TIAA retirement annuities

Discover the advantages of saving during your working years and creating a retirement income plan that works for you.
A Diversified Approach
Look forward with confidence to experience what lies ahead with diversified retirement 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
Variable annuities can provide the potential for growth to help fight inflation and rising costs.2
Which may be right for you?

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
    TIAA Stable Value
    Provides protection from market ups and downs with flexible withdrawal options.
  • 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 90.3​
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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 and TIAA Stable Value are fixed annuity products issued through contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: TIAA Traditional form series includes but is not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Contract Forms: TIAA Stable Value TIAA Contract form series – SV-01 and SV-02, TIAA Certificate series – SV-CERT1 and SV-CERT2. Not all contracts are available in all states or currently issued.
1Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. 
2Payments will fluctuate based on the performance of the underlying accounts.
3TIAA may share profits with TIAA Traditional retirement annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement.  These additional amounts are not guaranteed other than for the period for which they were declared. 
4As of 12/31/19. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.
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.