How to Get Online Quote Forms for Insurance Right
Forms that collect the information needed to quote insurance products online.
Marcus Adeyemi
Why does it matter?
Quote forms ask for sensitive personal data and must balance completion rates against underwriting accuracy.
What are the numbers?
- Sensitive data quotes often require dates of birth and addresses
- Licensing quoting and selling insurance requires licensed entities
- Disclosures quote conditions and limitations must be clear
- Abandonment long forms lose applicants
What should I do?
- Ask questions in a logical, staged order
- Explain why sensitive information is needed
- Save progress so applicants can return
- State clearly what a quote does and does not guarantee
- Encrypt and limit access to submitted data
What should I avoid?
Avoid:
- Long single-page forms
- Collecting more data than underwriting needs
- Quotes presented as binding when they are not
- Unencrypted storage of personal data
When should I get help?
Short answer Bring in help when insurance quoting moves online.
Where this comes from
- National Association of Insurance Commissioners — Model laws
- OWASP — Cryptographic Storage Cheat Sheet
The figures and practices above come from the sources listed.
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