BOOK A CALL

DIA Calculator

Get Your Customized DIA Quote

If you’re considering a DIA, use our exclusive calculator to find the best option for you. 

  • Lifetime income stream
  • Applicable for IRAs, non-IRAs, and Roth IRAs.
  • Zero annual fees
  • Customize for period certain, lifetime income, and/or cash refund
Book A Call

What is a Deferred Income Annuity (DIA)?

A Deferred Income Annuity (DIA) is a financial product designed to provide guaranteed income starting at a future date of your choice. Often referred to as “Longevity Insurance,” it helps address concerns about outliving your savings. DIAs offer flexibility in planning for retirement or other long-term financial needs. They are an excellent solution for creating a secure, predictable income stream later in life.
  • ZERO annual fees
  • Can be funded with IRA, Roth IRA or non-qualified money
  • A Cost of Living Adjustment (COLA) can be included.
  • High rated carriers
  • Joint and single payouts available
  • Period certain options available

Deferred Income Annuities (DIAs): Guaranteed Income for Tomorrow

A Deferred Income Annuity (DIA) is designed for people who want guaranteed future income—starting later in life—while often receiving higher payouts than immediate annuities.


What Is a DIA?

  • You invest a lump sum (or sometimes multiple premiums).

  • Income starts at a future date you choose—often 2–40 years later.

  • Think of it as buying a “future pension” now, to cover essential income later in retirement.

Key Benefits

  • Lifetime Income Guarantee: Provides a steady stream of payments for as long as you live, starting at your chosen date.

  • Potentially Higher Payouts: The longer you defer, the higher your future income, due to growth and mortality credits.

  • Hedge Against Longevity Risk: Protects you if you live much longer than expected.

  • Tax-Deferred Growth: Premiums grow without current taxation until payments begin.

  • Customizable Start Date: Can align income with retirement milestones, Social Security delay strategies, or late-life planning.

Drawbacks to Consider

Downsides Details
Low Liquidity Once purchased, your money is locked in.
Inflation Risk Fixed payments may lose purchasing power unless inflation options are added.
Delayed Access No income until your chosen start date—requires other income sources in the meantime.
Limited Legacy Options Payments usually stop at death unless a joint or period-certain option is selected.
Interest Rate Sensitivity Buying in low-rate environments may result in lower payouts.

How DIA Payouts Are Determined

  • Premium amount – the more you invest, the higher the guaranteed income.

  • Deferral period – the longer you wait, the greater the payout.

  • Age and gender – life expectancy affects your income calculation.

  • Payout option – single life, joint life, or period-certain features change the amount.

  • Current interest rates – higher rates at purchase often mean higher payments.

Who Should Consider a DIA?

  • Individuals 5–20 years away from retirement who want to lock in future income.

  • Retirees using it as a “longevity insurance”—covering income starting at 75, 80, or later.

  • People who want to reduce market risk exposure and secure a guaranteed baseline income.

  • Those with other liquid assets available for near-term needs.

How the DIA Calculator Helps

The DIA calculator lets you:

  • Project your future income based on premium, deferral period, and start date.

  • Test different scenarios—start income earlier vs. later, single life vs. joint life.

  • Estimate the impact of inflation adjustments (fixed increases or CPI-linked).

  • Plan your retirement income layers, combining DIA payments with Social Security, pensions, or other annuities.

Pros vs. Cons

Pros

  • Guarantees income for life.

  • Can provide higher payouts than immediate annuities if deferred long enough.

  • Simple and predictable once set up.

  • Reduces longevity risk.

Cons

  • Money is illiquid once the contract is purchased.

  • Payments may not keep up with inflation without add-ons.

  • No benefit if you pass away early (unless optional riders are added).

  • Rates and payout amounts depend on market conditions at the time of purchase.

Final Thoughts

A Deferred Income Annuity is a powerful tool for building future financial security. By locking in guaranteed income to start later in life, you can reduce the risk of outliving your money, create predictable cash flow, and enjoy greater peace of mind in retirement.

Use the DIA calculator to see how your premium, deferral period, and payout choices translate into reliable income—and whether a DIA fits your long-term retirement plan.

Scroll to Top