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Question

What is a QLAC?

Answer

A QLAC, or qualified longevity annuity contract, is a deferred-income annuity that you purchase inside a retirement account such as an IRA or 401(k). It lets you defer a portion of your required minimum distributions until the income begins, no later than age 85. The 2026 premium limit is $210,000 per person across all your retirement accounts.

Related FAQs

Where can I find the current QLAC limit?

What happens to a QLAC when you die?

What is the difference between a QLAC and a nonqualified deferred-income annuity?
Retirement Financial Planning Retirement Planning Annuities Living in Retirement Tax Basics Cash Flow Management Investors FAQs
Last Updated Oct. 14, 2026
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