Your DIA to match your personal circumstances.

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DIA Plan:

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Annuity Payments


The graph above is designed to show you the level of payments, when annuitants and any beneficiaries are paid, and the pattern of payments. Use the graph to compare different annuity options you select for Your Annuity.

Learn About Deferred Income Annuities

A Two-stage Retirement and Deferred Income Annuities
Jerry Golden, Founder Go2Income

Planning for old age is good. That is why I like income annuities as part of a retirement plan: because they guarantee income through your entire life, no matter how long you live... Read More

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Select Survival Age
DIA Payments
Advantage DIA

"Payments" above include (1) periodic amounts paid to annuitant(s) through the selected survival age, and (2) any residual amount paid to the beneficiary at the survival age. A negative "Advantage DIA" will likely occur if you select a young survival age.

Supplementing QLAC


Don (age 60) has become aware of the late-in-retirement expenses his parents are incurring, while seeing them spending down their savings. While Don is reasonably well-off he doesn’t want that to happen to him, since he’d like to leave a legacy for his kids. Allocating $100,000 of his IRA account will provide him with $30,000 of lifetime Income (life only form of annuity) starting at age 80. He would also like to have additional guaranteed income.


With DIA’s greater flexibility, Don constructs his own Income plan by purchasing a DIA that provides $25,000 for life starting at age 70, and another DIA providing $50,000 for life year starting at age 90. The DIA premium is $200,000 for the former and $100,000 for the latter. As a result, with a QLAC and the two DIA contracts, he has additional income as follows: 70 to 80 - $25,000; 80 to 90 - $55.000; and 90 and later - $105,000. For this peace of mind, Don allocated just $400,000 of his personal savings.

Sale of Business


Marilyn (age 55) received a large amount of money ($1,200,000) on the sale of the business she started. She will remain as a consultant to the company and receive consulting fees for the next five years that should cover her basic living expenses. She has a small 401(k) balance that she wants to build up until age 70½. She also wants to delay electing Social Security until age 70.


Since she needs income from 60 to 70 to cover all of her expenses, plus income starting at 70 to supplement her 401(k) and Social Security, after maxing out her QLAC election in her 401(k) with income to start at age 80, she allocated 30% of sale proceeds or $360,000 to purchase a DIA with income of $22,500 starting at her age 60. She supplements that income with dividends on the balance (70%) of her investment portfolio.

Exchanging a Single Premium Deferred Annuity (SPDA)


Mike (age 62) has accumulated a substantial amount of money ($150,000) in a SPDA, but recent crediting rates have been lower than when he first purchased the contract. He’s thinking about taking withdrawals from the contract but understands they’re taxable, and he doesn’t need the cash now. He’s also aware any gain from his original premium investment of $80,000 will be taxable at ordinary income rates at his death. He just can’t predict how much the SPDA will be worth to him at his planned retirement in 10 years.


Mike decides to exchange his SPDA for a DIA using the tax-free 1035 Exchange privilege. He elects to have income start at age 70 when Social Security and IRA withdrawals begin. With the $150,000 current balance he can purchase $20,000 of guaranteed annual income, of which a portion will be excluded from tax.

DIA Plan Options

Depending on your objective, you can select a DIA Plan to help meet that objective.
By selecting Max Deferral you are deferring payments until the Income Start Age you select.
If you select Income Plan* you are phasing in your guaranteed income as follows:

  • For current ages under 64, your income phases in at 70, 75 and 80
  • For current ages 65 to74, income phases in at 75, 80 and 85
  • For current ages 75 to 79, income phases in at 80 and 85
  • For current ages 80 and over, income starts at Income Start Age you select.

  • Please Request an Appointment with a Go2Specialist if you'd like a customized Income Plan.

    *You may not specify the Income Goal for an Income Plan. The Income Goal illustrated for an Income Plan will be the initial payment.