Who is the person putting money into an annuity and who has all the rights?

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The owner is the person who funds the contract and holds all the contractual rights. In an annuity, the owner controls the contract, can designate the annuitant (the life on whose life payments are based) and the beneficiary, and can make decisions about how funds are used or withdrawn. The annuitant is the individual whose life determines the timing and amount of annuity payments, but does not necessarily hold ownership rights unless they are also the owner. The beneficiary is the person who would receive benefits or remaining value if the contract pays out or after the owner’s death. The annuity itself is the contract, not a person. Since the question asks who puts money into the contract and has all rights, that is the owner.