Ipad Applications at Your Own Risk

[Norwayguy]

There is a whole laundry list actually. Some of them make sense. The biggest one was that they could never hold anyone to an electronic signature that didn't specify the electronic signature in the contract.

Several things they mentioned to me were that the applicant may not have been able to see the whole page as they were signing it. The paper copies that are theirs to keep may not be given if the agent was using an app designed for paper copies. Also the digital signatures can be easier to dump the signature in places the applicant had not agreed to. And a biggie...the paper apps are required by the state departments of insurance if that is the way they were approved.

Just use the companies that have an e-app designed for that. Or paper.

Have you ever looked at the eapp generated apps pretty sure the form numbers are the same....For me its a nonissue as I like my wifes iPad as a toy not a business tool.

 

[Newby]

So its okay to pre-fill, just get wet signatures correct?

That's the key. You can pre-fill the forms, print them out and get the sigs. But unless they came in to your office that's pretty unlikely.

 

[rousemark]

That's the key. You can pre-fill the forms, print them out and get the sigs. But unless they came in to your office that's pretty unlikely.

Or, you are lugging a printer around with you...

 

[PaperHanger]

I wouldn't mind a printer in my trunk, send from the smartphone over blue tooth or wifi...for forms and things on the fly

 

[Buff Minorcan]

Or, you are lugging a printer around with you...

It's 2014 guys....not sure if you knew that. USB powered....internal battery.....nice portable printers options these days.

You could impress a client by being able to print out 2 copies of the completed app so they can keep one. Tho I am new to this and not sure if that's even allowed. I know you take the app and submit the business and then the policyholder receives the policy via mail.

Not having a copy of the app for the client was for the obvious reason: why would you sit there and fill out 2 apps just for the purpose of a copy for the client? But with the ability to print the app wouldn't that be fine?

 

[rousemark]

It's 2014 guys....not sure if you knew that. USB powered....internal battery.....nice portable printers options these days.

You could impress a client by being able to print out 2 copies of the completed app so they can keep one. Tho I am new to this and not sure if that's even allowed. I know you take the app and submit the business and then the policyholder receives the policy via mail.

Not having a copy of the app for the client was for the obvious reason: why would you sit there and fill out 2 apps just for the purpose of a copy for the client? But with the ability to print the app wouldn't that be fine?

Have never had a client request a copy of the app at time of application. They are going to get one if the policy is issued becasue it becomes a part of the application..

 

[Rearden]

I can't give any details but I wanted to make it known that an agent looks to be getting terminated for cause for doing applications on his ipad using a PDF form program on his ipad or Android. He was not one of our agents but he called me because I had posted in a thread several years ago that it was easy to do on the ipad.

I checked with the companies back then and they were all the same answer. They do NOT allow it. No gray area. Do not do it unless it is an official company designed ipad program like Americo has.

Any agent who gets caught will be terminated (possibly for cause) and possibly every application recinded (canceled with full chargeback.)

iPads are great for quoters, underwriting guides, ht weight charts, etc. But do NOT use unauthorized PDF applications on them. Huge mistake.

That is today's Monkey Dust that might not make you any money but will save you on lawyer bills.

More reason to rely on the old fashioned rate book and app to fill out.

No technological obstacles to get in the way.

 

[Norwayguy]

Have never had a client request a copy of the app at time of application. They are going to get one if the policy is issued becasue it becomes a part of the application..

I have had some teachers want copies of everything they signed....But this was at the school were they had plentiful copiers so I let them copy it.

 

[Buff Minorcan]

Have never had a client request a copy of the app at time of application. They are going to get one if the policy is issued becasue it becomes a part of the application..

Well they aren't going to request a copy if you are obviously handwriting the app.....

 

[175Contract]

So Droids are ok then...