If I use annuities to fund The Income for Life Model®, isn my client subject to the aggregate rules when drawing their income?
Remember, the aggregate rules only apply when taking systematic withdrawals from annuities when you have multiple annuities with the same insurance company written in the same calendar year. Since we typically use different insurers for the annuities, the aggregate rules would not be a problem. More importantly, when you annuitize, that income is not subject to the aggregate rules. The rules only apply to systematic withdrawals.
