Thank you for your response.
If you were the annuitant on the policy then you were the person entitled to receive benefits from the policy WITHOUT PROBATE
and the company was wrong to send it to the estate. If they did send it to the estate, the estate is bound to send you the money directly as it is not supposed to be part of the estate. Additionally, if they improperly paid the money to the estate when you were named as annuitant (which is beneficiary of an annuity) then you can also sue the insurance company for improper handling of the annuity and for damages you incurred in having to recover that money by suing the estate which you will now have to do if the estate will not turn it over to you.
You would have to sue both the estate and the insurance company for return of your annuity money to you as annuitant.
Thank you so much for using JustAnswer.com. I truly aim to please you as a customer, but please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered. PLEASE use REPLY to EXPERT if you would like more information or if you feel something was not included in your answer.
Kindly remember the ONLY WAY experts receive any credit at all for spending time with customers is if you click on OK, GOOD or EXCELLENT SERVICE even though you have made a deposit or are a subscription customer. YOU MUST COMPLETE THE RATING FOR THE EXPERT TO XXXXX CREDIT, if not the site keeps your money on deposit.
Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.