Settlement releases shouldn't take 5 days to get signed — they should take 5 minutes
Regure's built-in e-signature capability sends documents for signature directly from the claim file, tracks signing status in real time, and attaches completed documents with tamper-evident audit trails. Legally binding under ESIGN Act, UETA, and eIDAS — no third-party signature tool required.
The signature step adds days to claim cycle time because it happens outside the claims workflow
A settlement is approved on Monday. The adjuster generates a settlement release letter in Word, exports it to PDF, uploads it to DocuSign, enters the claimant's email, sends it, waits for the signature, downloads the signed PDF, renames it, and uploads it back to the claims system. If the claimant doesn't sign within 3 days, the adjuster sends a reminder. If the claimant has questions, they email back — starting a new thread disconnected from the claim file.
This process adds 3-7 days to cycle time for a step that should be automatic. The adjuster performs 8-10 manual actions across 3 different tools (claims system, Word, DocuSign) — each a potential point of error or delay. The signed document often ends up in someone's email inbox or downloads folder instead of the claim file.
Worse, using a third-party signature tool means signature audit trails are stored in that tool — not in your claims system. When a regulator asks for proof that a settlement was properly executed, you need to log into a separate system, find the signature record, and manually connect it to the claim evidence.
Regure's integrated e-signature eliminates this fragmentation. Documents are sent for signature from within the claim file, signing status is tracked in real time, completed documents attach automatically, and the entire signature audit trail is part of the immutable claim audit trail.
E-signatures that live inside the claim file — not in a separate tool
The signature process starts and ends within the claim workflow. Documents are generated from claim data, sent for signature with one click, tracked in real time, and completed documents attach to the claim file automatically — with full audit trail integration.
Integration is what separates Regure's e-signature from standalone tools like DocuSign or Adobe Sign. When a settlement is approved in the workflow engine, the system can automatically generate the settlement release from a pre-configured template, populate it with claim-specific data, and send it for claimant signature — with zero manual steps between approval and signature request.
Here's what the integrated signature workflow looks like:
- Document generation: Settlement letter auto-generates from template with claim data (claimant name, loss details, settlement amount, payment method)
- Signature request: Document sent to signer(s) via email or SMS with secure link — directly from the claim file interface
- Signer experience: Claimant opens the document on any device, reviews terms, and signs with typed name, drawn signature, or uploaded image
- Real-time tracking: Adjuster sees signature status in the claim file — sent, viewed, signed, or expired — without checking a separate tool
- Automatic attachment: Signed document attaches to the claim file immediately upon completion — no download/upload cycle
- Audit trail: Complete signature trail (who signed, when, from what IP, device fingerprint) is part of the claim's immutable audit log
- Workflow continuation: Claim automatically progresses to the next workflow stage upon signature completion — triggering payment authorization if configured
For claims with multiple signature requirements — settlement release, proof of loss, authorization forms — all documents can be bundled in a single signing session, reducing claimant friction and completion time.
Sequential and parallel signing workflows for complex insurance documents
Insurance documents often require multiple signatures from multiple parties in a specific order. Regure handles complex multi-party signing with configurable signing order, role-based access, and deadline management.
Sequential Signing
Some documents require signatures in order: the adjuster signs first (confirming the settlement recommendation), then the supervisor (approving the settlement), then the claimant (accepting the terms). Sequential signing enforces this order — each signer receives the document only after the previous signer completes.
Sequential workflows ensure that upstream signers' approvals are captured before the document reaches the claimant — preventing situations where a claimant signs a settlement that hasn't been internally approved.
Parallel Signing
Other documents allow concurrent signatures: multiple named insureds on a policy application, multiple witnesses on a statement, or multiple contractors acknowledging scope of work. Parallel signing sends the document to all signers simultaneously — the document completes when all parties have signed.
Parallel workflows reduce signing time for multi-party documents from days (sequential waiting) to hours (concurrent signing).
Mixed Workflows
Complex documents combine sequential and parallel steps: internal approval signatures happen sequentially (adjuster, then supervisor), followed by parallel external signatures (claimant and their attorney sign concurrently). Regure supports any combination of sequential and parallel signing steps in a single workflow.
For commercial claims involving multiple business entities, mixed workflows handle the complex signing hierarchies that corporate structures require.
Deadline & Reminder Management
Unsigned documents trigger automated reminders: first reminder after 24 hours, second after 48 hours, escalation after 72 hours. Expiration dates ensure documents don't remain pending indefinitely — expired documents require re-generation with current terms (important when settlement offers have time limits).
For time-sensitive documents like reservation of rights letters, automated reminders and escalation ensure regulatory deadlines are met even when signers are unresponsive.
Pre-configured document templates that auto-populate with claim data
Insurance operations use dozens of document templates: settlement releases, proof of loss forms, authorization letters, reservation of rights notices, subrogation demands. Regure manages templates centrally with version control, approval workflows, and automatic data population.
Template Library
Maintain a central library of document templates organized by type (settlement, authorization, notice), line of business (auto, property, health), and jurisdiction (state-specific legal language, regulatory disclosures). Templates are versioned — when legal updates a template, the new version activates for new documents while existing documents retain the version under which they were generated.
For TPAs, separate template libraries per carrier client ensure each carrier's branded documents and specific legal language are used automatically.
Auto-Population
Templates contain merge fields that auto-populate from claim data: claimant name and address, policy number, loss date and description, settlement amount, payment instructions, and regulatory disclosures per jurisdiction. Adjusters review populated documents before sending — but don't manually enter claim details into templates.
Auto-population eliminates the most common source of settlement document errors: manually copying claim data into Word templates, which results in wrong amounts, wrong names, and wrong policy numbers in 3-5% of documents.
Approval & Compliance
Template changes require approval before activation: legal reviews template language, compliance verifies regulatory disclosures, and management approves the updated template. The approval workflow ensures templates always contain current, compliant language — preventing situations where outdated templates create regulatory exposure.
Template audit trails show which version was used for each document, who approved the template, and when — providing evidence that settlement documents used approved, compliant language.
Legally binding signatures that satisfy ESIGN Act, UETA, eIDAS, and insurance-specific requirements
Electronic signatures are legally binding in virtually all jurisdictions for insurance documents. Regure's e-signature implementation meets the specific legal requirements that insurance regulators and courts expect.
US: ESIGN Act & UETA
The Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA) establish that electronic signatures carry the same legal weight as wet ink signatures for insurance documents. Regure's implementation meets ESIGN/UETA requirements: intent to sign (click-to-sign with consent language), association with the record (signature embedded in the document), and record retention (signed document stored immutably).
For state-specific requirements (New York Insurance Law Section 3119, California Insurance Code), Regure's templates include the specific disclosures and consent language required by each state's electronic signature regulations.
EU: eIDAS Regulation
The EU's Electronic Identification, Authentication and Trust Services (eIDAS) regulation establishes three levels of electronic signature: simple, advanced, and qualified. Regure supports advanced electronic signatures (AdES) with signer identification, unique link to the signer, control of the signing process, and integrity detection for post-signing modifications.
For EU insurers requiring qualified electronic signatures (QES) for specific document types, Regure integrates with qualified trust service providers (QTSPs) to provide the highest level of legal assurance under eIDAS.
Tamper-Evident Sealing
Every signed document is sealed with a cryptographic hash that detects any post-signing modification. The seal includes: document content hash, all signer identities and timestamps, signing order verification, and certificate chain validation. If even a single character is modified after signing, the seal breaks — providing irrefutable evidence of tampering.
Tamper-evident sealing is critical for insurance settlement documents where post-signing modifications could constitute fraud — both by the insurer and the claimant.
Evidence Package
For each signed document, Regure generates a complete evidence package: the signed document with embedded signatures, a signature certificate showing signer identity verification, a timestamp certificate from a trusted time authority, the audit trail of the signing process, and the cryptographic verification data proving document integrity.
This evidence package satisfies the evidentiary requirements for court proceedings, arbitration, and regulatory enforcement actions — providing proof of signing that is stronger than wet ink signatures (which can be forged without detection).
What claims teams ask about e-signatures
Are e-signatures legally valid for settlement releases?
Yes. Electronic signatures are legally binding for insurance settlement releases under ESIGN Act (US), UETA (state level), and eIDAS (EU). Court systems routinely accept electronically signed settlement documents. Regure's implementation includes the specific consent, identification, and retention elements that courts and regulators require for enforceability.
Do we still need DocuSign or Adobe Sign?
No. Regure's integrated e-signature replaces standalone signature tools for insurance documents. The advantage of integration is that signatures happen within the claim workflow — documents generate from claim data, signing status tracks in the claim file, and completed documents attach automatically. No separate tool, no separate login, no separate audit trail.
Can claimants sign on their phone?
Yes. Signature requests deliver via email or SMS with a secure link. Claimants open the link on any device — phone, tablet, or computer — review the document, and sign. No app installation required. The signing experience is optimized for mobile: responsive layout, pinch-to-zoom on documents, and large touch targets for signature capture.
How does signer identity verification work?
Standard verification uses email delivery (the signer receives the document at their verified email address). Enhanced verification adds knowledge-based authentication (KBA) questions, SMS one-time passcode, or government ID verification for high-value documents. Verification level is configurable per document type and amount threshold.
What happens if a signer doesn't complete within the deadline?
Automated reminders send at configurable intervals (default: 24h, 48h, 72h). After the deadline, the document expires and the adjuster receives notification. Expired documents can be re-sent (extending the deadline) or re-generated (with updated terms if the settlement offer has changed). Expiration prevents stale documents from being signed weeks later with outdated terms.
Can we use e-signatures for policy applications and renewals?
Yes. While claims documents (settlement releases, proof of loss) are the primary use case, the same e-signature infrastructure handles policy applications, binder confirmations, endorsement acknowledgments, and renewal consent forms. For brokers and agencies, e-signatures streamline the entire policy lifecycle — not just claims.
See how Regure eliminates the signature bottleneck
Book a 20-minute demo. We'll show you template-based document generation, multi-party signing workflows, and real-time signature tracking — all integrated into the claim lifecycle.