Annuity Premium Flexible Premium Deferred Varible Annuity?

Flexible Premium Deferred Varible Annuity? - annuity premium

My mother has a large sum of money in a flexible premium variable deferred annuity, there is no way I can invest money in tha a smaller house and pay a portion of your debts to be done? It is ready to bankrupsy just ask! Are there other options for them?