I'm sorry for your loss.
You do NOT qualify for the penalty exception. This, from Turbo Tax help:
You may not have to pay the additional tax if you took money out of a single-purchase annuity that provides equal payments (at least once a year). The equal payments have to begin within one year of the annuity purchase.
If this applies to you, enter the dollar amount you took out under these circumstances next to Other Reason. Then click Continue, and we’ll let you know how this changes your taxes.
If your reason isn't listed as an exception (on this screen or a previous one), you'll owe additional tax. This is true for most people who take money out of a retirement account before age 59 1/2.
Here are the exceptions (besides age):
1. I took money out due to a qualified domestic relations order (QDRO)
2. I took money out of a section 457 plan
3. I stopped working for the employer by March 1, 1986
4. I took money out from ESOP employer stock dividends
5. I took money out of a deferred annuity contract
