This is exactly my situation. My insurance company is MetLife. After several letters back and forth, MetLife has stated the dividends are taxable and will not issue a corrected 1099-R. My understanding is that without a corrected 1099-R, filing an amended tax return is not possible. I have been searching for a related IRS letter or ruling that supports my position but have not found one. I have not given up but so far have not found a way to contest MetLife's position on this issue. If you are more successful, please post to this thread again. I will do likewise.
