What are current QLAC rates?

QLAC rates change constantly and are based on your current age, gender, and when you’d like income to start. Using this QLAC Quote Tool, you can see quotes in real-time.

Also, the table below shows the annual income payments available for a $100,000 premium using some standard QLAC contract structures.

QLAC Quotes for January 2019

QLAC quotes shown as annual income for a $100,000 premium as of 1/1/2019. All quotes are life only. Joint quotes are for a male and female with the same age and 50% continuation.
Age Income Start Male Female Joint
60 75 $19,280 $17,240 $18,210
60 80 $32,930 $28,320 $30,460
60 85 $64,270 $52,500 $57,800
65 75 $15,390 $13,680 $14,420
65 80 $26,280 $22,580 $24,290
65 85 $51,760 $42,040 $46,400
70 75 $12,090 $10,930 $11,470
70 80 $21,720 $17,930 $19,580
70 85 $41,020 $33,920 $36,740

These are not binding quotes and they only show the highest available quote (which may be for an insurance company whose credit rating isn’t as high as other comparable products).

Using the QLAC Quote Tool, you can compare different providers based on when you want income to start, if you’d like to purchase a policy with a death benefit or inflation rider, and whether you’d like a single or joint product. You’ll find quotes for all of the following providers:

  • Guardian Life
  • New York Life
  • Lincoln Financial
  • Pacific Life
  • Principal
  • AIG (American General)
  • Americo
  • Mutual of Omaha

In addition, and contingent on the kind of product, you are looking for, you may also want to get a quote from Thrivent, Metlife and Northwestern Mutual (none of which are available on the Blueprint Income platform).

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Need more information about QLACs to help you better understand the quotes? Check out our QLAC Guide.