"Insurers are working with the National Association of Insurance Commissioners to modernize and standardize troublesome state regulations. Many states, for example, have rules that require a 'wet' signature on a policy or physical delivery of the policy, thus preventing policy issuance via by the Internet."

(Gene Linn, "Industry lags in Internet sales," The Journal of Commerce, July 8, 1999)

NOTE: A wet signature is an original signature written on a piece of paper, as opposed to a fax copy or to an agreement offered verbally or electronically.