Cost & Coverage
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Easy instructions to get docs from your hands to ours, with just a phone in between.
Many insurance companies have embraced the electronic signature, but some companies still require a wet signature — pen on paper instead of pixel on pixel.
While that means you may have to track down a printer (or wait for the mail) to get your documents, you can still submit your signed contract back to your broker via digital scan, using a scanner or an app on your phone.
The catch is that life insurance documents are legal contracts, and taking a grainy picture just won’t cut it. But your phone likely has the capability to take and send a scan of your paperwork. If not, we can recommend an app that will do it, too.
Three things to check before you scan:
1. Make sure you’ve signed the documents
And don’t forget to date everywhere you need to, as well.
2. Date and initial errors
If you mess up and need to scratch something out, that’s okay — but you need to make sure you date and initial each error. If you don’t, your contract will be returned.
3. Lay it out
Find a flat, well-lit surface and smooth your documents out so that you can take the best scans of them. A table is good, the floor works — but heads up that a white counter may not work ( scanning apps need contrast between the paper and the background).
And remember: These are legal documents, so shadows, fingers, and cat paws (really) don’t belong in the scan.
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If you have a newer Android or iPhone, you probably have an app pre-installed on your phone that you can take scans with (see below). For the rest of us, there are plenty of free apps available to make scanning easier. You can use any of these apps, but one that we recommend is Scanbot, for its interface and ease of use.
If you’re an Android user, you likely already have the Google Drive app installed. Here’s how to use it to take scans:
Newer iPhone models (iOS 11 and above) have scanning capabilities built into the Notes app. Here’s how it works:
Just to repeat. You can send your life insurance policy documents to Policygenius the following ways:
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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