When signing up for a GCS Online account you have 2 choices:

Our Individual Account allows you to save quotes and issue policies as and when you like. Policies are issued immediately, without the need for referral. You have the option to be added to a group and/or become a Group Account Administrator at a later stage if you wish.

Our Group Account permits you to add people from your firm/branch to your group. The main difference is that you can add/remove people, view all saved quotes and issued policies by people in the group, receive group statements for all members within the group, and (with permission), issue policies on behalf of other people in your firm/branch.