For the people who build and power the world, WAIN provides supplemental life and disability protection that holds up in high-hazard work.
Mining, quarrying, and oil and gas extraction fatality rate: 16.9 per 100,000 workers.
Construction fatality rate: 9.6 per 100,000 workers
Disability is common: about 1 in 4 20-year-olds will suffer from a income interruption event before retirement.
Many professionals lack adequate coverage: 65% of the private sector workforce has no long-term disability insurance.
Industrial and energy professionals operate in environments where severity risk is real. The national fatal work injury rate across all industries was 3.5 per 100,000 FTE workers in 2023.
At the same time, project-based work, rotating schedules, and overtime-heavy income can create a benefits mismatch; coverage is often built around base pay and broad workforce assumptions, not hazardous duties and variable earnings.
Industry Outlook
Why is Coverage Important?
For professionals in the industrial and energy sector, income depends on physical capability, technical precision, and the ability to operate in high-risk environments. A sudden injury or natural illness can immediately interrupt the ability to perform specialized duties, even if you remain capable of other work. Because many employer group disability plans are capped and built for broad workforce protection, properly structured coverage is essential to protect income at its full earning level. 65% of the private sector workforce has no long-term disability insurance, leaving your family exposed to income disruption if injury or illness takes you off the job.
Quantifies your real-world exposure: duties, environment, travel, heights/confined space, offshore/onshore, and schedule.
Identifies the benefit gap created by caps, limited coverage access, and income that doesn’t fit cleanly into employer formulas.
Build a supplemental strategy that complements what you already have instead of duplicating it.
Coverage through specialty markets built for higher-risk occupations and complex profiles.
Manages the process end-to-end: pre-screen, underwriting coordination, policy delivery, and ongoing service.
How WAIN Helps
Supplemental Disability Insurance
Individually owned disability insurance designed to add protection beyond employer Long-Term Disability.
Options structured for occupational risk, travel, and duty environment.
Designs that can include protections for partial disability and extended claims (plan dependent).
Guaranteed Universal Life (Permanent):
Individually owned permanent life insurance that follows you across employers and projects.
Supplemental coverage above basic group life access levels (union and nonunion).
Placement support when hazards, duties, or travel make standard underwriting difficult.
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