Underwriting Risk Assessment System Tool Transformation
Simplified a complex medical risk calculator used by underwriting teams to improve data accuracy, workflow clarity, and processing efficiency.
Risk Profile Calculator is an underwriting risk assessment engine used by underwriters and medical assessors to assess whether a life insurance applicant is insurable, and at what premium. It takes medical, lifestyle, and family data from an insurance applicant and feeds it into actuarial models to determine whether to accept, decline, or rate (load a premium on) a life or health policy. It’s used by underwriters and medical officers — not consumers — and every field is financially and clinically consequential.
An internal medical risk calculator used by underwriting teams to evaluate applicant health data and determine insurance eligibility, premium loading, and case referrals.
The system was clinically dense and difficult to navigate, leading to high data-entry errors, incomplete submissions, and frequent clarification requests from underwriting support teams.
Redesigned the workflow by introducing domain-based grouping (BP, Glucose, Lipids, LFT, Renal), structured navigation, unit standardization, progressive disclosure, and clearer validation patterns to reduce cognitive load and improve data accuracy.
Reduced input errors and support dependency, improved underwriting efficiency, and streamlined high-stakes medical risk evaluation workflows.
Project at a Glance
Role: UX Designer
Domain: Insurance · Underwriting · Enterprise
Users: Underwriters & Medical Assessors
Scope: Medical Risk Scoring Workflow
Focus Areas: Data Accuracy · Cognitive Load · Workflow Efficiency
