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Surrender charges are typically used for which kinds of withdrawals? 1. Withdrawals that exceed the free withdrawal privilege. 2. All withdrawals starting immediately after the

Surrender charges are typically used for which kinds of withdrawals? 1. Withdrawals that exceed the free withdrawal privilege. 2. All withdrawals starting immediately after the annuity transaction. 3. All withdrawals after an initial year-long waiting period. 4. None of the withdrawals typically require a surrender charge

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