92 year with annuity

with

cash or surrender value of $950

and full market value of $14000.

Since cash value was less than RMD $1400 in 2023 company did not take RMD like they had for years, decades.

Now they say she can annuitize policy and starting this year RMD will be automatic for the next 10 years.

But they say there is no way for her to make the 2023 payment.

She has no other annuities or traditional IRAs to make the RMD.

Many thanks in advance for help

John