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Life Annuity / Straight Life is an annuity payout option that provides payments over the life of the annuitant.
If an annuity owner decides to annuitize their contract they can choose how long the insurance company will be required to make monthly annuity payments to them. If the owner chooses straight life i.e.: life only, then the insurance company will make payments to the annuitant for as long as the annuitant is alive. Once the annuitant dies, the insurance company is no longer obligated to make payments, even if the entire contract hasn’t been paid out. This option results in the largest monthly payment to the annuitant.