You can take your money out of an annuity at any time, but understand that when you do, you will be taking only a portion of the full annuity contract value.

The default is the five-year rule.

Under it, the beneficiary or beneficiaries have five years to take out the proceeds of the annuity. They can take them out gradually or in a single lump sum anytime up until the fifth anniversary of the owner's death. But even a series of five equal distributions has tax drawbacks.

What are the rules for withdrawing from an annuity?
If you withdraw money from an annuity before you are 59 1/2 years old, you will generally have to pay a 10% early withdrawal penalty. Additionally, you may also have to pay surrender charges if you withdraw money from a deferred annuity before it has matured.

How are annuities distributed to beneficiaries?
After an annuitant dies, insurance companies distribute any remaining payments to beneficiaries in a lump sum or stream of payments. It's important to include a beneficiary in the annuity contract terms so that the accumulated assets are not surrendered to a financial institution if the owner dies.

https://www.google.com/search?q=how+soon+can+you+draw+on+an+annuity%2C+and+can+you+define+your+own+trigger+for+dispersal%3F+is+disability+of+the+beneficiary+an+issue%3F&oq=how+soon+can+you+draw+on+an+annuity%2C+and+can+you+define+your+own+trigger+for+dispersal%3F+is+disability+of+the+beneficiary+an+issue%3F&aqs=chrome..69i57.10299j0j7&sourceid=chrome&ie=UTF-

that's rly my ? what are the triggers. assuming 65, but also disability.
but what i'm talking about is setting them up for my dependents, which i assume is a different kettle of fish.

Check it out.

Lot of sales promotion, sales persons, management fees, executive salaries.

i told me friend they're for poor people.
but i'm wondering about whether there is something they invest in that i might find worthwhile.

for the trust. Fees are much lower.

good idea. can attach part of my portfolio for them.

They are not all the same, and the general trashing of them here is unwarranted.

I am taking the income from two annuities right now. I have a wonderful advisor who got me into them about a decade or so ago.

They are actually rather complex, and you probably need good advice from a good financial person before you consider purchasing any. Your exact goals, which you've outlined here, are very different from mine which was to provide me income in later life with residual value for my heirs.

Can I get my money back?

And I mean all of it with interest?

No honest investment person can answer this or if they do, they push it off to someone else.

Try some Series-I bonds. They are paying over 9% right now.