I am not an expert on this @GeorgeM777 but here is what I think the answers are - if I understand a surrender period, it means the time when the funds can be withdrawn without penalty? As charitable annuities, the principal donated can never be withdrawn (I can verify that if it's important). And yes, the owner is over 59 1/2.
You said the MD pension exclusion includes retirement annuities, but these two are not retirement annuities, with an 'F' designation they are charitable annuities.
