QLAC Guide 2026: How a Qualified Longevity Annuity Defers RMDs and Hedges Longevity Risk
A practical retirement-planner's guide to the QLAC (Qualified Longevity Annuity Contract): how a deferred-income annuity inside your IRA or 401k pays out as late as age 85, escapes RMD math, and hedges the risk of outliving your money — plus SECURE 2.0 changes, tradeoffs, and how to buy.