Creating accounts as an anonymous user

An anonymous user is a person who is not yet known to the insurer but who may establish a business relationship with the insurer.

The base configuration supports an anonymous user flow. In this flow:

  • Initially, the user is unauthenticated. The user creates a new account.
  • When respond to the account creation, PolicyCenter sends back a self-signed JWT (JSON web token).
  • The user is now an anonymous user. With the self-signed JWT, the user can create and quote submissions for the account they created. If the quote is agreeable, they can bind the policy.

Once an anonymous user binds a submission, they logically move from being an anonymous user to an external user.

For more information on the anonymous user auth flow, see the Cloud API Authentication Guide.