Should I keep these two investments

Hi, i have metlife investors ins. co.(5figures) I have $26,000 less than this time this time last year. I do, however have $300.00 taken out per mo. to help with bills. I also have Hartford Leaders variable annuity. I have nothing taken out, and have $22,000 less than this time last year. What should I do? Are these wise investments? This has a death benefit. Would I be better off with something else? I am a 68 year old widow. I also have portfolio questions, but thought I would start here. My husband was a hard working blue collar worker, so I don`t need to tell you that I am not rich, but I do need to protect what I have. Hope someone more knowledgeable than I can give me some advice. Thanks in advance.