Accelerating insurance processing, three ways to say goodbye to NIGOs through intelligent validation and automated workflows.

Your last Not In Good Order application cost you $2,300 yesterday. And there’s another one sitting on your desk right now. Insurance distributors lose millions to NIGO applications. NIGO rates reach 75-80% with paper processing, costing companies significant revenue and frustrating advisors.

But there’s good news: modern solutions reduce errors from 60% to under 10%. Three proven strategies can help eliminate NIGOs and transform application processing forever.

NIGO? More Like NI-Gone

Think of smart validation as your personal application bodyguard—catching errors before they become expensive mistakes. Missing credentials cause immediate application rejection. It ends up costing advisors valuable time and client trust.

Modern platforms prevent common application errors through automated validation. This technology confirms advisor licensing, appointments and state requirements before submission, stopping rejections before they happen. While validation catches errors upfront, the real magic happens in processing speed.

Cut Processing Time in Half

FireLight enables instant collaboration between advisors and carriers through a single code base. The platform flags missing signatures and payment errors immediately, removing bottlenecks before they slow down the process.

“Before, it would take a whole day to receive a batch, enter the data, send it to review, and run it through the review process. With the FireLight API, the process integrates data instantaneously,” says Steve Bianchi, Senior Consultant at Nationwide, which digitized 95% of their suitability data intake.  

One prominent insurance provider reduced NIGO rates from 87% to 12% through electronic processing. Delayed applications frustrate clients. It risks policy cancellation, leading to lost revenue. Faster approvals mean happier clients and fewer lost sales.

Speed matters, but accuracy demands current forms and requirements.

Never Use an Outdated Form Again

Remember the last time an outdated form cost you a sale? Outdated forms trigger automatic rejections across the industry, leading to wasted time and frustrated clients.

FireLight solves this by supporting multiple data formats for carrier connections. So, the platform maintains current documentation through automated updates. This prevents outdated forms that disrupt workflows and cause compliance issues.

With built-in e-signature features, FireLight also ensures every document is signed correctly at no additional cost. The result? Fewer rejections, faster approvals, and reduced compliance risks.

Join the Digital Leaders

Industry leaders no longer waste hours fixing paperwork errors. They’re focused on growing their business. The smartest organizations have already adopted digital processing and achieved an average NIGO rate of less than 10%.

Isn’t it time you stopped losing money to NIGO applications?

Take control of your sales process today. Consult with a FireLight expert on how you can build a better digital process.