 or find the nearest TIAA office.

Annuity contracts contain terms for keeping them in force. Exclusions, restrictions, limitations and reductions in benefits will, in certain situations, apply to annuity contracts. Your financial consultant 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. 

Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability.

Payments will fluctuate based on the performance of the underlying accounts. 

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

As of 03/31/2021. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.

Exchanging your savings for income payments (referred to as "annuitization") is a permanent decision and once lifetime income payments has been selected you are unable to change to another option.

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.