High-Limit Coverage for Executives.
Built to close employer gaps and protect income at your true earning level.
High-limit executive disability coverage for the white-collar market offering $100,000+ per month in potential benefits, with participation up to 75% (personal) and 100% (business uses), case dependent.
Designed to supplement or replace traditional coverage when standard carriers cap benefits below what highly compensated executives need.
As executive compensation increases, traditional disability carriers typically reduce issue and participation limits, creating a gap right where protection is needed most.
Many executives rely on group disability plans that’s commonly up to only 60% of income and usually capped. When employer-paid, benefits are taxable, further reducing real take-home protection.
A proper plan often requires a tiered approach (Group disability + individual + high-limit layers) to get closer to 65% of income protection, and to keep coverage aligned as roles, compensation, and responsibilities evolve.
Industry Outlook
Why is Coverage Important?
For executives, income is tied to strategic decision-making, sustained cognitive performance, and leadership under pressure. A natural illness — whether neurological, cardiac, autoimmune, or stress-related can impair focus, stamina, or executive function long before it prevents you from working entirely. Because employer group disability plans are designed for scale with fixed caps and standardized definitions, they often fail to reflect executive-level compensation, making properly structured supplemental coverage essential.
Together, we can build a tiered disability strategy to help move total protection toward 65% of income (case dependent).
Coordinate existing coverage (e.g., capped Group LTD often ~60%) to identify and quantify the real gap.
Use a private pre-screen to position the case correctly before formal underwriting.
Source specialty high-limit markets when traditional carriers reduce issue/participation limits at higher incomes.
Manage underwriting through policy delivery and ongoing service so coverage stays aligned with evolving compensation.
How WAIN Helps
Executive 400 High-Limit Disability (Supplemental / Standalone): Designed for high-income earners, Executive 400 can supplement existing disability coverage or provide the entire 65% benefit if an executive cannot obtain underlying insurance.
Products Offered
“As a former diver, I experienced firsthand how difficult it was to secure coverage while working in a high-risk profession. After facing the challenges of finding protection, I founded WAIN to make sure no one in similar environments or demanding careers is left without the safety net they deserve.”
-Darwin Pichardo, Broker/Founder