Life insurance

⁵ TIAA Life Insurance Company (TIAA Life) is a member of one of only three insurance groups in the United States to hold the highest possible rating from three of the four leading, independent insurance company rating agencies:  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 6/15), Fitch (AAA as of 9/15), and Standard & Poor's (AA+ as of 7/15).  It holds the second highest possible rating from Moody's Investors Service (Aa1 as of 8/15).  Per S&P criteria, the downgrade of U.S. long-term government debt limits the highest rating of U.S. insurers to AA+ (the second highest rating available). There is no guarantee that current ratings will be maintained.  Ratings represent a company's ability to meet policyholders' obligations and claims and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA Life's claims-paying ability.

⁶ Our Charitable Giving Benefit rider, which (if desired) must be selected at the time you apply for coverage, will pay a supplemental benefit to an eligible nonprofit charitable organization of your choice. To qualify, the organization must be accredited as a charity with the IRS under section 501(c)(3). One percent of your policy's face value (up to a cap of $100,000)-over and above the proceeds sent to your beneficiary(ies)-will be sent directly to the charity(ies) in the name of the deceased insured. The cost for this rider is included in the base policy premium of your policy.
Rider form series TCL-CHAREDUC-2, TCL-CHAREDUC-2-CT, TCL-CHAREDUC-2-ME,
TCL-CHAREDUC-2-MN, TCL-CHAREDUC-2-VA.
Not available in KY,MD or TN