Among the choices Trust Company professionals consider in managing investment portfolio is TIAA-CREF's family of low cost, diversified institutional mutual funds. Also available to Trust Company clients are TIAA-CREF Mutual Funds for individuals. You can appoint TIAA-CREF Trust Company as your sole trustee, in which case we'll act as if fiduciary and as investment manager of its assets. Life Insurance Availability - Both term and permanent life insurance policies are available through TIAA Life Insurance Company, a wholly owned subsidiary of Teachers Insurance and Annuity Association. For specific policies in your client's state, consult the Web Center's life insurance section.
Age restrictions differ by policy.
Substantial premium discounts are available for larger coverage amounts. Withdrawals - Term policies provide pure insurance protection and make no provision for cash values that can be withdrawn. Permanent insurance offers your clients liquidity in the form of cash values, which can be used for collateral as a loan or withdrawn by surrendering the policy.