Just rec’d IRA Annuity YES. Even though the value is down, the actuarial value of the death benefit is still only 1% of total AV. Which means IF I had an RMD for 2009, the value for calc puposes would be 101% of AV. It also states that if the RMD was coming out periodically, I could stop the RMD at any time by request. I guess that means if I had the RMD coming out monthly, I could stop the RMD for the rest of the year, and roll the January payment back into the IRA. Of course one could have called in December and stopped even the January payment, as well.