Bajaj Life
Live project
Live
Full time role
Full time role
50+ screens
50+ screens
60+ days of efforts
60+ days of efforts
Smart Quote
Smart Quote
Making quote generation faster, simpler, and conversation friendly.
Making quote generation faster, simpler, and conversation friendly.
Designed to reduce friction and build confidence during live meetings.
Designed to reduce friction and build confidence during live meetings.
What is Smart Quote?
What is Smart Quote?
At Balaj, sales advisors use Smart Quote (Revamped app) to generate a Quote and Benefit Illustration (BI) of an insurance policy during client (Lead) meetings.
At Balaj, sales advisors use Smart Quote (Revamped app) to generate a Quote and Benefit Illustration (BI) of an insurance policy during client (Lead) meetings.
Quote is nothing but the financial snapshot of a policy, including premium, sum assured, and benefits and benefit Illustration (BI) is the visual breakdown of how these numbers work across the policy term.
Quote is nothing but the financial snapshot of a policy, including premium, sum assured, and benefits and benefit Illustration (BI) is the visual breakdown of how these numbers work across the policy term.
Madhukar Rao
Sales Advisor
Kapil Das
Client
Madhukar Rao
Sales advisor
The flow of Madhukar (Sales advisor) sounds simple
Fill client details
Generate quote & BI
Generate quote & BI
Explain Policy
But......In reality
Old app flow had,
Cognitive Overload During Live Meetings
A dense, multi-section form demanded full attention, disrupting natural sales conversations.
Rigid, All-at-Once Data Entry Model
Delayed and Unclear Error Handling
Validation errors appeared late, creating frustration and breaking advisor confidence mid-meeting
Output Designed for Compliance, Not Persuasion
Validation errors appeared late, creating frustration and breaking advisor confidence mid-meeting
Play video (Less than 2 min) describing the problem on live app!
OLD APP UI
Financial Need Analysis (Old tool) is
Embarrassing, Frustrating and Distracting.
The tool was increasing cognitive load instead of reducing it.
Imagine sitting in front of a client and typing numbers into a rigid form…and then getting nothing for few minutes and then error message comes
Madhukar Rao
Sales Advisor
After stakeholder discussions and behavioural data (of both clients and advisors) from PMs, a few things became clear
Advisors don’t need all details upfront
Most fields had predictable defaults
Sales meetings need speed + confidence
Smart Quote:
A redesigned experience built to support speed, clarity, and confidence during client discussions.
Home screen:
This screen is designed to keep things moving. By showing the most frequently pitched products at the top, advisors can quickly select what they usually sell without wasting time searching especially during live client meetings.
At the same time, advisor can browse through products
Instead of filling everything correctly before proceeding, I shifted to: Start simple & Refine later.
"Now I want just 10 inputs…!"
Client details form
A few fields are intelligently pre-filled based on real user data shared by the PM team.
For example, around 90% of users select non-smoker, over 60% fall under salaried occupation, and a majority are male. These defaults are applied to reduce effort and speed up quote generation.
Policy details such as PT, PPT, payout, and variant are pre-selected based on available data.
The quote is generated using accurate personal details, while policy parameters are intelligently assumed, but adjustable.
Simply enter the correct Sum Assured amount, select riders (if any), apply applicable discounts, and you’re all set. Just review and update the premium.
This is where the quote becomes actionable!
Premium options are displayed intelligently across different payment terms, clearly showing annual premium, total payout, and highlighted savings.
The structured layout makes comparison intuitive, enabling advisors to confidently recommend the most value-driven option during the discussion.
Share Benefit Illustration
A contextual bottom sheet allows advisors to choose what they want to share One-Page or Detailed BI.
One pager BI (Benefit Illustration)
Premium details and rider configuration are handled through contextual bottom sheets to maintain continuity. Advisors can review premium breakdowns and apply riders without navigating away from the quote screen.
Thank you!
Open to feedback, critique, and discussion on scaling this system further.
Next project
Pashu Raksha
Digitising livestock compensation for forest department
The Core UX Improvements
Reduced field friction
Minimized error anxiety
Enabled fast quote generation
Improved conversation continuity
Designed for real meeting scenarios
Madhukar Rao
Sales Advisor
Impact thinking
Faster quote generation time
Reduced drop offs in middle of the journey
Higher confidence among advisors
Better client facing clarity
The advisor gained the confidence andstayed in control of the room
Madhukar Rao
Sales Advisor
Imagine sitting in front of a client and typing numbers into a rigid form…and then getting nothing for few minutes and then error message comes
”
”
Financial Need Analysis (Old tool) is
Embarrassing, Frustrating and Distracting.
The tool was increasing cognitive load instead of reducing it.
Sales meetings need speed + confidence
After stakeholder discussions and behavioural data (of both clients and advisors) from PMs, a few things became clear
Advisors don’t need all details upfront
Most fields had predictable defaults
Gaurav C
Smart Quote: a redesigned experience built to support speed, clarity, and confidence during client discussions.
Home screen:
This screen is designed to keep things moving. By showing the most frequently pitched products at the top, advisors can quickly select what they usually sell without wasting time searching especially during live client meetings.
At the same time, advisor can browse through products
Instead of filling everything correctly before proceeding, I shifted to: Start simple & Refine later.
This is where the quote becomes actionable!
Premium options are displayed intelligently across different payment terms, clearly showing annual premium, total payout, and highlighted savings.
The structured layout makes comparison intuitive, enabling advisors to confidently recommend the most value-driven option during the discussion.
Client details form
A few fields are intelligently pre-filled based on real user data shared by the PM team.
For example, around 90% of users select non-smoker, over 60% fall under salaried occupation, and a majority are male. These defaults are applied to reduce effort and speed up quote generation.
Policy details such as PT, PPT, payout, and variant are pre-selected based on available data.
The quote is generated using accurate personal details, while policy parameters are intelligently assumed, but adjustable.
Simply enter the correct Sum Assured amount, select riders (if any), apply applicable discounts, and you’re all set. Just review and update the premium.
Share Benefit Illustration
A contextual bottom sheet allows advisors to choose what they want to share One-Page or Detailed BI.
Premium details and rider configuration are handled through contextual bottom sheets to maintain continuity. Advisors can review premium breakdowns and apply riders without navigating away from the quote screen.
One pager BI (Benefit Illustration)
"Now I want just 10 inputs…!"
From Friction
To Flow
The existing (Previous) experience not only slowed down the pitching process but also affected advisor’s confidence during live conversations.
The redesign focused on simplifying interactions, reducing cognitive load, and aligning the flow with how advisors naturally operate in real-world scenarios.
What Changed
Streamlined the overall experience by reducing unnecessary inputs and structuring the flow in a more guided and intuitive manner.
Error-prone interactions were reworked to proactively guide users, minimizing the chances of mistakes and reducing anxiety while filling forms.
The journey was also optimised for speed. Advisors can now generate quotes quickly without breaking the flow of their conversation, making the experience feel seamless during live client interactions.
the entire experience was designed around real meeting scenarios—where time is limited, attention is divided, and clarity is critical.
As a result of these improvements, quote generation became significantly faster and more efficient, especially in live discussion settings.
There was a noticeable reduction in drop-offs across the journey, as users were able to complete tasks with fewer interruptions and less confusion.
Advisors reported higher confidence while using the platform. With fewer errors and a smoother flow, they were able to focus more on the conversation rather than the interface.
Overall, the product shifted from being a supporting tool to becoming an active enabler helping advisors stay in control, maintain momentum, and deliver a better client experience.
OUTCOMES
Thank you!
Open to feedback, critique, and discussion on scaling this system further.
Next project
Pashu Raksha
Digitising livestock compensation for forest department