Overlaying images in automated insurance policy form generation includes electronically converting a first form in a first format to a second format to and in response to receiving a Web page request, electronically communicating the second form to be displayed within the Web browser instead of electronically communicating the first form in the first format to be displayed within the Web browser. In the case where the first format is Adobe® portable document format (PDF) and the second format is Joint Picture Expert Group (JPEG) format, this enables the user of the browser to overlay images on the forms within the Web page interface of the browser, while it appears to the user they are overlaying images on the original PDF versions of the forms. The final integrated PDF form is then generated from the data indicating the location of the overlay image on the underlying JPEG form. This process may also apply to insurance policy forms wherein the overlay image is a state specific stamp to be placed on the underlying form.