Single scrolling page. The left rail is an anchor / scroll-spy, not a 4-step wizard. Quick Quote is the front door; rates populate inline; Complete Application expands in place; Submit opens the Carrier Handoff. Styled on the live app's real components.
For: engineering - interaction spec | Live: age/DOB side-by-side, up to 3 face amounts, health tiering, price/commission sort, promote carry-forward, copy-to-rekey handoff | Date: 2026-07-16 | rates are an illustrative fake table, not the engine
Prototype for eng - spec annotations show what is live vs canned, transitions, and data-model touchpoints.
Quick Quote
Start a quote
State: Quick Quote (the front door)No mode toggle: Quick Quote is the only entry. No record is created until Get rates (a lightweight quote row). "Complete application" enriches it; on Submit it becomes a My Book record and opens the Carrier Handoff.
Header copy (design note, not on-screen subtext)"Minimal inputs for a fast rate - no client PII yet. Rates populate below on this same screen. Complete the application in place when the prospect is ready."
Applicant
Age or date of birth enter either - the unused one grays
Age
or
Date of birth
Rating uses age. A date of birth derives it (shown above the field).
State
GA▾
Sex
Tobacco use
Face amount quote up to 3 at onceEnter any amount in $1,000 increments ($5,000 to $40,000).
Health conditions
Conditions optional - add to refine, or skip
⚲
Demo: add a condition to watch tiers shift. + Diabetes (insulin)+ COPD
Live: health beside demographicsConditions sit next to the inputs, not below (agent enters them in the same pass). Adding one re-tiers carriers on the results (Level → Graded or knockout) off a fake tier table - ties to PEA-491 / PEA-498.
Live: age/DOB side-by-side + face amountsAge and Date of birth are both shown; typing in one grays the other (no toggle - PEA-488). A DOB derives the age on the field. Up to three face amounts can be quoted at once; each carrier card stacks the monthly for every amount (PEA-487 default $10,000).
Ranked carriers
Rates
State: Results (semi-live, real card styling)Cards mirror the live app's coverage card: two-bar quality rail, dot + word signals (not pill badges), mono price, commission as $ glyphs. Rendered from a fake rate table keyed on the inputs. No client PII captured yet.
Ranked by price
Live: sort toggle (PEA-465) + commission detailPrice low-to-high is the DEFAULT (the live app currently defaults to commission - this is the flip). Toggling re-orders by relative comp. Commission shows only as $/$$/$$$, never a dollar value, and admin can set the default + hide it entirely.
Complete application
Complete the application
State: Complete application (the promote step)The lightweight quote row is enriched into a full lead/customer, carrying every entered field forward. On Submit it advances to My Book (promote-on-submit, PEA-469) and opens the Carrier Handoff.
Header copy (design note, not on-screen subtext)"The quick-quote fields carry forward - no re-entry. Add the client details and submit. This is the graceful step up from a quick quote to a full application; there is no separate 'full lead' mode."
Complete application
Add client details to submit
▾
Carried from Quick Quote
Age was entered without a date of birth - a date of birth is required to submit. Enter it below.
First name
Last name
Phone
Email optional in quick path
Date of birth required
Street address
City
State
ZIP
Beneficiary optional
Live: DOB-required guardIf the quote was started with age only, the DOB field appears and is flagged required before Submit (spec: rating uses age, but the application needs the date - PEA-488).
Banking & Submit
Verification & Banking
State: Verification & Banking (unchanged - exact flow from today)This is the live app's existing banking + submit step, mocked in as-is. SSN + banking are collected from the client via a secure link (Text / Email) or entered Manually on the call; once verified, Submit Application enables and opens the Carrier Handoff. Nothing here is being redesigned - Text flow is interactive in this proto.
UNI
Client
Carrier
Product
$0.00/mo
1. Banking & SSNSecured · HIPAA · SOC 2
Send Link via Text
Client or family member completes online
SentOpenedSubmitted
Send link to
Waiting for customer verification.
Ready to Submit Application
Quote for ...
v1 = manual submission. Opens the Carrier Portal Handoff sheet so you can copy each field into the carrier's portal, then mark submitted / abandoned there. (RPA / iPipeline auto-submit comes later.)
Carrier submission
Apply at the carrier
Banking & SSN are collected from the client through a secure link (text / email / voice); once verified, this handoff opens. Copy each field into the carrier's portal, then mark submitted. (RPA / auto-submit comes later.)
State: Carrier Handoff (terminal + loop closed)On Submit the record promoted into My Book (status Submitted) and this sheet opened. v1 is manual: the agent re-keys each field into the carrier portal. Copy turns a row green so the agent keeps their place mid-call.
One scrolling page, five sections: Quick Quote → Rates → Complete application → Banking & Submit → Carrier Handoff. The left rail is a scroll-spy / anchor nav (highlights the section in view; clicking scrolls to it), not a wizard. Sections unlock progressively: Rates on Get rates, Complete on Select, Banking & Submit on Continue, Handoff on Submit.
Minimal fields (Quick Quote)
Age OR date of birth (both shown side-by-side; the unused one grays; DOB derives age - PEA-488), State (narrow), Sex, Tobacco, up to 3 Face amounts (default $10,000 - PEA-487), optional Health conditions (beside the inputs). No name / phone / email / zip to get a rate (PEA-464).
New vs the live card: the live card shows ONE price. With 2-3 face amounts, the Monthly column stacks one price per amount (tagged $10k / $15k / $25k). Flagged as an extension, not current behavior.
Complete application → Banking & Submit → Handoff
Selecting a plan opens the Complete-application accordion (fields carry forward; adds phone/email/address/city/state/zip/beneficiary; DOB required if only age was given). "Continue to Banking & Submit" advances to the verification step.
Banking & Submit is the live app's existing flow, mocked unchanged: Text / Email / Manual channel; a secure link (Text/Email) goes to the client or family member who completes SSN + banking online (Sent / Opened / Submitted stepper), or Manual entry on the call. Submit Application stays disabled until verified, then Submit = promote-on-submit: record lands in My Book (Submitted) and the Carrier Handoff opens. The agent never types the client's SSN/banking. Text flow is interactive here; Email/Manual switch the copy.
Handoff = accent progress bar + one white panel of hairline-split sections; each field row turns green on Copy; sensitive rows (SSN / routing / account) are masked with a Reveal, owner-only. Note from the live app: banking/SSN are collected via a client-completed secure link before Submit enables - the agent never types them.
Live vs canned
Live: age/DOB gray-out + derive, add/remove face amounts, condition tiering, price/commission sort, hide-commission, promote carry-forward, copy-to-green + reveal on the handoff, scroll-spy nav.
Canned: the rate numbers (fake table, ~6 carriers), the specific carriers, and the client PII. Real rates come from the rate-data API; tiers from the carrier setup engine.
Related prototypes
My Quotes / My Book:pp-rq-quote-log.pages.dev (spec quote-log v0.8, PEA-345 / PEA-469) - the record lands there on submit.