Thanks to both you and gloriah5200 for your replies. You both illustrate that the answer to my question is not clear cut. I agree that the IRS does not give definitive guidance on how to include an IRA annuity's value on line 6 of Form 8606. Since the insurance company that holds the annuitized IRA annuity sent me a letter giving me it's FMV, then I will end up adding that amount to the value of my traditional IRA to enter on line 6. It seems strange that I'll use their inflated value on Form 8606, but then eventually not use it's value at all when it comes time to figure my RMDs. But RMDs are 5 years away, so I'll cross that bridge then. Thanks again for your input.
