Budget First Insurance

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Budget First Insurance · End-to-end verification

Insurance sign-up verified live, across 5 real applicant scenarios

Every recording and every signed PDF below came from a real run of the actual VUMI, IMG, and Best Doctors sign-up flows — with and without a spouse — captured start to finish against the live app, with no synthetic data beyond a test identity.

5scenarios run end-to-end
8real signatures captured
5signed PDFs verified
Investigated live, not assumed

Spouse-signed PDFs are now captured for real — a two-session signing flow needed a matching two-step capture

All 5 scenarios below are fully verified end-to-end, including real captured signed PDFs for both spouse scenarios. That wasn't true a short while ago: the recorder only ever observed the primary applicant's completion event, and never saw the spouse's separately-hosted signing session finish, so the merged signed PDF was never actually captured for spouse scenarios. It's fixed now — see the mechanism below. Two other fixes are reflected in these runs as well: IMG's asthma/allergies and COVID/SARS medical-history sub-questions are now correctly gated behind their parent yes/no answers (previously they always showed), and IMG's application form now includes the “Renewal Contact Information” section it was previously missing entirely, with its conditional address/fax/email field. Both of those are already merged.

Technical detail: The recorder captures the completion request body when the primary applicant finishes signing, then replays it against the app's /api/docuseal/complete endpoint after the spouse also finishes signing in their own session. This fix shipped in PR #57 on incrhst/BudgetSmart — it's open, mergeable, and checks are passing, but it is not yet merged as of this report. The IMG medical-history gating fix (PR #55) and the IMG Renewal Contact Information section (PR #56) are both already merged.

1 · Applicant embed completes

The primary applicant finishes signing in the app's own embedded DocuSeal form. The completion request fires, but DocuSeal can't return a merged PDF yet — the spouse hasn't signed.

2 · Spouse embed completes (separate session)

The spouse signs in their own DocuSeal-hosted URL — genuinely separate, never touching the app's pages. That's normal for multi-signer e-signature flows. Once they finish, the recorder replays the applicant's completion request, and DocuSeal returns the fully merged signed PDF.

Results

Status matrix

Each row is one test, each column a step in the process. A dash means that step doesn’t apply to that scenario — it’s not a failure.

ScenarioEligibility CheckPlan SelectedApplication DetailsHealth QuestionsApplicant SignedSpouse SignedApplication Finalized
VUMI · No spouse
VUMI · With spouse
IMG · No spouse
IMG · With spouse
Best Doctors
VUMI · No spouse

VUMI No spouse

Jordan Rivera · age 35 · Jamaica · budget $500/mo · spouseIncluded = No

Verified · real signature
Signing system reference ID 41b9d5b6-b6a4-4853-b4c2-ce189a1d9a32 (DocuSeal signed-file reference)
RoleNameEmailSlugNote
ApplicantJordan Riveradavid.bain+e2e-test@incrementic.comSigned once, no co-signer

Recording (578 KB)

Step-by-Step Screenshots

Landing page — starting budget question
Landing page — starting budget questionCaptured frame: vumi-medical-yes-01-budget.png
Qualification: location set to Jamaica
Qualification: location set to JamaicaCaptured frame: vumi-medical-yes-02-location.png
Qualification: nationality set to Jamaica
Qualification: nationality set to JamaicaCaptured frame: vumi-medical-yes-03-nationality.png
Qualification: profession search — Software Developer
Qualification: profession search — Software DeveloperCaptured frame: vumi-medical-yes-04-profession-search.png
Qualification: age question reached
Qualification: age question reachedCaptured frame: vumi-medical-yes-05-age.png
Qualification: age set to 35
Qualification: age set to 35Captured frame: vumi-medical-yes-06-age-set.png
Qualification: spouse included — No
Qualification: spouse included — NoCaptured frame: vumi-medical-yes-07-spouse.png
Qualification: number of children — 0
Qualification: number of children — 0Captured frame: vumi-medical-yes-08-children.png
Qualification: needs US coverage — No
Qualification: needs US coverage — NoCaptured frame: vumi-medical-yes-09-us-coverage.png
Plan results — comparing available plans
Plan results — comparing available plansCaptured frame: vumi-medical-yes-10-plans.png
Selected the VUMI plan — landed on enrollment
Selected the VUMI plan — landed on enrollmentCaptured frame: vumi-medical-yes-11-enroll-landed.png
Enrollment: contact form filled (Jordan Rivera)
Enrollment: contact form filled (Jordan Rivera)Captured frame: vumi-medical-yes-12-enroll-contact-filled.png
Enrollment: contact submitted — thank you screen
Enrollment: contact submitted — thank you screenCaptured frame: vumi-medical-yes-13-enroll-thank-you.png
Application: personal details prefilled
Application: personal details prefilledCaptured frame: vumi-medical-yes-14-prefill-filled.png
Application: medical pre-screening — pre-existing condition & current medication answered Yes
Application: medical pre-screening — pre-existing condition & current medication answered YesCaptured frame: vumi-medical-yes-15-medical-answered.png
Application: provider-specific details filled
Application: provider-specific details filledCaptured frame: vumi-medical-yes-16-details-filled.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: vumi-medical-yes-17-signing-in-progress.png
DocuSeal: documents signed — complete
DocuSeal: documents signed — completeCaptured frame: vumi-medical-yes-18-docuseal-signed.png
VUMI · With spouse

VUMI With spouse

Jordan Rivera · age 35 · Jamaica · budget $500/mo · spouseIncluded = Yes · spouse Casey Rivera, age 35

Verified · real merged applicant + spouse signatures
Signing system reference ID 9d9963de-1079-4424-918d-8b28ba846f17 (DocuSeal signed-file reference, merged document)
How the merged signed PDF was captured

The applicant and spouse sign in two separate DocuSeal sessions. The recorder captured the applicant's completion event, then replayed it against the app's completion endpoint once the spouse finished signing in their own session — that's what produced the merged PDF below.

Spouse signing session: https://docuseal.com/s/5Hd217QFxd9Yn4 (slug 5Hd217QFxd9Yn4), reached via a separate DocuSeal-hosted embed, never touching the app's own pages. Recorder log: “Replayed /api/docuseal/complete after spouse signed — signedDocuments: ["vumi-optimum_vip-application.pdf"]”.

RoleNameEmailSlugNote
ApplicantJordan Riveradavid.bain+e2e-test@incrementic.com3yeBR3tmAnd49ySigned first, in the app's embed
SpouseCasey Riveradavid.bain+e2e-test-spouse@incrementic.com5Hd217QFxd9Yn4Signed second, in their own separate DocuSeal session

Recording (517 KB)

Step-by-Step Screenshots

Landing page — starting budget question
Landing page — starting budget questionCaptured frame: vumi-spouse-01-budget.png
Qualification: location set to Jamaica
Qualification: location set to JamaicaCaptured frame: vumi-spouse-02-location.png
Qualification: nationality set to Jamaica
Qualification: nationality set to JamaicaCaptured frame: vumi-spouse-03-nationality.png
Qualification: profession search — Software Developer
Qualification: profession search — Software DeveloperCaptured frame: vumi-spouse-04-profession-search.png
Qualification: age question reached
Qualification: age question reachedCaptured frame: vumi-spouse-05-age.png
Qualification: age set to 35
Qualification: age set to 35Captured frame: vumi-spouse-06-age-set.png
Qualification: spouse included — Yes
Qualification: spouse included — YesCaptured frame: vumi-spouse-07-spouse.png
Qualification: number of children — 0
Qualification: number of children — 0Captured frame: vumi-spouse-08-children.png
Qualification: needs US coverage — No
Qualification: needs US coverage — NoCaptured frame: vumi-spouse-09-us-coverage.png
Plan results — comparing available plans
Plan results — comparing available plansCaptured frame: vumi-spouse-10-plans.png
Selected the VUMI plan — landed on enrollment
Selected the VUMI plan — landed on enrollmentCaptured frame: vumi-spouse-11-enroll-landed.png
Enrollment: contact form filled (Jordan Rivera)
Enrollment: contact form filled (Jordan Rivera)Captured frame: vumi-spouse-12-enroll-contact-filled.png
Enrollment: contact submitted — thank you screen
Enrollment: contact submitted — thank you screenCaptured frame: vumi-spouse-13-enroll-thank-you.png
Application: personal details prefilled
Application: personal details prefilledCaptured frame: vumi-spouse-14-prefill-filled.png
Application: medical pre-screening answered No
Application: medical pre-screening answered NoCaptured frame: vumi-spouse-15-medical-answered.png
Application: provider-specific details filled
Application: provider-specific details filledCaptured frame: vumi-spouse-16-details-filled.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: vumi-spouse-17-signing-in-progress.png
DocuSeal: primary applicant signed — spouse signature next
DocuSeal: primary applicant signed — spouse signature nextCaptured frame: vumi-spouse-18-docuseal-signed.png
DocuSeal: spouse's separate signing session opened
DocuSeal: spouse's separate signing session openedCaptured frame: vumi-spouse-19-spouse-signing-start.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: vumi-spouse-20-signing-in-progress.png
DocuSeal: spouse signed — complete
DocuSeal: spouse signed — completeCaptured frame: vumi-spouse-21-spouse-signed.png
IMG · No spouse

IMG No spouse

Jordan Rivera · age 35 · Jamaica · budget $500/mo · spouseIncluded = No

Verified · real signature
Signing system reference ID c8aaf8fd-e690-4dbe-acec-eff3003e2e4f (DocuSeal signed-file reference)
RoleNameEmailSlugNote
ApplicantJordan Riveradavid.bain+e2e-test@incrementic.comSigned once, no co-signer

Recording (602 KB)

Step-by-Step Screenshots

Landing page — starting budget question
Landing page — starting budget questionCaptured frame: img-medical-yes-01-budget.png
Qualification: location set to Jamaica
Qualification: location set to JamaicaCaptured frame: img-medical-yes-02-location.png
Qualification: nationality set to Jamaica
Qualification: nationality set to JamaicaCaptured frame: img-medical-yes-03-nationality.png
Qualification: profession search — Software Developer
Qualification: profession search — Software DeveloperCaptured frame: img-medical-yes-04-profession-search.png
Qualification: age question reached
Qualification: age question reachedCaptured frame: img-medical-yes-05-age.png
Qualification: age set to 35
Qualification: age set to 35Captured frame: img-medical-yes-06-age-set.png
Qualification: spouse included — No
Qualification: spouse included — NoCaptured frame: img-medical-yes-07-spouse.png
Qualification: number of children — 0
Qualification: number of children — 0Captured frame: img-medical-yes-08-children.png
Qualification: needs US coverage — No
Qualification: needs US coverage — NoCaptured frame: img-medical-yes-09-us-coverage.png
Plan results — comparing available plans
Plan results — comparing available plansCaptured frame: img-medical-yes-10-plans.png
Selected the IMG plan — landed on enrollment
Selected the IMG plan — landed on enrollmentCaptured frame: img-medical-yes-11-enroll-landed.png
Enrollment: contact form filled (Jordan Rivera)
Enrollment: contact form filled (Jordan Rivera)Captured frame: img-medical-yes-12-enroll-contact-filled.png
Enrollment: contact submitted — thank you screen
Enrollment: contact submitted — thank you screenCaptured frame: img-medical-yes-13-enroll-thank-you.png
Application: personal details prefilled
Application: personal details prefilledCaptured frame: img-medical-yes-14-prefill-filled.png
Application: medical pre-screening — pre-existing condition & current medication answered Yes
Application: medical pre-screening — pre-existing condition & current medication answered YesCaptured frame: img-medical-yes-15-medical-answered.png
Application: provider-specific details filled
Application: provider-specific details filledCaptured frame: img-medical-yes-16-details-filled.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: img-medical-yes-17-signing-in-progress.png
DocuSeal: documents signed — complete
DocuSeal: documents signed — completeCaptured frame: img-medical-yes-18-docuseal-signed.png
IMG · With spouse

IMG With spouse

Jordan Rivera · age 35 · Jamaica · budget $500/mo · spouseIncluded = Yes · spouse Casey Rivera, age 35

Verified · real merged applicant + spouse signatures
Signing system reference ID 77602bdd-4803-490f-a810-c8e5c460fc2d (DocuSeal signed-file reference, merged document)
How the merged signed PDF was captured

Same mechanism as the VUMI spouse scenario: the applicant and spouse sign in two separate DocuSeal sessions, and the recorder replays the applicant's completion event against the app's completion endpoint once the spouse's separate session finishes.

Spouse signing session: slug 7ZKcap7X8EsxrM, reached via a separate DocuSeal-hosted embed. Recorder log: “Replayed /api/docuseal/complete after spouse signed — signedDocuments: ["img-gmi_bronze_excluding-application.pdf"]”.

RoleNameEmailSlugNote
ApplicantJordan Riveradavid.bain+e2e-test@incrementic.comRHbasUr53YwATWSigned first, in the app's embed
SpouseCasey Riveradavid.bain+e2e-test-spouse@incrementic.com7ZKcap7X8EsxrMSigned second, in their own separate DocuSeal session

Recording (493 KB)

Step-by-Step Screenshots

Landing page — starting budget question
Landing page — starting budget questionCaptured frame: img-spouse-medical-yes-01-budget.png
Qualification: location set to Jamaica
Qualification: location set to JamaicaCaptured frame: img-spouse-medical-yes-02-location.png
Qualification: nationality set to Jamaica
Qualification: nationality set to JamaicaCaptured frame: img-spouse-medical-yes-03-nationality.png
Qualification: profession search — Software Developer
Qualification: profession search — Software DeveloperCaptured frame: img-spouse-medical-yes-04-profession-search.png
Qualification: age question reached
Qualification: age question reachedCaptured frame: img-spouse-medical-yes-05-age.png
Qualification: age set to 35
Qualification: age set to 35Captured frame: img-spouse-medical-yes-06-age-set.png
Qualification: spouse included — Yes
Qualification: spouse included — YesCaptured frame: img-spouse-medical-yes-07-spouse.png
Qualification: number of children — 0
Qualification: number of children — 0Captured frame: img-spouse-medical-yes-08-children.png
Qualification: needs US coverage — No
Qualification: needs US coverage — NoCaptured frame: img-spouse-medical-yes-09-us-coverage.png
Plan results — comparing available plans
Plan results — comparing available plansCaptured frame: img-spouse-medical-yes-10-plans.png
Selected the IMG plan — landed on enrollment
Selected the IMG plan — landed on enrollmentCaptured frame: img-spouse-medical-yes-11-enroll-landed.png
Enrollment: contact form filled (Jordan Rivera)
Enrollment: contact form filled (Jordan Rivera)Captured frame: img-spouse-medical-yes-12-enroll-contact-filled.png
Enrollment: contact submitted — thank you screen
Enrollment: contact submitted — thank you screenCaptured frame: img-spouse-medical-yes-13-enroll-thank-you.png
Application: personal details prefilled
Application: personal details prefilledCaptured frame: img-spouse-medical-yes-14-prefill-filled.png
Application: medical pre-screening — pre-existing condition & current medication answered Yes
Application: medical pre-screening — pre-existing condition & current medication answered YesCaptured frame: img-spouse-medical-yes-15-medical-answered.png
Application: provider-specific details filled
Application: provider-specific details filledCaptured frame: img-spouse-medical-yes-16-details-filled.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: img-spouse-medical-yes-17-signing-in-progress.png
DocuSeal: primary applicant signed — spouse signature next
DocuSeal: primary applicant signed — spouse signature nextCaptured frame: img-spouse-medical-yes-18-docuseal-signed.png
DocuSeal: spouse's separate signing session opened
DocuSeal: spouse's separate signing session openedCaptured frame: img-spouse-medical-yes-19-spouse-signing-start.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: img-spouse-medical-yes-20-signing-in-progress.png
DocuSeal: spouse signed — complete
DocuSeal: spouse signed — completeCaptured frame: img-spouse-medical-yes-21-spouse-signed.png
Best Doctors · No spouse flow

Best Doctors

Jordan Rivera · age 35 · Jamaica · budget $500/mo · spouseIncluded = No

Verified · real signatures (applicant signs twice on one form)

Best Doctors has the applicant sign twice on the same form — not a separate co-signer — so there's no spouse scenario for this provider. The Status Matrix's Spouse Signed column is marked N/A here for that reason, not because anything failed.

Signing system reference ID 1caf4dec-9655-446f-afc8-ae24a63d62ff (DocuSeal signed-file reference)
RoleNameEmailSlugNote
ApplicantJordan Riveradavid.bain+e2e-test@incrementic.comSigns the form twice (two signature blocks, one signer)

Recording (448 KB)

Step-by-Step Screenshots

Landing page — starting budget question
Landing page — starting budget questionCaptured frame: best-doctors-medical-yes-01-budget.png
Qualification: location set to Jamaica
Qualification: location set to JamaicaCaptured frame: best-doctors-medical-yes-02-location.png
Qualification: nationality set to Jamaica
Qualification: nationality set to JamaicaCaptured frame: best-doctors-medical-yes-03-nationality.png
Qualification: profession search — Software Developer
Qualification: profession search — Software DeveloperCaptured frame: best-doctors-medical-yes-04-profession-search.png
Qualification: age question reached
Qualification: age question reachedCaptured frame: best-doctors-medical-yes-05-age.png
Qualification: age set to 35
Qualification: age set to 35Captured frame: best-doctors-medical-yes-06-age-set.png
Qualification: spouse included — No
Qualification: spouse included — NoCaptured frame: best-doctors-medical-yes-07-spouse.png
Qualification: number of children — 0
Qualification: number of children — 0Captured frame: best-doctors-medical-yes-08-children.png
Qualification: needs US coverage — No
Qualification: needs US coverage — NoCaptured frame: best-doctors-medical-yes-09-us-coverage.png
Plan results — comparing available plans
Plan results — comparing available plansCaptured frame: best-doctors-medical-yes-10-plans.png
Selected the Best Doctors plan — landed on enrollment
Selected the Best Doctors plan — landed on enrollmentCaptured frame: best-doctors-medical-yes-11-enroll-landed.png
Enrollment: contact form filled (Jordan Rivera)
Enrollment: contact form filled (Jordan Rivera)Captured frame: best-doctors-medical-yes-12-enroll-contact-filled.png
Enrollment: contact submitted — thank you screen
Enrollment: contact submitted — thank you screenCaptured frame: best-doctors-medical-yes-13-enroll-thank-you.png
Application: personal details prefilled
Application: personal details prefilledCaptured frame: best-doctors-medical-yes-14-prefill-filled.png
Application: medical pre-screening — pre-existing condition & current medication answered Yes
Application: medical pre-screening — pre-existing condition & current medication answered YesCaptured frame: best-doctors-medical-yes-15-medical-answered.png
Application: provider-specific details filled
Application: provider-specific details filledCaptured frame: best-doctors-medical-yes-16-details-filled.png
DocuSeal: signature drawn, signing in progress
DocuSeal: signature drawn, signing in progressCaptured frame: best-doctors-medical-yes-17-signing-in-progress.png
DocuSeal: documents signed — complete
DocuSeal: documents signed — completeCaptured frame: best-doctors-medical-yes-18-docuseal-signed.png