Received 1099R From Ins but No Distribution Taken

[kl-sylva]

I received a 1099R from an life insurance company.  It shows a gross distribution of a few hundred dollars, but $0 taxable amount because I did not actually receive anything.  I am told this is some sort of fee or something on the John Hancock end.  However, TT program asks what I did with the money.  Either I moved it or I spent it.  I didn't do either of these things.  How do I answer this?

[dmertz]

You spent it on the fee.