The workflow in this business
process diagram is similar to that in I-WF-02 only there is no referral of the insurance seeker's lead to an agent. This
is made possible where the coverage requirements are simpler and also where the consumer portal has both the full straight
through policy binding capability with its supporting carriers (sometimes carriers operate these portals) as well as a license
to write the policy in the state of the potential insured.
Where the coverage
need is very simple, this workflow is very efficient but leaves out the expertise of the agency that is so needed for most
of these important transactions