Your Patients Rely on You, Now You Can Rely on Us.

25% of healthcare workers will experience a career-impacting injury, illness, or disability before retirement.

35% of travel nurses lack adequate long-term disability coverage.

Over 40% of surgeons and physicians are underinsured relative to their actual income potential.

Nearly 60% of healthcare professionals rely solely on employer coverage, which often excludes off-duty claims.

More than 20% of disability claims among healthcare workers are tied to stress, burnout, or mental health conditions.

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Employer-provided benefits often leave healthcare professionals exposed:

  • Travel nurses working as contractors may have no long-term disability coverage at all.

  • Surgeons, anesthesiologists, and other specialists often face coverage caps far below their six-figure incomes.

  • Many roles in healthcare are classified as higher risk, making traditional insurers reluctant to approve full protection.

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Why is Coverage Important?

At WAIN, we understand the sacrifices healthcare professionals make — from travel nurses working long shifts far from home to surgeons facing the intense demands of the operating room. You protect others every day; we make sure your future is protected too.

WAIN specializes in closing the gap where traditional carriers fall short:

  • Coverage designed for travel nurses, physicians, and surgeons.

  • Supplemental policies that boost protection beyond employer plans.

  • High-limit options tailored to six-figure and specialty incomes.

  • An AI-powered process that streamlines applications and minimizes underwriting delays.

How WAIN Helps

High-Limit Income Protection:

  • Short Term Disability: Temporary income replacement, typically for 3 to 6 months. Covers expenses during a medical leave.

  • Long Term Disability: Extended benefits set to begin after short-term disability ends for claims lasting longer than six months, providing income replacement for 2, 5, or 10 years or up to age 65–67, depending on the policy.

Life Insurance:

  • 10-30 Year Term Life: Flexible protection for families and financial planning with affordable premiums

  • Guaranteed Universal Life (Permanent): Locks in permanent coverage and a guaranteed death benefit so you don’t have to reapply later.

  • Accidental Death & Dismemberment (AD&D): Provides additional benefit if death or a qualifying injury results from a covered accident—an added layer of protection for those working in higher-risk environments.

Products Offered

“As a professional, you’ve worked tirelessly to get where you are. Yet traditional coverage rarely reflects your true income or the lifestyle you’ve built. I founded WAIN to make sure healthcare workers can access the high-limit protection that preserves both career earnings and family security.”

-Darwin Pichardo, Broker/Founder