1. Peggy MacePRO
    COO and Senior Agent, Outlook Life, All 50 States
    The annuity commencement date, or annuity start date, is the date that the annuity starts making payments to the annuitant. If an immediate annuity, this date is shortly after the annuity is purchased. If a deferred annuity, this will be some years in the future, after the annuity's accumulation phase.
    Answered on May 27, 2013
  2. David RacichPRO
    Fountain Hills, Arizona
    The Annuity Commencement Date is generally the distribution date selected by the annuity policy owner. That date could start immediately or deferred to a later date. And just to cover the other possible option to the question:  The Annuity Commencement Date could refer to the date the policy begins crediting whatever method the annuity is using. 
      
    Answered on May 27, 2013
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