And today we're doing even more. While continuing to provide retirement plans, TDAs, and individual insurance to educators across the country, we're steadily expanding our menu of products and services and offering more and more of them to people in all walks of life.
IRAs are open to spouses of people in education and research.
And our mutual funds IRAs, tuition savings programs, and trust services are available to the public at large. TIAA is the Teachers Insurance and Annuity Association, one of only three U.S. firms to hold triple-A ratings from all four major independent analysts of the insurance industry. CREF is the College Retirement Equities Fund, an open-end, diversified management company registered with the federal Securities Exchange Commission. TIAA-CREF has been on Western campuses since 1918, when Colorado College became a founding member of TIAA and the first institution to make a premium payment.