BobKamman
Level 15

"Annuitant" is not owner or beneficiary.  Sometimes a younger person is named because older ones don't qualify.  Theoretically, it has been explained to me, someone can be pulled in off the street to serve as annuitant.  

How did the employer get involved?  Is this really a 401(k) ?  Was the deceased an owner of the company and this was some plan like split-dollar insurance that I avoid learning about?