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Disability Insurance for Athletes

Best Disability Insurance for Athletes

Income Protection for Professional Athletes

High-Limit Sports Disability Coverage

Disability insurance for athletes protects against injuries that could jeopardize guaranteed contracts, signing bonuses, and endorsements.

Professional athletes rely on their physical ability and precision—especially their hands—to secure their future. A high-limit disability insurance policy protects their income and ability to earn through contracts, bonuses, and endorsements.
  • Reduced elimination period each year without a claim, supporting athlete disability coverage over time
  • Competitive pricing for athletes and professional athletes with high-income potential
  • Strong residual disability benefits for partial or reduced athletic capacity
  • Broad eligibility across professional sports and competitive athletics
  • Industry-leading true own-occupation definitions for athlete disability insurance
  • High-limit disability insurance options designed to protect future earnings
  • Top third-party financial ratings among insurance companies
  • Well-suited for professional athletes with specialty-specific risk
  • Dividends paid annually on qualifying disability insurance policies
  • Enhanced partial disability coverage for athletic injuries or illness
  • Strongest possible third-party financial ratings for long-term stability
  • Consistent disability benefits for athletes facing career interruptions
  • Flexible occupation classifications supporting athletic disability insurance
  • Competitive disability income insurance options for athletes at different career stages
  • Broad range of policy riders and coverage enhancements
  • Future increase options aligned with rising income and contract growth
Disability Insurance The Standard
  • Long history of claim management in sports disability insurance
  • Discounts available for policies issued digitally
  • Stable benefit structures for long-term disability protection
  • Compassionate Care Benefit supporting recovery and family care

Disability Insurance for Athletes – Request a Quote

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Athlete Disability Insurance Quotes

Own-Occupation Disability Coverage

Pays full benefits when an athlete cannot perform their sport due to injury or illness, even if working elsewhere.

Residual Disability Income Protection

Provides partial benefits when reduced play or recovery lowers income by 15–20%, ensuring consistent earnings during rehabilitation and return-to-play periods.

Future Purchase Option Rider

Allows coverage increases as salaries and endorsements grow, without new medical underwriting. Includes flexible options through major carriers including Guardian, MassMutual, Ameritas, and The Standard.

Athlete Disability Insurance FAQ