My late mother had an annuity with a well known investment company. It was set up as a beneficiary disbursement upon her death to her 4 children. There is about $15,000 remaining. The company's policy is that they will not release any of the money unless all 4 children make a request for payment. One child has not requested his share, and will probably not. This has prevented the other 3 from receiving their share. Mother passed away in March 2017. How do we get our portion of the annuity or what happens if the 1 child never applies? Seems the company is holding the money as hostage because of the 1 that doesn't care if he receives his portion.