Hello fellow Professionals...(can death settlement IRA, count toward surviving spouse RMD)
My clients economic gain opportunity is to elect a (5) year (increased reserve death benefit) vs. Spouse Continuation IRA, upon the death in Sept 2019, of her Husband's age at death 79, Surviving Spouse age 72.
Are there any opines as to the ability or acceptance to (utilize-treat) IRA death settlement remittance elected as installments (in this case 5 years), as satisfaction for Surviving Spouse, Inherited and Individually Owned IRA's (in this case the Surviving Spouse is age 72, post, age 701/2)?
Surviving Spouse (age 72) has her own IRA's, and inherited $200K, or deceased Spouse Brokerage IRA, (in addition to the annuity death benefit option IRA).
There seem to be different opines as to the ability of a deceased spouse Fixed Index Annuity (enhanced death benefits reserve) elected as Death Settlement Option, paid to surviving Spouse as primary beneficiary?