About QLACguru.com

The QLACguru.com web site is owned and operated by Real Time Capital, Inc. (RTC) a South Dakota Corporation.  RTC is a licensed insurance agency and technology development company. 

Real Time Capital, Inc.  does not sell investments, insurance or annuities.   The company receives its only income from referrals to licensed insurance agencies who, by knowledge, training, and ongoing customer service, are qualified to receive QLACguru.com referrals.

QLACguru.com Mission

Each QLACguru.com co-founder has worked for decades in the tax, financial planning, and life insurance industries.  Like many users of this site, the members of QLACguru.com leadership team are all Boomers in the “back nine” of their financial lives.   As such, QLACguru.com is dedicated to getting the word out about the QLACs and helping those planning for retirement -- or managing their retirement -- determine whether a QLAC purchase is a good decision for them. 









The Big Picture 

QLACguru.com’s leadership believes QLAC annuity purchases help address an important demographic need facing our country.  Boomers are living much longer than anyone at the Social Security Administration might have guessed decades ago when Boomers joined the work force.  (See Figure 1.)

In fact, many Boomers are expected to live well into their eighties, causing them to become increasingly dependent on Social Security as they age.  (See Figure 2 for an analysis of this trend.)  


Meanwhile, low interest rates, rapidly rising health care costs will take more out of Boomer pockets in retirement.[i]  By allowing Boomers to purchase QLACs with qualified assets (IRA, 401(k), 403(b) and other tax-qualified assets), the US Government is helping QLAC purchasers to manage their own longevity risk.  

For example, the Director of Research at the Washington-based Employee Benefits Research Organization found that “the transfer of longevity risk provides a significant increase in retirement readiness for the longest-lived quartile…. Sensitivity analysis on the QLAC premiums resulting from likely increases in future interest rates provides even more favorable results.[ii]”  In sum, the longer you plan to live, the more a QLAC purchase will make sense! 



[i] Munnell, Alicia H. "FALLING SHORT: THE COMING RETIREMENT CRISIS AND WHAT TO DO ABOUT IT." Center for Retirement Research at Boston College, Apr. 2015. Web. 27 Jan. 2016. <http://crr.bc.edu/wp-content/uploads/2015/04/IB_15-7_508.pdf>.

[ii] VanDerhei, Jack. "How Much Can Qualifying Longevity Annuity Contracts Improve Retirement Security?" Ebri.org. Employee Benefits Research Organization. Web. 27 Jan. 2016. EBRI Study