<<I own a Qualified Flexible Variable Annuity that I would like torollover into a better investment plan.It is still subject to a 5% surrender charge and has a Retirement date of2039. I'm middle age and have gone back to college so I would like to beable to borrow against the investment if needed. My new employers 401kplan will not let me rollover. I need to know what some of my options are
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