I'm not trying to argue semantics with you but surrender charges generally are unavoidable.This fee is avoidable by taking distributions other than a single-sum.So a participant can avoid this surrender charge. 1-800-842-2776 EXT 1 for further clairification.Tiaa-Cref is a bright shining light in rather putrid field. They are kinda like Al Franken, not perfect, but far superior to the competition.buzman
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