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Who Maintains the Rights in an Annuity? Who actually has the legal power to make changes to an annuity—the annuitant or someone else? This video explains that it’s usually the owner who holds the key rights: changing beneficiaries, adding riders, surrendering or exchanging the contract, and choosing how and when income starts. We’ll show how those rights work when the owner and annuitant are the same person versus when a spouse, trust, or business owns the contract. You’ll see why it’s important
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