TIAA-CREF Life Social Choice Equity

The fund seeks a favorable long-term total return that reflects the investment performance of the overall U.S. stock market while giving special consideration to certain social criteria.

Unit value as of 01/07/2009: $19.46
Total return year-to-date as of 01/07/2009: 0.99%
Expense charge*: 0.67%
Inception date: 04/03/2000
Investment class: U.S. Equity

Performance Comparison
	Performance Data as of 01/06/2009			Average Annual Total Returns as of 12/31/2008
	Unit Value	Net Change	YTD Return	1 Year	3 Year	5 Year	10 Year	Since Inception
TIAA-CREF Life Social Choice	$20.07	+1.26%	4.13%	-36.23%	-9.02%	-2.18%	--	-3.79%
Russell 3000® Index^†	--	+1.00%	3.70%	-37.31%	-8.62%	-1.95%	--	-3.48%

The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your accumulation units, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above.

The risks that the fund is subject to include the risk of socially screened investing, market risk, company risk, index risk and foreign investment risks.

†

The Russell 3000® Index measures the performance of the stocks of the 3,000 largest publicly traded U.S. companies, based on market capitalization, and it measures the performance of about 98% of the total market capitalization of the publicly traded U.S. equity market. You cannot invest directly in this index. Russell 3000 is a trademark and service mark of the Frank Russell Company. TIAA-CREF products are not promoted or sponsored by, or affiliated with, the Frank Russell Company. You cannot invest directly in this index.

Includes both separate account and fund level charges. A portion of the separate account charges has been waived. The maximum total annual expense charge without the waiver is 0.87%. Separate account charges reflect the highest possible mortality and expense risk charge that can be lower. The unit value reflects the election of the Guaranteed Minimum Death Benefit. See the prospectus for additional information.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please click here or call 1 877 518-9161 for a prospectus that contains this and other information. Please read the prospectus carefully before investing. TIAA-CREF Life Insurance Company (TIAA-CREF Life), New York, NY issues after-tax annuities. Investment products are not FDIC insured, may lose value, and are not bank guaranteed.

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