I’m a Financial Advisor, 28 yrs.
You need to contest the will.
But fact is, the IRA already had beneficiaries listed on them, as a contract. Same with the annuity.
Any bank or brokerage accounts may have had TOD/POD on them, a contractual beneficiary that supersedes a will and only requires a death cert for processing, not probate. Likewise, the annuity and ira are outside of probate.
I have once seen a successful fight in court on a TOD/POD listing. Stands for Transfer on death, Paid on death, synonymous terms.