Wireframe of the design

A Segmented-Focused Insurance Product

Designing a health product for seniors doesn’t have to feel old. This project flirted with insights, stripped away assumptions, and dressed the product in exactly what customers desire, no extras, no fluff, just pure strategic seduction.

The Challengue

An insurance company sought to innovate by designing a health insurance product for a specific demographic. The business objective was to attract that target earlier, increase product sales, and reduce long-term costs by having customers pay into the insurance longer before claiming benefits.

Key Challengues

When perception doesn’t match reality, it shows. From misjudged labels to feature overload, the real challenge wasn’t the customer, it was our assumptions about them. Time to unlearn, undress, and redesign.

Misalignment Between Stakeholder Assumptions and Customer Reality

A key challenge was overcoming internal biases and misconceptions about the target.

Misalignment Between Stakeholder Assumptions and Customer Reality

A key challenge was overcoming internal biases and misconceptions about the target.

Misalignment Between Stakeholder Assumptions and Customer Reality

A key challenge was overcoming internal biases and misconceptions about the target.

Lack of Unified Understanding of the Target Segment

The referred target was used broadly and inconsistently, making it difficult to align on who the product should be designed for.

Lack of Unified Understanding of the Target Segment

The referred target was used broadly and inconsistently, making it difficult to align on who the product should be designed for.

Lack of Unified Understanding of the Target Segment

The referred target was used broadly and inconsistently, making it difficult to align on who the product should be designed for.

Overcomplicating the Product with Unwanted Features

The assumption that more features meant more value led to early product versions being overloaded with extras that customers didn’t want or understand.

Overcomplicating the Product with Unwanted Features

The assumption that more features meant more value led to early product versions being overloaded with extras that customers didn’t want or understand.

Overcomplicating the Product with Unwanted Features

The assumption that more features meant more value led to early product versions being overloaded with extras that customers didn’t want or understand.

Emotional Disconnect in Product Messaging

Messaging and language used internally did not resonate with the audience. Since consumers did not want to feel labeled or defined by age.

Emotional Disconnect in Product Messaging

Messaging and language used internally did not resonate with the audience. Since consumers did not want to feel labeled or defined by age.

Emotional Disconnect in Product Messaging

Messaging and language used internally did not resonate with the audience. Since consumers did not want to feel labeled or defined by age.

Reconciling Internal Goals with External Realities

There was pressure to develop a product that would achieve business goals (growth, earlier engagement, cost reduction) while remaining attractive and ethical to users.

Reconciling Internal Goals with External Realities

There was pressure to develop a product that would achieve business goals (growth, earlier engagement, cost reduction) while remaining attractive and ethical to users.

Reconciling Internal Goals with External Realities

There was pressure to develop a product that would achieve business goals (growth, earlier engagement, cost reduction) while remaining attractive and ethical to users.

Objectives

We didn’t come to complicate, we came to delight. The mission? Listen hard, strip the noise, and design something that feels as good as it performs. Every touchpoint intentional. Every feature wanted. Every decision sexy and smart.

Identify Real Customer Needs & Perceptions

Identify Real Customer Needs & Perceptions

Identify Real Customer Needs & Perceptions

Design a Service Offering Grounded in Value, Not Complexity

Design a Service Offering Grounded in Value, Not Complexity

Design a Service Offering Grounded in Value, Not Complexity

Bridge the Gap Between Stakeholders and Customers

Bridge the Gap Between Stakeholders and Customers

Bridge the Gap Between Stakeholders and Customers

Ensure Business Feasibility and Regulatory Compliance

Ensure Business Feasibility and Regulatory Compliance

Ensure Business Feasibility and Regulatory Compliance

Develop Personas & Customer Journeys

Develop Personas & Customer Journeys

Develop Personas & Customer Journeys

Sustainability

By designing with real customer needs in mind and ensuring internal alignment, the product is set up for long-term adoption, business impact, and potential for adaptation in other markets.

The Results

  • A clearly defined product concept that aligns with customer reality.

  • Defined customer personas and journeys.

  • Refined feature list focused on what truly adds value.

  • A prioritization matrix for future feature development.

Impact

  • A co-created service aligned with customer expectations.

  • A more targeted and realistic understanding of the “targeted” segment.

  • Clear prioritization of product features and coverage levels.

  • Strengthened cross-functional collaboration and product viability.

Conclusion

This project successfully transformed assumptions into actionable insights, creating a product that reflects what customers truly value, and setting a foundation for scalable innovation in the insurance sector.

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Enter your email for business updates

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Enter your email for business updates