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While the exact best age to purchase a deferred annuity will be different for each annuity investor, financial planners generally agree that between the ages of 45 and 55 is optimal.
If your annuity is a qualified IRA, you are required under IRS regulations to take distributions each year beginning in the year you turn age 70 and 1/2.If your annuity contract is nonqualified, under the terms of the annuity contract you must surrender or begin annuity payments by age 99.f your annuity is a qualified IRA, you are required under IRS regulations to take distributions each year beginning in the year you turn age 70 and 1/2.