iXray Annuities

MetLife QLAC (Qualified Longevity Annuity Contract)

Some people can benefit from having some of their IRA or 401k money sheltered from required distributions.  The Qualified Longevity Annuity Contract (QLAC) allows the owner to postpone taking income from the age 70 1/2 to as late as the age 85.

There are just a few companies who have created products that allow for this to happen.MetLife QLAC

MetLife QLAC

Chances are the MetLife annuity has

A few reasons to consider acquiring a QLAC:

  • Postpone income as long as possible
  • if you have a concern of running out of money later in life
  • You simply don’t need or want the income

If you believe you fit one of those needs or know of another need or justification for a QLAC, let us know.

Here is our interest form:

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QLAC – 101 the basics

QLACs were in a design and regulatory definition phase for a while.  There are many reasons to consider a QLAC (Qualified Longevity Annuity Contract).  The regulations and guidelines were finalized and released in July 2014.

QLAC 101 the basics

In a nutshell, a QLAC allows the owner to shelter part of the IRA from required distributions.  When an IRA/401k owner reaches the age of 70 1/2 they must start taking distributions.  If they don’t need the money they may want to put that money into a QLAC.

QLAC annuity analyzerIf they want to ensure they never run out of money, this *might* fit.  It is likely that another annuity will be a much better fit.  Then the question becomes, which annuity is best.  Well, that depends on several factors.  W use something sophisticated, it is called math & logic, to analyze what is the best fit for each client.  Call and ask to speak with one of our annuity analysts.  We don’t share nor sell your information – you will only ever have one person to speak with from our company.


If you would like for us to help you determine what is the best fit for you, call us.  We can assist you for free or maybe a small fee, if you prefer.