30% of first responders will experience a disabling injury or illness during their career.
Nearly 45% of firefighters suffer work-related injuries that limit long-term earning potential.
1 in 4 police officers faces career-ending health conditions before retirement.
Over 40% of EMTs and paramedics lack adequate disability coverage outside of employer-provided plans.
You protect lives every day — we protect yours.
First responders face daily risks that most people never encounter. While municipal or employer coverage exists, it often has strict limits, excludes off-duty incidents, or caps income replacement well below actual needs. Many carriers classify these occupations as too high-risk, leaving large gaps in protection.
Industry Outlook
Why is Coverage Important?
Whether you’re responding to emergencies, saving lives, or protecting communities, your ability to serve is your greatest asset. Without proper coverage, an injury, illness, or accident could end your career and compromise your family’s financial security.
Specialized coverage for police officers, firefighters, EMTs, and paramedics.
High-limit income protection to safeguard your earnings if you’re unable to serve.
Supplemental life and accident coverage that extends beyond standard municipal benefits.
Access to specialty carriers who understand and accept the risks of first responder roles.
A streamlined, AI-powered process designed to minimize underwriting delays and reduce back-and-forth.
How WAIN Helps
High-Limit Income Protection → Supplemental disability coverage reflecting the realities of first responder work.
Term Life Insurance → Affordable coverage for families and long-term planning.
Accidental Death & Dismemberment → Additional protection against sudden catastrophic events.
Products Offered
“Coming from a high-risk profession myself, I know the challenges first responders face when trying to secure coverage. At WAIN, we make sure the people who put their lives on the line have a safety net they can rely on.”
-Darwin Pichardo, Broker/Founder