Inheriting an annuity and not receiving any distribution from it in the year is not a reportable event. You only report distributions from the annuity.
In almost all situations, it is more beneficial to file Married Filing Jointly than Married Filing Separately.
Please read this TurboTax Help topic for more information.
You can also simulate your situation by creating mock TurboTax accounts and prepare mock tax returns to compare taxes between Married filing jointly and Married filing Separately before deciding on your filing status.
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