When is your annuity ready so that you can get without losing any of it?

An annuity is typically ready for withdrawal without penalties once you've reached the end of its surrender period, which can range from a few years to over a decade, depending on the contract. Additionally, if you wait until you reach the age of 59½, you can generally withdraw funds without incurring early withdrawal penalties. It's essential to review your specific annuity contract for exact terms and conditions. Always consider consulting with a financial advisor for personalized guidance.