What Is/are the Advantage(s)to Purchasing an Annuity from Your Life

What is/are the advantage(s) to purchasing an annuity from your life insurer by using the cash value in your whole life policy,rather than cashing in the policy and using the withdrawn cash values to purchase an annuity from another company?

A) no new acquisition costs are charged, and, possibly better annuity assumptions
B) no new acquisition costs are charged, and, annuity prices are guaranteed to be low
C) no new acquisition costs is the only advantage
D) cheaper annuity pricing is the only advantage