QLACguru.com
Insurance - Knoxville, Tennessee, United States
QLACguru.com Employees
QLACguru.com Details
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 their family, friends, and advisors -- determine whether a QLAC purchase is a good decision for them. 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 workforce.In fact, many Boomers are expected to live well into their nineties, causing them to become increasingly dependent on Social Security as they age.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!
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