Fred Turner
Co-founder & CEO, Curative. On 1 show, 1 appearance. The Shows tab opens the full record on each.
founderexecutiveLinkedIn ↗curative.com ↗Wikipedia ↗
Fred Turner is a British entrepreneur who co-founded Curative in 2020, scaling it into a major COVID-19 testing provider before pivoting the company into health insurance. He previously founded a venture-backed diagnostics startup and was named to Forbes' 30 Under 30 healthcare list.
1shows
1appearances
54statements
10resolved
4supported
0contradicted
40%fully supported
3said about them ↓ Everything Fred Turner said on any show that made the record, most notable first. Each card names its show and opens the statement there.
Curative Canceled $600K Salesforce Contract For An Internally Vibe-Coded CRM
“We just recently canceled our Salesforce contract because we have an internal CRM that was vibe coded, that is working better, that is managing our process better, is more integrated into what we're doing. We run our agents inside of it, and no one was using S…”
Curative Is Cutting 80% Of Its Enterprise SaaS Spend This Year
“We're cutting about 80% of our SaaS spend this year.”
Corporate Anthropic Spend Will Reach 2x To 5x Engineer Salaries
“Between maybe two and five X would be the two and five X salary.”
Curative Headcount Will Shrink In Short Term Due To AI
“We're about 650 people now. In five years we'll probably be bigger. In the short term I think we're going to be quite a bit smaller.”
Strategic Investor Pulling Series B Term Sheet Caused Shield's Collapse
“Ended up getting a term sheet from a strategic, large public diagnostic company. Signed the term sheet, did three weeks of work on docs. We were in the second round of docs, and then their CEO killed it because it was too competitive with their core products. …”
Fred Turner Sold CLIA License For $150K, Re-Bought Same For $27M
“And then in December of 2019, as part of the wind down, I sold that license to a company in San Diego for 150,000 dollars to pay some of the creditors. And then five months later, acquired a company in Southern California to get the same license for twenty sev…”
Curative Invested $500M Of COVID Testing Profits Into Health Insurance
“So after all was said and done, the money that we basically put forward into the insurance business, the health insurance company, was about five hundred million that we invested into the health insurance business.”
Curative Administered 2.5M COVID Vaccines At A Loss
“We did two and a half million vaccinations. That was another service we did. We also lost a ton of money on that. That was a terrible business.”
Hospital-Affiliated Primary Care Doctors Get Double Independent Doctor Reimbursement
“If we look at how much we pay a primary care doctor who's independent compared to a primary care doctor affiliated with a system, they get paid an average double.”
U.S. Is Unequivocally The Best Place To Receive Medical Treatment
“Yes, definitely. Yeah. The U.S. Has the access to, by far, the most cutting edge techniques and facilities and drugs. Than the rest of the world. And they are willing to spend a lot more in order to preserve life.”
Curative Built An In-House Claims Platform And Will Abandon Legacy Software
“We've built our own claim system Completely from scratch, in-house. It's now, we've migrated most of the workflows off. We'll be fully off in July.”
Big Insurers Will Take 10 Years To Adopt AI Due To Inertia
“I think some of the biggest insurers will struggle. They will not be able to keep up from a margin standpoint with where we can get to with agents. I think some of them do have Technical expertise. It's more operational and kind of people ops. If you've built …”
Curative's Anthropic API Spend Grew 6x Monthly Into Millions
“Our anthropic cost over the last six or seven months has six X'd every month from, you know, a base of, you know, a couple of tens of thousands of dollars now up to millions of dollars a month.”
Fred Turner: Curative Engineers No Longer Write Or Read Raw Code
“They're not writing any code anymore. They're not even reading the code anymore.”
Curative's AI Agent Signs Hundreds Of Contracts Daily Without Human Review
“We had a contract, a standard template contract that was drafted by a law firm, and then we have kind of like guard rails for what Gwen can agree to, but she just red lines it and then signs it. It doesn't go to a law firm for a review. Like, we're signing hun…”
AI Agent Gwen Cuts Curative's Contract Costs From $2,000 To $70
“So it costs, with people, it costs us about 1500 to 2000 dollars on average to do a contract. The average with Gwen has been about 70 dollars.”
Enterprise Data Cleanliness Is Not A Major Barrier To AI Adoption
“I think if you approach it in the right way, then the cleanliness doesn't really matter that much because the models are so good at cleaning up the data if you give them the right context.”
AI Labs Will Not Compete In Regulated Complex Industries
“I think things that have some, like, regulation around them, and are, like, complex industries, yes, they're gonna see the advantages of the models, but they're not gonna see competition from Anthropik or OpenAI.”
Curative Returned 10x Capital To Early Investors Via Post-COVID Dividend
“No, we haven't sold any secondaries. We did there was a dividend at the end of COVID. We paid out some all the investors got 10 X their money back before we started the health insurance company, and then they still have their shares today.”
Nuclear Energy's Main Challenge Is Regulatory, Not Engineering
“That it is very safe. And that it's not a science or engineering problem. Like that was when we started looking at companies to invest in, that was for me, that the thing that I was sort of disappointed by is everybody was approaching it as if nuclear is this …”
AI Enables 20 Mechanical Engineers To Do Work Of 100
“And so we're seeing that you can do the design with far fewer people using AI to optimize a lot of the design parameters, where historically you might have needed a hundred mechanical engineers to design every single nut and bolt and part You can do it with 20…”
Current AI Models Can Perform Every Back-Office Task At Curative
“I think today, the current gen models can do every back office task we have at Curative.”
The other half of the tape: Fred Turner's own voice is left out of every number here. Other people bring the name up 3 times in 3 episodes across the shows. every mention, with the transcript →
Who brings them up most Luke Harries 2Harry Stebbings 1
Every mention by year
tap a year for its mentions
20VC 3
2026 2 mentions in 2 episodes 1 per episode
- Flexport CEO: Two Questions Every Founder Needs to Ask · 20VC with Harry Stebbings
- 20Growth: The $6.6B Growth Engine Behind ElevenLabs | Why ElevenLabs Do Not Have PMs | The 7 Part Launch Playbook to Crush All Launches with Luke Harries, Head of Growth @ ElevenLabs
- every mention in 2026, scene by scene →
One line per show, most statements first. The link opens Fred's full record on that show: the calibration, argument clarity, speaking style and every statement made there.
| Show | Role there | Eps | Statements | Record | |
|---|---|---|---|---|---|
| 20VCLEDGER | Co-founder & CEO, Curative | 1 | 54 | 40% 4/10 | full record on 20VC → |