If your annuity is truly a tax qualified IRA annuity then it would remain safe in a bankruptcy filing. Bankruptcy can be quite complex and there is a lot at risk. You would be well advised to consult with and retain an attorney to assist you.
Ask bankruptcy counsel anything to do with a possible bankruptcy. Good luck.
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If it is a real IRA, no.
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Federal law protects properly formed IRAs, even if there is no applicable sate exemption
If it is just a policy that an insurance salesman likes to call an IRA, you would need to look at the exemptions.
And take a hard look at it--insurance companies tend to charge several times as much in expenses as companies like Fidelity and Vanguard.
I agree with my collegues generally, but I don't know what you mean by "an annuity IRA within an insurance co." To get an anwer you can depend upon, visit with bankruptcy counsel and provide a description of the IRA with specificity. Good luck!
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