Specialty Coverage
Supplemental Life and Income Protection you own. Portable, permanent, and designed with precision.
Licensed Broker, serving NY & NJ residents.
Darwin founded WAIN Insurance to make complex protection simple, clear, and accessible.
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
WAIN is more than a brokerage, it’s a partner in protection:
Lifecycle support: Placement, Claim Guidance, Appeals Support, and Reinstatement Strategy
Specialty-first focus: Built for High-Risk and High-Limit needs that standard channels often underserve
Contract-driven clarity: we prioritize definitions, caps, offsets, and outcomes—not just premiums
Long-term partnership: structured reviews as your income, work, and responsibilities evolve
WHO WE SERVE
A REAL CHALLENGE
75-100M+
American workers underinsured due to limited employer benefits.
$1.0-1.3T
Annual financial impact on families
12.2%
yearly growth for supplemental coverage need via the secondary insurance market
Questions?Contact us.
coverage@waininsurance.com
(844) 212-9246 (WAIN)