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Anonymous quoting lets prospective customers explore insurance quotes without creating an account first. By removing the sign-up barrier, you reduce friction at the top of the funnel and allow customers to evaluate pricing and coverage options before committing to account creation — leading to higher engagement and conversion rates.

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When to Use Anonymous Quoting

Direct-to-consumer products

Products where end-customers initiate the quoting process themselves online, without broker involvement.

Reducing sign-up friction

When you want prospects to explore pricing and coverage before committing to creating an account.
Anonymous quoting is optional and configured per product. Enabling it does not affect the standard broker-driven quoting funnel — both can coexist on the same product.

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How It Works

The anonymous quoting flow has three phases: exploration, sign-in, and handoff.

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Phase 1: Exploring quotes without an account

When a prospective customer opens a product’s quoting funnel, a temporary session is created automatically. This session allows the customer to:
  • Enter their personal details
  • Provide information about the asset to insure
  • Receive and compare quotes for different coverage options
If the customer leaves the page and comes back later, they can resume exactly where they left off — as long as they have not cleared their browser cache. The data they entered is preserved even if the session token expires; in that case, a new session is issued automatically and linked to the existing data.

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Phase 2: Signing in to finalize

When the customer is satisfied with a quote and wants to proceed to contract signature, they are prompted to create an account or log in to an existing one. This is the first and only point in the flow where authentication is required.

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Phase 3: Handoff to authenticated account

Once the customer signs in, all information entered during the anonymous session — personal details, asset information, and the selected quote — is automatically transferred to the authenticated account. The customer then continues the standard signing flow: confirm the policy, sign documents, and set up payment. The anonymous session is closed after the handoff and is no longer accessible.

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Enabling Anonymous Quoting

Anonymous quoting requires configuration at the product level. The following elements are set up by the Korint team:
  • Anonymous role: A dedicated set of permissions is created for anonymous users. This role allows them to enter customer and asset information, view and compare quotes, and manage payment details. It prevents them from signing contracts or stopping policies — those actions require a full authenticated account.
  • Anonymous funnel: The product’s quoting funnel is configured with an anonymous entry path, allowing customers to start the process without logging in.
  • Redirect rules: When the anonymous user reaches the finalization step, the platform automatically redirects them to the sign-in or account creation screen.
The Korint operations team handles all configuration. To enable anonymous quoting for your product, contact the operations team with your product details and requirements.

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Security and Limitations

To prevent abuse, the platform limits the number of anonymous sessions that can be created from a single source within a given time period. This protects against automated misuse without affecting legitimate customers.
Anonymous users can only perform quoting-related actions: entering customer and asset information, viewing quotes, and managing payment details. They cannot sign contracts, stop policies, or access other customers’ data. Full platform access is granted only after authentication.

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Frequently Asked Questions

Yes. The session is stored in the customer’s browser cache, so they can return to the quoting funnel and pick up where they left off. If the session token has expired, a new one is issued automatically and the customer’s data is preserved. However, if the customer clears their browser cache or uses a different browser or device, the session cannot be recovered and they need to start over.
Yes. Anonymous quoting is an additional entry point for end-customers. The standard authenticated funnel used by brokers remains fully available and unaffected.
Anonymous quoting is enabled per product. Contact the Korint operations team to check availability for your products or to request enablement.

Signing New Business

The standard new business flow that anonymous quoting extends.

Quotes

How quotes are generated, structured, and priced.

Permissions

Role-based access control and how permissions are assigned.

Signatures

The document signing process that follows quote acceptance.