My husband has a small annuity as a pension

There are several ways he can have the money dispersed. He can choose to get xxxx amount for his lifetime. I would get nothing if I outlived him. He can chose to draw about 90.00 less and I would be able to draw the same amount if I outlived him. For about 45$ less than the highest amount I could get 1/2 of the amount he got if I outlived him. What are your thoughts?