If Tax-Deferred Annuities Are Not Withdrawn at the Time of Your

If tax-deferred annuities are not withdrawn at the time of your death,then:

A) All gains over original cost associated with tax-deferred annuities are subject to tax at ordinary income rates
B) All gains over original cost associated with tax-deferred annuities are subject to 10% penalty
C) All gains over original cost associated with tax-deferred annuities are not taxable.
D) All gains over original cost associated with tax-deferred annuities are taxable up to the amount contributed.
E) None of the above