Context
will bank was a Brazilian digital bank for people in classes C and D. I led design for its commissioned products: insurance, mobile top-up and capitalization. My job was to turn them into profit levers, with value that made sense in our customers' real lives.
Our partner insurer proposed a new life insurance with Disney+ benefits. We had no conversion data for life insurance in our base. We did have a card insurance with stagnant sales, a recovery plan that was being incentivized, and pressure to grow insurance revenue fast.
The problem with testing it
The problem was testing it fast:
- Our last fake door test took about two months from build to analysis.
- Engineering and data had no room in their backlog.
- Insurance isn't top of mind, so reaching statistical relevance took a long time.
- We had launched products based only on what people said in research, and they didn't reach the adoption we expected. This time I wanted to see what people actually did.
What I did
I built a no-code fake door out of tools we already had: a server-driven minicard on the Home screen, a prototype in Figma Sites, and Clarity to watch every session. Two groups of customers saw two offers: card insurance with Disney+, or card insurance alone.
What the test showed
In two weeks, with 184,755 customers in the test, Disney+ lifted interest by 28.5% among new customers and 76.7% among customers in the recovery plan, both relative to the plain offer. Heatmaps and recordings showed which coverages drew attention and where people dropped off, and the new product got a five-star evaluation.
Conclusion: will bank customers were interested in Disney+. We built the product, and I took part in the partnership negotiation with Disney, presenting in English.
Meanwhile, the next insurance
While the product was in development, I kept looking at the future of insurance: research in levels, a JTBD bot, and a test where customers built their own insurance. That's its own case: Personalized insurance.
Result
Card insurance with Disney+ sold 16,139 policies in its first month, 20% above target. Sign-ups from the Home screen rose 433.6%, and its 0.39% conversion made it the most successful product in the Insurance Hub.
The no-code fake door and the research bots became the benchmark for other teams at the bank.