Required minimum distributions start at 73 for many Carlsbad retirees, and a qualifying longevity annuity can delay part of them. We compare annuity options and explain how each one fits a retirement income plan.
Tell us about your retirement accounts, and a licensed agent will follow up by phone or video.
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Federal rules set when withdrawals start and how much can go into a QLAC. Here are the 2026 figures.
| Rule | 2026 figure | What it means |
|---|---|---|
| RMD starting age | 73, or 75 if born in 1960 or later | Withdrawals from IRAs and most workplace plans begin |
| QLAC limit | $210,000 per person across retirement accounts | That amount can be excluded from RMD calculations |
| Married couples | Each spouse has a separate QLAC limit | Up to $420,000 combined |
We map when each income source starts, including RMDs.
We compare QLACs and other deferred income annuities.
We work alongside your tax professional on the details.
Required minimum distributions start at age 73 for most people today, and at 75 for those born in 1960 or later. They apply to traditional IRAs and most workplace retirement plans. The amount is based on your account balance and life expectancy, and missing one can trigger a federal penalty.
A qualifying longevity annuity contract is a deferred income annuity bought with retirement account money. In 2026, you can put up to $210,000 into QLACs across your accounts, and that amount is left out of your RMD calculation until income starts, which can be as late as age 85.
QLACs tend to interest retirees who don’t need all of their RMDs for current spending and want income that starts later in life. Because the money is committed to future income, it’s less accessible than other savings. We compare QLAC payout rates and features across insurers so you can weigh them.
Some annuities offer riders that increase income if you need help with daily activities, and some hybrid products combine an annuity with long-term care benefits. These features vary widely and add cost. If care costs are a concern, we compare products that address them alongside other options.
If you’re 60 or older, California gives you at least 30 days after delivery to review and return a new annuity. Use that time to confirm the surrender schedule, income terms, and any rider costs match what you discussed before applying.
Tell us about your retirement accounts, and a licensed agent will lay out options by phone or video.
Annuities are insurance products, not bank deposits, and are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Guarantee association coverage is subject to limits and conditions. Surrender charges may apply. We do not provide tax or legal advice.
