Provided by Specialty Group

Critical Injury

An add-on policy to Permanent Total Disability providing immediate compensation for serious injuries that may not be permanently disabling but still impact an insured’s career trajectory.

Overview

High net-worth individuals frequently lack sufficient disability insurance to cover their personal earnings. Ensuring that they receive immediate financial support for serious injuries requires a tailored approach. Our critical injury insurance product addresses the significant gaps left by traditional career-ending, permanent total disability (PTD) policies. With this add-on product benefit, Insureds can have further enhanced protection.

Best for

  • Current or projected professional athletes
  • Collegiate athletes
  • Professional sports teams/leagues
  • College NIL roster protection

Highlights

  • 12-month policy period
  • Worldwide coverage
  • 24/7 coverage
  • Limits of up to $1,000,000 are available per Insured
  • Benefits and table of benefits are scalable, so the coverage can be tailored to fit any budge

Summary of coverage

Critical Injury insurance is an added benefit designed to provide an immediate benefit when a major injury occurs. Coverage provides compensation for pain, suffering, rehabilitative care, and lost career time due to injuries that do not result in PTD but significantly impact the insured’s career. Coverage responds should the listed injury occur from the table of benefits, and the corresponding benefit amount becomes payable. A simple claims process verification providing proof of injury, and the benefit becomes payable.

Get in touch
Contact photo
Jeff Stanley

USA - Senior Vice President of High Limit Disability

Your team

Directory
Head office

401 Edgewater Place Drive, Suite 400
Wakefield, MA 01880

(781) 994-6000
Brendon Bruner

USA - Chief Underwriting Officer - Disability

Contact photo
Jeff Stanley

USA - Senior Vice President of High Limit Disability

Kathy Bouras

USA - Vice President of Prestige Underwriting

Related products

Permanent Total Disability

In many cases, high-earning individuals do not have enough disability insurance to protect their incomes. This coverage protects the earning capacity of highly compensated individuals.

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Temporary Total Disability

Provides highly compensated individuals with the excess protection missing from traditional disability coverage.

Learn more