What if insurance stopped waiting for claims — and started actively improving how long, how well, and how confidently people live? In this episode of the Scouting for Growth Podcast, Sabine VanderLinden sits down with Federico Spagnoli, then President and Head of Emerging Markets Ecosystems for Prudential Financial LATAM and now Vice President of International Total Wellness Solutions, to explore how insurance is shifting from protection to prevention — and from products to lifetime platforms. Federico is widely recognised for leading the launch of Prudential Vitality in South America, a breakthrough ecosystem that today serves over 1.5 million people. Through a single mobile app, customers can access health services, preventative tools, and rewards designed to influence behaviour — not just pay claims. His journey into insurance was intentional. After joining Prudential six years ago, Federico completed an executive programme with Oxford University’s Saïd Business School, focusing on disruption and innovation. His core question was simple but uncomfortable: why has insurance changed so little, despite massive shifts in customer behaviour, data, and technology? What he uncovered was a systemic opportunity. Life and health insurers, he argues, have historically focused on mortality — even though people are living longer. The real challenge today is how we age, how we manage chronic conditions, and whether we can afford healthcare and retirement in a world shaped by longevity, climate change, and economic volatility. Prevention, not indemnification, is where real value now sits. At the heart of this conversation is Federico’s belief in integrated wellness — physical, mental, and financial. These dimensions are inseparable. Financial stress fuels anxiety. Anxiety impacts physical health. Poor health undermines long-term financial security. Addressing them in silos no longer works. Technology changes the equation. Through SuperApp platforms, insurers can now engage customers continuously. Using behavioural economics and gamification, they can nudge healthier choices — annual check-ups, movement, nutrition, and financial literacy — while rewarding engagement through points, marketplaces, and dynamic content. The results speak volumes: customers using the Prudential platform deliver Net Promoter Scores twice as high, with higher renewal rates, longer life expectancy, and lower claims ratios. The episode also tackles distribution transformation. Rather than bypassing brokers, Federico explains how platforms can augment the broker channel, strengthening relationships while unlocking new monetisation models across ecosystems. This episode is essential listening for: Insurance leaders rethinking protection in an aging world Health and wellness innovators building preventative platforms Executives exploring ecosystem and SuperApp strategies Brokers and distributors adapting to digital engagement models As Federico makes clear, the future of insurance isn’t about selling more policies. It’s about helping people live longer, healthier, and more financially secure lives — and building business models that grow by doing exactly that.