I am not sure I made this clear in my last post so I am going to try again. Husband dies, leaves wife an IRA annuity with a death benefit. she has option to continue contract but will forgo the higher death benefit if she chooses this option. therefore, she should choose the lump sum which will include the higher death benefit. when she receives that check, can she then put it into a rollover IRA under her name as long as she does it within a certain time frame?