Free guide · No sign-up
QLACs in 5 Easy Steps
A Qualifying Longevity Annuity Contract (QLAC), sometimes called a qualified longevity annuity contract, lets you set aside part of an IRA for income later in life. The money in it is left out of your required minimum distribution (RMD) calculations until payments start. Ed Slott and Company explains how it works, on one page.
Download the free guide (PDF)One page. No email, no sign-up.
What the guide covers
- 1RMD (required minimum distribution) exclusion.
- 2The distribution deadline.
- 3How much you can put in. The guide is Ed Slott's 2025 edition. Its $210,000 limit is unchanged for 2026 (IRS Notice 2025-67).
- 4Facts to keep in mind.
- 5The death benefit.
Whether a QLAC fits you depends on your income, health, other savings and taxes. A QLAC is an annuity, which is an insurance contract, and it is not right for everyone. Any recommendation comes only after a suitability review.
Questions about QLACs?
Talk with Rick Loek, Licensed Insurance Agent
California Insurance License #0F34289