If an annuitant dies before annuitization occurs what will the beneficary receive?

If an annuitant dies before annuitization occurs, the beneficiary typically receives the accumulated value of the annuity contract or a death benefit, depending on the terms of the contract. This amount may be the total premiums paid, the account value at the time of death, or a guaranteed minimum amount, depending on the specific provisions outlined in the annuity agreement. It's important for beneficiaries to review the contract details to understand the exact payout.