The Organization of Real Time Brokers Implementing Technology

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 Wendy Watson

President, ORBiT Canada

The ORBiT Blog

Our blog is a place for members of ORBiT and the Canadian broker distribution channel to share ideas, opinions and thought leadership.

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Electronic signatures for insurance documents: the opportunity for broker leadership

Guest post by Xenex Enterprises

“Going paperless” has been a common goal for years but by the looks of our desks, we have a long ways to go. One major stumbling block to achieving “paper-less” was the requirement for wet ink signatures. To address this, legal experts have been working diligently with regulators and standards bodies to establish the legality of electronic signatures. We can now adopt electronic signatures with full confidence of their legality.

Here are a few common questions with answers to increase your confidence in electronic signatures and remove any lingering hesitation.

  • What is an electronic signature?
    According to the Uniform Electronic Commerce Act (UECA1999) “electronic signature means electronic information that a person creates or adopts in order to sign a document and that is in, attached to or associated with the document”

  • Are electronic signatures legal?
    In a word, yes! The Personal Information Protection and Electronic Document Act (PIPEDA) describes “secure electronic signatures” with the following 3-i’s requirements:  i) The identity of the signatory must be discernable ii) the signatory must have signed intentionally and iii) the integrity of the document must be preserved during and after the signing process.

  • What’s in it for me the broker and my clients?
    E-signatures offer significant and measureable benefits for both broker and client. Benefits range from basic cost/time savings and convenience to indisputable verifiability and non-repudiation.

  • How do I introduce electronic signatures into my business flow?
    Most e-signature solutions are web based and can be easily implemented to replace the current steps of printing and exchanging hard copies with wet ink signatures. CSIO has a vendor dashboard to get you started.

Adopting electronic signatures now can be a differentiator in an increasingly competitive marketplace. The benefits are immediate and can positively enhance the broker-to-client relationship. Select a robust electronic signature solution and work with the solution vendor to effectively introduce e-signature to your client community.

Bring your questions to ORBiT Real Time Day on May 5th

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