So here is the answer to my original question for anyone that may have my same situation. The money in the annuity is in an account that is considered an IRA but we didn't receive a for 5498 with the year end value of the annuity because the monies in the account are not accumulating and cannot be withdrawn. Therefore it is not a "Traditional" IRA and we do not include its value in the Traditional IRA(s) total value since there will be no required distribution from these funds.
