This document contains questions about electronic signatures (e-signatures) and audio signatures. It asks about what is needed to implement them, whether they are legally binding, circumstances where they should not be used, benefits, client reactions, lines of business acceptance, changes to workflows and training, audit processes, issues that have arisen compared to traditional signatures, claims situations, producing signed documents from audio files, adoption rates, and barriers to widespread use.
2. eSignatures
1 What are audio signatures and e-Signatures?
2 What is needed to do audio signatures/e-
Signatures?
3 Are e-Signatures legally binding?
4 Have there been any cases where the courts
have not recognized them?
5 Are there any circumstances where you would
not recommend an audio or e-Signature be
used?
3. eSignatures
7 How can a broker start and end in their BMS using
audio/eSignatures?
8 What parameters have you put in place to ensure
all the I’s are dotted and the t’s are crossed when
using audio signatures or eSignatures?
9 What do you think are the benefits of audio
signatureseSignatures?
10 What has been your client’s reaction to audio
signatures/e-Signatures?
4. eSignatures
11 Do you accept audio signatures or eSignatures
for all lines of business?
12 Are there any instances when you insist upon
an actual pen to paper signature?
13 Do you think broker-carrier agreements need
to include a point on eSignatures?
14 How did your workflows and procedures need
to change to incorporate audio
signatures/eSignatures?
5. eSignatures
15 How much training did you need to deploy to
get people comfortable with the change?
16 How has your internal audit process changed
to incorporate audio signatures/ e-Signatures?
17 What issues have arisen when audio
signatures/e-Signatures have been used vs. the
traditional signed application, endorsement or
LPV?
6. eSignatures
18 Have you had any claims situation made more difficult as
a result of an eSignature?
19 When you needed to produce a signed document in the
past, you simply emailed/faxed it from your file. How do
you do that when what you have is an audio signature on
a hard drive?
20 What percentage of brokers are using audio signatures; e-
Signatures?
21 How expensive a technology is this?
22 What barriers do you see to wide-spread adoption of
audio/e-Signatures?
