TIAA CREF LIFE FUND
NSAR-A, 1999-08-30
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<PAGE>      PAGE  1
000 A000000 06/30/1999
000 C000000 0001068204
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 6.1
000 J000000 U
001 A000000 TIAA-CREF LIFE FUNDS
001 B000000 811-008961
001 C000000 8008422733
002 A000000 730 THIRD AVENUE
002 B000000 NEW YORK
002 C000000 NY
002 D010000 10017
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000  1
007 C010100  1
007 C020100 STOCK INDEX FUND
007 C030100 N
007 C010200  2
007 C010300  3
007 C010400  4
007 C010500  5
007 C010600  6
007 C010700  7
007 C010800  8
007 C010900  9
007 C011000 10
008 A00AA01 TEACHERS ADVISORS, INC.
008 B00AA01 A
008 C00AA01 801-46887
008 D01AA01 NEW YORK
008 D02AA01 NY
008 D03AA01 10017
010 A00AA01 STATE STREET BANK AND TRUST COMPANY
010 B00AA01 85-05003
010 C01AA01 BOSTON
010 C02AA01 MA
010 C03AA01 02210
011 A00AA01 TEACHERS PERSONAL INVESTORS SERVICES, INC.
011 B00AA01 8-47051
011 C01AA01 NEW YORK
011 C02AA01 NY
011 C03AA01 10017
012 A00AA01 STATE STREET BANK AND TRUST COMPANY
<PAGE>      PAGE  2
012 B00AA01 85-05003
012 C01AA01 BOSTON
012 C02AA01 MA
012 C03AA01 02210
013 A00AA01 ERNST & YOUNG, LLP
013 B01AA01 NEW YORK
013 B02AA01 NY
013 B03AA01 10019
014 A00AA01 TEACHERS PERSONAL INVESTORS SERVICES, INC.
014 B00AA01 8-47051
015 A00AA01 STATE STREET BANK AND TRUST COMPANY
015 B00AA01 C
015 C01AA01 BOSTON
015 C02AA01 MA
015 C03AA01 02105
015 E01AA01 X
018  00AA00 Y
019 A00AA00 N
019 B00AA00    0
020 A000001 SPEAR, LEEDS & KELLOGG
020 B000001 13-5515160
020 C000001      2
020 C000002      0
020 C000003      0
020 C000004      0
020 C000005      0
020 C000006      0
020 C000007      0
020 C000008      0
020 C000009      0
020 C000010      0
021  000000        2
022 A000001 J.P. MORGAN SECURITIES, INC.
022 B000001 13-3224016
022 C000001      5469
022 D000001         0
022 A000002 CHASE MANHATTAN BANK
022 C000002      4834
022 D000002         0
022 A000003 CREDIT SUISSE FIRST BOSTON
022 B000003 13-5659485
022 C000003      2357
022 D000003         0
022 A000004 LEHMAN COMM. PAPER
022 C000004       500
022 D000004         0
022 A000005 MORGAN STANLEY AND CO., INC.
022 B000005 13-2655998
022 C000005       275
022 D000005         0
022 A000006 GOLDMAN SACHS & CO.
<PAGE>      PAGE  3
022 B000006 13-5108880
022 C000006       135
022 D000006         0
022 C000007         0
022 D000007         0
022 C000008         0
022 D000008         0
022 C000009         0
022 D000009         0
022 C000010         0
022 D000010         0
023 C000000      13570
023 D000000          0
024  00AA00 N
026 A000000 N
026 B000000 Y
026 C000000 Y
026 D000000 Y
026 E000000 Y
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027  000000 Y
054 A00AA00 N
054 B00AA00 N
054 C00AA00 N
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 N
054 H00AA00 N
054 I00AA00 N
054 J00AA00 N
054 K00AA00 N
054 L00AA00 N
054 M00AA00 N
054 N00AA00 N
054 O00AA00 N
077 A000000 N
078  000000 N
080 C00AA00        0
081 B00AA00   0
082 A00AA00 N
082 B00AA00        0
083 A00AA00 N
083 B00AA00        0
084 A00AA00 N
084 B00AA00        0
085 A00AA00 N
085 B00AA00 N
<PAGE>      PAGE  4
086 A010000      0
086 A020000      0
086 B010000      0
086 B020000      0
086 C010000      0
086 C020000      0
086 D010000      0
086 D020000      0
086 E010000      0
086 E020000      0
086 F010000      0
086 F020000      0
028 A010100         3
028 A020100         0
028 A030100         0
028 A040100         0
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028 B020100         0
028 B030100         0
028 B040100         0
028 C010100       944
028 C020100         0
028 C030100         0
028 C040100         0
028 D010100       501
028 D020100         0
028 D030100         0
028 D040100         0
028 E010100       463
028 E020100         0
028 E030100         0
028 E040100         8
028 F010100       955
028 F020100        67
028 F030100         0
028 F040100        59
028 G010100      3020
028 G020100        67
028 G030100         0
028 G040100        67
028 H000100         0
029  000100 N
030 A000100      0
030 B000100  0.00
030 C000100  0.00
031 A000100      0
031 B000100      0
032  000100      0
033  000100      0
034  000100 N
035  000100      0
<PAGE>      PAGE  5
036 B000100      0
037  000100 N
038  000100      0
039  000100 N
040  000100 N
041  000100 N
042 A000100   0
042 B000100   0
042 C000100   0
042 D000100   0
042 E000100   0
042 F000100   0
042 G000100   0
042 H000100   0
043  000100      0
044  000100      0
045  000100 Y
046  000100 N
047  000100 Y
048  000100  0.300
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048 A020100 0.000
048 B010100        0
048 B020100 0.000
048 C010100        0
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048 I010100        0
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048 K020100 0.000
049  000100 N
050  000100 N
051  000100 N
052  000100 N
053 A000100 Y
053 B000100 Y
053 C000100 N
055 A000100 N
055 B000100 N
<PAGE>      PAGE  6
056  000100 Y
057  000100 N
058 A000100 N
058 B000100 N
058 C000100 N
058 D000100 N
058 E000100 N
059  000100 Y
060 A000100 Y
060 B000100 Y
061  000100        0
062 A000100 N
062 B000100   0.0
062 C000100   0.0
062 D000100   0.0
062 E000100   0.0
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062 L000100   0.0
062 M000100   0.0
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062 Q000100   0.0
062 R000100   0.0
063 A000100   0
063 B000100  0.0
066 A000100 Y
066 B000100 N
066 C000100 N
066 D000100 Y
066 E000100 N
066 F000100 N
066 G000100 N
067  000100 N
068 A000100 N
068 B000100 N
069  000100 N
070 A010100 Y
070 A020100 N
070 B010100 Y
070 B020100 N
070 C010100 Y
070 C020100 N
070 D010100 Y
070 D020100 N
070 E010100 Y
<PAGE>      PAGE  7
070 E020100 N
070 F010100 Y
070 F020100 N
070 G010100 Y
070 G020100 N
070 H010100 Y
070 H020100 N
070 I010100 Y
070 I020100 N
070 J010100 Y
070 J020100 Y
070 K010100 Y
070 K020100 N
070 L010100 Y
070 L020100 N
070 M010100 Y
070 M020100 N
070 N010100 Y
070 N020100 N
070 O010100 Y
070 O020100 N
070 P010100 Y
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 Y
070 R020100 N
071 A000100      5065
071 B000100      2266
071 C000100     28592
071 D000100    8
072 A000100  6
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072 C000100      187
072 D000100        0
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072 P000100        0
072 Q000100        0
072 R000100        0
072 S000100        0
072 T000100        0
<PAGE>      PAGE  8
072 U000100        0
072 V000100        0
072 W000100        0
072 X000100       43
072 Y000100       33
072 Z000100      182
072AA000100      192
072BB000100        0
072CC010100     2867
072CC020100        0
072DD010100        0
072DD020100        0
072EE000100        0
073 A010100   0.0000
073 A020100   0.0000
073 B000100   0.0000
073 C000100   0.0000
074 A000100      320
074 B000100        0
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074 D000100        0
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074 F000100    31950
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074 R020100        0
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074 R040100        2
074 S000100        0
074 T000100    32406
074 U010100     1113
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074 V010100    29.11
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074 W000100   0.0000
074 X000100        2
074 Y000100        0
075 A000100        0
075 B000100    28576
076  000100     0.00
<PAGE>      PAGE  9
SIGNATURE   THOMAS LYNCH
TITLE       VICE PRESIDENT


WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA-CREF
<SERIES>
   <NUMBER> 5
   <NAME> STOCK INDEX FUND

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<INVESTMENTS-AT-COST>                         28024831
<INVESTMENTS-AT-VALUE>                        31949712
<RECEIVABLES>                                   138323
<ASSETS-OTHER>                                  319643
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                32407678
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                         2140
<TOTAL-LIABILITIES>                               2140
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      28105344
<SHARES-COMMON-STOCK>                          1113388
<SHARES-COMMON-PRIOR>                          1006046
<ACCUMULATED-NII-CURRENT>                       183649
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                         191664
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       3924881
<NET-ASSETS>                                  32405538
<DIVIDEND-INCOME>                               187392
<INTEREST-INCOME>                                 4952
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   10232
<NET-INVESTMENT-INCOME>                         182112
<REALIZED-GAINS-CURRENT>                        191664
<APPREC-INCREASE-CURRENT>                      2866961
<NET-CHANGE-FROM-OPS>                          3240737
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         109759
<NUMBER-OF-SHARES-REDEEMED>                     (2417)
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                         6193241
<ACCUMULATED-NII-PRIOR>                           1537
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
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<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                  42824
<AVERAGE-NET-ASSETS>                       28591872.75
<PER-SHARE-NAV-BEGIN>                           26.050
<PER-SHARE-NII>                                  0.160
<PER-SHARE-GAIN-APPREC>                          2.900
<PER-SHARE-DIVIDEND>                             0.000
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<RETURNS-OF-CAPITAL>                             0.000
<PER-SHARE-NAV-END>                             29.110
<EXPENSE-RATIO>                                   0.04
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>


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