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[[ There is plenty of tax information on all sorts of IRAs, 401K and "normal"
annuity, but I have trouble finding any tax advices on commercial (non-qualified)

I guess I'm not sure what you mean by a "non-qualified" annuity. "non-qualified" in what sense. I'm not a life or annuity sales person, so I get a little hazy when when we get into "insurance speak".

[[ Am I stuck with my annuity in Prudential Security or there is a way to transfer it
somewhere or rollover like IRA without paying penalty for early withdrawals
and taxes on earnings? I don't mean brokarage penalty, just IRS.]]

If this is a "commercial" annuity, it is my understanding that you may be able to transfer it to another annuity using a Code Section 1035 exahcnge. But since this annuity is not currently in an IRA account, there is no way that I know of that you could move this annuity to an IRA (either Roth or regular).

[[ All advises will be greatly appreciated.]]

TMF Pixy, who is the host of the "retirement investing" folder is our resident specialist on annuity and retirement plan issues. You might want to take this question over to his folder for some additional clarification.

Sorry for the non-response response..
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