A Few Investment, etc., Questions

Is it possible to will an annuity to another person or persons, or does the investment die when I do?
Also, Is it easier to obtain a home equity or other kind of loan if one owns a a piece of property outright as opposed to having a life interest in it?

It’s easy enough to set up an annunity such that, should you perish before the payout, it’d be paid to another. Annuities aren’t my speciality, but I believe it’s called a survivorship stipulation. In any event, regardless of the name, I know that it’s a simple thing to provision within an annuity without willing it.