Jeannette10, Get a hold of Fidelity or Schwab tell them your situation, they can help you out.They have a no-load annuity and commissions are lowand I believe they have no surrender charges.Tell them you want to do a "Direct Roll-Over" not a "Roll-Over" two different meaning.Call them or go to their website: http://www300.fidelity.com/http://www.schwab.com/I hope this helps?Have a good day and Fool-on!!!
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