QLAC Annuities

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Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time. For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Managing general agency - CA Insurance License #0B67385

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Annuitant Name:

Type Of Funds:

QLAC (Longevity DIA)

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Lifetime Income Options:

Lifetime ONLY

Lifetime With Cash Refund

Joint Lifetime Income Only

Joint Lifetime Income with Cash Refund

Date Of Premium Deposit:

Joint Annuitant Date Of Birth:

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Email: Adobe Acrobat PDF

Email: Text

Phone: Call

Annuitant Date Of Birth: *

State *

Payment Frequency: *

Monthly

Quarterly

Semi-Annually

Annually

The SECURE 2.0 Act increased the maximum amount that can be invested in a QLAC to $200,000 per individual, removing the previous 25% of account balance limit. This amount is adjusted for inflation annually, with the 2025 limit set at $210,000.
RMD Exemption: QLACs allow for a deferral of Required Minimum Distributions (RMDs) from qualified retirement accounts until the owner reaches age 85. The amount invested in a QLAC is not included in the RMD calculation, thus potentially reducing the annual RMD amount needed from other retirement funds.

Payout Options: QLACs offer various payout options, including life-only or life with cash refund, and can be structured for single or joint life (with a spouse). The payments must begin no later than the annuitant's 85th birthday.

Tax Benefits: By deferring RMDs, QLACs can provide tax benefits by potentially reducing taxable income during the deferral period.

Premium Deposit: *

Email: *

Date Of First Payment (Age 85 max):

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Phone:

Is Joint Annuitant Spouse:

Yes

Gender: *

Male

Female

Joint Annuitant Name (if any):

Qualified Longevity Annuity Contract

Joint Annuitant Gender:

Male

Female

Issue Ages:
40-75 (QLAC) money (A+) Carrier
18-83 (QLAC) money (A) Carrier

Income Start Date:
Between 2 and 40 years from purchase date

Policy Minimum:
Initial purchase payment: $5,000 - $20,000

Maximum purchase:

QLACs: $210,000 for 2025