Vitality and Vitality Plus

Protection that goes further
Speaker forename and surname
Speaker job title OR date

2
Agenda
a. Who is PruProtect?
b. Trends impacting protection
c. Facts, stats and quotes
d. Personal products
e. Business products
f. Vitality and Vitality Plus
g. Growing your business

4
The UK needs and wants to be well
THE OXFORD HEALTH ALLIANCE’S 3 - 4 - 50 MODEL
Drivers of
morbidity and
mortality
The Oxford Health Alliance: 3four50.com (2013)
3
4
50
Vitality
Serious Illness Cover
Income Protection Cover
Life Cover

5
There is a real need for wellness
80% of type II diabetes
cases could be
prevented through
lifestyle changes such as
more exercise and eating
more healthily2
Up to 40% of cancers
could be prevented
through exercising
regularly & eating
sensibly1
Physically inactive
people have almost
double the risk of dying
from coronary heart
disease than active
people3
80% of adults are not reaching government
targets for moderate exercise4
1. Irish Cancer Society (2014) 2. Diabetes UK (2013) 3. World Heart Federation (2013), 4. Kings Fund and BBC (2013)

6
What drives people is not always rational
Standard models for economics
assume that humans are rational,
calculating and unemotional, and
act in a way to maximise their self
interest
Standard wellness assumes that
people will be rational about their
wellness to maximise their long-term
health
“The rational man”

7
The downfall of traditional health and wellbeing
models
This is simply
not the case
Standard models for health and wellness assume
that if people understand what is best for their
health in the long term, they will do it.

8
Example of decision delusions
THE OBESITY PANDEMIC
• 61.9% of adults in the UK are overweight or obese
• Rates have been increasing significantly
• Studies show that people are well informed about the extra
health risks that obesity poses
• Yet people don’t necessarily make healthier choices
Can we increase adherence through incentives?
Source: Reducing obesity and improving diet, Government policy, 2013

Integrating health
and wellness is about
understanding
human behaviour
and addressing an
individual’s needs
and wants

11
What is Vitality?
Our healthy living rewards programme to help your clients to get and stay healthy
Created in conjunction with doctors, scientists and academics
We help your clients track their progress by awarding points for doing healthy things
And to keep your clients motivated, we give them rewards for making positive
changes to help them to get and stay healthy for less
Protection cover with benefits for everyone, not just those that claim

12
Vitality
RECOGNISED LEADER IN INCENTIVISED WELLNESS
The largest incentive-based wellness programme in the world with
7 million members worldwide
Wall Street Journal (21 June 2013), PruProtect data (2013)

13
Vitality’s impact on clients’ health
RELATIVE CLAIMS AND LAPSE RATES BY VITALITY STATUS
Experience shows that clients with higher Vitality statuses have less
Mortality
chance of claiming or lapsing their policies
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
No Vitality
Clients who are highly engaged are
less likely to claim for a death benefit
than those without Vitality.
Discovery South African Experience (2013)
Morbidity Lapses
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
No Vitality No Vitality
less likely to claim for an illness than
those without Vitality.
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
less likely to lapse their policies than
those without Vitality.
0%
Low Medium high
0%
Low Medium High
0%
Low Medium High
Engagement Engagement Engagement

14
PruProtect’s growth underpinned by Vitality
180
160
140
120
100
80
60
40
20
0
2010 2011 2012 2013
50
45
40
35
30
25
20
15
10
5
The fastest growing protection insurer in the UK (% growth)
Thousands
PruProtect data (2013)
0
2010 2011 2012 2013
Milions
Policies in
force
APE in £millions

15
Member engagement with selected Vitality partners
UK PARTICIPATION LEVELS 2013
25 million
Vitality points awarded
52,000
online health checks
780,000
gym visits
Did you know?
People that take out cinema codes are more likely to
engage with other Vitality partners
Up to
1,500
cinema codes
generated each day
PruProtect data (2013)

16
Vitality is an appealing and agreeable concept
Protection and life insurers should help their customers lead
healthier lifestyles
I'd like to better understandmy health
PruProtect and Immerse study (2013)
46 48 50 52 54 56 58 60
I'd welcome encouragement or incentives to be healthier

17
Vitality is an appealing and agreeable concept
81% appeal
“You get cash-back as an extra incentive
to be healthy each year”
83% appeal
“You get something back even if you don’t
claim – such as cash-back, premium
reductions, savings and discounts”
PruProtect and Immerse study (2013)

19
The issues
Innovative
protection
solutions built
around the
customer
How can we drive
behavioural change?
Global recession
The industry is changing
The online revolution
How can the industry
grow as a whole?
How can you keep
pace?
The need for
health and
wellness
Austerity
The industry
is changing
The online
revolution

20
Our solution
• Discounts
on things like holidays,
and gym membership
• New Vitality partners
• Unique protection benefits
• The chance to receive
upfront discounts on
premiums, annual
premium reductions and
cashback
• New quote tool
• Vitality Calculator
• Marketing support
The need for
health and
wellness
Austerity
The industry
is changing
The online
revolution
Enhanced Vitality
programme
Improved premium
efficiency
Solutions based
protection
Interactive online
tools

21
Vitality works in three easy steps

22

23
You can’t change what you don’t know
stroke, heart attack, heart failure, chronic
kidney disease, and cognitive decline
heart disease, stroke, blindness, kidney
disease and amputations
HYPERTENSION
DIABETES II
CORONARY
HEART DISEASE
FOR EVERY 100
PEOPLE DIAGNOSED
31
32
40
REMAIN UNDIAGNOSED
narrowing of arteries, angina and heart
attack
British Heart Foundation and Diabetes UK (2013)

24
Understanding your health
A HOLISTIC APPROACH
Disease detection and management
Mental health
Nutrition
Preventative care
Physical activity

25
Understanding your health
To help you understand your health, we have a series of tools and products that
members can access through the Member Zone, our online Vitality portal
•Health Review
•View the Vitality statement
•Set healthy goals
•Mental wellbeing assessments
•Healthy meal plans
•Useful articles
•Find out about our Vitality partners
•Submit screening points
•Update and maintain personal details
THE MEMBERZONE

26
The Health Review
The Health Review is a quick and easy review, designed to be the first step of
the Vitality programme. By monitoring members’ general health and fitness
levels, it shows what they can do to improve their health and earn Vitality points
and opens up other benefits. It is recommended that the review is completed
every six months.
• Personalised information
• 100 Vitality points per adult per year
• Split into ten sections:
– Your medical history
– Your family’s medical history
– Key measurements
– Smoking
– Alcohol
– Nutrition
– Exercise
– Sleep
– Stress
– Productivity

27
The Health Review
VITALITY AGE
The results of the Health Review will produce a Vitality Age to help further understand your
health and how to improve it
Life
Actual Age +
Average Life
Expectancy
Expectancy
according to
lifestyle 50
80 75
55

28
Have access to healthy activities

29
Earning Vitality points
• By taking part in healthy activities such as health screens and using an exercise device,
members can earn points
• Everyone starts at Bronze status and can build points to move
up to Silver, then Gold, and finally Platinum
• The higher your status, the more that you get back from Vitality
Example
A policy with two adults and
one child would need 1,600 points to
reach Silver, 3,200 to reach Gold and
4,800 to reach Platinum

30
Health assessments
UNDERSTAND YOUR HEALTH AND HOW TO IMPROVE IT
• We help you understand your health and how to improve
• The more comprehensive screenings can be useful in the early
identification of health issues that could lead to serious illness or
chronic conditions in the future.
With our health partners you can book a health screen
and pay from £15 for a basic health check
Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.
Vitality partners' own terms and conditions apply.
Discounts
With Vitality
Vitality Healthcheck Introductory rate of £15
50% off
Eligibility criteria apply

31
Fitness assessments
• Fitness assessments can be booked with our Vitality
partner gyms and are a great way to kick start a fitness
programme
• Virgin Active offer fitness assessments free of charge and
you don’t have to be registered as a gym member to have
one
Free!
With Vitality

32
Fitness assessments and health screens
• Members earn 60 points for each clinical measurement
taken during a fitness assessment or health screen.
• Plus 60 more points if they are in the healthy ‘green zone’
• Points can only be earned once per policy year
• Fitness assessments include three clinical measures
With our health partners you can book a health screen
and pay from £15 for a basic health check

33

34
Stop smoking
• Combination of psychotherapy and hypnotherapy
• Aims to help members to quit for good using tried and
tested techniques
• Earn 300 Vitality points by taking the Vitality Healthcheck,
signing the non-smokers declaration and for being tobacco
and nicotine free for 12 months as well as non-smokers
cashback
• Each adult can attend one free Allen Carr programme
during the life of the plan
• Retail Price £250
Free

35
Lose weight No
• Once the £30 subscription payment is paid, members initially get
six months unlimited membership giving them access to
meetings, online tools and the Weight Watchers app.
• Attend two Weight Watcher meetings per month in the first six
months and we’ll extend membership for a further six months
• 15 Vitality points each week for attending a Weight Watchers
meeting
• Achieve target weight and we’ll refund the subscription payment!
monthly
fees
for up to a
year
Important information
•To be eligible, members need to be 18 years or older
•Acceptance of membership will be subject to Weight Watchers own criteria in
addition to our own (e.g. not pregnant, not underweight)
•If a member ends their PruProtect plan, their Weight Watchers membership will also
end on the same date

36
Exercise
• parkrun organises free weekly 5km timed runs run by local
volunteers worldwide
• Just by registering with their Vitality number, members can
earn points for taking part
Running 10
Volunteering 5
Free
Members can a earn a maximum of 40 points/ week for gym visits,
Polar, Fitbug, micoach and parkrun activities combined

37
Exercise From
National Trust owns:
• 709 miles of coastline
• 255,000 hectares of countryside
• >300 historic houses, gardens and parks
9p
per day
with Vitality
Exclusive annual pass
£33.67 unlimited visits
Kids free

38
Exercise 50% off
• Discount available on one pair of shoes per member per
policy year
• Available online or in-store
• Includes full price and sale items
• Further terms and conditions apply
With
Vitality
50% off sports shoes

39
Exercise
• 50% off full monthly fee for flexible individual gym
membership
• A joining fee is chargeable by individual gyms
Vitality
points
10 per gym
visit
50% off
With
Vitality Plus
Members can a earn a maximum of 40 points/ week for gym visits,
Polar, Fitbug, micoach and parkrun activities combined
50% off flexible individual monthly gym membership fees with Virgin Active

40
Exercise devices
NOT EVERYONE WANTS TO GO TO THE GYM
44% of people have never used a gym and have no intention of doing so in the future
PruProtect/ PruHealth data (2014)

41
Exercise devices and apps
Points can be earned using Nike+, Garmin and the majority of Fitbit devices as well as the
Vitality Active app
Discounts
With Vitality
• Gives a precise
measurement of how
intensely the user is
exercising and helps
see if they are on the
right track and
exercising effectively
•Tracks daily steps
•Steps are monitored
by uploading results at
least every
two weeks
•From £30 + P&P
• Provides personal
coaching
• Phone app to track
movement by GPS
• Receives input from
heart rate monitors
• Receives input from
stride sensors

42
Exercise Up to
• Members can enjoy up to 50% cashback on a bike
• A maximum of one bike per three policy years
• Cashback is dependent on Vitality status
50%
cashback
With
Vitality Plus
Bronze Silver Gold Platinum
Cashback for
members £50% off first £500 £50% off first £600 £50% off first £800 £50% off first £1000
Maximum Saving £250 £300 £400 £500

43
Rest and relax
• Members can enjoy discounted day visits as well as overnight
stays for 1, 2 and 3 night Classic Breaks and Spa Days
• Includes room, all meals and use of the facilities
• Members can take a maximum of three guests at a discounted
rate of 25% off
• Available to all Vitality members
• Plus members get 25% off products from the Champneys
Collection
75% off
A maximum of three bookings per year per member

44
Charity
Laureus is a unique collection of some of the greatest sporting
heroes who share a belief in the power of sport to break
down barriers, bring people together and improve the lives
of young people.
Subscribers can choose from four world-class sporting icons
who’ll offer motivation and inspiration through emails, and
videos clips.

45
Vitality health partners
We have many partners to help your clients to get fitter
Vitality Plus health partners

46
Vitality incentivises your clients by giving them rewards with our Vitality partners. It also gives
them the opportunity to control their premiums by looking after their health
Vitality Optimiser
Your clients can choose to enhance their plan with
Vitality Optimiser. This gives them an upfront
discount on our standard protection premium in their
first year, as well as the opportunity to keep their
protection premiums low in future years by taking part
in Vitality. It also gives your clients Vitality Plus for
just £3 per month.
Get rewarded
All our plans come with Vitality,
giving members access to our
health partners
FREE £3
* A minimum monthly premium of £20 applies to take out Vitality Plus for a single policy, or £30 for joint policies

47
Vitality incentivises your clients by giving them rewards with our Vitality partners. It also gives
them the opportunity to control their premiums by looking after their health
You get everything that’s included
with Vitality and additional rewards:
• The opportunity to earn cashback
every year
You get everything that’s included with Vitality, Vitality+ and
more...
• Lower protection premiums in the first year
• The opportunity to keep protection premiums low in future years
Vitality Optimiser
Get rewarded

48

49
Vitality Optimiser
LOWER PREMIUMS IN THE FIRST YEAR, AND KEEP THEM LOW BY TAKING
PART IN VITALITY
Pay lower premiums in the first year
Upfront discount for fixed term cover Upfront discount for Whole of Life Cover
Term of cover (years) Percentage
discount
5 5%
10 7.5%
15 10%
20 12.5%
25 15%
30 17.5%
35 20%
40 20%
Status
Premium change each year
Age next birthday when
taking out policy Upfront discount
45 or younger 40%
50 35%
55 30%
60 25%
65 20%
70 15%
The discount only applies to your client’s protection premium, not the
monthly fee they pay for rewards and cashback.
Opportunity to keep protection premiums low in future years
Your clients’ Vitality status affects their future premiums
2% 1% 0% -1%

Vitality Optimiser
Opportunity to earn cashback every year by looking after their health
• By taking simple steps to be healthy, your clients could earn cashback every year. The more
50
they do to look after their health, the more cashback they could earn
One person covered No cashback £50 £75 £100
Two people covered No cashback £100 £150 £200
Any cashback we give your client may be subject to tax. This might affect their personal tax position. They may want to get financial
advice about this, or contact HM Revenue & Customs hmrc.gov.uk.
Extra rewards
Your clients have access to a great range of partner discounts and rewards to keep them
motivated for just £3 per month.

51
Vitality Optimiser
EXAMPLE
Years
Discounted protection premiums in the first year,
and the chance to reduce premiums in future years
Assumptions
• 25 year term
• 15% upfront discount
• Status remains the same throughout
• Does not take into account the monthly fee for rewards and cashback

Clients who haven’t chosen Vitality Optimiser can still get a chance to reduce their premiums
every year with our PruProtect plan. The more they take part in Vitality, the bigger the premium
discounts become.
At the end of every year we look at your clients’ Vitality status. If they’ve reached Silver, Gold or
Platinum status, we give them a discount on their premium which they keep until the end of
their plan.
Status
Premium discount 0% 1% 1.5% 3%
Your client can get another premium discount the next year, and every year until their plan ends.
52
Premium Discounts
By the end of the plan, someone with Platinum status every year could be paying half what
they were paying at the start
*Premium discounts do not apply for Health Cover, Vitality Plus or Business Protection

53
Premium Discounts
EXAMPLES
Years Years
Once they’ve earned a premium discount, they’ll keep it to the end of their plan

55
Vitality partner rewards
WELL REWARDED
• By upgrading to Vitality Plus, your clients can get access to even more great discounts and
cashback, helping them to get even more out of life.*
• They can get cinema tickets, discounts on holidays, and more – they’ll be spoilt for choice.

56
Stay healthy
LLOYDSPHARMACY 10 - 50%
• Get up to 50% cash back based on your Vitality status and
whether a Vitality Healthcheck is taken.
• A maximum of 10% without the Healthcheck, and for clients
without Vitality Plus or Vitality Optimiser.
• A maximum £50 discountable spend per policy per calendar
month
• Excludes nappies, infant formula milk, prescription charges (NHS
or private), codeine based products and mobile phone top-ups
cash back
Healthcheck
taken 10% 20% 40% 50%
Healthcheck
not taken 10% 10% 10% 10%

57
Go on holiday
MARK WARNER
• Offering a mix of ski and beach resort holidays
• Members can start taking advantage of discounts as soon
as the principal member has completed their Health Review
• A maximum of two trips can be booked per year with Mark
Warner and Mr & Mrs Smith
Up to
25% off
first £500
With Vitality
Plus
25% discount
applies to the first £200 £300 £400 £500
Maximum discount £50 £75 £100 £125
If there are two or more adults on the plan the maximum cash back will be doubled

58
Go on holiday
MR & MRS SMITH
• Up to 25% cashback off the lowest price for boutique and
luxury hotels
• Price match guarantee. Get an extra £50 for your next
break if you find your hotel stay cheaper elsewhere
• Free exclusive extras such as champagne, spa treatments
and picnic lunches
• One booking per plan month
• A maximum of two trips can be booked per year with Mr &
Mrs Smith and Mark Warner
Up to
25%
cashback
With Vitality
Plus
Cash back applies
to the first £200 £300 £400 £500
Maximum cash
back £50 £75 £100 £125
If there are two or more adults on the plan the maximum cash back will be doubled

59
Go on holiday
EUROSTAR
• Once the Health Review is complete, members can enjoy
up to 50% off tickets to Paris, Lille or any station in Belgium
and direct services to Disney, Avignon, Bourg St Maurice
and Moutier
• Applies to Standard class and Standard Premier returns
• Up to three return trips per policy year
• And from July 2014, members could even get some extra
time on the slopes on a direct service to the French or
Swiss Alps.
Member for Bronze Silver Gold Platinum
Less than 3 years 25% 30% 35% 40%
More than 3 years 25% 35% 40% 50%
25% to
50% off
With Vitality
Plus

60
Entertainment
TICKETMASTER
• One third cashback on ticket purchases
• Tickets for:
– Music
– Arts
– Attractions
– Theatre
– Family events
– Sports
– And more
• Number of events per year increases with Vitality status
• An activation fee of £10 for a single policy, and £15 for a joint
policy
A third
cashback
With Vitality
Plus

61
Entertainment
MERLIN
• 30% off a Standard Annual Pass with Merlin
• Nationwide attractions
30% off
With Vitality
Plus

62
Entertainment:
CINEWORLD AND VUE
• One cinema ticket per member per week for either
Cineworld or Vue
Cinema
tickets
With Vitality
Plus

63
Stay in touch
BUYMOBILES.NET
• Cash rebate on any
24-month phone plan
• Rebate is dependent on Vitality status:
• One phone plan per member is permitted
• The cashback is capped to the tariff value
Up to £15
monthly
cashback
With Vitality
Plus
Monthly Rebate
£5 £7.50 £12.50 £15

Clients could get
back more than they
pay in premiums

66
Moving from Bronze to Gold status in nine months
Example
David starts on Bronze Vitality status.
By making the effort to be healthy across all areas of Vitality, David
can improve his status and receive greater renewal rewards and
greater discounts with Vitality reward partners.
Activity Points
Complete Health Review 100
Completes a non-smokers
declaration and passes the non-smokers
test
300
Mental wellbeing assessments on
Member Zone 50
Average of 2-3 workouts per week 830
Health and Fitness assessment
(scored in the healthy range) 360
Total points 1640
This is a example case study for illustrative purposes only. It has been inspired by our members

67
Real life case study:
FRANK’S STORY
Thankfully for Frank, his engagement in Vitality led to the early
detection of his cancer – and possibly saved his life
•Frank attended a discounted health screen and discovered he
had Prostate Cancer
•If Frank had not attended a health screen – how long would it
have taken to detect his cancer?
•Frank received a payout of 50% of his SIC amount
•His family continue to have full cover
Frank’s claim experience
See our Claims case
study for more
details
This is a example case study for illustrative purposes only. It has been inspired by our members
Age: 56 years old
Smoker: No
Policy details: Life Cover and
Comprehensive Serious Illness Cover (SIC)
MPA:100%
Time policy in force: Five months
Type of claim: SIC
Cause of claim: Prostate cancer
Watch Frank tell his story here:
youtube.com/watch?v=_hfHlFIu-T0

Why should you be a spokesperson for Vitality?
GIVING YOU MORE OPPORTUNITIES
• Offer your clients a differentiated product with benefits they can use everyday, not just when
69
they need to make a claim
• Retain your existing clients. 83% of respondents in a study we conducted said that they’re
interested in a protection plan that rewards them even if they don’t claim, and engaged
members are less likely to lapse their policy
• Revisit your existing clients with the opportunity to upgrade to Vitality Plus, giving them
more rewards, and you, increased revenue
Source: Immerse, 2013

71
Our plans come with Vitality
WHAT’S INCLUDED
Everyone has access to these benefits
UNDERSTAND YOUR HEALTH
£15 introductory rate Vitality Health check at a pharmacy in our network
50% off health screens with BMI Healthcare and Nuffield Health1
Free fitness assessments with Virgin Active
GET ACTIVE
50% off a pair of sports shoes with Sweatshop
50% off a heart rate monitor, sensor or cycling computer with Polar
A choice of three Fitbugs from £30 plus p&p
Vitality points with parkrun, adidas miCoach, Nike+, Garmin, our Vitality Active app and the
majority of Fitbit devices
WELLBEING AND RELAXATION
75% off Champneys spa breaks and 25% off day spa treatments
An exclusive 12 month National Trust pass for £33.67
Free self-help guides and tools from Living Life to the Full
No subscription payment for up to a year with Weight Watchers2
STOP SMOKING Free Allen Carr’s Easyway to Stop Smoking programme
MORE
10% cashback with LloydsPharmacy
Inspirational videos and messages with our charity partner Laureus
The opportunity to reduce premiums and earn cashback3
1 Eligibility criteria applies | 2 There is a £30 subscription payment which we may refund if goal weight is reached| 3 Premiums are not reduced for Health Cover, Vitality
Plus, Vitality Optimiser and Business Protection Plan | Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk. | Vitality
partners' own terms and conditions apply.

72
Get more with Vitality Plus and Vitality Optimiser
EVEN MORE REWARDS
Clients that choose to upgrade get the following Vitality Plus benefits as well
GET ACTIVE 50% off monthly gym membership fees with Virgin Active
Up to 50% cashback on a bike with Evans Cycles
ENTERTAINMENT
A free cinema ticket each week with Cineworld or Vue
A third off events with Ticketmaster
30% off a standard annual pass to some of the UK’s top attractions with Merlin
STAY IN TOUCH Up to £15 monthly cashback on mobile phone contracts with buymobiles.net
HOLIDAYS
Up to 25% cashback on a holiday with Mr & Mrs Smith
Up to 25% off a holiday with Mark Warner
Up to 50% off tickets to Paris, Lille, Brussels and more with Eurostar
MORE
Up to 50% cashback with LloydsPharmacy
The opportunity to earn cashback
The opportunity to control premiums by looking after your health with Vitality Optimiser
* A minimum monthly premium of £20 applies to take out Vitality Plus for a single policy, or £30 for joint policies | Prices and discounts shown are correct as of June
2014. For the latest details, visit pruprotect.co.uk. | Vitality partners' own terms and conditions apply.

73
Vitality partners at a glance
Vitality Plus partners
Vitality partners

74
Summary of benefits
Type of plan
BENEFITS
Health partner
discounts
The opportunity to
control your
premiums by looking
after your health
The opportunity to
earn cashback
A range of additional
rewards
Upfront discounts on
premiums
Vitality Optimiser
with any plan
Add Vitality Plus to
the PruProtect Plan
Add Vitality Plus to the
Essentials Plan
PruProtect Plan
Essentials Plan

75
Marketing tools and support
We have a series of literature and tools to get you on your way with selling Vitality. To find out
more visit pruprotect.co.uk/literature
Vitality calculators
See how much you could save with
Vitality, as well as the points you could
earn by taking part in healthy activities
Interactive client’s guide to Vitality
An introduction to the principles of
Vitality. Click here to try it.
Literature and press adverts
Stay up-to-date with everything that Vitality
has to offer
Support
Our UK based telephone service is
available to answer your client’s Vitality
queries 0845 601 0072

Vitality and Vitality Plus

Recomendados

Recomendados

Más contenido relacionado

La actualidad más candente

La actualidad más candente (20)

Similar a Vitality and Vitality Plus

Similar a Vitality and Vitality Plus (20)

Último

Último (20)

Vitality and Vitality Plus

Notas del editor