Will I have to pay taxes on a Metlife life insurance surrender?

I am middle age, on SSDI. It is a combo life/retirement plan. I will never have dependents as I am to ill to have children. If I live to retirement age I will likely have an inheritance and be eligible for a reverse mortgage.

I need the money for my needs now.

It was originally a combo disability/life/retirement. The disability ran out after 5 years and was not taxed income.

Also, I will have more deductions (property tax, mortgage interest, medical, etc) than the amount of the surrender amount and my taxable income combined.

There is no point in selling my home as it is cheaper than renting a tiny apartment.

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