How Fixed Annuities Fund a Qualified Longevity Annuity Contract

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How Fixed Annuities Fund a Qualified Longevity Annuity Contract

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Episode 80 of Annuities with Fexingo digs into the Qualified Longevity Annuity Contract (QLAC) — an often-overlooked retirement strategy that uses a deferred fixed annuity to delay required minimum distributions from a 401(k) or IRA until age 85. Lucas explains the regulatory cap of $200,000 or 25% of the account, how the QLAC rules changed in 2024, and why using a fixed annuity inside a QLAC can boost lifetime income while reducing taxable RMDs in early retirement. Luna brings up the trade-off around liquidity and estate value, and they walk through a concrete example — a 65-year-old with a $600,000 IRA who defers $150,000 into a QLAC — to show how the math works. No ads, just a focused look at one specific income product designed for longevity protection. #QLAC #QualifiedLongevityAnnuityContract #FixedAnnuities #RetirementIncome #RMDPlanning #LongevityRisk #DeferredAnnuity #IRA #401k #TaxPlanning #AnnuitiesWithFexingo #FexingoBusiness #BusinessPodcast #Finance #RetirementPlanning #IncomeProducts #InsuranceInvestments #LunaAndLucas Keep every episode free: buymeacoffee.com/fexingo

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