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04 VESTED

Get contracted, start selling, see what you are owed.

I co-founded Vested and lead its design. It is one hub where an independent health insurance agent gets contracted with carriers, sees what is blocking them, tracks every contract to appointment, and checks what they were paid against what they were owed.

INSPECT
Pre-launch
MY ROLE

Co-founder and lead product designer: research, product calls, mockups and the design system

TEAM

Me and one co-founder. AI drafted wireframes and wrote the code inside my design system

TIMELINE

July 2026 to today

STATUS

Built on sample data, desktop and phone, light and dark

01 PROBLEM

An agent cannot sell until every carrier says yes

Each carrier has to appoint the agent, usually through an FMO (field marketing organization) that takes a cut of every renewal. The agent types the same license, E&O certificate and bank details into every portal, then waits with no real status. Once they sell, each carrier pays on its own schedule, so a late payment and a missing one look the same.

  • STATUSA carrier can be live in Texas and blocked in Oklahoma, so status belongs on each carrier, market and state.
  • PAYThe FMO that pays the most can cost the most. Release and vesting decide whether the book belongs to the agent.
  • COSTConfirming a license is a paid lookup. At 10,000 signups that is $50,000 for accounts that may never convert.
02 DECISION MY CALL

Home answers three questions, in order

Wire: everything on Home at once.
My mockup: the agent’s three questions, in order.
OPTIONS
Show everything on Home as separate blocks, or answer the three questions an agent opens the app with: can I sell, what is blocking me, what am I owed.
PICKED
Four cards, Ready to Sell first. Blocked items and the contract pipeline share one card with a switch.
TRADE-OFF
The pipeline sits behind a switch instead of always showing.
03 DECISION MY IDEA

The FMO match ranks on freedom, not pay

Wire: a comparison table.
My mockup: one suggested match.
OPTIONS
Make the agent study a table of every FMO, or suggest one per carrier and keep the rest visible.
PICKED
One suggestion, ranked on release and vesting first, then approval rate and 12 month retention, then speed. Pay is shown and never ranked.
TRADE-OFF
No side by side table. Best match and Pays most badges keep the top payer visible without making it the default.
04 DECISION MY CALL

Registration follows the money

The license step, after who pays is settled.
OPTIONS
Run the paid license lookup at signup, or settle who pays before it fires.
PICKED
Step one is free and resumable. Step two settles who pays: an independent agent pays a small registration fee, an agency pays for its agents. The card is held, not charged, until a license record comes back.
TRADE-OFF
One more decision before the agent sees their licenses filled in.
05 THE APP

The working app, built inside my system

I set the concept, the brand and the variables, and I make every product call. Claude drafts wireframes and writes the code inside my design system; I turn wires into mockups and keep only what works. About 200 product questions are logged so far, every one mine to decide.

Contract Pipeline. Stalled is measured against each FMO’s own median.
Commissions, grouped so missing pay cannot hide inside a total.
Day one, useful before a single appointment.
Phone, where Ready to Sell still leads.
06 WHERE IT STANDS

Not launched yet: what I will measure, and what I would change

STATUS
Built on sample data, desktop and phone, light and dark.
WILL MEASURE
Time from signup to first appointment, goal weeks down to days. Expected commissions matched to a payment.
ACCESSIBILITY
10,097 text layers checked for contrast. Failures cut from 359 to 79, and every one left is disabled text, which WCAG exempts.
NEXT TIME
Write one sample book on day one, and model status on the carrier, market and state cell from the start.
Next: ChairLine