Fictional Insurance

Insurance in Colombia is widely ignored—perceived as boring, distant, and irrelevant. Traditional communication failed. So, we stopped trying to rationalize it and started looking for emotional entry points. Through cultural mapping and behavioral analysis, we found one: Colombians are deeply invested in soap operas. They cry, debate, and obsess over fictional characters—but rarely insure their own lives. This contradiction revealed a powerful truth: people are willing to feel for others, even if they’re not real, but not for themselves. That emotional gap became our strategic breakthrough. Seguros del Estado, one of the largest insurance companies in Colombia in partnership with the main national broadcaster RCN, broke that indifference with an unprecedented creative strategy. For the first time, viewers could insure fictional soap opera characters with Life, Illness, or Accident Insurance. If their insured character experienced a covered misfortune, some viewers claimed real payouts—reframing insurance through emotional storytelling. The campaign sparked viral conversation on social media, with users and influencers sharing, debating, and engaging around insurance. A powerful co-creation that didn’t just drive engagement — it converted attention into leads and leads into policies. It made insurance culturally relevant and commercially successful.