How do a report a surrender value check from a personal life insurance policy. I didn’t have the taxes taken out. It has nothing to do with any employment?

Did you receive a 1099-R? Did the form or notice indicate the taxable value of the surrender? Generally, what is taxable is the amount that you received in excess of the premiums you paid.

Please read this thread and pay especial attention to the comments by dmertz. Then come back if you have more questions.