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.
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.
Industry Outlook
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 → 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 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