Surrendered a life insurance policy, received a letter but no forms such as an 1099R or 1099MISC. I was told to report as Ordinary Income, should I have received a form?

It depends. If the payment received consisted only of premiums paid, then there may not be a taxable amount. In many cases, you also receive accumulated earnings on the premiums.

 

Check with the company to see if they have a history of your transactions to help you determine whether the entire amount or a lesser amount should be taxable and whether they issued you a 1099-R, 1099-INT, or other tax form.

 

Please see this help article for more information.

 

Please see also this thread for another discussion of this issue.

 

If the insurance company knew that the distribution was not taxable, they are not required to report the distribution, otherwise they are required to  report the distribution on Form 1099-R.  If they were not required to send you a Form 1099-R and did not send you a Form 1099-R, nothing about this is reportable on your tax return.