Just got off the phone with TIAA. They confirmed the above options are the only options.
They said the variable annuities are actually mutual funds and that they just have to label them as variable annuities because they can be converted to variable annuities if she completes the paperwork.
I confirmed that with them twice.
WTF?
They said the variable annuities are actually mutual funds and that they just have to label them as variable annuities because they can be converted to variable annuities if she completes the paperwork.
I confirmed that with them twice.
WTF?