How do I get my deceased parents annuity? The annuities are a life insurance product and they have a designated beneficiary. Most of the time, if it was your father’s annuity, he would’ve named your mother and vice versa. And they should designate an alternate beneficiary. But any about that is how you do it. If you’re the designated beneficiary, you have to send the death certificate to the company that issued the annuity or whoever purchased the annuity, and then they will send you the benefits of the annuity or give you any options as far as that’s concerned. So if there is no beneficiary or the beneficiary is deceased, then you must file a probate proceeding in order to obtain the annuity benefits. If you have any questions, give me a call at (727) 847-2288.