This is a question you need to ask your family law attorney. You may also wish to consider consulting a family law appellate specialist. If it was truly a single life annuity benefit, the judge has no ability to grant you benefits not contained in the insurance contract.
Apparently, when you took out the annuity, you agreed to the single life plan which would terminate on the death of your ex. The result would have been different (and you collectively would have received less yearly income) if you had chosen a joint life annuity.
Unfortunately, as I see it, you are now stuck with the benefit of the bargain you struck in 2003 and the termination of all benefits when your ex dies.
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A cash value in an insurance plan IS divisible in a divorce matter. You would need to join the insurance plan or annuity plan to attach your benefits. Please seek the services of a skilled family law attorney.
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