《Concept》 Insurance and financial advisor desk

AyosGawa Payo

A client desk for licensed financial and insurance advisors in the Philippines. Each advisor gets a client page with a two-minute health check that becomes a lead, one list of follow-ups, and Taglish reminders the advisor approves before anything is sent. Sample data.

Concept · 2026

Concept · fictional business · sample data

Payo home page as a Facebook post: the board hero with the health check and a lead card.

The problem

Advisors in the Philippines have three options. The insurer's own app has no personal page and no lead capture. Generic CRMs cost about ₱800–2,500 a seat a month and aren't built for advisors. The rest use Excel, Messenger and a notebook. Premiums due, grace periods, renewals, birthdays and missing requirements all live in different places.

Research

Scanned on 17 Oct 2026. No Philippine indie advisor CRM or page builder was found. The sample price ladder undercuts generic CRMs: Solo ₱399, Unit ₱1,990 (up to 10), Agency ₱7,990 (up to 30) a month. The Insurance Commission's rules on advisor-sent reminders were not checked.

The idea

On this page, the advisor's printed needs worksheet becomes the hero board. The client fills it in like the paper version, and it files itself into the advisor's desk as a lead. Behind it sits one follow-up list and an approve button for every reminder.

The story

  1. Story slide: Payo cover.
  2. Story slide: the board hero, a 2x2 grid of tiles.
  3. Story slide: the health check that works out the protection gap.
  4. Story slide: the follow-up pain advisors carry in notebooks and Messenger.
  5. Story slide: notes in, Taglish reminder out, with an Approve button.
  6. Story slide: the advisor's desk, Today screen.
  7. Story slide: receipt matching screen with the locked confirm button.
  8. Story slide: the advisor's public client page with the health check.
  9. Story slide: the sample price ladder, Solo, Unit and Agency.

Screens

  • Client page as a Facebook post.
  • Home page as a vertical story in the dark room.
  • Home page as a vertical story.
  • Home page, carousel slide 1.
  • Home page, carousel slide 2.
  • Home page, carousel slide 3.
  • Home page, carousel slide 4.
  • Home page, carousel slide 5.
  • Home page, carousel slide 6.
  • Home page, scroll image 1, a column of the full page.
  • Home page, scroll image 2, a column of the full page.
  • Home page, scroll image 3, a column of the full page.
  • Drafts screen where the advisor approves each reminder.
  • Leads screen with a drafted reply.
  • Client page builder with a live preview.
  • Policies list with due dates.
  • The desk navigation rail.
  • Receipt matching screen.

What it does for the business

It would give an advisor one place for leads, follow-ups and receipts, and a client page that captures a lead from a two-minute check. Reminders get drafted in Taglish for the advisor to approve. Concept only, with sample clients and no real results.

Figures marked sample are illustrations, not real results.

How it's built

  • Every automation drafts or suggests and never sends. The only shortcut is a one-tap birthday greeting, which is still a tap.
  • Payo never collects premiums. Clients pay the insurer, so Payo only matches the receipt and records it.
  • No automated advice: drafts never name a plan, quote a premium that isn't on the policy list, or mention returns.
  • A no-name GCash payment stays locked until the advisor confirms it. A transfer that is ₱50 short can only get a note.
  • Beneficiary and health notes stay hidden until 'Show the notes', and opening them is logged.

HTML · CSS · JavaScript · localStorage · ChatGPT images