Avoiding Common Distribution Delays: Top NIGO Trends

July 6, 2026

To help reduce delays on annuity distribution requests, we have compiled a list of the most common reasons requests are considered Not in Good Order, also known as NIGO — along with simple steps to avoid them. Reviewing these upfront can help keep processing moving smoothly for you and your clients. 

Top Distribution NIGO Reasons and How to Avoid Them

Signature Mismatch
Signatures that don’t match what we have on file are one of the most frequent causes of delays.
How to avoid delays: Include a copy of the client’s valid photo ID or have the form notarized at submission.

Missing Certification of Trust
Requests involving trusts require documentation to validate authority.
How to avoid delays: Submit Form 21647 along with the trust’s title page and signature page.

Joint Owner or Annuitant Missing on Transfer Requests
When a policy includes a joint owner or annuitant, all parties must be included on the transfer paperwork.
How to avoid delays: Ensure the transferring company includes all owners and annuitants on every form and the Letter of Acceptance, referred to as LOA. 

Taking a few extra moments to confirm these items before submitting a request can help avoid unnecessary follow-up and keep your clients’ requests moving forward without interruption.

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