Annunities are complicated and varied products. If the agent can't answer your questions, the insurance company should have a division that handles inherited products. Ask the agent for the contact information.I went to Fidelity, and asked their representative what Fidelity required regarding an estate issue. I remember the look of panic on his face. He gave me the phone number for division handling inheritad assets. The answers weren't what I wanted, but they were able to immediately and competently answer my questions.