about.

Making Complex Insurance Coverage Simple, Memorable and Human

Role: Product Designer (UX, UI, Service Design)
Client: TD Insurance - Critical Accident Recovery Plan
Scope: Responsive web, enrollment flow, benefits system

Role: Product Designer (UX, UI, Service Design)
Client: TD Insurance - Critical Accident Recovery Plan
Scope: Responsive web, enrollment flow, benefits system

Role: Product Designer (UX, UI, Service Design)
Client: TD Insurance - Critical Accident Recovery Plan
Scope: Responsive web, enrollment flow, benefits system

Insurance is one of the most important products people buy - and one of the least understood. TD was treating the Critical Accident Recovery Plan as a content problem. After a deep dive, it helped to reframe it as a perception problem. The product wasnt broken. Customers simply werent going to act on something they couldnt picture, trust, or understand. 

Insurance is one of the most important products people buy - and one of the least understood. TD was treating the Critical Accident Recovery Plan as a content problem. After a deep dive, it helped to reframe it as a perception problem. The product wasnt broken. Customers simply werent going to act on something they couldnt picture, trust, or understand. 

The product itself was strong: a tax-free lump sum, hospital coverage, and recovery benefits for the moments no one wants to plan for. Customers were hesitating because the value felt abstract, the benefits felt fragmented, and the experience felt like decoding fine print instead of making a decision. Insurance wasn't being understood. It was being tolerated.

By moving the conversation from "explain the policy" to "make the protection feel real enough to act on today," every downstream decision - copy, hierarchy, pricing, CTA - had a north star to ladder back to.

approach.

These decisions helped to shape the work:

01 Treating benefits as lived outcomes instead of contract items so that a lump sum became a recovery and hospital coverage became a day away from work;

02 Architecting the information to be scannable at a glance - separating lump-sum from recurring benefits and layering severity visually

03 Structuring enrollment around confidence rather than caveats, leading with eligibility and price instead of fine print.

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results.

01 Value made tangible. Benefits were translated from numbers into real-world impact. A $100,000 lump sum stopped being a figure and became what it actually supports - turning insurance language into something customers could picture and feel.

02 Coverage made scannable. A modular card system separated lump-sum from recurring benefits and layered severity visually, letting customers understand a layered, conditional product in seconds instead of paragraphs.

03 Enrollment as a decision, not a form. Clear eligibility ("no medical questions required"), a lightweight price anchor (from ~$9.95/month), and confidence-led CTAs reframed the final step from "I need to think about this" into "I get this."