When you lead at the highest level, your coverage should be just as strong.
Over 40% of corporate executives are underinsured compared to their income and responsibilities.
Nearly 25% of executives will face a career-impacting illness or disability before retirement.
60% of executives rely on employer-provided benefits that cap far below actual earnings.
The average long-term disability claim lasts 3 years, creating significant financial exposure for high-income leaders.
Corporate executives often believe their compensation packages provide sufficient protection. In reality, most group disability and life insurance plans cap out at $5,000–$10,000 per month, which barely covers a fraction of executive-level earnings. Traditional carriers rarely offer policies that scale to true income, leaving executives — and their families — vulnerable.
Industry Outlook
Why is Coverage Important?
Your leadership role is supported by years of work, expertise, and financial responsibility. If illness or injury interrupts your career, the impact is magnified at the executive level — from lifestyle obligations to family stability. Without high-limit protection, even short-term disruptions can create lasting financial consequences.
High-limit income protection tailored to executive-level salaries and compensation structures.
Supplemental policies designed to go beyond group or employer plan caps.
Access to specialty carriers who understand the risks of high-income professionals.
Tailored solutions for CEOs, CFOs, attorneys, surgeons in leadership roles, and corporate executives across industries.
An AI-powered, modern application process that reduces underwriting delays.
How WAIN Helps
High-Limit Income Protection → Supplemental disability designed to cover total earnings, not just base salary.
Term Life Insurance → Protection scaled to meet high-limit family and estate needs.
Accidental Death & Dismemberment → Additional coverage for unexpected catastrophic events.
Products Offered
“As someone who’s faced the frustration of being underinsured in a high-risk career, I built WAIN so executives at the top of their industries can have coverage that matches their responsibilities.”
-Darwin Pichardo, Broker/Founder