Ok ... several points ...
1) for now make sure the total RMD required from all IRA accounts are taken timely.
2) Ask for them to produce the work product in how the FMV is determined ... it is NOT a trade secret they need to hide from you.
3) consider annuitizing it to free up cash ... (After all it is an annuity with a death benefit and NOT a life insurance policy) .... you will need to do it eventually when you run out of money in the other IRA accounts ... you may find other investment opportunities that pay better ( and now you know why although you CAN put a tax deferred annuity into an IRA they are serious drawbacks of doing so).
