We have finally gotten a response from MassMutual, and they said that "the IRS has given insurance companies certain minimum reporting guidelines as to net gain and 1099 requirements", and that our net gain (which we now finally know!) was less than the minimum amount. Just a note here - our net gain was well over $2000., so there's no telling what that minimum is. It certainly isn't $10. And they do add that our net gain is considered income. So, we have to report, but we don't get a 1099. Pretty cruddy.
