Coverage Beyond Traditional Limits
Supplemental Life + Income Insurance Beyond Group Coverage for Individuals and Business Owners in High-Risk Industries
Darwin founded WAIN Insurance to make reliable coverage accessible for professionals in high-risk industries.
Drawing from his background as a professional diver and his firsthand experience navigating limited insurance options, he built WAIN to challenge traditional barriers and deliver meaningful protection where it’s needed most. His mission is rooted in lived experience, advocacy, and a commitment to serving those often overlooked by standard carriers.
OUR STORY
WHY WAIN
Obtaining Coverage
WAIN is more than a brokerage — it’s a partner in protection. We:
Work with both standard and surplus markets to secure coverage others can’t.
Focus exclusively on supplemental term life and high-limit income insurance.
Lead with education, ensuring every client understands their options fully during the whole process.
Filing a Claim
Fight an Appeal
Re-instate Coverage
WHO WE SERVE
A REAL CHALLENGE
75-100M+
American workers are underinsured due to traditional group insurance.
40%
Applications for supplemental coverage are rejected due to occupational risk.
$1.0-1.3T
Financial impact on American families.
Questions?
Contact us.
coverage@waininsurance.com
(844) 212-9246 (WAIN)