It depends. A non-qualified annuity has no RMD while a qualified annuity does. An inherited account has rules.
An inherited non-qualified annuity requires you pay taxes on the earnings portion of withdrawals, not the principal, and have several payout options, including a lump sum, the 5-year rule, or a non-qualified stretch.
Talk to your financial account holder and find out what kind of annuity you have and the rules.
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