Non qualified annuity taxes

I have non qualified annuity 2 yrs old put in 100,000 cash do to reason had to take early withdrawal 50,000 I'm 55 so they took 10% early withdrawal plus surrender charge received 42,000 

Received 1099

Box 1 42,000 

Box2 taxable is blank

Box 2b taxable not determined is checked

Box 7 codes 2 of them D and 1

If I plug numbers in turbo they saying I still owe 10% when it was already with held plus tax on 42,000 

I was told by the community to enter 0 in taxable amount just want to see if it is correct