"In good order" (IGO) describes a submission that is complete, accurate, and ready for processing.In life and annuity operations it means all required forms are present, signatures and dates match,ownership and beneficiary designations are clear, replacement paperwork is included where applicable, and funding aligns with illustrations and disclosures. IGO submissions avoid back-and-forth, reduce cycle time, and prevent rescission during free-look due to misunderstandings.Carriers and distributors use IGO metrics to manage quality and placement ratios across advisors and channels.

Agencies enforce IGO checklists: signatures, replacement forms, AML, identity verification, funding,and matching illustrations. Submissions flagged NIGO are corrected before carrier upload, protecting cycle time and placement ratios.