Meet the TIAA MyChoice Multi-Year Guaranteed Annuity (MYGA)

TIAA MyChoice MYGA is a fixed multi-year guaranteed annuity that offers guaranteed growth, flexible choices and the potential for lifetime income all backed by one of the most trusted names in retirement.¹Learn more about TIAA MyChoice MYGA.

Planning for retirement means finding ways to grow your savings that feel secure and predictable. What if there was a product that guaranteed your money would grow? No matter what happens in the stock market. Meet TIAA my choice GA a multi-year guaranteed annuity that, unlike other investments that pay a fixed rate. Except that because it's an annuity, it provides the ability to receive lifetime income.

You choose how long to lock in your guaranteed interest rate three, five, or seven years and watch your money grow tax deferred every single day. Here's what makes it special. Your rate is guaranteed for your entire chosen period while markets go up and down. Your money grows predictably, and you only need $5,000 to start one. Even more flexibility.

Split your money across multiple terms. This is called laddering. Put some in a three year term for earlier access, some in five year and some in seven years. For potentially higher rates, it's like having multiple savings and income goals working together. When your term ends, you have choices. Select a new term at current rates. Withdraw your money with no penalties or convert it into retirement checks that last your lifetime.

If you do nothing, your money moves to a flexible account. That's always accessible. This comes from TIAA, one of only three insurance companies with the highest ratings from all four major rating agencies. We've been helping people retire with confidence since 1918, and we look forward to helping you grow and secure your future.

¹ For stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) is one of only three insurance groups in the United States to currently hold the highest possible rating from all four leading insurance company rating agencies: A.M. Best (A++ rating affirmed as of July 23, 2025), Fitch (AAA rating affirmed as of August 5, 2025), Standard & Poor’s (AA+ rating affirmed as of November 13, 2025) and Moody’s Investors Service (Aa1 rating affirmed as of May 21, 2025). 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 TIAA’s claims-paying ability.

Tax deferral is automatically provided by tax-qualified retirement plans including IRAs. There is no additional tax deferral provided when an annuity contract is used to fund a tax-qualified retirement plan including IRAs. Investors should only consider buying this contract to fund a tax-qualified retirement plan or an IRA for this annuity’s insurance features, such as annuity payments, and/or death benefit.

Converting some or all of your savings to income benefits (referred to as “annuitization”) is an irrevocable decision once payments begin.

TIAA MyChoice MYGA is a fixed annuity contract issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY. Form series including but not limited to: ICC24-NQRSM, TIAA-NQRSM-CA, TIAA-NQRSM-NY, TIAA-NQRSM-FL and TIAA-NQRSM. Not all contracts are available in all states or currently issued.

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

Wealth Management is a division of Teachers Insurance and Annuity Association of America (TIAA), which offers investment products and services through TIAA-CREF Individual & Institutional Services, LLC, a registered broker-dealer and investment adviser, member FINRA and SIPC.

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