Select an e-signature provider with an appropriate audit trail and ESIGN Act / UETA compliance posture (e.g., DocuSign, HelloSign/Dropbox Sign, or OneSpan)
Generate the documents requiring signature (application, disclosure forms, policy schedule, replacement forms) and upload them to the e-signature API
Create a signing envelope or transaction specifying signer identity, signature fields, initials fields, and date fields for each document in the package
Send the signing request to the insured and any co-applicants via email, capturing mobile number for SMS delivery or access code verification
Listen for webhook events (signed, declined, voided) from the e-signature provider and update the policy application status accordingly
Retrieve the completed, signed documents and store them in the document management system with the full audit certificate
Known gotchas
Some state insurance regulations require wet ink signatures or specific disclosure language for certain insurance products (e.g., life insurance in some states); verify e-signature permissibility by state and product before deployment
E-signature sessions have expiration times; if the insured does not sign within the expiration window, the envelope voids and must be re-sent, which can delay policy issuance
The signer authentication method must meet the requirements of the applicable state's UETA adoption; a simple click-to-sign may not be sufficient for high-value policies
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One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp