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For athletes whose bodies are their careers, one injury can change everything.

30% of athletes experience a serious injury every year that impacts competition.

40% of professionals in sports have no long-term disability coverage.

Over 50% of athletic injuries occur off the field or outside competition, where league or employer insurance often does not apply.

The average career recovery window is 2–5 years, leaving athletes financially vulnerable.

As someone who trains, travels, and competes outside of work, your lifestyle doesn’t fit the “average risk” box. Many leisure sports—especially those involving speed, altitude, depth, remote terrain, or technical equipment- are viewed as higher risk in the traditional insurance market.

While you focus on performance and the life you’ve built outside your profession, WAIN helps ensure your life and income protection are structured to match your real-world exposure, without forcing you into a one-size-fits-all solution.

Traditional carriers may respond to leisure sports profiles with higher pricing, exclusions, reduced offers, or limited options. WAIN specializes in navigating those underwriting realities with clear strategy and specialty-market access when appropriate.

Industry Outlook

Why is Coverage Important?

Leisure sports can impact insurance outcomes in ways most people don’t discover until they apply:

  • Traditional markets may apply avocation exclusions (coverage limited while participating).

  • Offers may come back with reduced benefits or stricter contract terms.

  • Some carriers limit options based on frequency, location, certifications, or intensity.

  • If you rely on group coverage through work, benefits are often capped and may not reflect your true income.

The right plan protects your income, your lifestyle, and your family—without penalizing you for how you spend your time outside of work.

Leisure sports underwriting is detail-driven. Small facts can change outcomes—frequency, training, certifications, locations, and the exact nature of the activity.

WAIN makes it simple by offering:

  • A clear pre-underwriting approach to identify realistic options before submitting.

  • Guidance to reduce surprises (exclusions, limitations, pricing tradeoffs).

  • Access to specialty markets when traditional carriers restrict coverage.

  • Education-first recommendations so you understand what you’re buying—and why it matters.

How WAIN Helps

This category varies by carrier and underwriting guidelines, but commonly includes:

  • Scuba / technical diving

  • Skydiving / BASE jumping

  • Backcountry skiing / heli-skiing

  • Mountaineering / rock or ice climbing

  • Motorsports / track racing

  • Big-wave surfing / kitesurfing

  • Private aviation (pilot hours)

  • Offshore sailing / open-water endurance events

  • Expedition travel / remote terrain activities

Common Leisure Sport Profile We Support:

Income Protection

Short-Term Disability: Designed to protect cash flow during shorter medical events, so a temporary injury or recovery period doesn’t force you to drain savings or rely on debt.

  • Covers the early phase when income stops but expenses don’t.

  • Helps bridge gaps before long-term protection begins (if applicable).

  • Protects day-to-day obligations during recovery.

Long-Term Disability: Designed for extended illnesses or injuries that can impact income for months or years. Structured to help protect earning power when you can’t work due to sickness or injury (subject to underwriting and policy terms).

  • Protects against long-duration financial disruption.

  • Helps close gaps above capped employer benefits.

  • Builds a plan when traditional markets limit options due to avocations.

Life Insurance Solutions

Term Life Insurance: Efficient coverage for a defined period—commonly used for income replacement and protecting major liabilities.

Guaranteed Universal Life (Permanent): Long-duration (often lifetime) death benefit protection focused on guarantees when designed and funded properly.

Accidental Death & Dismemberment (AD&D): Accident-focused supplemental protection that may provide benefits for qualifying accidental death or severe injury events (subject to policy terms).

Final eligibility depends on details such as certifications, frequency, depth/altitude, locations, and safety record.

Coverage amounts, durations, definitions, and riders vary by carrier and are subject to underwriting approval.

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