For Longevity Protection, Consider a QLAC

A qualifying longevity annuity contract, or QLAC, can help you define a better retirement for yourself by providing guaranteed lifetime income.

An older couple hold hands as they walk along the beach at sunset.
(Image credit: Getty Images)

Please consider two new terms you should know in retirement:

  • Longevity protection. The steps you can take to ensure that the money you thoughtfully saved and carefully grew during your working years doesn’t run out before you do, no matter how long you live.
  • Qualifying longevity annuity contract. Commonly called a QLAC, this type of deferred income annuity funded out of your rollover IRA account provides guaranteed lifetime income starting at an age you select but no later than 85.

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Jerry Golden, Investment Adviser Representative
President, Golden Retirement Advisors Inc.

Jerry Golden is the founder and CEO of Golden Retirement Advisors Inc. He specializes in helping consumers create retirement plans that provide income that cannot be outlived. Find out more at, where consumers can explore all types of income annuity options, anonymously and at no cost.