Abstract: A system, method and program product for source point collection of insurance application and contract data. A potential client or a customer contacts an insurance agent, providing sufficient information that includes whatever is necessary to obtain a quote on an insurance policy. The insurance agent passes the client information, preferably over the Internet, to insurance carrier databases on a central system or server. The client data is automatically entered into insurance industry standard forms, such as those promulgated by the Association for Cooperative Operations Research (ACORD), for example. An insurer may accept the application and issue a policy, conveying such information to the requesting agent or return completed forms to the agent. Completed forms may be compressed into a single file which may be transmitted to the requesting insurance agent as e-mail or, may be made available for direct download from the server by the agent.