When Can You Withdraw From Annuities? 
This depends on the type of Annuity . In an Immediate Annuity you are not able to withdraw from it at all . It pays you a set yearly income . Although sometimes there can be surrender features that give you a portion of your funds back . A Deferred Annuity usually allows for 10 % surrender charge free withdrawals during the surrender period . Some Annuities allow 5 % or 20 % withdrawals during the surrender period . Others allow for just the earned interest to be withdrawn . But the industry norm is 10 % . After the Surrender Period is over you are usually able to withdraw however much you want to . 