Old process
- Policy packets printed and mailed by default
- Postage and printing cost estimated at $8 to $15 per policy per year
- No signed e-consent on file before electronic delivery
- ACORD signatures collected on separate paper cycles
With WoltSign
- E-consent template signed and stored per client folder
- Policy delivery confirmation with signature and date
- ACORD forms uploaded as PDF and sent for client signature
- Electronic delivery only when consent is on file
Insurance e-consent and electronic policy delivery require explicit client consent in most states before agencies stop printing packets. An independent agency with 500 active policies can save $8 to $15 per policy per year on print and postage when consent is on file.
Why agencies need digital policy delivery with signed consent
E-consent authorizes electronic delivery. Delivery confirmation proves receipt. ACORD form e-signature collects client signatures on lines that require them. See WoltSign for finance and admin teams.
Compare CPA engagement letters and lease renewals.
How an agency sets up insurance e-consent in WoltSign
Client signs e-consent stored in their folder. Policy delivery confirmation captures signature and date. ACORD PDFs upload and send for signature when required. Completed records stay in the audit trail.
What changes when policies deliver electronically
Postage and printing costs dropped for consenting clients. E-consent was on file for 78% of the book within 90 days in this pattern.
E-consent requirements vary by state, line of business, and carrier. Verify requirements with your state department of insurance before implementing electronic delivery.
What changes when the workflow is structured
E-consent on file
78% of book
Within 90 days; results vary by state
Print and postage
Reduced
For consenting clients only
FAQ
Frequently asked questions
Short answers to the questions teams ask most often about this topic.
Does e-consent meet state department of insurance requirements?
Requirements vary by state. Many states follow the UETA model, which allows e-consent when the consumer affirmatively consents. Confirm with your state DOI and E&O carrier.
Can I store the signed consent form as proof of authorization?
Yes. The completed envelope with the audit trail serves as the record of consent. Download or retain it per your state record-keeping requirements.
Can I attach the actual policy document to the e-consent envelope?
Yes. Add the policy PDF as a second document in the Documents step.
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