I was a life insurance beneficiary n need to file to get the 10% interest back the company's kept?

[MaryK4]

Just enter your 1099-R and the tax withholding will be added to your return.

[fanfare]

if the policy holder borrowed against the policy you can end up losing on the face value payout. Policy holder never knew what was going to hit you. Filing a return won't get that money back.