S1P | HiQOR | EDL Consumer Journey
What the consumer does during race registration, who engages them next, and what moves between S1P, HiQOR, and EDL because of it.
Scenario 1
No AD&D / No Marketing
Consumer declines everything. The journey ends at registration — for now.
Registers for race
Complimentary AD&D arrives pre-selected on the registration form.
Unchecks complimentary AD&D
Does not opt into EDL marketing consent
Completes registration
No insurance journey initiated
Consumer declined AD&D and did not provide marketing consent. No further HiQOR/EDL action occurs unless the consumer is subsequently re-engaged.
May re-engage the consumer about complimentary AD&D
Does S1P re-engage this consumer about AD&D, and on what cadence?
If the consumer later elects AD&D...
Receives AD&D election
S1P records the consumer's complimentary AD&D election at registration.
Creates consumer / journey record with EDL
Generates JourneyLink
Sends AD&D activation email
May subtly preview Training Insurance — the full product presentation happens inside the EDL activation experience.
Clicks JourneyLink and enters EDL experience
Consumer clicks the JourneyLink and lands in the EDL activation experience.
Verifies required information / eligibility
Training Insurance presented — before the complimentary AD&D bind, not mandatory
Selects Training Insurance
Selects desired coverage option
Completes Training Insurance purchase
Continues to complimentary AD&D activation / binding.
Declines Training Insurance
Declines Training Insurance
Continues directly to complimentary AD&D activation / binding.
Complimentary Race-Day AD&D binding completed
Complimentary AD&D coverage is bound for the consumer, after the Training Insurance decision.
Term life presented — ~15 days after AD&D bind
Consumer