Insurer profile · TIAA · NAIC + CMS

TIAA Life

TIAA Life's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

A
Reputation grade
0.43
Complaint index
50
States active

The verdict

TIAA Life earns a A reputation grade - far fewer consumer problems than peers of its size, according to the NAIC's published complaint index, its ratio runs 0.43, below the 1.0 market average.

A
reputation grade
0.43
NAIC complaint index
AAA
Reputation grade A (composite score 82.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 69345 A · 82.8

GRADE-A · INDEX-QUIET · DENIAL-NONE · RANK-BEST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-A A · 82.8
  • INDEX-QUIET 0.43
  • DENIAL-NONE No CMS file
  • RANK-BEST #8/72
  • PHOTO-FINISH Kaiser Permanente · A
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Kaiser Permanente (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around TIAA Life

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

TIAA Life - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, TIAA Life has a lower (better) NAIC complaint index than 88% of the 72 rated insurers it tracks and ranks #6 of 16 carriers by complaint ratio in Life Insurance.

Source NAIC published complaint index (2024) As of 2026

Where TIAA Life sits on complaints

complaint index

What this shows TIAA Life's complaint index of 0.43 is 57% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

TIAA Life vs. the full rated-insurer dataset

43% Among the most affordable more affordable than 88% of 72 rated insurers

TIAA Life 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Life Insurance ~2,707 0.43 50

Life insurance market share

National ranking by direct written premiums, NAIC 2024

#71
Market share
0.17%
Direct written premiums
$275.1M
See the full market-share ranking →

What the NAIC filing desk shows for TIAA Life

According to PlainInsurer's dataset, TIAA Life has a lower (better) NAIC complaint index than 88% of the 72 rated insurers it tracks and ranks #6 of 16 carriers by complaint ratio in Life Insurance.

TIAA Life is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place TIAA Life.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for TIAA Life: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (82.8 here). Floored at 50+ complaints and 5+ states.

Mutual of Omaha 83.2 Principal Financial 80.8 USAA Homeowners 84.8 Kaiser Permanente 86.1

Similar complaint volume

Nearest carriers by NAIC complaint count (2,707 here). Deduped against the score peers so the two sets stay distinct.

Universal Property & Casualty 2,870 complaints Mercury Insurance 2,471 complaints USAA 2,099 complaints Gainsco Insurance 3,344 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about TIAA Life

What does TIAA Life's grade mean?
TIAA Life received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does TIAA Life have?
PlainInsurer estimates TIAA Life's complaint volume at roughly 2,707 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against TIAA Life?
File against TIAA Life through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is TIAA Life a good insurance company?
PlainInsurer's A grade for TIAA Life reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does TIAA Life offer?
Based on NAIC filing data, TIAA Life reports activity in 1 line of business: Life Insurance. Availability varies by state.

Verify TIAA Life

TIAA Life is filed with the NAIC under company number 69345. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for TIAA Life · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including TIAA Life, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation
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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.