Where traditional coverage ends, WAIN begins.
Broker | Founder
Darwin founded WAIN Insurance because he understood, on a personal level, how difficult it can be to secure protection when working in a high-risk profession. For many of us, the very careers that demand courage, skill, and sacrifice are the ones traditional insurance carriers label “too risky.” He built WAIN to change that.
“I began my career as a diver, a profession where risk is part of everyday life. While trying to secure coverage, I quickly learned how limited and complicated the options were. Later, after an accident outside of work, the importance of having reliable protection became undeniable. That experience shaped WAIN’s mission: to make meaningful coverage accessible to those who need it most. I’ve lived it. I’ve navigated the frustrations. And I built WAIN to ensure that you don’t have to.”
What We Believe
We believe insurance should be clear, fair, and tailored. Too often, high-risk professionals and high-limit earners are met with exclusions, low caps, or complex policies that leave them exposed. At WAIN, our philosophy is simple:
Everyone deserves access to meaningful protection
Everyone deserves clarity in what they’re purchasing
Everyone deserves confidence that their family and future are secure
WAIN Is Different
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
Leverage modern technology and AI-driven tools to cut through the complexity
Focus exclusively on supplemental term life and high-limit income insurance
Lead with education, ensuring every client understands their options fully
Who We Serve
High-risk professionals — divers, construction workers, pilots, healthcare providers, first responders
High-income earners — surgeons, executives, athletes, entrepreneurs
Anyone whose protection needs extend beyond the limitations of employer plans or traditional carriers
Why WAIN?
Because when your livelihood involves risk — whether physical or financial — you cannot afford gaps in your coverage.