Deferred Income Annuity & QLAC Quotes
A DIA annuity turns one premium into guaranteed future monthly income starting at the age you choose. Review published future-income estimates, then request a custom report when you want carrier-specific DIA, SPIA, FIA, or MYGA comparisons.
$2,539 / month starting at 70 - 12.19% annual payout rate
Published estimate current as of Jul 1, 2026. Request a custom report for carrier-specific pricing.
Rate data freshness: Published estimates as of Jul 1, 2026.
DIA estimate
Published future monthly income bands by premium, current age, start age, gender, state, and income option.
Payout rate
Annual estimated future income divided by premium, clearly labeled as payout rate.
Custom report
Optional advisor-prepared comparison across DIA, SPIA, FIA income-rider, and MYGA paths.
Deferred income annuity estimate tool
Enter your premium, current age, and income start age to review published future-income estimates. For carrier-specific DIA, SPIA, and FIA comparisons, request a custom report.
DIA income calculator
Premium to estimated future monthly income
Future-income estimates update instantly as you adjust the inputs.
life only - age 60 - starts age 70 - TX - single life
| Estimate band | Scope | Future monthly estimate | Payout rate |
|---|---|---|---|
Top future-income estimateTop band life only - single life | Highest public screening band | $2,539 | 12.19% payout rate - age 60 - starts age 70 |
High future-income estimate life only - single life | Upper carrier range before a formal illustration | $2,450 | 11.76% payout rate - age 60 - starts age 70 |
Mid future-income estimate life only - single life | Middle of the available public estimate range | $2,361 | 11.33% payout rate - age 60 - starts age 70 |
Lower future-income estimate life only - single life | Lower end of the public estimate range | $2,272 | 10.91% payout rate - age 60 - starts age 70 |
Want carrier-specific SPIA and DIA comparisons?
Send this scenario for a custom report comparing SPIA, DIA, and optional FIA or MYGA alternatives.
Published future-income estimates are educational screening values, not a binding carrier illustration, QLAC determination, tax opinion, or recommendation. Actual carrier quotes vary by state, premium, current age, start age, gender, life type, income option, quote date, and underwriting rules. Request a custom report before relying on any result.
Need the carrier-specific future-income comparison?
The public page provides a useful published estimate. A custom report can compare deferred income, immediate income, FIA income riders, and optional MYGA accumulation using carrier-specific information.
Custom report scope
How a DIA / QLAC works
Pick a future start age
You choose when guaranteed income begins. The quote labels the future monthly income by start age and option.
Defer for more income
The deferral period lets the carrier price a future income stream, often producing higher monthly income than a start-now design.
QLAC planning angle
A QLAC can remove the premium from RMD calculations while income is deferred. For 2026, the IRS dollar limit is $210,000.
QLAC rules are tax-sensitive. The contract must qualify under IRS rules, income generally cannot be pushed beyond age 85, and RMD treatment depends on the account type and the buyer's broader tax facts. Confirm QLAC suitability with a licensed professional and tax advisor.
Deferred income annuity FAQ
What is a deferred income annuity?
A deferred income annuity, or DIA annuity, is an insurance contract where a lump-sum premium is exchanged for guaranteed income that begins at a future income start age.
What is a QLAC?
A QLAC is a qualifying longevity annuity contract funded with eligible retirement money. It can exclude the premium from required minimum distribution calculations while income is deferred, subject to IRS rules.
What is the 2026 QLAC premium limit?
For 2026, IRS Notice 2025-67 (2026) says the limitation on premiums paid for a qualifying longevity annuity contract remains $210,000. The old account-balance percentage cap was repealed for contracts purchased or received after December 28, 2022.
How are deferred income annuity rates quoted?
DIA future-income estimates are driven by premium, current age, income start age, gender, state, and income option. Carrier-specific quotes require a formal report because pricing can change by carrier, state, and quote date.
Why compare a DIA annuity with an FIA income rider?
Both can create guaranteed income at a future age, but they give up different things. A DIA annuity annuitizes the premium for future income. An FIA income rider uses withdrawal mechanics while account-value features remain subject to contract terms.
Sources and data: Public DIA results are published screening estimates, not fresh carrier quotes or binding illustrations. A custom report can compare carrier-specific DIA, SPIA, FIA income-rider, and MYGA paths for the submitted scenario. QLAC limit reference: IRS Notice 2025-67 (2026) for 2026 retirement-plan amounts and IRS Form 1098-Q instructions for post-2022 QLAC premium-limit treatment. Income is guaranteed by the issuing carrier's claims-paying ability, not FDIC insured. Figures vary by state, premium, current age, start age, gender, income option, and quote date. Educational only - not advice, a binding quote, a tax opinion, or a carrier-approved illustration. Confirm with a licensed professional before relying on any result.