Policy e-delivery is the electronic process by which a life insurance carrier provides the issued policy and related documents to the policyowner through secure digital channels rather than traditional paper delivery. Using e-delivery platforms, clients and advisors receive email notifications with links to secure portals where the full contract, data pages, endorsements and disclosures can be viewed, downloaded and electronically signed. Policy e-delivery often integrates with e-application and e-signature systems, creating an end-to-end digital workflow from application through placement. Benefits include faster turnaround times, reduced mailing costs, easier document tracking, and improved client convenience, especially for geographically distant or tech-savvy clients. Carriers must ensure that policy e-delivery satisfies state regulations governing electronic records, consent, authentication and proof of delivery, and that document integrity and privacy are protected.

In everyday practice, policy e-delivery has become a standard option for many advisors and clients who prefer digital experiences. When a case is submitted, the agent or BGA designates e-delivery as the preferred method, and the carrier collects necessary email addresses and consent. Once the policy is approved and issued, the system sends a secure link for the client and sometimes the advisor to access and review the policy. Delivery receipts, statements of good health, amendments and policy acceptance forms can be signed electronically, speeding placement and reducing paperwork. Operations teams track e-delivery completion in carrier systems, ensuring policies move quickly from issued status to in-force. Advisors still often schedule review calls or virtual meetings to walk through the policy while sharing screens. For compliance, audit trails from the e-delivery platform document when the client accessed, signed and completed required steps, helping to resolve any future disputes about delivery or acceptance.