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Beyond the Password: Why Digital Authentication is the New Business Standard
Electronic signature for insurers
Digitise insurance contracting, policy signing, renewals, claims communications and policyholder onboarding with electronic signature, certified notification, eKYC and evidential proof.
Insurers and regulated companies trust Lleida.net
In contracting, policy renewal, claims management or new policyholder registration, every critical communication needs traceability, secure identification, proof of delivery and legal evidence
Claims and exclusions without proof of communication
In claims management, the policyholder or an injured third party may claim that they did not receive a decision, compensation proposal, document request or critical communication relating to the file. Without certified notification, the insurer loses traceability over the sending, delivery and content communicated, increasing the risk of complaints and challenges.
Electronic policy signing versus paper-based processes
When the signing of policies, renewals or endorsements still depends on paper, travel or postal delivery, the process becomes slower, more expensive and harder to scale. Electronic signature makes it possible to complete contracting from a mobile, tablet or computer, while maintaining process traceability and reducing friction in digital channels.
Digital onboarding of policyholders without eKYC
In life insurance, savings or high-value products, identifying the policyholder remotely requires anti-fraud controls and traceability. An eKYC process makes it possible to verify the document and biometric identity, record the digital registration and facilitate API integrations with contracting, CRM or policy management systems.
Signature, identity and notifications that are difficult to integrate
Many insurers digitise processes with separate solutions for electronic signature, notifications, identity and evidence custody. This complicates integration with the insurance core, CRM or claims systems, and forces teams to duplicate tasks across platforms. With Lleida.net, you can automate signature, certified email, certified SMS, eKYC and legal evidence from a single platform or via API.
Certified notification for policies, renewals and claims
Send critical communications to the policyholder by certified email or certified SMS: coverage changes, premium changes, renewals, expiries, exclusions, claims decisions or communications with injured third parties. Each sending generates evidence with the date, time, recipient, content communicated and process traceability.
Ideal for: Coverage changes, premium changes, renewals with new terms, exclusions, expiry notices, claims decisions and communications with injured parties.
See more about Certified notifications
Electronic policy signing from any channel
Allow the policyholder to sign policies, schedules, endorsements, renewals or associated documentation from a mobile, tablet or computer, via SMS or email and without installing applications. Electronic signature reduces paper, travel and commercial friction, while maintaining process traceability and associated evidence.
For intermediaries, Click & Sign is integrated with CIMA/TIREA, facilitating signing within the sector's usual workflows.
Ideal for: taking out new policies, signing exclusions/consents, renewals with amended terms, assignments to intermediaries and distribution agreements.
See more about Electronic policy signature
Digital policyholder onboarding with eKYC
Verify the policyholder's identity remotely through document capture and facial biometric validation, with a record of the process. Especially useful in life insurance, savings, high-value products or contracting without physical presence, where identity controls, fraud prevention and traceability are required.
It can be integrated via API into contracting flows, CRM or policy management systems.
Ideal for: Registering new policyholders, remote contracting, life and savings insurance, high-value products, processes with identity validation and digital onboarding without physical presence.
See more about eKYC and digital identityDigital policy contracting, communications with policyholders and identity verification must be supported by electronic trust services, evidence traceability and data protection.
Law 6/2020 + eIDAS Regulation (EU) 910/2014
European and Spanish framework regulating electronic signatures and trust services applicable to policy signing, online contracting and certified communications.
Insurance Contract Act 50/1980
Insurance framework requiring clarity in terms, exclusions, amendments and relevant communications between insurer and policyholder.
GDPR + LOPDGDD
Data protection framework applicable to signature, notification and digital identity when personal data and policyholder contractual documentation are processed.
Verify the policyholder's identity remotely through document capture and facial biometric validation, with a record of the process. Especially useful in remote contracting, life insurance, savings, high-value products or processes with greater exposure to fraud.
Allow the policyholder to sign new policies, renewals, endorsements or amended terms from a mobile, tablet or computer, via SMS or email and without installing applications. For intermediaries, Click & Sign can be integrated with CIMA/TIREA to maintain the usual operational flows.
Evidence that the policyholder was informed of coverage changes, exclusions or schedules by means of certified notifications. Certified email makes it possible to generate evidence of origin, destination, date, time, content and attachments, useful in the event of complaints or disputes.
Send expiry notices, premium payment reminders or pre-renewal communications by certified SMS or certified email. The evidence generated makes it possible to prove the sending, recipient, date, time and channel used.
Send decisions, compensation proposals, document requests or file communications by certified email or SMS. Each sending makes it possible to prove traceability, delivery and the content communicated, reducing disputes over 'not received' or 'not informed'.
Centralise electronic policy signing, certified notifications, identity verification and evidence custody in contracting, renewal, claims and onboarding processes.
Legal validity and evidential proof
Generate electronic certificates with traceability, non-repudiation and evidential value to strengthen your digital communications.
Trust services for regulated sectors
Solutions aligned with frameworks such as eIDAS, Law 6/2020, GDPR, ISO 27001 and ENS, designed to operate in digital processes where legal and technical security is critical.
Agile API integration
Automate electronic signature, certified email, certified SMS and eKYC from your insurance core, CRM, mediation platform or claims management system.
Scalable for different volumes and markets
Adapt the use of signature, notification and digital identity to the volume of policies, renewals, claims or communications in each market, with international coverage and a flexible model.
Certifications and accreditations that strengthen the security and trust of your digital communications
+ 60 countries
Coverage for international operations and communications
Up to 87%
Savings compared with physical certified communications
5 years
Minimum custody of evidence in qualified services
You can start from €9.99 and scale according to your needs. No monthly fees or lock-in, and you only pay for what you use.
Yes. In Spain and the EU, electronic signature is supported by the eIDAS Regulation and Law 6/2020. The type of signature — simple, advanced or qualified — should be chosen according to the risk of the process, the type of document and the insurer's evidential needs.
Electronic signature makes it possible to evidence the policyholder's acceptance or signing of a document. Certified notification makes it possible to evidence the sending, delivery and content of a communication. In insurance, both can be combined to strengthen processes such as contracting, renewals, exclusions or claims.
Yes. A certified notification makes it possible to evidence events such as sending, delivery, date, time, recipient and the content communicated. This helps strengthen the insurer's position in complaints where the policyholder claims that they did not receive an exclusion, decision or relevant communication.
Yes. Click & Sign can be integrated with CIMA/TIREA to facilitate the electronic signing of documentation within the usual workflows of intermediaries and brokerages, without forcing a change to the sector's main operating model.
Yes. eKYC makes it possible to verify the policyholder's identity remotely through document capture, facial biometric validation and a record of the process. It can help strengthen identity controls, fraud prevention and traceability in products such as life insurance, savings or remote contracting.
Electronic signature, certified notification and digital identity services can be integrated via API into the insurance core, CRM, mediation platform or claims management system. There are also no-code options for configuring flows without complex development.
Custody depends on the service used and the contracted option. In qualified services such as Openum eIDAS, the stated minimum custody period is 5 years, allowing consultation in the event of incidents, complaints, audits or proceedings.
Yes. Lleida.net allows channels such as certified email and certified SMS to be used to send critical communications, notices, documentation or requests to the policyholder, generating digital evidence associated with the sending and the content communicated.
