i have a question about annuities. [View all]

so, i'm about to put the cutest house in my zipcode on the market, and looking at making some changes in my money. it's time to shift from growth to income. i mostly live on rents.
i have my fp looking at things for me now.
but i have a friend who worries about me who has been bugging me about annuities. now, he doesnt rly know my net worth, that just that i have rentals that are a drag atm.
but i'm thinking it would be smart for me to have a couple for my disabled kids.
1 is on ssi, certified. her dad is helping her now, and can easily afford it. but who knows? if he ever gets in a spot where he cant help enough, i would like to know i can step up.
we're on the outs, and at no future point do i see her asking me for help. but if we patched things up, which i think we will, even if her dad is helping her, a little extra would be welcome. she cant have kids, and she has a honey she cant marry w/o fucking up her bennies. but i think she would like to have a kid.
i also have 2 other successful kids, 1 healthy as a horse, but an amateur athlete, the other is successful despite the family curse of autoimmune disease.

the other has both physical and mental issues but refuses to have anything to do w docs, so cannot get bennies. his dad and i have been supporting him off and on since shortly after i kicked him out of my house. he just moved back in. i had hopes he was in a better place, but alas he only thinks he is. he'll be fine when i go. if he's still here, he gets the house, as well as responsibility for the pets. there'll either be income from the sale of the rest or from rents. likely sale.

so, it's not a matter of basic money, but what if money. but in both cases, a little money in their direct control would be a boost to both of them. and a cushion for the other 2 doesnt hurt.

so, here's the question- how soon can you draw on an annuity, and can you define your own trigger for dispersal? is disability of the beneficiary a thing, or is it just me? dead or disabled? or a certain age?
tia