Jane -The 10% transfer "allowance" may actually be available to you to transfer part of your balance anywhere, including using "Revenue Ruling 90-24" to make partial transfers to another 403b or 403b(7) account. The only sticking point may be your employment... are you still employed with the same school/non-profit where you began the annuity? That could restrict your options to another "like" account, rather than IRA, etc.Good luck, PP
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