Life & Disability Insurance
Protect What You've Already Earned.
Coverage built for the moments where one injury could cost more than the game itself — before, during, or after a contract.
Protect Yourself
One Injury Shouldn't Undo Years of Work
Maintaining your health as an athlete is essential, and protecting your financial future is equally important. An injury doesn't just end a game — it can cost an athlete millions, whether it happens before a contract is even signed, mid-contract when a player can be waived at any time, or right before a new deal that depends on proven health. We build coverage around each of those specific moments: draft protection before you go pro, contract guarantee coverage that protects the full value of an existing deal, and future-value protection for the deal that hasn't happened yet.
Many of our life insurance policies also include living benefits — riders that let you access a portion of your death benefit while you're still living, if you're diagnosed with a chronic, critical, or terminal illness. Choosing the right coverage is vital to the financial protection of you and your family, both on and off the field.
"You insure your car. You insure your home. Your ability to play is worth more than both — insure that first."
Most professional sports contracts are only partially guaranteed.
A single injury can end an athlete's earnings long before the full value of the contract is ever paid out — which is exactly the gap disability and contract-guarantee coverage is built to close.
Coverage That Moves With Your Career
Insurance isn't a one-time purchase — the right coverage looks different at every stage, from the draft, to a rookie deal, to a veteran contract, to life after the game. We review and adjust your coverage as your career and contracts change.
What You Get:
- Draft protection (College to Pro) — covering the risk of an injury before you're even drafted
- Contract guarantee coverage — protecting the full value of your contract, not just the guaranteed portion
- Future-value protection — covering your next deal if an injury happens during this one
- Disability protection — for both temporary and permanent scenarios
- Life insurance with living benefits — access to a portion of your benefit while you're still living, if diagnosed with a qualifying illness
