In-Plan Annuities: Help Secure Your Employees'
Retirement Future Today

More and more employees are looking to achieve a reliable retirement income with a pension-like guarantee. This guide explains how in-plan annuities differ from retail options--offering lower costs and simpler structures that will empower you to enhance your company's retirement benefits.

As an HR professional, guiding employees toward a secure retirement is a key responsibility. Many employees are seeking reliable, pension-like income—but the world of annuities can be confusing. It's your job to help them navigate these complexities and achieve the secure retirement they need.

This article clarifies the potential advantages of in-plan annuities available through workplace retirement plans compared to retail options. You'll discover how these employer-sponsored solutions can offer significant benefits to your workforce.

Download this article and discover:

• Why in-plan annuities are typically less complex and more cost-effective for employees
• How fiduciary responsibility aligns with offering simpler, high-value annuity options
• The key differences in features, costs, and tax advantages benefiting your employees
• How group purchasing power and risk pooling lead to better terms for participants

Equip yourself with the knowledge to better support your employees' financial well-being in retirement.

This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision. 

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

2025 © Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY.

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Offered Free by: TIAA