Electronic signatures in insurance: what changes for IAM teams?

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?

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