Inheritance

[Par1]

My mom died in December of 2018. I received an inheritance check from a life insurance company.

This year, I received a 1099-R for that distribution. When I received the check, I had no idea that it was an IRA/Annuity distribution which has now opened up a whole can of worms. Had I know it was an not simply money like some of the other distributions she had, I would have taken this to my broker and opened another account with it.

This is causing me to have a substantial tax liability, do I have options?

[macuser_22]

If the 1099-R reports a taxable amount then that is taxable income to you regardless of what you did with the  money.    If you mean could you  have rolled it into another account tax free, then no, inherited retirement accounts cannot be rolled over by a non-spouse.