Yes, a variable annuity can include a death benefit. A death benefit is a feature that provides a payout to the annuity's beneficiary upon the death of the annuity owner. The death benefit amount can vary depending on the specific terms of the annuity contract. It is typically based on the greater of the annuity's account value or a specified minimum amount. The death benefit can help ensure that the annuity owner's beneficiaries receive a certain level of financial protection in the event of their death. However, it's important to note that the death benefit may come with certain conditions or limitations, such as fees or restrictions on how the benefit is paid out. It's advisable to carefully review the terms and conditions of the annuity contract to fully understand the death benefit provisions.