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Your options depend somewhat on how close the person is to you. If the person makes the mistake of getting too close, there's a high likelihood you can deflect his gun with a quick sweep of the arm, giving you time to draw your own before he can recover his balance. More advanced techniques are also available, but I am not going to advocate anyone do something that makes it more likely they will get shot. If a person has you dead-to-rights, your safest bet is usually to cooperate until they either make a mistake or they do something to make you believe they intend to kill you. Just be ready to move at a moment's notice, regardless of what path you take.
A good indicator that they intend to kill you rather than simply rob you is if they try to move you to another room. I do not remember the reference, but when a criminal tries to move you to a secondary scene there is a VERY high likelihood they're going to kill you.
There is no "one size fits all" here. You must keep your wits about you, pray you survive, and be ready to take action at a moment's notice, whether that action is diving to the floor or moving to deflect / disarm.
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