Our low-cost1 annuities can protect your retirement savings and provide income throughout retirement. Calculate your monthly lifelong income payment now.

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Get the basics

Learn how annuities can help generate income for life
Step One An annuity is available through an employer plan or IRA or through a personal annuity. 2
Step Two You can put money in either all at once or contribute regularly over time.
Step Three You are able to watch how your account performs over time.
Step Four Once you retire, you can choose one of many income options, including income for life.
our options

Types of annuities


Through your employer
Save for retirement through our fixed or variable annuity offerings. After you leave the workforce, choose the option of monthly lifetime income.


On your own
Save money in a fixed or variable annuity outside of what you may be saving through your employer’s plan to build reliable retirement income.

Why consider an annuity in your IRA?

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TIAA is a founding member of the Alliance for Lifetime Income

The Alliance’s shared purpose is to educate people on the important role annuities can play in creating income for life.
We’ve been offering annuities for 100 years and have helped millions of people pursue their retirement goals.
Highly ranked
67% of TIAA-CREF Funds and Variable Annuity Accounts received a Morningstar overall rating of 4- or 5-stars (37.04% 4 stars and 29.63% 5 stars), based on risk-adjusted returns as of September 30, 2018.3
Our fixed annuities are backed by the high financial strength ratings of TIAA.4
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1 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, June 30, 2018. 78% of TIAA-CREF mutual fund products and variable annuity accounts have expense ratios that are in the bottom quartile (or 97.79% below median) of their respective Morningstar category.
Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.
2 Any guarantees under annuities issued by TIAA are subject to TIAA’s claims-paying ability. TIAA Traditional and TIAA Stable Value are guaranteed insurance contracts and not an investment for federal securities law purposes.
3 Morningstar ratings are based on each mutual fund (institutional share class) or variable annuity account's (lowest cost) share class and include U.S. open-end mutual funds, CREF Variable Accounts and the Life Funds. The Morningstar Rating™ – or "star rating" – is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. The rating is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. Morningstar ratings may be higher or lower on a monthly basis. The top 10% of funds or accounts in each product category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. The overall star ratings are Morningstar's published ratings, which are derived from weighted averages of the performance figures associated with the three-, five-, and 10-year (if applicable) Morningstar rating metrics for the period ended September 30, 2018. Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and ratings, please visit
4 For stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) and TIAA-CREF Life Insurance Company (TIAA Life) are 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 6/18) , Fitch (AAA as of 6/18) and Standard & Poor's (AA+ as of 10/18) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 9/18) . 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 the issuer’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.
5 Certain products and services are only available to eligible individuals.