Viewing content for


Select Your State:

We want to make sure you get the appropriate information on products approved for sale in your state.


Sorry, this product is not available in your state.


Product Highlights

A deferred income annuity that can provide you with the financial security of a guaranteed income that can begin 2 to 40 years in the future.

Customer Needs

  • Stability of guaranteed, reliable income payments that can last a lifetime
  • A product that acts as a personal pension plan
  • Ability to defer income payments until much later in life

Qualified Longevity Annuity Contract (QLAC)

A QLAC is a deferred income annuity that pays a guaranteed income designed to begin at an advanced age, such as 80 or 85.

Learn more about QLACs


Issue Ages:

  • 40-75 for non-qualified and qualified longevity annuity contract (QLAC) money
  • 40 to 71 for qualified money

Income Start Date

  • Between 2 and 40 years from purchase date
  • Income start date can be changed once after purchase date
  • The date must be 2 years after the most recent purchase payment and can only be moved 5 years earlier or 5 years later than the date originally selected

Policy Minimum

  • Minimum initial purchase payment: $5,000
  • Minimum additional purchase payment: $2,000
  • Maximum for Qualified and Non-Qualified: $1 million
  • Maximum purchase payments for QLACs: $200,000

Additional Features

  • Income Payment Advance - can be elected up to three times and only is payments are received on a monthly basis (available only on Non-Qualified contracts)
  • Annual Increase Option - increase in annuity payments by either 1,2 or 3 percent beginning with the second year of payments
  • Income Start Date Adjustment - can be changed one time
  • Subsequent Options - subsequent contributions can be added at any time, up to 2 years before the income start date

Other Information

  • No surrender options once the consumer begins receiving payouts
  • Refund of purchase payment available during a free-look period (as required by state laws)
  • Deferred Income Protector FAQs

Payout Options

  • Single Lifetime Only
  • Single Lifetime Income with Cash Refund
  • Single Lifetime Income with Installment Refund (not available for QLAC)
  • Single Lifetime Income with Period Certain (not available for QLAC)
  • Joint Lifetime Income Only
  • Joint Lifetime Income with Cash Refund
  • Joint Lifetime Income with Installment Refund (not available for QLAC)
  • Joint Lifetime Income with Period Certain (not available for QLAC)

Death Benefit

Varies based on payout option selected

Licensing Requirements

  • State insurance license for life products
  • Appointed with United of Omaha
  • Anti-money laundering (AML) training


Something went wrong - Please report this problem to the portal administrator.

Login for More

There's More

Log in to Sales Professional Access to unlock even more detailed information and specialized tools plus your personalized reports.

Not Registered? All you need is your production number and you're ready. Sign up


Have a sales or marketing question, need technical assistance, or have an idea you want to share? Contact Support