I have a similar issue and was hoping to get some guidance here. I contacted the annuity service company and they are telling me that I take distributions from the growth first, which is taxable, and the tax basis - the amount of after-tax dollars I put in will come out last. I was not 100% that was correct, so I went ahead and used the simplified method to recalculate it as suggested by TurboTax, and it showed that my distribution was non-taxable. I double checked all of my inputs. I will need to do some research to verify which is correct. If I find something more helpful, I will add another reply.
