TIAA-CREF Life Money Market

The fund seeks high current income consistent with maintaining liquidity and preserving capital by investing in high-quality short-term money market instruments.

Unit value as of 01/06/2009: $11.59
Total return year-to-date as of 01/06/2009: 0.02%
Expense charge*: 0.66%
Inception date: 07/21/2003
Investment class: Money Market

As of 01/05/2009:
7-day current annualized yield 1.05%
7-day effective annual yield 1.05%

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 Money Market	$11.59	0.00%	0.02%	2.24%	3.78%	2.93%	--	2.72%
iMoneyNet Money Fund Report Averages™ All Taxable^†	--	--	--	--	--	--	--	--

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.

An investment in this account is not a deposit of any bank and is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other U.S. government agency. It is possible to lose money in these funds. The current yield more closely reflects the account's current earnings than does the total return.

†	The iMoneyNet Money Fund Report Averages—All Taxable category is a simple average of over 1,000 taxable money market funds and you cannot invest directly in it.

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 0.86%. 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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