Life insurance

InsurTech | Wealth Management | Enterprise B2B2C

S8 Life Insurance: Institutional Digital Transformation

Architected an institutional-grade, white-label FinTech ecosystem that transformed a 4-week paper-heavy process into a 48-hour digital-first engine

Key Objective: To transform fragmented, decentralized insurance operations into a centralized, high-speed digital ecosystem that maximizes user conversion and minimizes operational overhead.

Challenge: How might we digitize a decentralized, paper-heavy insurance process to eliminate 4-week lead times and high error rates while maintaining strict Swiss regulatory compliance?

The Client:
Swiss Life
(S8 In-house Solution)

My Role:
Senior UI/UX Designer

Spearheaded the digital overhaul of the life insurance lifecycle, from automated onboarding to goal-based wealth management.

The Delivery:

Process Re-engineering & Optimization: Conducted a comprehensive audit of decentralized sales cycles to identify critical bottlenecks. I led the transition from manual data entry to a Process-Driven UI, significantly reducing cognitive load and administrative "loops" between advisors and clients.
Competitive Intelligence & Benchmarking: Performed deep-dive analysis into industry leaders (Ethos, Policygenius) to bridge the gap between traditional Swiss insurance and modern InsurTech best practices. I translated these insights into a proprietary onboarding framework that prioritizes "Time-to-Quote."

Modular Financial Ecosystem: Designed a multi-feature "Financial Cockpit" that integrates goal-based investing, micro-savings, and real-time policy adjustments. This unified IA (Information Architecture) allows users to manage their total financial health in a single, high-trust environment.

Behavioral Wealth Management: Engineered a conversational UX for investment strategy selection, utilizing visualized data to demystify complex financial decisions and empower policyholders to manage their wealth with confidence.

Expertise Integration:

Instrumentation: Led the instrumentation of a process-driven UI and automated data-capture systems that eliminated manual entry errors and decentralized loops.

Feature Adoption: Achieved a 14x increase in sales velocity, directly driving adoption by reducing the barrier to entry for complex life insurance products.

CES Alignment: Optimized the Customer Effort Score (CES) by collapsing the onboarding journey from 4 weeks to 2 days, delivering a frictionless path to coverage.

The Impact:

🚀 14x Sales Velocity Acceleration: Redesigned the end-to-end onboarding journey, successfully reducing the industry-standard 4-week processing time to a frictionless 2-day digital experience.
🚀 Scalable White-Label Architecture: Engineered a modular design system and UI framework that allows for rapid localization and branding, facilitating a seamless rollout for Swiss Life and international markets.

🚀 Holistic Financial Engagement: Integrated micro-savings and goal-based investment tools that transformed insurance from a dormant product into a high-engagement personal finance platform.

The proposal - 1
How might we streamline the life insurance onboarding journey so users can get covered faster without feeling overwhelmed?

Challenge
Original sales process

Long cycle times relative to processing times
Complex processes, leading to high error rates
Mixed process quality and inefficiencies due to decentral organization and loops between process steps
High efforts in preparation and follow-up for advisers
Frequent changes in media usage with data entry and transmission
Multiple contact persons due to decentralized know how

Impact
4x Faster — Redesigning the Onboarding Experience

Get quote flow - Competitive Analysis
Ethos Life & Policygenius flow, features, UIUX analysis -

This analysis examined the get quote journeys of two leading online life insurance providers — Ethos Life and Policygenius — with a focus on form filling, verification processes, and overall UI/UX. The goal was to identify best practices and uncover gaps that could inform a stronger onboarding experience.

Typical Challenges in the Sales Process
Long cycle times are one major problem in individual life. The sales process can take up to several weeks.

New client onboarding flow
Automates and simplifies the entire onboarding process as depicted below:

UI Screens
Process-driven UI with clear form filling reduces cognitive load, builds user confidence, and drives higher completion rates.

New client onboarding prototype Designed and prototyped a streamlined onboarding flow for new life insurance clients, focusing on form clarity, process visibility, and reducing drop-off at critical touchpoints.

The Impact of Better Design —
From 4 Weeks to 2 Days The redesigned onboarding flow cut completion time from 4 weeks down to under 2 days, delivering a significantly faster and more efficient journey for new clients.

The proposal - 2
How might we digitize insurance operations in a way that drives innovation while making processes simpler for both users and the business?

Feature 1 -
One View, Everything You Need Designed a unified dashboard that brings financial accounts and insurance policies together in one place — giving users a complete, at-a-glance picture of their financial health without the need to navigate between multiple screens.

Feature 2 -
Frictionless Payments — Designing for Speed and Trust
Integrated Apple Pay and TWINT into the payment experience, reducing checkout friction and giving users a fast, secure, and familiar way to complete transactions with confidence.

Feature 3 -
Always On — Designing a Smarter Support Experience
Designed a 24/7 chatbot experience that delivers instant, personalised support — replacing traditional wait times with a conversational interface that resolves technical inquiries at any hour, on any device.

Feature 4 -
Goal-Based Investing — Designed Around the User
Designed an investment experience built around personal goals, pairing visualised data with a conversational UX that guides users toward smarter financial decisions through clarity, context, and personalised insights.

Feature 5 -
Micro-Savings Feature — Designing for Financial Confidence
I designed a micro-savings function that bridges insurance and personal finance — enabling policyholders to save incrementally for future premiums through a clear, low-friction experience built for everyday users.

Feature 6 -
Turning Complexity Into Clarity
Digitize the investment strategy adjustment and selection process in wealth management, enabling real-time data analysis and personalized recommendations.