The State of Connecticut Insurance Department, in Bulletin S-16, clarified its requirements for “telephonic applications”.  The ruling affects applications from Connecticut residents. According to Bulletin S-16: The completed application must be delivered for review and signature prior to the delivery of the contract.  Delivery may be electronic and electronic signatures are acceptable. Voice response signatures during data collection by a non-licensed individual are not permitted as a signature on the application. At LGA: Effective immediately, a voice signature option will not be offered with AppAssist applications solicited in Connecticut. The customer will receive the completed application via FedEx with instructions to sign all forms. A return envelope will be included.