An electronic application is a digitally completed insurance application submitted via web or tablet interface with embedded e-signatures and validation. It streamlines data capture, pre-populates carrier forms, and reduces NIGO rates. Electronic applications integrate with vendor tools for identity verification, health-data pulls, and tele-interview scheduling. They create cleaner submissions, faster approvals, and better audit trails for carriers, BGAs, and advisors.

Agencies adopt electronic applications to cut NIGO rates and accelerate placement. Advisors collect disclosures on tablets, capture e-signatures, and let the platform trigger state-specific forms. Integrations with EHR, Rx checks, and MVR data reduce back-and-forth. Audit trails and timestamps support compliance and simplify carrier reviews and producer supervision.