Deferred Income Annuity & QLAC Quotes
A DIA annuity turns one premium into guaranteed future monthly income starting at the age you choose. Run a live quote across carriers and compare the result against an FIA income-rider path for the same start age.
Rate data freshness: June 27, 2026.
DIA quote
Guaranteed future monthly income by carrier, income option, current age, start age, gender, state, and premium.
Payout rate
Annual future income divided by premium, clearly labeled as payout rate.
FIA comparison
Income-rider path from the AdvisorWorld engine using the same premium, current age, state, and start age.
Deferred income annuity quote tool
Enter your premium, current age, and income start age, then request a live DIA quote. Deferred income annuity payouts are generated on demand by CANNEX per carrier, so this is a request, loading, response flow instead of a static table.
DIA income calculator
Premium to guaranteed future monthly income, ranked by carrier
Request a quote to see your future income
CANNEX returns each carrier's guaranteed future monthly income for your exact inputs.
Can an FIA outpay a DIA while keeping account value?
This comparison uses the top DIA quote above and the AdvisorWorld income-rider engine for the same premium, current age, income start age, life type, and state. The FIA side uses the same start age so the deferral period is like-for-like.
Comparison drawn from CANNEX DIA quotes and the AdvisorWorld FIA income-rider engine. These are different products: DIA income comes from annuitizing your premium for future income; FIA income comes from guaranteed lifetime withdrawals while account-value mechanics remain subject to contract terms. Where the DIA pays more, the page says so. Compare full income paths
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 quotes are priced on demand by carrier and input tuple. Premium, current age, income start age, gender, state, and income option all affect the guaranteed future monthly income.
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: DIA quote results are requested from CANNEX-backed quote APIs through AdvisorWorld and cached by exact input tuple for a short period. FIA comparison results come from the AdvisorWorld income-rider engine for the same submitted premium, current age, income start age, life type, and state. 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.