Focus on the electronic signature in the insurance sector

HAS In this regard, Interworld organized Friday, November 4, 2022 in Casablanca, in partnership with INSA Alumni Morocco, the African Forum for the digitalization of insurance and provident services (Digital Assur).

This event aims to present to the various players in the insurance and provident ecosystem, the new legislative provisions, technological innovations and IT solutions for the creation, distribution and administration of products.

Speaking on the subject of securing insurance contracts and electronic signatures, Omar El Araki Tantaoui, director of application solutions at Intelcia IT solutions, first focused on the use cases of electronic signatures in Morocco. . In this sense, he recalled that this mechanism to guarantee the non-repudiation of an electronic document can be used to sign an estimate, an invoice, calls for tenders, a certificate of ownership, etc.
In addition, Tantaoui pointed out that the regulations recognize different levels of signature, namely qualified signature and advanced signature. The use of one or the other is used according to the constraints and obligations.

“Presumed reliable, the qualified signature is based on a qualified signature creation device attested by a certificate of conformity issued by the national authority, whereas the advanced signature, legally recognized without being presumed reliable, is based on a signature creation device, without necessarily being qualified,” he said.

For his part, Anouar Berra, Deputy Managing Director in charge of operations and transformation at La Marocaine Vie, a company specializing in personal insurance, noted that the company began by deploying the electronic signature internally. “For two years, we have implemented massive investments in digital. To date, 90% of our back-office processes are electronically signed. We plan from 2023 to deploy this mechanism externally, in particular with our customers,” he said.

Regarding the advantages of using an electronic signature, Berra believes that this method makes it possible to enter into a restrictive framework by putting an end to the risk of imitation. And to add that this mechanism also makes it possible to reduce the use of paper, to speed up the signing process and to democratize telework since people can sign their documents remotely.

Speaking about the impact of artificial intelligence (AI) on the insurance industry, Yassine Rahmi, co-founder of, a startup that uses AI in auto insurance, said that “AI can be applied to roles that require a strong ability to synthesize data and make decisions autonomously. This is one of the main reasons why AI is incredibly applicable to the demands of the insurance industry.”

And to continue: “The covid-19 pandemic has reduced AI adoption times by significantly accelerating digitalization for insurers. Organizations had to adapt with a new reality and update their digital capabilities in order to be able to distribute and interact with their customers remotely”.

Along the same lines, Yassine Rahmi explained that thanks to AI, the “buying insurance” experience has become faster, with less active involvement from the insurer and the customer.


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