Associate Vice President
at TD Insurance
VP Sales – Greater Toronto & Hamilton Area
AVP Product and Distribution Marketing
at Foresters Financial
Does the concept of your solution offer something new and unique that hasn't been puled off before?
How significant is the impact on the business of your solution?
How is the quality of your supporting material from the Design Thinking exercises?
Does the solution make the end-user feel delighted, excited, empowered, or even relieved to use?
How easily can the solution be implemented?
Stay in touch with our innovation team and receive important updates via your dedicated team Slack channel.
This is also where you will submit your pitch video and PDF materials!
First time using Design Thinking or need a quick refresher? Check out overviews of the innovation methodology below!
While the Design Thinking stages may sound time-consuming, it’s possible to walk through each of them within a short timeframe.
We recommend teams structure your time according to the agenda below to ensure you are able to complete the submission materials from each phase before the deadline.
Below, you will find crucial information to guide you through these 2 days of insurance innovation, co-creation, and collaboration!
Thursday, November 10, 2022
5:30 – 6:30 PM EST | 3:30 – 4:30 PM MST
Join us for a virtual introduction and social event, where you will meet other innovators from across Canada, learn more about the ideathon, and engage in fun games to win exciting prizes!
How can we create an all-in-one insurance solution for an individual?
Customers are often overwhelmed by the complexity of insurance products & policies and the coverage details that come with them. Eliminating policies by each line of business to have a “total coverage” approach that can be used up as different events happen allows to make complex product simple to understand for customers.
How can we develop a solution or service to prevent or reduce increasing damages from wildfires?
Each year, wildfires cause billions in losses What’s more, higher temperatures and prolonged spells of dry weather are also changing the risk situation in other regions.
The majority of fires near populated areas are caused by human activity, while a smaller portion start naturally as a result of lightning, for example. Alongside accidental fires, a significant number are also started deliberately.
How can we develop a new subscription-based business model of insurance build on Digital Ecosystems?
Compared to other financial services firms, which generate fees largely based on transactions, insurers already operate somewhat like a subscription. Subscription models are largely about customer-centricity – that is, offering products and services that reflect the way people really live and businesses actually operate.
The secret sauce for subscriptions in insurance is linking services and engaging customers around key life events or emerging lifestyles and complex financial decisions.
How can we develop a solution or service to attract (young) talent to the insurance industry?
As the insurance industry workforce continues to age and the search for top talent becomes more difficult resulting in an increasing talent gap, insurers need to embrace proactive strategies to attract new employees.
Research has found that only 4% of millennials are interested in working in the insurance industry, with eight out of ten saying that they do not understand the employment opportunities available within the industry as a whole.
Below, we share a quick guide on how all teams need to structure your time according to the stages in the Design Thinking methodology to help you conquer the WinterHack 2022 and blow our judges away!
10:30 AM EST - Kick-off Event
This kickoff event is where we review the rules and reveal the 4 challenges that teams can choose from. Once we announce the challenges, it’s showtime!
11:30 AM EST - Challenge Decision
Teams have 45 minutes to select 1 industry challenge out of the 4 that we announce at the kickoff event.
12:15 PM EST - Breakout Session Phase 1: Empathize
After you receive your challenge, your Design Thinking journey begins with the first stage, Empathize. This is where you will begin to understand your target group, which can be done in 2 ways: internet research and interviews with your persona. You can’t create a customer-centric solution without putting yourself in the shoes of the customer, and a good way to do this is to speak directly with the potential customer and listen.
By the end of this stage, you will have:
3:30 PM EST - Breakout Session Phase 2: Define
The next stage focuses on constructing a point of view based on the user’s needs. Here, you will take time to reflect on what the user has shared with you and to visualize their experience. By doing so, you can define what problem you are trying to solve based on your persona’s main needs and pain points, which will help you shape a better experience for the user.
By the end of this stage, you will have:
6:00 PM EST - Breakout Session Phase 3: Design
After selecting a single HMW statement to focus on, it’s time to ideate! This stage is all about connecting to your inner child and using your imagination to come up with multiple solutions to the problem your team identified. Quantity is important here, so remember to list as many possibilities as you can!
By the end of this stage, you will have:
6:30 PM EST - End of Day 1
Congratulations on making it to the end of Day 1. Go on, get some rest — you deserve it!
10:30 AM EST - Start of Day 2
It’s time to continue working on your Design phase before the next check-in session!
12:30 PM EST - Breakout Session Phase 4: Create
Once your team has voted on a winning idea, you are now ready to build a Minimum Viable Product (MVP). You will begin by creating a low-fidelity prototype, which could take the form of a sketch, Excel spreadsheet, or PowerPoint presentation.
By the end of this stage, you will have:
4:00 PM EST - Breakout Session Phase 5: Present
It’s almost time to submit your final solution via your team’s Slack channel!
At this time, you should begin to practice your pitch and prepare the materials required (such as the PowerPoint template). Remember, you will have to submit a 4-minute video of your pitch to play for our panel of judges!
Here is the PowerPoint submission template; please download and fill it as you go along your Design Thinking journey.
By the end of this stage, you will have uploaded the following to your team's file repository on MS Teams:
6:30 PM EST - End of Day 2
Congratulations on making it to the end of the 2-day ideathon — we hope you had as much fun as we did!!
Tomorrow, you will have the opportunity to present your solution to our panel of esteemed judges and participate in a 4-minute Q&A session. We wish you the best of luck!
11:00 AM EST - Final Pitch Starts
To give you a little inspiration, here are a few winning pitches from our previous ideathons!
Benefits and community within the gig economy — access an exclusive community forum, learning platform, and discounts while managing your credits in a healthcare spending account during and between gigs.
Subscription-Based Insurance Business Model
An app that integrates many tools from around the digital world, combining these easy-to-use services around health, finances, and community as an entryway into the digital world for senior citizens.
Access to Insurance
An easy insurance awareness-raising platform aimed to protect those who are underserved in the developing world by using SMS-based information campaigns spread via everyday bread purchases.
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Openness: Information about our privacy policies and procedures for handling your personal information shall be made available to you.
Individual Access: Upon written request, you will be informed of the existence, use and disclosure of your personal information. In addition, you will be given access to your personal information, as permitted by law. You may also verify the accuracy and completeness of your personal information and, where appropriate, request that it be amended.
Inquiries and Concerns: You may contact us if you have any questions or concerns about our privacy policies and procedures.
1.2. Contact Us
2.1. When You Visit our Websites
You are free to explore the Websites without providing any information about yourself. However, when you visit the Websites, we may request that you provide Personal Information about yourself and we will collect Navigational Information.
2.2. “Personal Information”
This refers to any information that you voluntarily submit to us through the use of our Websites, and that identifies you personally, including contact information, such as your name, e-mail address, company name, address, phone number, and other information about yourself or your business. Personal Information can also include information about any transactions, both free and paid, that you enter into on the Websites, and information about you that is available on the internet, such as from Facebook, LinkedIn, Twitter, Instagram and Google, or publicly available information that we acquire from service providers.
2.3. “Navigational Information”
This refers to information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and pages viewed. Please see section 4 the “Navigation Information” section, below.
2.4. Information About Individuals Under 18
The Websites are not intended for or targeted at individuals under 18, and we do not knowingly or intentionally collect information about individuals under 18. If you believe that we have collected information about an individual under 18, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street , Toronto, Ontario, Canada M5H 1A1, Attention: Privacy, so that we may delete the information.
3.1. We Never Sell Personal Information
We will never sell your Personal Information to any third party.
3.2. Use of Personal Information
3.3. Use of Navigational Information
We use Navigational Information to operate and improve the Websites and underlying marketing software. We may also use Navigational Information alone or in combination with Personal Information to provide you with personalized information about the Software Provider.
3.4. Customer Testimonials and Comments
We post customer testimonials and comments on our Websites, which may contain Personal Information. We obtain each customer’s consent via email prior to posting the customer’s name and testimonial.
3.4. Use of Credit Card Information
We do not directly collect credit card information from you. We use a third-party service provider to manage credit card processing. This service provider is not permitted to store, retain, or use information you provide except for the sole purpose of credit card processing on our behalf.
3.5. Service Providers
We employ other companies and people to provide services to visitors to our Websites, such as the use of underlying marketing software, and may need to share your information with them to provide information, products or services to you. Examples may include removing repetitive information from prospect lists, analyzing data, providing marketing assistance, processing credit card payments, supplementing the information you provide us in order to provide you with better service, and providing customer service. In all cases where we share your information with such agents, we explicitly require the agent to acknowledge and adhere to our privacy and customer data handling policies.
3.6. Security of your Personal Information
We use a variety of security technologies and procedures to help protect your Personal Information from unauthorized access, use or disclosure. We secure the Personal Information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When sensitive Personal Information (such as geo-location data) is collected on our Websites and/or transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
If you have any questions about the security of your Personal Information, you can contact us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.
3.7. Social Media Features
3.8. External Websites
3.9. Retention of Personal Information
We retain Personal Information that you provide us as long as we consider it potentially useful in contacting you about our services and products, or as needed to comply with our legal obligations, resolve disputes and enforce our agreements, and then we securely delete the information. We will delete this information from the servers at an earlier date if you so request, as described in the “Opting Out and Unsubscribing” section below.
If you have elected to receive marketing communications from us, we retain information about your marketing preferences for a reasonable period of time from the date you last expressed interest in our content, products, or services, such as when you last opened an email. We retain information derived from cookies and other tracking technologies for a reasonable period of time from the date such information was created.
3.10. International Transfer of Information
3.11. Corporate Events
If we (or our assets) are acquired by another company, whether by merger, acquisition, bankruptcy or otherwise, that company would receive all information gathered on the Websites. In this event, you will be notified via email and/or a prominent notice on our Website, of any change in ownership, uses of your Personal Information, and choices you may have regarding your Personal Information.
3.12. Compelled Disclosure
We reserve the right to use or disclose your Personal Information if required by law or if we reasonably believe that use or disclosure is necessary to protect our rights; protect your safety or the safety of others; investigate fraud; or comply with a law, court order or legal process.
We use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize pages on our Websites, a cookie helps us to recall your specific information on subsequent visits. When you return to the same Website, the information you previously provided can be retrieved, so you can easily use the customized features.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Websites you visit. Cookhouse Labs keeps track of the Websites and pages you visit within Cookhouse Labs, in order to determine what portion of the Website is the most popular or most used. This data is used to deliver customized content and promotions within the Website to customers whose behavior indicates that they are interested in a particular subject area.
4.2. Log Files
We may collect demographic information, such as your postal or zip code, age, gender, preferences, interests and favorites using log files that are not associated with your name or other Personal Information. There is also information about your computer hardware and software that is automatically collected by us. This information can include: your IP address, browser type, domain names, internet service provider (ISP), the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, clickstream data, access times and referring website addresses. This information is used by Cookhouse Labs for marketing purposes, to maintain the quality of the Websites and to provide general statistics regarding use of the Website. For these purposes, we do link this automatically-collected data to Personal Information, such as name, email address, address and phone number.
4.3. Clear Gifs (Web Beacons/Web Bugs)
We employ a software technology called clear gifs (a.k.a. “web beacons” or “web bugs”), that help us better manage the Website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of visitors to our Websites. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. We tie the information gathered by clear gifs in emails to our customers’ Personal Information. If you would like to opt-out of these emails, please see “Opting Out and Unsubscribing”.
4.5. Third Party Tracking Technologies
5.1. Reviewing, Correcting and Removing Your Personal Information
Upon request Cookhouse Labs will provide you with information about whether we hold any of your Personal Information. You have the following rights with respect to that information:
To request access, correction, updates or deletion of your personal information;
To object to processing of your personal information;
To restrict processing of your personal information;
To request portability of your personal information; and
To opt out of being solicited by Cookhouse Labs,
To exercise any of these rights, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy. We will respond to your request to change, correct or delete your information within a reasonable timeframe, and notify you of the action we have taken.
If we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.
You have the right to complain to a data protection authority about our collection and use of your personal information.
5.2. Anti-Spam Policy
Our Acceptable Use Policy, at: www.cookhouselab.com/casl-acceptable-use, applies to us and, among other things, prohibits us from sending unsolicited commercial email in violation of applicable laws, and requires the inclusion of an “opt-out” mechanism in any commercial electronic messages that we send.
5.3. To Unsubscribe From Our Communications
You may unsubscribe from our marketing communications by clicking on the “unsubscribe” link located on the bottom of our commercial electronic messages, contacting us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.
Learn to understand your target group.
Construct point of view based on user needs.
Collaborate with peers to design an idea and business case.
Build a Minimum Viable Product.
Test & retest the idea with different users.