Stretch Out An IRA With A Lifetime Annuity A collection of methods for tax-wise buyers. Desk of Contents. Annuitant getty A Certified Longevity Annuity Contract is a contract with an insurance coverage firm that (a) pays out a set month-to-month quantity starting at a sophisticated age and (b) is purchased inside an IRA. Probably the most you'll be able to put right into a QLAC is $135,000 or a fourth... #annuity #ira #lifetime_income #qlac #qualified_longevity_annuity_contract #retirement_income