why does my annuity that I cashed out in 2025 come as gross distribution?

[dsnash63]

I TOOK MY SAVINGS AND PUT IT IN AN ANNUITY FOR 3 YEARS .MY 3 YEARS WERE UP AND NOW I RECEIVE A 1099-R FOR THIS TO COUNT AS TOTAL DISTRIBUTION WHY?

[JamesG1]

IRS form 1099-R reports distributions  from profit-sharing or retirement plans, any individual retirement arrangements (IRAs), annuities, pensions, insurance contracts, survivor income benefit plans, permanent and total disability payments under life insurance contracts, charitable gift annuities, etc.  See Specific Instructions for Form 1099-R, page 1.