TIAA-CREF Life Small-Cap Equity

The fund seeks a favorable long-term total return, mainly through capital appreciation, primarily from equity securities of smaller domestic companies.

Unit value as of 01/07/2009: $33.39
Total return year-to-date as of 01/07/2009: -0.40%
Expense charge*: 0.71%
Inception date: 10/28/2002
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 Small Cap Equity	$34.50	+1.77%	2.94%	-32.78%	-9.59%	-1.76%	--	5.75%
Russell 2000® Index^†	--	+1.92%	3.06%	--	--	--	--	--

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.

Small-cap stocks may have limited marketability and may be subject to more abrupt or erratic market movements then large-cap stocks.

†

The Russell 2000® Index measures the performance of the 2,000 smallest companies in the Russell 3000® Index, which represents approximately 8% of the total market capitalization of the Russell 3000 Index. As of the latest reconstitution, the average market capitalization was approximately $530 million; the median market capitalization was approximately $410 million. The largest company in the index had an approximate market capitalization of $1.4 billion. The Russell 2000 Index and Russell 3000 Index are registered trademarks of the Frank Russell Company. Our accounts are not promoted or sponsored by or affiliated with 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 0.91%. Separate account charges reflect the highest possible mortality and expense risk charge although they may 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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