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?

[MonikaK1]

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.

[dmertz]

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.