More on Individual Retirement Annuity MRD (RMD)

Connecting to an earlier post, I understand that you can withdraw from variable annuity anytime before annuitizing in such case taxes are due on the fraction that is considered gain. BUT once is annuitized the amount distributed is based on the insurance actuarial tables; that may or may not exceed the MRD.

Are all annuities purchased with after tax dollar outside IRA (or Roth?) Individual Retirement Annuities? Or there are other types?

I do not expect a long education here, pointing me to some documents would be great. I will start with the documents listed in previous post if I can find them.

Thanks

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MG
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