Workflow Perspectives

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