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1 TIAA-CREF Life Insurance Company (TIAA Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA). TIAA-CREF Individual & Institutional Services, LLC, member FINRA distributes securities products. Each of the foregoing is solely responsible for its own financial condition and contractual obligations. Some products may not be available in all states.
 
2 We reserve the right to limit premiums to no more than $1,000,000 in a calendar year. See contract for details.
 
3 With the TIAA Life Intelligent Variable Annuity, you can choose from over 60 investment options from recognized investment management companies. 75% of Intelligent Variable Annuity’s investment options have received a 4- or 5-star overall rating from Morningstar. According to Morningstar, 37% of Intelligent Variable Annuity’s investment accounts received 4 stars and 38% received 5 stars as of 12/31/16. Morningstar ratings reflect historical risk-adjusted performance, and are subject to change every month. Past performance does not guarantee future results. Some restrictions and fees may apply so see the prospectus for details.
 
4 All guarantees are based upon TIAA Life's claims paying ability.
 
5 Our Annuity Cost Saving Tool is not approved for use in the state of Oregon.
 
6 For its stability, claims-paying ability and overall financial strength, TIAA-CREF Life Insurance Company is a member of one of only three insurance groups in the United States to hold the highest rating available to U.S. insurers from three of the four leading independent insurance company rating agencies. TIAA-CREF Life Insurance Company (TIAA Life) is a wholly owned subsidiary of Teachers Insurance and Annuity Association of America (TIAA). TIAA Life holds the following ratings as a result of its relationship with TIAA:  A.M. Best (A++ as of 6/17) , Fitch (AAA as of 2/17) and Standard & Poor's (AA+ as of 11/16) , and the second highest possible rating from Moody’s Investors Service (Aa1 as of 2/17) . There is no guarantee that current ratings will be maintained. The financial strength ratings represent a company’s ability to meet policyholders’ obligations and claims and do not apply to variable annuities or any other product or service not fully backed by TIAA Life’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.
 
7 The first variable annuity, CREF Stock, was created by CREF (College Retirement Equities Fund) in 1952.
 
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.

Intelligent Variable Annuity, contract form series TCL-VA2, TCL-VA2-GLWB, is issued by TIAA-CREF Life Insurance Company, 730 Third Avenue, New York, NY 10017. Not available in all states.
 
Please keep in mind that annuities are designed for retirement and other long-term goals. If you choose to invest in the variable investment products, your money will be subject to the risks associated with investing in securities. Investment return and principal value will fluctuate so your investment, when redeemed, could be worth more or less than the original cost.

Withdrawals are subject to income tax, and a 10% penalty tax may apply if you are under age 59 1/2.
 
TIAA Life’s Intelligent Variable Annuity’s maximum annuity expense charge ranges from 0.45% to 0.70%. If the Guaranteed Minimum Death Benefit option is selected, the fee is 0.10% and the maximum expense charge ranges from 0.55% to 0.80%. All expense information presented here is as of the prospectus dated May 1, 2017. Please see the prospectus for more information. According to Morningstar, the average annuity expense charge is 1.31% for all non-group variable annuity subaccounts in Morningstar Direct as of 5/9/2017.
 
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.
 
©2017 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.