Notifications
Clear all
Topic starter
23/06/2026 9:11 pm
TL;DR: CURE Auto Insurance says digitising policy applications and renewals with OneSpan Sign and Guidewire InsuranceNow improved completion rates, reduced manual processing, and cut operating costs by 22% to 25%, while also creating an audit trail for disputes and regulatory approvals. The identity lesson is that consent workflows now depend on verifiable digital evidence, not paper handling.
NHIMG editorial — based on content published by OneSpan: Comment CURE Auto Insurance s'est numérisé avec OneSpan Sign et Guidewire
By the numbers:
- (53%) of first-time auto insurance buyers engage with, ers engage with providers through online channels.
- CURE reduced costs and improved overall efficiency by 22% to 25% after eliminating manual steps.
Questions worth separating out
Q: How should insurers govern digital signature workflows in policy onboarding?
A: Insurers should treat digital signatures as governed identity events, not just document actions.
Q: Why do electronic signatures matter to IAM and governance teams?
A: Electronic signatures matter because they replace paper-based assurance with traceable digital evidence.
Q: What breaks when insurance approval workflows still depend on paper handling?
A: Paper-dependent workflows create re-entry, scanning, and mailing gaps that weaken transaction integrity.
Practitioner guidance
- Map consent as a governed identity event Define each signature, acknowledgement, and approval as a controlled transaction with a named owner, retention requirement, and review path.
- Preserve evidence across system handoffs Check that policy administration, document generation, and e-signature capture share a consistent transaction identifier and audit trail.
- Eliminate manual document re-entry points Identify every place where staff re-key customer data, rescan forms, or reconcile incomplete submissions.
What's in the full article
OneSpan's full case study covers the operational detail this post intentionally leaves for the source:
- The end-to-end Guidewire InsuranceNow integration pattern used to embed OneSpan Sign without custom code
- The specific workflow changes that reduced printing, mailing, and manual document verification work
- The business-process details behind the reported 22% to 25% efficiency improvement
- The customer experience and compliance outcomes that supported the move to fully digital policy handling
👉 Read OneSpan's case study on digital insurance signatures with Guidewire →
Electronic signatures in insurance: what changes for IAM teams?
Explore further
25/06/2026 2:21 am
Digital signature workflows are now an identity governance problem, not just a customer experience upgrade. Once insurance onboarding moves fully online, the organisation must govern consent, approval evidence, and transaction integrity with the same discipline it applies to access decisions. The article shows that digital signing is the control point that replaces paper-based assurance, so the governance question becomes whether the workflow can prove who accepted what and when. Practitioners should treat signed transactions as part of the identity record.
A few things that frame the scale:
- Only 20% have formal processes for offboarding and revoking API keys, and even fewer have procedures for rotating them, according to Ultimate Guide to NHIs.
- Only 5.7% of organisations have full visibility into their service accounts, which shows how often identity governance starts from incomplete inventory data.
A question worth separating out:
Q: How do insurers know if digital document automation is actually working?
A: They should measure fewer NIGO errors, fewer manual rework steps, shorter processing times, and stronger evidence quality in audit reviews. If digital automation is working, the organisation should see fewer incomplete submissions and less variance between the approved transaction and the stored record.
👉 Read our full editorial: Digital insurance signatures change the IAM controls around consent
