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The carrier quote PDF was never built for your client.
It is a rating output. Forwarding it to the insured hands them the back-office paperwork and calls it a proposal.
Two documents, two readers
A carrier quote PDF is written for the person who rated it. Coverage codes, form numbers, endorsement line items, surcharge detail, the carrier's branding on every page. All of it is useful to an agent and noise to an insured.
A proposal is written for the person paying the premium. What is covered, in plain lines. What it costs, by line and in total. How long the numbers hold. What to do next. One page, readable on the phone where it will be opened.
What forwarding the PDF actually says
The attachment wears the carrier's logo, so the work your agency did shows up as a filename in an email. The total is on page six, or split across pages, so the one question every client has takes scrolling to answer. And when the client shops your quote around, the carrier's document travels well; nothing on it points back to you.
None of that is the carrier's fault. The quote PDF does its actual job fine. Its job was never client communication.
What a proposal keeps, and what it drops
A proposal keeps every number that matters: limits, deductibles, premium by line, the effective date, and the date the quote stops being valid. It drops the rating detail the client cannot act on. The full carrier quote does not disappear; it can sit one click behind the proposal as backup for whoever wants it. The page the client reads and the paper trail behind it are different documents doing different jobs.
The part that protects the agency
A proposal only beats the PDF if the numbers on it are right, which is why the send has to sit behind a review. In Proposal Wolf a person at the agency approves every field before anything goes out, and fields the quote document never stated stay blank instead of being guessed. Every proposal carries the line that it is a summary of carrier quotes, not a policy or a binder, and that coverage is not bound until the agency confirms it in writing. Acceptance is a typed name that records intent to proceed; it is not a binding signature.
See both, side by side
The examples page has two sample proposals, personal and commercial, rendered by the same engine a live client link uses, each with its letter PDF. The demo starts from a sample carrier quote so you can watch the fields fill and see the page a client would open. Nothing in it sends mail or writes a record.