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Annuities to create guaranteed income for retirement an annuity is a contract with an insurance company that turns your contributions into a steady stream of retirement income A qualified longevity annuity contract (qlac) is a deferred income annuity bought with qualified retirement money that delays payments until later in life and can remove the premium from required minimum distribution (rmd) calculations for earlier years Based on your contract, you’re also able to determine the length of time during which you’ll receive payments (e.g., for your lifetime or a specific number of years).
