 I have $175,000 cash balance and a 457 plan of 150,000. Each has an annuity option where I could have the partner named as a survivor. Combined, they would pay $3,000 for my life and then hers. I think I should do this annuity because I plan the bulk of my assets to go to my daughter who's currently in her late 20s. Partner would leave all of her funds to her three kids. I love that plan.