@dmertz , I understand you post but let me give juat a bit more of my situation.
From my original post I mentioned the Insurance Company told me by phone that it looks like I may not have a taxable event but did not say I would not get a 1099-R when asked by phone.
What I should have mentioned in my original post was that the Surrender Letter I received said in plain letters that I may owe taxes. Not only did it say that but they highlighted it in yellow.
I always file my tax returns that show every event that needs to be reported and/or events that may be questioned if not included. I am cautious always and very meticulous.
THX for your input.
