Life & health insurance is facing an uncomfortable truth: asking customers to pay for 20 years for something they hope they’ll never use is no longer a winning proposition. In this episode of Scouting for Growth, Sabine VanderLinden sits down with Simon Guest, formerly CCO at The CareVoice and now Global Head of Business Development – Life Protection at Zurich Insurance, to unpack how growth ecosystems, behavioural science, and digital health platforms are redefining the future of life and health insurance. Simon brings more than two decades of global experience across life and health insurance, including senior leadership roles at Generali, AXA, and Zurich. His perspective is refreshingly candid: many of the industry’s core problems haven’t changed—but the context has. Technology has advanced. Consumer expectations have shifted. Health and wellness are now central to daily life, not peripheral benefits. And that changes everything. At The CareVoice, Simon helped pioneer a platform-driven, ecosystem-first model—one that moves beyond “build vs. buy” and instead focuses on orchestration. The goal? Create a multifaceted health engagement ecosystem where: Best-in-class services are curated, not forced Partners benefit from network effects Every new user increases the value of the system for everyone else And insurers shift from passive risk carriers to active health partners This is not about adding wellness features for marketing optics. It’s about fundamentally reshaping the insurer–customer relationship—from transactional to preventative, from episodic to continuous. Simon explains why behavioural science sits at the heart of this transformation. In healthcare, nudging the right behaviour at the right moment can drive better outcomes, lower claims, and stronger engagement—but only if the experience is seamless, trusted, and mistake-free. And that’s the rub. Health is unforgiving. You don’t get second chances. That’s why Simon stresses the importance of open ecosystems: insurers cannot—and should not—try to do everything themselves. The winners will be those who can assemble, evolve, and govern ecosystems that consistently deliver the best possible experience to the end customer. One of the most powerful insights in this conversation is a simple but radical shift: Life & health insurers must move from selling protection behind the scenes to delivering end-to-end prevention, care, and support—before risk ever materialises. Insurance then becomes the safety net, not the headline act. This episode is essential listening if you are: A life or health insurance executive rethinking product relevance An innovation or digital leader building ecosystem strategies A founder operating at the intersection of health, data, and behaviour A corporate venturist seeking sustainable, defensible differentiation Because the future of life & health insurance won’t be won by adding more features. It will be won by those who can orchestrate trust, behaviour, and ecosystems at scale—and finally make insurance feel valuable every single day, not just on the worst one.