Retirement tax questions

I completed my 2020 taxes and Turbo Tax told me I could reduce my taxes by contributing to an IRA. $14,000 for me and my wife if we wanted to. I entered $4,000 and the program entered it and reduced my tax.

BUT when I sent my check to Standard insurance for $4,000 (to the same address and account as I have in other years) Standard sent my $4,000 back, saying I could not contribute? 

What do I do?