Deferred Income Annuities — DIA & QLAC Rates
Compare deferred income annuity rates and qualified longevity annuity contracts. Lock in guaranteed future income starting at a date you choose.
Get Deferred Income Annuity Quotes
Enter your details to see personalized DIA income quotes. Choose when income begins — the longer you defer, the higher the payments.
Quotes are for illustration purposes. Income shown is monthly before taxes. All quotes sourced from CANNEX Financial Exchanges.
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Understanding DIAs and QLACs
What is a DIA?
A Deferred Income Annuity converts a lump-sum premium into guaranteed income that begins at a future date (typically 2 to 40 years after purchase). The longer you defer, the higher the eventual income payments.
What is a QLAC?
A Qualified Longevity Annuity Contract is a specific type of DIA purchased with qualified retirement funds (IRA, 401k). QLACs allow you to exclude up to $200,000 from RMD calculations until income begins, typically at age 80 or 85.
Longevity Protection
DIAs and QLACs are designed to protect against outliving your savings. By locking in future income at today's rates, you create a guaranteed income floor that begins when you may need it most -- in your later retirement years.
DIA vs. QLAC Comparison
| Feature | DIA | QLAC |
|---|---|---|
| Funding Source | Non-qualified or qualified funds | IRA or employer plan only |
| Maximum Premium | No regulatory limit | $200,000 (SECURE Act 2.0) |
| RMD Exclusion | No | Yes, until income begins |
| Income Start | 2+ years after purchase | Must begin by age 85 |
| Tax Treatment | Varies by funding source | Fully taxable as ordinary income |
| Primary Use Case | Future income planning | Longevity insurance + RMD reduction |
Factors Affecting DIA Rates
Like SPIAs, deferred income annuity quotes are highly personalized. Key factors include:
Rate Determinants
- Current purchase age
- Income start age (deferral period)
- Premium amount
- Payout option selected
- Current interest rate environment
- Carrier financial strength
Income Options
- Life Only -- highest monthly payout
- Life with Cash Refund
- Life with Period Certain
- Joint & Survivor
- Inflation-adjusted payments