<PAGE> PAGE 1
000 B000000 12/31/1999
000 C000000 0001068204
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000 F000000 Y
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000 J000000 A
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003 000000 N
004 000000 N
005 000000 N
006 000000 N
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008 B00AA01 A
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008 D01AA01 NEW YORK
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008 D03AA01 10017
010 A00AA01 STATE STREET BANK AND TRUST COMPANY
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010 C01AA01 BOSTON
010 C02AA01 MA
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011 A00AA01 TEACHERS PERSONAL INVESTORS SERVICES, INC.
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011 C01AA01 NEW YORK
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012 A00AA01 STATE STREET BANK AND TRUST COMPANY
<PAGE> PAGE 2
012 B00AA01 85-05003
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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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> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 46441536
<INVESTMENTS-AT-VALUE> 54270837
<RECEIVABLES> 48205
<ASSETS-OTHER> 25557
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 54344599
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<OTHER-ITEMS-LIABILITIES> 3938
<TOTAL-LIABILITIES> 3938
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 46556953
<SHARES-COMMON-STOCK> 1746701
<SHARES-COMMON-PRIOR> 1006046
<ACCUMULATED-NII-CURRENT> 307
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 45900
<ACCUM-APPREC-OR-DEPREC> 7829301
<NET-ASSETS> 54340661
<DIVIDEND-INCOME> 440440
<INTEREST-INCOME> 20676
<OTHER-INCOME> 0
<EXPENSES-NET> 24543
<NET-INVESTMENT-INCOME> 436573
<REALIZED-GAINS-CURRENT> 293727
<APPREC-INCREASE-CURRENT> 6771381
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 437803
<DISTRIBUTIONS-OF-GAINS> 339627
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 718792
<NUMBER-OF-SHARES-REDEEMED> (3386)
<SHARES-REINVESTED> 0
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<ACCUMULATED-NII-PRIOR> 1537
<ACCUMULATED-GAINS-PRIOR> 0
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<GROSS-ADVISORY-FEES> 101980
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<PER-SHARE-NAV-BEGIN> 26.050
<PER-SHARE-NII> 0.260
<PER-SHARE-GAIN-APPREC> 5.260
<PER-SHARE-DIVIDEND> (0.260)
<PER-SHARE-DISTRIBUTIONS> (0.200)
<RETURNS-OF-CAPITAL> 0.000
<PER-SHARE-NAV-END> 31.110
<EXPENSE-RATIO> 0.30
[AVG-DEBT-OUTSTANDING] 0
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</TABLE>
Report of Independent Auditors
To the Shareholders and Board of Trustees of
TIAA-CREF Life Funds
In planning and performing our audit of the financial statements
of the Stock Index Fund of TIAA-CREF Life Funds for the year
ended December 31, 1999, we considered its internal control,
including control activities for safeguarding securities, in
order to determine our auditing procedures for the purpose of
expressing our opinion on the financial statements and to comply
with the requirements of Form N-SAR, not to provide assurance on
internal control.
The management of the Stock Index Fund of TIAA-CREF Life Funds is
responsible for establishing and maintaining internal control. In
fulfilling this responsibility, estimates and judgments by
management are required to assess the expected benefits and
related costs of controls. Generally, controls that are relevant
to an audit pertain to the entity's objective of preparing
financial statements for external purposes that are fairly
presented in conformity with generally accepted accounting
principles. Those controls include the safeguarding of assets
against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control to future periods is subject to
the risk that it may become inadequate because of changes in
conditions or that the effectiveness of the design and operation
may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American Institute
of Certified Public Accountants. A material weakness is a
condition in which the design or operation of one or more of the
internal control components does not reduce to a relatively low
level the risk that misstatements caused by error or fraud in
amounts that would be material in relation to the financial
statements being audited may occur and not be detected within a
timely period by employees in the normal course of performing
their assigned functions. However, we noted no matters involving
internal control and its operation, including controls for
safeguarding securities, that we consider to be material
weaknesses as defined above at December 31, 1999.
This report is intended solely for the information and use of the
Board of Trustees and management of the Stock Index Fund of TIAA-
CREF Life Funds, and the Securities and Exchange Commission and
is not intended to be and should not be used by anyone other than
these specified parties.
ERNST & YOUNG LLP
February 4, 2000
