Selected work
Product design · PolicyAdvisor

The quote is already there.

An advisor is on a live call. The client asks what it costs. PolicyAdvisor’s Quote Engine answers the entire Canadian market before the sentence finishes — and sends it, formatted, while they’re still talking.

RoleDesign & front-end
SurfaceAdvisor quoting tool
StatusShipped · in production
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The moment

“So what’s this going to cost me?”

Behind that one question: thirty-plus Canadian insurers, five product lines, every coverage amount, every term. The losing answer is “let me put something together and send it over later” — because later is when the client’s attention, and the sale, is gone.

So the entire tool is built around a single idea. The answer is never assembled. It’s already there the instant it’s asked for — and it leaves the screen as fast as it arrived.

The engine — live

Don’t take my word. Run it.

This is the real interaction, working. Press the button. Watch the market arrive.

Quote Engine live rates
A few questions
$1,000,000

The market, on one click

Enter what the client said. The Quote Engine prices every Canadian insurer at once.

0
pricing Humania

The whole market

$1M · 20-yr
30+ Canadian insurers · sorted by price
+ 22 more carriers
Sent to the clientHumania · $1M · 20-yr · emailed, formatted
Single Lifeterm
Multi Life+ a spouse
Critical Illnessadd to quote
Whole Lifepermanent
Term + WLcombo

Same client. Every product line. The quote follows — no second form.

Humania$64.15
RBC$67.35
BMO$68.76
Beneva$87.30
+ 26 more···
01 — the answer

One click. The whole market, ranked.

Thirty-plus Canadian insurers, priced for this exact client and sorted cheapest-first. The advisor doesn’t assemble the answer — it’s on screen by the time the client finishes the sentence. Real rates: Humania $64.15 through Manulife $91.40.

10 yr$41.90
15 yr$54.20
20 yr$64.15
25 yr$78.40
30 yr$96.10
02 — the upsell, pre-answered

“What if we go bigger?” — already priced.

The client wants $1M. The advisor shows $1M, $1.5M, $2M — across every term — without a re-quote. The whole grid is computed in the same pass, so the question the client always asks next is answered before they ask it.

Hi Daniel — your Humania quote: $1M / 20-yr / $64.15/mo. Best of 30+ insurers. Full breakdown in your inbox.
03 — the close

It leaves the screen as fast as it arrived.

Email or text, straight from the quote row — formatted, branded, sent while the client is still on the call. No copy-paste, no second tab, no “I’ll send that over later.” The loop closes inside the tool. Try it in the engine above.

What we’re quoting

One client. Every product.

The same applicant, quoted across every product line PolicyAdvisor sells — the quote follows, no second form.

Single Life
Term life, one applicant
Multi Life
Add a spouse — same quote
Critical Illness
Layered onto the same client
Whole Life
Permanent coverage
Term + WL
Combo, priced together
Children’s Whole Life
Permanent cover for kids
Visitors to Canada
Newcomer & visitor medical
Super Visa
Parent & grandparent cover
Outbound Travel
Trips out of Canada
Health & Dental
Supplemental coverage
Reflection

Convenience isn’t a feature you add. It’s the steps you take away.

A quoting engine this powerful wants to show its work — every carrier, every field, every product on screen. That version is complete and useless on a live call, because the advisor is the one doing the assembling.

The decision I’m proudest of is how little the advisor does. One submit. No re-quotes. One tap to send. Everything else — the amounts, the terms, the products, the formatting — is already done by the time they’d have thought to ask. That’s the whole job, and you just felt it in the engine above.