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Subject:  Re: variable annuity question Date:  1/8/2004  8:19 PM
Author:  buzman Number:  38427 of 88520

So was this the best choice considering her circumstances?

No, far from it.

Contact TIAA-CREF and see if you can exchange it.

The suurrender charges will be high, but the lower annual expenses may negate the charges.

Tell 'em the buzman sent you!
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