The screen is easy.
The logic matters.

A policy platform can look finished while the insurance decisions underneath it are still unresolved. We help make those decisions explicit.

Insurance meaning → working requirements

Specify the exception.
Test the boundary.

For insurers and technology teams building or changing policy, underwriting, distribution, servicing and claims workflows.

Scope what must happen

Translate product wording and operating rules into inputs, decisions, workflows, interfaces and referral requirements. Record which rule takes precedence.

Make execution concrete

Define development work packages, dependencies and responsibilities. Support delivery against an agreed client, vendor and Protector IQ scope.

Test what could go wrong

Build scenarios for normal cases, exclusions, missing information, changed product versions and policy-year boundaries. Support defect triage and UAT.

What you can commission

A specification that
can be challenged.

Benefit-to-rule map and workflow specification.

Decision log, data and integration requirements.

Test scenarios, expected outcomes, acceptance criteria and UAT support.

Development capacity, integrations, environments, security responsibilities and support arrangements are established for each assignment.

Illustrative working example

What does “restore”
actually tell a system?

FOLLOW THE RULEIllustrative benefit · Select a scenario

A proposed benefit restores the limit once per policy year, after exhaustion, for a subsequent unrelated illness.

Limit not exhaustedRelated illnessSecond restoration

THE TEST

Some of the original limit remains.

EXPECTED BEHAVIOUR

Do not activate restoration. “Almost exhausted” is not the trigger in this proposed rule.

Fictional design exercise, not policy advice. Actual rules and referral decisions follow insurer-approved wording.

Workflow & user research

The process on paper.
The work in practice.

Research with users and frontline teams helps reveal workarounds, unclear decisions and missing information. Those findings can shape requirements, hand-offs and realistic acceptance scenarios.

Explore research & field research

Start a conversation

What are you trying
to make work?

Bring the question on your desk. We’ll help turn it into a clear brief, useful outputs and an agreed scope.

Discuss your brief ↗

The screen is easy.The logic matters.

Specify the exception.Test the boundary.