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| Options | Driving factor | Implementation | Timeframe | Complexity |
|---|---|---|---|---|
| 1 | Time-to-market & cost of ownership | Base product + branding + social media hooks | 2-4 weeks | Relatively low |
| 2 | Unique user experience | Custom UX design + digital UI framework + Guidewire digital services | 2-4 months | Relatively medium |
| 3 | Insurer committed 3rd party portal | Embedded into the existing portal | 4-6 months | Relatively high |
| 4 | Different UI technology | Custom UI + Digital background services | 9-12 months | Very high |
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