Journey type
Life / term protection
Life / term quote journey
The life and term journey should move from income protection need and eligibility into cover options, rider comparison, verification, proposal drafting, and underwriting-aware payment steps.
Journey type
Life / term protection
Quote focus
Eligibility, cover amount, riders
Current state
Quote request ready
Shared journey backbone
risk
Collect the minimum inputs needed to classify the journey.
quote
Show available, partial, and unavailable insurer responses.
verification
Capture mobile/email and complete OTP only when proceeding.
proposal
Turn the selected quote into a proposal-ready record.
payment
Support direct payment and agent-generated payment-link flows.
Journey snapshot
Canonical draft
{
"product": "life",
"roleMode": "customer",
"currentState": "quote_requested",
"values": {
"life.coverAmount": "5000000",
"life.annualIncome": "",
"life.occupation": "salaried",
"life.smoker": "no",
"contact.mobile": "",
"contact.email": "",
"proposal.proposerName": "",
"proposal.nomineeName": "",
"proposal.nomineeRelationship": "",
"proposal.healthNotes": "",
"payment.mode": "direct_customer_payment",
"payment.channel": "whatsapp"
}
}Product highlights
Age, income, occupation, and smoker status shape eligibility before any proposal draft should begin.
Cover amount, premium term, payout option, and rider suitability should be explained before verification.
Medical review, documents, and revised premium states must be expected parts of the journey.
Lead capture foundation
The first reusable quote engine still respects the value-first rule. This form becomes relevant when the user wants to continue the journey.
Quote starter
Begin with income protection needs and a rough cover amount before sharing more proposal details.