Welcome! Thank you for your question.
You need to take the contract to an estate
litigation attorney immediately. The annuity contract itself is what governs the requirement for distribution to beneficiaries after the annuitant (your sister) dies. It it possible that the contract would only then continue for the life of her husband. However, it is just as possible that the contract would pay out to named beneficiaries. There is unfortunately no way to know unless a lawyer has reviewed the contract itself.
If the lawyer finds that the contract does pay to a beneficiary then all it may take is a letter from the lawyer to get the payout that you deserve. If the company must be sued for the payout you possibly could hire the lawyer on a contingency basis where the lawyer would get paid a percentage of the recovery instead of paying an hourly rate fee. Attached is a link to a great website to find a lawyer in your area.
I did a search for estate litigation attorneys in NY State. If you enter in your area then it will narrow the list. I would pick the highest peer review rated first.http://www.lawyers.com/estate-litigation/all-cities/new-york/law-firms/?ns=y&st=q&form=LHOM&tier=-1
I cannot provide you with legal advise. I have provided you with information about the law related to your question. My answer, and any information that you find online, should not take the place of having a consultation with a lawyer in your area to advise you regarding your specific issues.
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