Retirement account annuities

If interested call 800-842-2252 to speak with a consultant.
Get the Basics

How an annuity fits into your retirement plan

Save while you work, then get lifetime income1

If offered by your employer, annuities can provide a way to save on your taxes while you’re working – and give you the option to receive retirement income for life.
An annuity may provide income for as long as you live – even when your other retirement savings run out.1  Check with your employer’s benefits office to see if your employer plan offers annuities.
Get the Basics

How can a retirement account annuity help you?


Build your savings

Contributing to annuities during your working years can potentially help you build a retirement savings portfolio.

Provide income

Income from an annuity can help supplement Social Security and can provide income long after other savings run out.

Instill confidence

Knowing that you have income for life after you retire, no matter how long you live, can instill confidence.1
Our Options

Fixed or variable annuity?


  • You will not lose the money you put in or interest earned, guaranteed
  • You will earn interest every day
  • Get income payments for life or the period you select1
  • There may be restrictions on withdrawing or transferring the money you put in*


  • More investment options providing market returns
  • Shift money among investments as needed
  • Get income payments for life, or the period you select, that change based on market performance
  • No penalties or surrender charges on withdrawals or transfers

    Our annuity lineup

    Fixed annuities


    TIAA Traditional

    Our flagship fixed annuity since 1918 protects your principal and earnings1 - with highly competitive interest rates - setting a solid foundation for your retirement.

    TIAA Stable Value

    This fixed annuity provides protection from market ups and downs with flexible withdrawal options, including the option for lifetime income.1

    Variable annuities


    The CREF Accounts

    We invented the variable annuity in 1952 when we launched CREF Stock Account. Since then, we’ve built other variable annuities to help you plan for lifetime income.2 Choose from equity, fixed income and diversified accounts across all major domestic and international markets.

    TIAA Real Estate Account

    A unique variable account that invests directly in commercial real estate and loans.

    TIAA Access

    A variable annuity option with many investment choices from TIAA and other fund managers.
    A new retirement account annuity option

    Income Test Drive

    Ever wish you could experience the benefits of a variable annuity without the long-term commitment?
    Now you can!  If eligible, you can “test-drive” monthly payments from your CREF or TIAA variable annuity.3
    WHY US

    We do annuities differently

    TIAA has an impressive track record.
    Contact Information

    Need help to decide?

    If interested, call us.

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    Weekdays, 8 a.m. – 10 p.m. (ET)

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    Discover more


    Personal annuities

    Save more than allowed by your employer’s plan.

    How much income can I get?

    See how lifetime income can help.


    Find out about our flexible Individual Retirement Account.

    Save for college

    Consider saving for college with a 529 college savings plan.
    1 Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. Payments from the variable accounts will rise or fall based on investment performance. 
    2 Payments will fluctuate based on the performance of the underlying accounts.
    3 There are no fees or charges to initiate or stop this feature. However, it’s important to note that your annuity’s balance will be reduced by the income payments you receive, independent of the annuity’s performance. Income Test Drive income payments are based upon the annuitization of the amount in the account, period (minimum of 10 years), and other factors chosen by the participant. If you do not stop the Income Test Drive within the 2 year test period, the remaining balance in the account you selected for the Income Text Drive Feature will be annuitized in accordance with the selections you made for the Income Test Drive. Annuitization is irrevocable. 
    4 Average account balance calculated from Plan Sponsor 403(b) and 457 Buyers Guide 2017, using assets and participants in 403(b) and 457 plans, as reported by TIAA and other survey respondents.
    5 As of 12/31/2017. Other benefits from TIAA and CREF include: additional amounts paid on TIAA Traditional annuity contracts above the guaranteed rate, surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid. 
    You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or go to for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. 
    This material is for informational or educational purposes only and does not constitute investment advice under ERISA. 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. 

    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.