RON for Insurance
Claims · Policies · Beneficiaries

Settle claims. No delays.

Claims affidavits, sworn loss statements, beneficiary changes, and policy assignments — notarized remotely via live video. Meet claimants wherever they are, including disaster zones and hospital rooms. Legal in 40+ RON-authorized states.

Serve disaster-displaced claimants — notarize sworn statements from evacuation centers or temporary housing
Tamper-evident claims affidavits — PKI seal + video + ID verification protects against fraud
Beneficiary changes without office visits — life insurance and annuity paperwork completed remotely
Fraud deterrence baked in — multi-factor identity verification before every notarization

Claim #INS-2024-48823

Homeowners — Hurricane damage · FL

RON Complete

Claimant displaced by Hurricane

Notarized sworn loss statement from evacuation hotel via smartphone

Sworn Loss AffidavitNotarized ✓
Identity verified — FL DL + KBAVerified ✓
Video session recorded — 14 minArchived ✓
Certified claim package delivered to adjuster ✓

Any device

Phone, tablet, or laptop

40+ states

RON authorized

5-part

Fraud-deterrent audit package

< 5 min

Avg. notary connect time

Every insurance document type handled remotely

From P&C claims to life insurance policy changes, Zignature covers all insurance-related notarization needs across carriers, agents, and policyholders.

Claims Affidavits & Sworn Statements

Proof of loss affidavits, sworn statements of fact, and declarations required for P&C claims — notarized remotely even when the claimant is displaced by the insured event.

HomeownersAutoCommercial

Beneficiary Designations & Changes

Life insurance and annuity beneficiary change forms requiring notarized signatures — completed remotely without requiring a policyholder visit to an insurance office or bank.

Life insuranceAnnuities

Policy Assignments & Transfers

Life settlement assignments, collateral assignments for loan security, and viatical settlement agreements — all requiring notarized signatures and providing critical fraud protection through video evidence.

AssignmentsViatical

Disability & Long-Term Care Claims

Disability benefit applications, long-term care claims, and supplemental insurance declarations — especially important when the claimant's condition makes in-person notarization impossible.

DisabilityLTC

Commercial Insurance Documents

Business interruption claims, commercial property affidavits, E&O insurance declarations, and professional liability claim documents — notarized remotely by authorized signatories.

BusinessLiability

Subrogation & Recovery Affidavits

Subrogation demand packages, assignment of rights forms, and third-party recovery affidavits requiring notarized execution — completed remotely with a legally complete audit record.

SubrogationRecovery
🛡️ Fraud Deterrence

The strongest fraud deterrent in insurance notarization

Traditional ink notarizations are easily fabricated. A forged notary stamp on a claims affidavit has no way to be challenged after the fact. Zignature RON sessions generate a 5-part evidentiary package that makes fraudulent claims far harder to file — and much easier to prosecute.

Video recording of every session

The full notarization session is recorded — signer's face, verbal acknowledgments, document review — providing irrefutable evidence of willing participation.

Multi-factor identity verification

Government ID scan, liveness detection, and KBA ensure the person signing is who they claim to be — before the session even begins.

Cryptographic tamper-evidence

The PKI seal on every notarized document detects any post-signing modification — ensuring document integrity from signing to claim payout.

Evidentiary Package

Full video session recording

Signer, document, verbal acknowledgments

Identity verification record

Gov. ID scan + liveness + KBA results

PKI cryptographic seal

SHA-256 hash · Tamper-evident · X.509 cert

Notary journal entry + certificate

Permanent electronic record of the act

Insurance RON — frequently asked questions

Can insurance claims affidavits be notarized remotely?

Yes. In 40+ RON-authorized states, sworn loss affidavits, proof of loss statements, and claims declarations can be notarized via live video. This is especially important for claimants who are hospitalized, displaced by a natural disaster, or simply unable to visit a notary in person following an insured event.

Can disaster-displaced claimants use RON?

This is one of the most important use cases for insurance RON. Policyholders displaced by natural disasters — wildfires, hurricanes, floods — often need to file notarized sworn statements while living in evacuation centers or temporary housing. With Zignature RON, any smartphone or tablet with a camera is all that's needed. No travel to a notary office required.

Can beneficiary designations be changed remotely?

Yes. Life insurance and annuity beneficiary change forms requiring notarization can be completed remotely via Zignature RON in authorized states. The signer's identity is verified through government ID scan, liveness detection, and KBA before the session begins — providing strong fraud protection for high-value policy changes.

How does RON help prevent insurance fraud?

Traditional ink notarizations are easily fabricated — a forged stamp has no video evidence, no identity verification record, and no cryptographic integrity check. Zignature RON generates: a full video recording of the signer, a government ID verification record with liveness detection, a KBA authentication result, and a PKI cryptographic seal that detects any document modification. Combined, these make fraudulent notarizations dramatically harder and much easier to prosecute.

Is RON valid for insurance policy assignments and life settlements?

Yes. Life settlement assignments, collateral assignments for loan security, and viatical settlement agreements can be notarized remotely in RON-authorized states. The video recording and identity verification record provide critically important evidence of the policyholder's consent — especially valuable in high-value life settlement transactions where the validity of the assignment may be challenged.

More RON solutions by industry

Settle claims faster. Reduce fraud risk.

Zignature RON makes insurance document notarization faster, more accessible, and far more secure than traditional ink notarization.