Direct answer
No, you do not have to take RMDs from a non-qualified annuity because it is funded with after-tax dollars, meaning the IRS does not mandate distributions like it does for qualified retirement accounts.
IRS Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs). For additional information about RMD requirements and tax treatment, see the Internal Revenue Service‘s guide on retirement topics.
What this means for you
No, you do not have to take RMDs from a non-qualified annuity because it is funded with after-tax dollars, meaning the IRS does not mandate distributions like it does for qualified retirement accounts.
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