The road to widespread acceptance for e-signatures among carriers has been a long and rocky one. But, with legal, technological and cultural issues largely resolved, forward-thinking organizations are employing e-signatures to achieve straight-through processing and a competitive advantage. Massachusetts mutual Life Insurance Co., Springfield, Mass., plans to launch e-signature technology early next year as part of its efforts to dramatically improve the customer experience - for both its agents selling policies and its policyholders.

Initially, the carrier will use the technology for new business as part of its straight-through processing (STP) initiative. But it may subsequently roll out the technology for customer service after the policy is issued.

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