Do insurance companies accept electronic signatures?

Most carriers accept an electronically signed form for service work such as endorsements, cancellations and driver changes, and many run their own e-sign step inside the quoting portal for new applications. Check each carrier's underwriting guide. Where the carrier insists on its own portal, sign there and use your agency tool for everything else.

Can an insurance agent sign on behalf of a client?

No. An agent or CSR signing a client's name, even with verbal permission, is a common source of errors and omissions claims and license complaints. Electronic signature removes the temptation: the client gets a personal link, signs on a phone in two minutes, and the audit certificate records that the client, not the agency, signed.

Are electronic signatures legal for life insurance applications?

Yes under ESIGN and UETA, but life carriers usually control the signing step themselves because the application feeds their underwriting and suitability records, and some require knowledge based identity checks. Use the carrier's e-app for the life application itself and send your own disclosures, replacement forms the carrier allows and agency agreements here.

What is the best e-signature software for insurance agents?

Software where every producer and CSR has a seat without a per user bill, clients sign on a phone without an account, reminders go out automatically and every file carries an audit certificate you can attach in your agency management system. A team of three fits Starter; an agency with up to ten staff fits Plus, with SMS codes for signers.

How much does e-signature software cost for an insurance agency?

Per user tools typically charge $15 to $45 per person a month, so an agency with eight producers and CSRs pays $120 to $360 a month. SignElectronically Plus includes 10 seats and 500 envelopes a month for $74 a month on yearly billing, and clients never pay to sign.

Electronic Signature for Insurance Agencies and Insurance eSign Software

SignElectronically is eSign software for independent insurance agencies. Your producers and CSRs send applications, policy change requests, cancellation forms and broker of record letters, clients sign on their phone in a couple of minutes, and every signed form comes back as a sealed PDF with an audit certificate for the client file.

Try the editor on a sample form now. Every plan includes seats for your whole agency, and clients sign without an account. See pricing

The service desk

Where an agency loses days to signatures

A client calls on Thursday to drop a teenage driver from the auto policy and add a new truck. The carrier wants a signed change request before it issues the endorsement. The CSR emails a PDF, the client prints it at work, signs it, photographs it at an angle and sends back a picture with half the second page missing. On Monday the CSR is still asking.

Multiply that by renewals, cancellation requests, no known loss letters, named driver exclusions and broker of record letters, and an agency with five people spends hours every week chasing paper. The risk is not only time. A missing signature on an exclusion or a rejection form is the kind of gap that turns into an errors and omissions claim after a loss.

With electronic signature the CSR sends the form while the client is still on the phone. The client taps the link, signs, and the sealed PDF lands back with the CSR, ready to forward to the carrier and attach to the client record.

Account manager at an independent insurance agency reviewing a policy change request during a client call

What you get

Built for the forms an agency sends every day

A seat for every producer and CSR

Starter includes 3 seats, Plus 10 and Pro 25. Each person sends under their own name, and the principal sees every envelope.

Clients sign on a phone

No account, no app and no printer. The client opens a personal link, fills the fields you placed and signs with a finger.

Templates for agency forms

Save your policy change request, cancellation request and broker of record letter once, with fields for policy number and effective date.

Two named insureds, in order

Both spouses on a homeowners policy, or the business owner and a partner, sign in the order you set, then the producer countersigns.

Signer codes by email or SMS

Ask the signer for a one time code before they open the form. Email codes on every plan, text message codes on Plus and above.

An audit certificate for E and O files

Each completed form carries UTC timestamps, IP addresses and a document hash. If a client later says they never signed the exclusion, you have the record.

One view of the desk

See which client still owes a signature

Agency service desk

38 of 500 this month

Auto policy change, remove driver, D. KowalczykNamed insured, CSR · Today Completed
Broker of record letter, Lakeside Dental LLCBusiness owner, Producer · Today Viewed
Homeowners application, the FerreirasBoth named insureds, Producer · Yesterday 1 of 3 signed
Commercial auto cancellation request, Pine Ridge LandscapingBusiness owner · Oct 9 Sent
No known loss letter, M. OkaforNamed insured · Oct 6 Expires in 2 days

1

Open the template

Pick the policy change request or upload the carrier form as a PDF. Place signature, date and initials fields for each named insured.
2

Add the client and the order

First named insured, second named insured, then the producer if the form needs an agency signature. CC the account manager.
3

Send while the client is on the phone

The client gets a personal link by email. Add a one time code by text message for a policy that needs extra care.
4

Let reminders do the chasing

Set a reminder every day and an expiry before the effective date, so an unsigned change never slips past it.
5

Forward the sealed PDF

Download the signed form and its audit certificate, send it to the carrier and attach it to the client in your agency management system.

The client side

Two minutes on a phone, from the driveway

Policyholder signing an insurance form on a smartphone on the front steps of a house

Lakeview Insurance Agency sent you a document

Policy change request, auto.pdf

1. Services. The Supplier provides the services described in each Statement of Work signed by both parties. A Statement of Work names the deliverables, the schedule and the fees, and forms part of this Agreement once signed.

2. Fees and payment. The Client pays each undisputed invoice within thirty (30) days of the invoice date. Fees exclude taxes. Late amounts bear interest at the lower of one percent per month and the highest rate the law allows.

Sign here

I agree to use electronic records and signatures for this document.

Sign

No account needed

Most personal lines clients will never sit at a desk to sign a form. They open the email on their phone, agree to sign electronically, check the policy number and effective date you prefilled, and sign. The whole thing takes less time than finding a pen.

Commercial clients get the same flow. The business owner signs the broker of record letter between jobs, and if a partner has to sign too, the form moves to them on its own. When the client also needs proof of coverage for a contractor or a landlord, a dedicated certificate of insurance software handles the COI side, and the signed letters stay here.

Works in any phone browser, nothing to install
Prefilled policy number and effective date
Clients receive their own signed copy

Scope

Which agency documents to send here

Insurance agency documents and how to sign them electronically
Document	Who signs	How we set it up
Personal lines policy change request	Named insured or insureds	Template with policy number and effective date
Cancellation request	Named insured	Template, expiry before the cancellation date
No known loss letter	Named insured	Template, one day reminder
Named driver exclusion and coverage rejection forms	Named insured	Upload the carrier or state form as a PDF
Broker of record letter	Business owner or officer	Template on agency letterhead, producer CC
Commercial applications and supplemental forms	Business owner, then producer	Sequential order, SMS code on Plus
Producer and sub-agent agreements	Producer, then agency principal	Template with commission schedule fields
Life and annuity applications	Client	Use the carrier e-app; it controls identity checks and suitability

General information for the United States, not legal advice. Carriers and some states prescribe exact forms; confirm with each carrier's underwriting guide.

The legal background is in our ESIGN Act and UETA guide, and what the certificate records is on the electronic signature audit trail page. Agencies that send the same renewal letter to a whole book of clients use bulk send from a CSV.

Cost

What an agency pays for eSignature

Most signing tools bill per user. An agency with three producers, four CSRs and an office manager pays for eight licenses, and pays again each time it hires. Our plans include seats. Starter covers 3 senders for $24 a month on yearly billing. Plus covers 10 senders, 500 envelopes a month, bulk send and SMS codes for $74 a month on yearly billing.

One envelope is one sending, however many people sign it, so a homeowners application with two named insureds and a producer counts once. Clients never need a seat. If your agency is moving off DocuSign, the DocuSign alternative page lays out the same arithmetic for a team of ten.

Seats for producers, CSRs and the office manager
Clients sign free on any device
Monthly or yearly billing, cancel at the end of the period
Sealed PDFs and certificates downloadable as a ZIP

Monthly cost for 8 agency staff who send

Per user tool at $30 per user $240/mo

8 users on a typical per user business plan

SignElectronically Plus, 10 seats $74/mo

Billed yearly, SMS codes included

Public list prices, annual billing, checked 2026-10-10.

Questions

Electronic signature for insurance agencies FAQ

Yes. The federal ESIGN Act states that it applies to the business of insurance, and the state versions of UETA do the same for most transactions. Applications, policy change requests, cancellation requests, no known loss letters and broker of record letters can be signed electronically, provided the client agrees to sign that way and you keep the signed record.

More for insurance agencies

Templates Policy change and cancellation forms ready to resend. Sign a PDF online Send a carrier PDF for signature in a minute. Security How client documents are stored and protected. Pricing Plans with agency seats included.

Get this week's policy changes signed before Friday

Create an account for your agency, save your policy change request as a template and send it to the next client who calls.

See pricing