# EDGAR Filing Document

**Accession Number:** 0002102233
**File Stem:** 0001193125-26-002786
**Filing Date:** 2026-1
**Character Count:** 41645
**Document Hash:** 8dfac9e2905c59c95db745872f16bdf8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-002786.hdr.sgml**: 20260105

**ACCESSION NUMBER**: 0001193125-26-002786

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 4

**FILED AS OF DATE**: 20260105

**DATE AS OF CHANGE**: 20260105

**EFFECTIVENESS DATE**: 20260105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Teachers Insurance & Annuity Association of America (MVA)
- **CENTRAL INDEX KEY:** 0002102233

**ORGANIZATION NAME:**
- **EIN:** 131624203
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-292531
- **FILM NUMBER:** 26507956

**BUSINESS ADDRESS:**
- **STREET 1:** 730 THIRD AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017
- **BUSINESS PHONE:** (212)490-9000

**MAIL ADDRESS:**
- **STREET 1:** 730 THIRD AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017

## Series and Classes Contracts Data

### Teachers Insurance & Annuity Association of America (MVA) (Series ID: S000102018)

| Class ID   | Class Name                 | Ticker Symbol   |
|:---|:---|:---|
| C000272464 | Investment Horizon Annuity |  |

**As filed with the Securities and Exchange Commission on January 5, 2026** 

**Registration File No. 333-292531** 

**U.S. SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM N-4** 

**REGISTRATION STATEMENT** 

***UNDER***

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| | |
|:---|:---|
| ***THE SECURITIES ACT OF 1933*** | ☒ |
| **Pre-Effective Amendment No.** | ☐ |
| **Post-Effective Amendment No. 1** | ☒ |
| **and/or** |  |

---

## Teachers Insurance and Annuity Association of America
**(Exact Name of Registrant)** 

**Teachers Insurance and** 

**Annuity Association of America** 

**(Name of Insurance Company)** 

**730 Third Avenue** 

**New York, New York 10017** 

**(Address of Insurance Company's Principal Executive Offices)** 

**Insurance Company's Telephone Number, Including Area Code: (212) 490-9000** 

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| | |
|:---|:---|
| **Name and Address of Agent for Service:** | **Copy to:** |
| **John D. Piller, Sr., Esq.**<br> **Teachers Insurance and Annuity Association of America**<br> **8500 Andrew Carnegie Boulevard SSC-C2-04**<br> **Charlotte, NC 28262** | **Chip Lunde, Esq.**<br> **Willkie Farr & Gallagher LLP**<br> **1875 K Street, N.W.**<br> **Washington, DC 20006-1238** |

---

**Check each box that appropriately characterizes the Registrant:**

☐ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

☐ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act"))

☐ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act

☒ Insurance Company relying on Rule 12h-7 under the Exchange Act

☐ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

Confidential (C)

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**EXPLANATORY NOTE** 

This Post-Effective Amendment No. 1 under the Securities Act of 1933, as amended to the Registration Statement on Form N-4 (the "Registration Statement") of Teachers Insurance and Annuity Association of America (the "Registrant") is to replace Exhibit K in Part C of the Registration Statement.

Part A (Prospectus) and Part B (Statement of Additional Information) filed on December 31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm)) are incorporated herein by reference.

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PART C – OTHER INFORMATION

**Item 27. Exhibits** 

(a) Board of Directors Resolution

None

(b) Custodian Agreements

None

(c) Underwriting Contracts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Form of Distribution Agreement for the Teachers Insurance and Annuity Association of America Investment Horizon
Annuity Contracts dated December 31, 2025 (Incorporated by reference to the initial Registration Statement on Form N-4, dated December 
31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm))).

(d) Contracts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. TIAA-CREF Investment Horizon Annuity Contract ([Incorporated by reference to the Pre-Effective Amendment No. 2 to the Registration Statement on Form S-1, Registration No. 333-149714 Filed July 18, 2008.](http://www.sec.gov/Archives/edgar/data/1429401/000119312508153297/ds1a.htm))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Endorsement to TIAA-CREF Investment Horizon Annuity Contract ([Incorporated by reference to the Registration Statement on Form S-1, Registration No. 333-210342 Filed March 23, 2016.](http://www.sec.gov/Archives/edgar/data/1429401/000119312516514170/d121430dex4c.htm))

(e) Applications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. TIAA-CREF Investment Horizon Annuity Application ([Incorporated by reference to the Pre-Effective Amendment No. 1 to the Registration Statement on Form S-1, Registration No. 333-149714 Filed June 13, 2008.](http://www.sec.gov/Archives/edgar/data/1429401/000119312508133305/dex4b.htm))

(f) Insurance Company's Certificate of Incorporation and By-Laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Restated Charter of Teachers Insurance and Annuity Association of America (as amended) ([Incorporated by Reference to Post-Effective Amendment No. 11 to the Registration Statement on Form N-4, Registration No. 333-134820 Filed April 25, 2016.](http://www.sec.gov/Archives/edgar/data/1364783/000119312516553116/d122988d485bpos.htm))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Bylaws of Teachers Insurance and Annuity Association of America (as amended) ([Incorporated by reference to Post-Effective Amendment No. 10 to the Registration on Form N-4, Registration No. 333-134820 Filed April 24, 2015.](http://www.sec.gov/Archives/edgar/data/1364783/000119312516553116/d122988d485bpos.htm))

(g) Reinsurance Contracts

None

(h) Participation Agreements

None

(i) Administrative Contracts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Master Independent Contractor Agreement between Teachers Insurance and Annuity Association of America and
McCamish Systems, L.L.C. dated March 4, 2005 ([Incorporated by reference to the Pre-Effective Amendment No. 1 to the Registration Statement on Form S-1, Registration No. 333-149714 Filed June 13, 2008.](http://www.sec.gov/Archives/edgar/data/1429401/000119312508133305/dex10e.htm))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Service and Subcontracting agreement by and between Teachers Insurance and Annuity Association of America and
TIAA Shared Services, LLC ([Incorporated by reference to the Post-Effective Amendment No. 16 to the Registration Statement on Form N-4, Registration No. 333-145064 Filed on April 27, 2021.](http://www.sec.gov/Archives/edgar/data/1067490/000119312521133449/d126630dex998dc.htm))

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(j) Other Material Contracts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Investment Management Agreement dated as of May 10, 2012, by and between Teachers Advisors, Inc. and TIAA-CREF Life Insurance ([Incorporated by reference to the Registration Statement on Form S-1, Registration No. 333-210342 Filed on March 23, 2016.](http://www.sec.gov/Archives/edgar/data/1429401/000119312516514170/d121430dex10h.htm))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Agreement and Plan of Merger of TIAA-CREF Life Insurance Company and Teachers Insurance and Annuity Association
of America (Incorporated by reference to the initial Registration Statement on Form N-4, dated December 31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm))).

(k) Legal Opinion

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. [Opinion and consent of Aneal Krishnamurthy, Esquire (Incorporated by reference to the Initial Registration Statement on Form N-4, dated December 31, 2025).](d83355dex99ka.htm) \*

(l) Other Opinions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Consent of Willkie Farr & Gallagher LLP (Incorporated by reference to the initial Registration Statement on
Form N-4, dated December 31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm))).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Consent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm (Incorporated by reference
to the initial Registration Statement on Form N-4, dated December 31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm))).

(m) Omitted Financial Statements

None

(n) Initial Capital Agreements

None

(o) Form of Initial Summary Prospectuses

None

(p) Power of Attorney

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Trustees' Powers of Attorney (Incorporated by reference to the initial Registration Statement on
Form N-4, dated December 31, 2025 ([File No. 333-292531](http://www.sec.gov/Archives/edgar/data/2102233/000119312525338436/d83355dn4.htm))).

(q) Letter Regarding Change in Certifying Accountant

None

(r) Historical Current Limits on Index Gains

None

\* Filed herewith.

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**Item 28. Directors and Officers of the Insurance Company** 

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| | |
|:---|:---|
| **Name and Principal Business Address\*** | **Positions and Offices**<br> **with Insurance Company** |
| James R. Chambers | Trustee and Chairman |
| Priya Abani | Trustee |
| Samuel R. Bright | Trustee |
| Jason E. Brown | Trustee |
| Jeffrey R. Brown | Trustee |
| Angel Cabrera<br>Michael R. Fanning | Trustee<br>Trustee |
| Lisa W. Hess | Trustee |
| Edward M. Hundert, M.D. | Trustee |
| Gina L. Loften | Trustee |
| Ramona E. Romero | Trustee |
| Kim M. Sharan | Trustee |
| La June Montgomery Tabron | Trustee |
| Thasunda Brown Duckett | President and Chief Executive Officer and Trustee |
| Mike Cowell | Senior Executive Vice President, Chief Risk and Compliance Officer |
| Bret Hester | Senior Executive Vice President, Chief Legal Officer |
| Sastry V. Durvasula | Senior Executive Vice President, Chief Operating, Information & Digital Officer |
| W. Dave Dowrich | Senior Executive Vice President and Chief Financial Officer |
| Claire V. Borelli | Senior Executive Vice President and Chief People Officer |
| Derek B. Dorn | Senior Managing Director, Corporate Secretary & General Counsel |
| Keith Floman | Senior Vice President and Chief Actuary |
| Christopher Baraks | Senior Vice President, Chief Accounting Officer and Corporate Controller |
| Richard S. Biegen | Senior Managing Director, Chief Compliance Officer of the Separate Account |
| Colbert G. Narcisse | Senior Executive Vice President, Chief Product & Business Development Officer |

---

\* The principal business address for each individual is:

TIAA

730 Third Avenue

New York, New York 10017-3206

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**Item 29. Persons Controlled by or under Common Control with the Insurance Company or Registrant** 

The following chart indicates subsidiaries of Teachers Insurance and Annuity Association of America. These subsidiaries are included in the consolidated financial statements of Teachers Insurance and Annuity Association of America.

All Teachers Insurance and Annuity Association of America subsidiary companies are Delaware corporations, except as indicated.

![LOGO](g83355dsp047.jpg)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Entity Name** | **Jurisdiction<br>of**<br> **Formation** | **Entity**<br> **Classification** | **Owner Name** | **Owner Type** | **Ownership %** | **Business**<br> **Purpose** |
| Anglo Sino Henderson Investment Consultancy (Beijing) Co Ltd | China | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100 | To provide investment consulting services. |
| Arcmont AM LLC | DE | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Member | 100 | To engage in financial services. |
| Arcmont Asset Management (Sweden) AB | Sweden | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Shareholder | 100 | To engage in marketing and investment opportunity research. |
| Arcmont Asset Management France SAS | France | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Shareholder | 100 | To engage in financial services. |
| Arcmont Asset Management Germany Gmbh | Germany | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Shareholder | 100 | To engage in financial services. |
| Arcmont Asset Management Limited | United Kingdom | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Shareholder | 100 | To act as a holding company. |
| Brooklyn Artificial Intelligence, Inc. | DE | Operating Subsidiary | Nuveen, LLC | Member | 100 | A platform that manufactures custom, direct indexing products utilizing A.I. |
| Brooklyn Investment Group, LLC | DE | Operating Subsidiary | Brooklyn Artificial Intelligence, Inc. | Member | 100 | To act as a registered investment adviser. |
| CAM HR Resources LLC | DE | Operating Subsidiary | CAM HR Holdco LLC | Member | 1 | To act as an employing entity. |
| CAM HR Resources LLC | DE | Operating Subsidiary | Churchill Asset Management LLC | Managing Member | 99 | To act as an employing entity. |
| Churchill Agency Services LLC | DE | Operating Subsidiary | Churchill Asset Management LLC | Member | 100 | To act as administrative and collateral agent in connection with certain investments. |
| Churchill Asset Management LLC | DE | Operating Subsidiary | Nuveen Private Capital LLC | Member | 100 | To act as a registered investment adviser for loan investments. |
| Churchill DLC Advisor LLC | DE | Operating Subsidiary | NCBDC Holdings LLC | Member | 100 | To act as a primary adviser. |
| Clean Energy Partners CEP 2012 Limited | United Kingdom | Operating Subsidiary | Glennmont Asset Management Limited | Shareholder | 100 | To manage investments. |
| Clean Energy Partners CEP Services Limited | United Kingdom | Operating Subsidiary | Glennmont Asset Management Limited | Shareholder | 100 | To manage investments. |
| Glennmont Asset Management Limited | United Kingdom | Operating Subsidiary | Clean Energy Partners HoldCo LLP | Shareholder | 100 | To manage investments. |
| Glennmont Partners I Limited | United Kingdom | Operating Subsidiary | Clean Energy Partners CEP 2012 Limited | Shareholder | 100 | To manage investments. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| GreenWood Resources Capital Management, LLC | DE | Operating Subsidiary | Greenwood Resources, LLC | Member | 100.0 | To act as a registered investment advisor. |
| Greenwood Resources Poland sp. z o.o | Poland | Operating Subsidiary | Greenwood Resources Forest Management, LLC | Shareholder | 100.0 | To provide property management services. |
| Greenwood Resources, LLC | DE | Operating Subsidiary | Nuveen Natural Capital, LLC | Member | 100.0 | To act as an advisor and manager of timber and related investments. |
| Greenworks Lending LLC | DE | Operating Subsidiary | Nuveen CP LLC | Member | 100.0 | Origination of commercial property-assessed clean energy loans. |
| Gresham Investment Management LLC | DE | Operating Subsidiary | Nuveen Investments, Inc. | Managing Member | 79.8 | To act as a registered investment advisor, commodity pool operator, and commodity trading advisor, provide investment advisory and management services to Nuveen Group-sponsored investment vehicles. |
| GWR Uruguay S.A. | Uruguay | Operating Subsidiary | Greenwood Resources Forest Management, LLC | Shareholder | 100.0 | To act as a property manager. |
| McIntyre Labor Services, LLC | CA | Operating Subsidiary | Monterey Pacific, LLC | Member | 100.0 | Vineyard crop management |
| Monterey Pacific, LLC | DE | Operating Subsidiary | Westchester Group Investment Management, LLC | Member | 100.0 | Vineyard crop management. |
| MyVest Corporation | DE | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Shareholder | 100.0 | To provide digital financial account management services. |
| Nuveen Administration Limited | United Kingdom | Operating Subsidiary | Nuveen Investment Management Holdings Limited | Shareholder | 100.0 | To provide administrative services and act as employer. |
| Nuveen Alternatives Advisors LLC | DE | Operating Subsidiary | Nuveen Alternative Holdings LLC | Member | 100.0 | To provide advisory services for alternative investments. |
| Nuveen Alternatives Europe S.à r.l. | Luxembourg | Operating Subsidiary | Nuveen Europe Holdings Limited | Member | 100.0 | To act as an authorized alternative investment fund manager and a management company. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Nuveen Alternatives Services LLC | DE | Operating Subsidiary | Nuveen Alternative Holdings LLC | Member | 100.0 | To provide administrative services and to act as general partner. |
| Nuveen Asset Management Europe S.à r.l. | Luxembourg | Operating Subsidiary | Nuveen Europe Holdings Limited | Member | 100.0 | To hold or distribute investments. |
| Nuveen Asset Management, LLC | DE | Operating Subsidiary | Nuveen Fund Advisors, LLC | Managing Member | 100.0 | U.S. Securities and Exchange Commission registered investment adviser. |
| Nuveen Australia Limited | Australia | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To provide real estate advisory and management services. |
| Nuveen Canada Company | Canada | Operating Subsidiary | Nuveen International Holdings LLC | Shareholder | 100.0 | To provide sales and marketing services with respect to the investment advisory and management services offered by its affiliates. |
| Nuveen Consulting (Shanghai) Co., Ltd. | China | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To provide investment consulting. |
| Nuveen Corporate Secretarial Services Limited | United Kingdom | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To provide administrative services. |
| Nuveen Development Management Services LLC | DE | Operating Subsidiary | Nuveen Real Estate Global LLC | Member | 100.0 | To provide construction and development management services. |
| Nuveen France SAS | France | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To provide real estate advisory services. |
| Nuveen Fund Advisors, LLC | DE | Operating Subsidiary | Nuveen Investments, Inc. | Member | 100.0 | U.S. Commodity Futures Trading Commission registered commodity pool operator. |
| Nuveen Fund Management (Jersey) Limited | Jersey | Operating Subsidiary | Nuveen Europe Holdings Limited | Shareholder | 100.0 | To manage real estate funds. |
| Nuveen Hong Kong Limited | Hong Kong | Operating Subsidiary | TGAM HK HC LLC | Shareholder | 100.0 | To serve as a regulated entity. |
| Nuveen Industrial Development Management Services LLC | DE | Operating Subsidiary | Nuveen Development Management Services LLC | Member | 100.0 | To provide development management, construction management, due diligence and other services to entities. |
| Nuveen Investment Management Holdings Limited | United Kingdom | Operating Subsidiary | Nuveen International Holdings 1 Limited | Shareholder | 0.4 | To act as the holding company for the legal entities. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Nuveen Investment Management Holdings Limited | United Kingdom | Operating Subsidiary | Nuveen International Holdings 3 Limited | Shareholder | 99.6 | To act as the holding company for the legal entities. |
| Nuveen Investment Management International Limited | United Kingdom | Operating Subsidiary | Nuveen FCACO Limited | Shareholder | 100.0 | To manage real estate funds. |
| Nuveen Italy S.r.l. | Italy | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To manage real estate investments. |
| NUVEEN JAPAN CO., LTD | Japan | Operating Subsidiary | Nuveen International Holdings LLC | Shareholder | 100.0 | To provide investment management, agency business, financial instruments exchange, market and investment research, and a financial distribution business office. |
| Nuveen Management AIFM Limited | United Kingdom | Operating Subsidiary | Nuveen Europe Holdings Limited | Shareholder | 100.0 | To act as an asset manager. |
| Nuveen Management Austria GMBH | Austria | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To manage real estate funds. |
| Nuveen Management Company (Luxembourg) No 1 S.à r.l. | Luxembourg | Operating Subsidiary | Nuveen Europe Holdings Limited | Shareholder | 94.4 | To manage real estate funds. |
| Nuveen Management Finland OY | Finland | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To act as an employing entity. |
| Nuveen Mob Development Management Services LLC | DE | Operating Subsidiary | Nuveen Development Management Services LLC | Member | 100.0 | To provide development management, construction management, and other services. |
| Nuveen Natural Capital Chile SpA | Chile | Operating Subsidiary | Westchester Group Investment Management, LLC | Shareholder | 100.0 | To facilitate management operations. |
| Nuveen Natural Capital LATAM Gestao De Ativos Ltda | Brazil | Operating Subsidiary | Westchester Group Investment Management, LLC | Shareholder | 100.0 | To manage farmland funds. |
| Nuveen Natural Capital Limited | United Kingdom | Operating Subsidiary | Westchester Group Investment Management, LLC | Shareholder | 100.0 | To manage farmland. |
| Nuveen Natural Capital S.r.l. | Romania | Operating Subsidiary | Nuveen Natural Capital Limited | Shareholder | 100.0 | To manage farmland. |
| Nuveen Natural Capital sp. z o.o | Poland | Operating Subsidiary | Nuveen Natural Capital Limited | Shareholder | 100.0 | To manage farmland. |
| Nuveen Opportunistic Strategies LLC | DE | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Member | 99.99 | Investment entity. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Nuveen Opportunistic Strategies LLC | DE | Operating Subsidiary | Teachers Advisors, LLC | Member | 0.01 | Investment entity. |
| Nuveen Property Management (Jersey) Limited | Jersey | Operating Subsidiary | Nuveen Europe Holdings Limited | Shareholder | 100.0 | To manage real estate funds. |
| Nuveen Real Estate Global Cities Advisors, LLC | DE | Operating Subsidiary | Nuveen Real Estate Global LLC | Member | 100.0 | To manage and advise legal entities. |
| Nuveen Services, LLC | DE | Operating Subsidiary | Nuveen, LLC | Member | 100.0 | To act as an employing entity. |
| Nuveen Singapore Private Limited | Singapore | Operating Subsidiary | Nuveen Group Holdings Limited | Shareholder | 100.0 | To act as a real estate investment advisor. |
| Pace Financial Servicing, LLC | DE | Operating Subsidiary | Nuveen CP LLC | Member | 100.0 | Servicing activities related to loans. |
| Paths Building Services LLC | DE | Operating Subsidiary | Paths Management Services LLC | Member | 100.0 | This entity will employ property site level employees. |
| Paths Construction LLC | DE | Operating Subsidiary | Omni Holding Company LLC | Member | 100.0 | To serve as construction management operating company. |
| Paths Development LLC | DE | Operating Subsidiary | Omni Holding Company LLC | Member | 100.0 | To serve as development operating company. |
| Paths Management Services LLC | DE | Operating Subsidiary | Omni Holding Company LLC | Member | 100.0 | To manage and operate real property. |
| Paths RMS LLC | DE | Operating Subsidiary | Omni Holding Company LLC | Member | 100.0 | To serve as maintenance operating company. |
| Permian Investor Asset Manager LLC | DE | Operating Subsidiary | Nuveen Permian Investor Asset Manager Member LLC | Member | 50.0 | To hold real estate. |
| Plata Wine Partners, LLC | CA | Operating Subsidiary | The Plata Wine Partners Trust | Member | 87.0 | To hold agricultural investments. |
| Private Debt carried Interest General Partner II S.à r.l. | Luxembourg | Operating Subsidiary | Arcmont Asset Management Holdco Limited | Shareholder | 100.0 | To provide financial services. |
| Reliant Safety LLC | DE | Operating Subsidiary | Omni Holding Company LLC | Member | 100.0 | To serve as safety operating company. |
| Santa Barbara Asset Management, LLC | DE | Operating Subsidiary | Nuveen Investments, Inc. | Member | 100.0 | To provide investment management services to Nuveen Group-sponsored investment vehicles. |
| Seven30 Insurance (Bermuda) Co. Limited | Bermuda | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Member | 100.0 | To act as the issuer of corporate self insurance. |
| Seven30 Re (Bermuda) Co. Limited | Bermuda | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Member | 100.0 | Reinsurance |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Symphony Alternative Asset Management LLCDE | Operating Subsidiary | Nuveen Asset Management, LLC | Member | 100 | To act as an asset manager of CLO products. |
| Teachers Advisors, LLC DE | Operating Subsidiary | Nuveen Finance, LLC | Member | 100 | To act as a registered investment advisor to provide investment management services. |
| TIAA Global Capabilities Private Limited India | Operating Subsidiary | TIAA Global Capabilities Singapore Holding Company Pte. Ltd. | Shareholder | 99 | To provide certain information technology related services and other support services. |
| TIAA Global Capabilities Private Limited India | Operating Subsidiary | TIAA Global Capabilities Holding LLC | Shareholder | 1 | To provide certain information technology related services and other support services. |
| TIAA Kaspick, LLC DE | Operating Subsidiary | TIAA-CREF Redwood, LLC | Member | 100 | To act as a registered investment adviser and provide investment advice and gift administration services to charitable organizations and other non-profit institutions through investment management and gift administration agreements with charitable organizations. |
| TIAA Trust, National Association NC | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Shareholder | 99.995 | To support TIAA's Wealth Management and Pension business lines. |
| TIAA Wealth Investment Management LLC DE | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Member | 100 | A registered investment advisor offering investment management services. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| TIAA-CREF Individual & Institutional Services, LLC | DE | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Member | 100.0 | To act as a registered broker-dealer and investment advisor and to provide distribution and related services for College Retirement Equities Fund, TIAA Real Estate Account and TIAA Separate Account VA-3, distribution services for the TIAA-CREF Funds, Nuveen Funds, and third party funds within retirement and savings plans and administrative services to tuition savings products. |
| TIAA-CREF Insurance Agency, LLC | DE | Operating Subsidiary | TIAA RFS, LLC | Managing Member | 100.0 | To offer insurance services and products. |
| TIAA-CREF Investment Management, LLC | DE | Operating Subsidiary | TIAA-CREF Asset Management LLC | Member | 100.0 | Registered investment advisor, which provides investment management services for College Retirement Equities Fund. |
| TIAA-CREF Life Insurance Company | NY | Operating Subsidiary – 1704(c) Insurance Subsidiary | Teachers Insurance and Annuity Association of America | Shareholder | 100.0 | A New York domiciled life insurance company that issues guaranteed and variable annuities and funding agreements to the general public. |
| TIAA-CREF Tuition Financing, Inc. | DE | Operating Subsidiary | Teachers Insurance and Annuity Association of America | Shareholder | 100.0 | To administer and provide program management services on behalf of state entities to qualified tuition programs formed pursuant to Section 529 of the Internal Revenue Code. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Westchester Group Farm Management, LLCIL | Operating Subsidiary | Westchester Group Investment Management, LLC | Member | 100.0 | Investment entity. |
| Westchester Group Investment Management, LLC DE | Operating Subsidiary | Nuveen Natural Capital, LLC | Member | 100.0 | Investment entity. |
| Westchester Group Real Estate, LLC IL | Operating Subsidiary | Westchester Group Investment Management, LLC | Member | 100.0 | To provide brokerage services related to agricultural investments. |
| Westchester NGFF Investment, LLC DE | Operating Subsidiary | Westchester Group Investment Management, LLC | Member | 100.0 | Investment entity. |
| Winslow Capital Management, LLC DE | Operating Subsidiary | Nuveen WCM Holdings, LLC | Member | 100.0 | U.S. Securities and Exchange Commission registered investment adviser. |

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\* Note: TIAA has control of the subsidiaries included in this filing (each, a "Subsidiary") through: (i) direct or indirect ownership of a majority of the voting securities of the Subsidiary; (ii) TIAA, or a subsidiary of TIAA, acting as asset manager or manager of the Subsidiary (or in a similar role); or (iii) corporate governance provisions present in the Subsidiary's constituent documents. 

**Item 30. Indemnification** 

Trustees, officers, and employees of TIAA may be indemnified against liabilities and expenses incurred in such capacity pursuant to Article Six of TIAA's bylaws (see Exhibit 6(B)). Article Six provides that, to the extent permitted by law, TIAA will indemnify any person made or threatened to be made a party to any action, suit or proceeding by reason of the fact that such person is or was a trustee, officer, or employee of TIAA or, while a trustee, officer, or employee of TIAA, served any other organization in any capacity at TIAA's request. To the extent permitted by law, such indemnification could include judgments, fines, amounts paid in settlement, and expenses, including attorney's fees. TIAA has in effect an insurance policy that will indemnify its trustees, officers, and employees for liabilities arising from certain forms of conduct.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to officers and directors of TIAA, pursuant to the foregoing provision or otherwise, TIAA has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in that Act and is therefore unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by TIAA of expenses incurred or paid by a director or officer in connection with the successful defense of any action, suit or proceeding) is asserted by a director or officer in connection with the securities being registered, the TIAA will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in that Act and will be governed by the final adjudication of such issue.

**Item 31. Principal Underwriters** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) TIAA-CREF Individual & Institutional Services, LLC acts as principal underwriter for Registrant, College Retirement Equities Fund, TIAA Real Estate Account, TIAA Separate Accounts VLI-I and VLI-2, TIAA Separate Account VA-1, TIAA Separate Account VA-3 and TIAA Separate Account VA-5.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Management

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| | |
|:---|:---|
| **Name and Principal Business Address\*** | **Positions and Offices with Underwriter** |
| Ross Abbott | Manager, Chief Executive Officer, Chief Operating Officer. President |
| Raymond Bellucci<br> James Deats | Manager, Senior Managing Director<br> Manager |
| Derek Heaslip | Manager |
| Benjamin H. Lewis | Manager |
| Niladri Mukherjee | Manager |
| Shankar Saravanan<br>Christopher Stickrod | Manager, Vice President<br>Manager |
| Christopher A. Baraks | Vice President |
| Helen Barnhill | Director, Chief Legal Officer, Assistant Secretary |
| Christopher Beam<br>Adrian Bishop | Assistant Treasurer<br>Compliance Officer |
| Troy Burk | Chief Anti-Money Laundering & Sanctions Officer |
| Christopher J. Heald | Treasurer |
| Lisa Humphries | Chief Conflict of Interest Officer |
| Jeremy Intihar | Managing Director |
| Jennifer Mangano<br> Jessica Martin | Chief Financial Officer<br> Chief Risk Officer |
| Eric Poe | Managing Director |
| Megan Sendlak | Managing Director, Controller |
| Scott Weinstein | Senior Managing Director, Chief Compliance Officer |
| Jeanne Zelnick | Secretary |

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\* The address of each Manager and Officer is c/o TIAA-CREF Institutional and Individual Services, LLC, 730 Third Avenue, New York, NY 10017-3206

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Not Applicable.

**Item 31A. Information about Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment** 

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Name of the Contract | Number of<br>Contracts<br>outstanding | Total Value<br>attributable to the<br>Index-Linked<br>Option and/or Fixed<br>Option subject to a<br>Contract<br>Adjustment | Number of<br>Contracts sold<br>during the prior<br>calendar year | Gross premiums<br>received during<br>the prior calendar<br>year | Amount of<br>Contract value<br>redeemed during<br>the prior calendar<br>year | Combination<br>Contract (Yes/<br>No) |
|  Investment Horizon Annuity | 142 | $17744916 | 6 | $1345228 | $2210421 | No |

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**Item 32. Location of Accounts and Records** 

All accounts, books and other documents required to be maintained by Section 31(a) of the 1940 Act and the rules promulgated thereunder are maintained at the Registrant's home office, 730 Third Avenue, New York, New York 10017, and at other offices of the Registrant located at 8500 Andrew Carnegie Boulevard, Charlotte, North Carolina 28262. In addition, certain duplicated records are maintained at Iron Mountain 22 Kimberly Road East Brunswick, NJ 08816, 64 Leone Lane, Chester, New York, 10918, 11333 East 53 Street, Denver, CO 80239, State Street Bank and Trust Company, 801 Pennsylvania, Kansas City, MO 64105, JPMorgan Chase Bank, 4 Chase Metrotech Center Brooklyn, NY 11245, and McCamish Systems LLC, Storage of Documents: Iron Mountain, 660 Distribution Drive, Atlanta, GA 30336, Storage of Electronic Date: Quality Technology Services, 300 Satellite Blvd, Suwanee, GA 30024.

**Item 33. Management Services** 

Not Applicable.

**Item 34. Undertakings** 

TIAA undertakes to file, during any period in which offers or sales are being made, a post-effective amendment to the registration statement to include any prospectus required by section 10(a)(3) of the Securities Act; and that, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

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**SIGNATURES** 

Pursuant to the requirements of the Securities Act of 1933, Teachers Insurance and Annuity Association of America certifies that it meets all of the requirements for effectiveness of this Post-Effective Amendment to the Registration Statement pursuant to Rule 485(b) under the Securities Act of 1933, and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Charlotte, and State of North Carolina on the 5th day of January 2026.

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| | |
|:---|:---|
| TEACHERS INSURANCE AND<br> ANNUITY ASSOCIATION OF AMERICA | TEACHERS INSURANCE AND<br> ANNUITY ASSOCIATION OF AMERICA |
| By: | <u>/s/ Colbert Narcisse</u> |

---

Name: Colbert Narcisse

Title: Senior Executive Vice President, Chief Product and Business Development Officer and Principal Executive Officer

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed below by the following persons on January 5, 2026, in the capacities indicated.

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| | |
|:---|:---|
| **Signature** | **Title** |
| **/s/ Colbert Narcisse**<br> **Colbert Narcisse** | **Senior Executive Vice President, Chief Product and Business**<br> **Development Officer and Principal Executive Officer** |
| **/s/ Christopher Baraks** | **Senior Vice President and Chief Accounting Officer and Corporate** |
| **Christopher Baraks** | **Controller, TIAA (Principal Financial Officer and Principal Accounting Officer)** |
| **SIGNATURE OF TRUSTEE** | **SIGNATURE OF TRUSTEE** |
| **\*** | **\*** |
| **Priya Abani** | **Edward M. Hundert** |
| **\*** | **\*** |
| **Samuel R. Bright** | **Gina L. Loften** |
| **\*** | **\*** |
| **Jason E. Brown** | **Ramona E. Romero** |
| **\*** | **\*** |
| **Jeffrey R. Brown** | **Kim M. Sharan** |
| **\*** | **\*** |
| **Angel Cabrera**<br>**\*** | **La June Montgomery Tabron** |
| **James R. Chambers** |  |
| **\*** |  |
| **Thasunda Brown Duckett** |  |
| **\*** |  |
| **Michael R. Fanning** |  |
| **\*** |  |
| **Lisa W. Hess** |  |
|  | **/s/ Aneal Krishnamurthy** |
|  | **Aneal Krishnamurthy**<br> Attorney-in-fact |

---

\* Signed by Aneal Krishnamurthy as attorney-in-fact pursuant to powers of attorney effective as of December 10-11, 2025.

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**Exhibit Index** 

(k) [Opinion and consent of Aneal Krishnamurthy, Esquire](d83355dex99ka.htm)

## Ex-99.(K)(A)

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| | |
|:---|:---|
| ![LOGO](g83355g1220170805648.jpg) <br>December 31, 2025 | **Aneal Krishnamurthy**<br> Managing Director, Associate General<br> Counsel<br> Product & Distribution Law<br>8500 Andrew Carnegie Boulevard,<br> Charlotte, NC 28262<br>704-988-7223<br>|

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Board of Trustees of

Teachers Insurance and Annuity Association of America

730 Third Avenue, 6<sup>th</sup> Floor

New York, New York 10017

Ladies and Gentlemen:

This opinion is furnished in connection with the initial Registration Statement on Form N-4 (the "Registration Statement") of Teachers Insurance and Annuity Association of America ("TIAA") being filed with the Securities and Exchange Commission under the Securities Act of 1933, as amended for certain individual flexible premium modified guaranteed annuity contracts (collectively, the "Contracts") issued by TIAA and marketed as the TIAA Investment Horizon Annuity ("IHA") pursuant to that certain merger of TIAA-CREF Life Insurance Company, a 100% owned subsidiary of TIAA, into TIAA. Pursuant to the merger agreement, TIAA will assume all rights and obligations under the Contracts.

I have examined, or caused to be examined, the Charter, Bylaws and other corporate records of TIAA, including TIAA's Plan of Operation for the Separate Account business, other organizational records of the Separate Account and the relevant statutes and regulations of the State of New York. On the basis of such examination, it is my opinion that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. TIAA is a life insurance company duly organized and validly existing under the laws of the State of New
York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. IHA is associated with TIAA Separate Account MVA-1, which is a
"separate account" of TIAA within the meaning of Section 4240 of the New York Insurance Law, duly established by a resolution of TIAA's Board of Trustees and validly existing under the laws of the State of New York.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. To the extent New York state law governs, the Contracts have been duly authorized by TIAA and, when issued
as contemplated by the Registration Statement, will constitute legal, validly issued and binding obligations of TIAA enforceable in accordance with their terms, subject, as to enforceability, to applicable bankruptcy, insolvency, fraudulent
transfer, reorganization, moratorium or other laws affecting creditors' rights generally from time to time in effect (including New York insurance company insolvency laws) and to general principles of equity (regardless of whether
enforceability is considered in a proceeding in equity or at law).

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I hereby consent to the use of this opinion as an exhibit to the Registration Statement, and to the reference to my name under the heading "Legal Matters" in the Statement of Additional Information.

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| |
|:---|
|  Sincerely, |
|  <u>/s/ Aneal Krishnamurthy</u> |
|  Aneal Krishnamurthy |

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