Nonqualified
annuities (those held outside a
retirement account) generally have no requirement to withdraw your funds at any age unless required by the annuity contract
itself. Some contracts force distributions or annuitization to begin at a
certain age, generally from age 85 to 100. A few contracts do not require
distribution of the proceeds until death.
Your 1099-R
issuer is required to follow RMD rules and regulations, so if you received a
distribution and you're at least 70 1/2 years young, you can be almost certain
you received an RMD. Check with your plan administrator if you're still not
sure.
Required
Minimum Distribution (RMD) rules apply to all employer-sponsored retirement plans such as pensions, profit-sharing, 401(k),
403(b), and 457(b) plans, as well as Traditional IRAs and IRA-based plans such
as SEPs, SARSEPs, and SIMPLE IRAs. However, RMDs are not required for Roth IRAs while the owner is still alive
