Disability & Specialty Insurance for Athletes
Protection Built for Your Career. Coverage That Keeps You in the Game.
In professional sports, risk is part of the job. Every game, practice, and training session carries the potential for injury. Yet, when it comes to insurance, most athletes find themselves without proper protection. Traditional insurance providers often won’t touch high-risk professions like football, MMA, or hockey—leaving athletes exposed to massive financial loss if injury strikes.
At New World Agency, we specialize in closing that gap.
We offer tailored disability insurance and specialty protection built for athletes—from rising collegiate talent to professionals playing in leagues around the world. We understand the demands of your sport, your lifestyle, and your career trajectory. And we know how to build the right plan for your future.
Why Athletes Need Specialized Protection
Even the most promising career can change in an instant. Just ask the countless athletes who had to retire early due to injury or illness. From career-ending leg breaks to shoulder tears, or even unexpected diagnoses—the risks are real, and the consequences are life-changing.
New World Agency works with athletes in: Football | MMA | Hockey | Basketball | Baseball | Rugby | Bull Riding | Tennis | Golf | Motorsports | Cricket | Esports | and more.
Whether you’re on a team or an individual athlete, you deserve insurance designed for your reality.
Our Athlete-Focused Solutions
These are fully underwritten, customized policies placed through the Lloyd’s market—trusted globally for high-limit, high-risk insurance coverage.
Permanent Total Disability (PTD)
A lump-sum payout if an injury or illness ends your playing career permanently. Coverage can be customized to your sport, income, and future earnings.
Temporary Total Disability (TTD)
Provides monthly benefits during recovery from a temporary injury or illness that sidelines you. Ideal for short-term setbacks that disrupt seasons but aren’t career-ending.
Loss of Value Insurance
Protects against a drop in draft stock or contract value due to injury or illness. Critical for draft-eligible athletes or players negotiating major deals.
Draft Protection Insurance
Safeguards the future income of student-athletes with pro potential. If an injury strikes before signing, this policy provides a tax-free lump sum.
Accidental Death & Dismemberment (AD&D)
Covers catastrophic events like travel-related team accidents or life-altering injuries. Benefits can be paid to the athlete or the team.
Accident & Hospitalization Policy — Built for Every Athlete
High-Impact Protection. Zero Delay.
We offer a high-impact, high-value accident and hospitalization policy that delivers real benefits when the unexpected happens. This plan is available to individuals and families—and it pays out fast.
It’s an ideal solution for athletes of all levels—including professional football players, MMA fighters, bull riders, and other high-risk competitors, as well as amateur athletes who are more prone to fractures, breaks, and hospital visits.
If you want a simple, affordable safety net that provides cash benefits for hospitalization, outpatient procedures, or injury-related recovery, this policy delivers unmatched value—and it can be set up in minutes.
What makes it stand out:
• No medical underwriting required
• Very few exclusions on who can apply
• Immediate eligibility upon approval and submission of a completed application
Here’s what’s included:
Daily Hospital Confinement
• $400 per day if hospitalized (up to 365 days)
• Anywhere in Canada or the U.S.
Daily Intensive Care
• $1,600 per day if admitted to ICU
• Paid in addition to hospital confinement
Recovery Benefit
• $4,000 after 1–3 days hospitalized
• Up to $438,000 total depending on days confined and recovery period
• Paid while you recover—even if you’re not working
Outpatient Surgery, Fracture, or Stitches
• $4,000 per incident—even without hospitalization
Ambulance Reimbursement
• $800 per incident
This plan helps cover income loss, unexpected expenses, and recovery-related costs—so you can stay focused on healing, not scrambling to catch up financially.
Simple, Flat-Fate Pricing
• Individual Plan: $56/month
• Family Plan: $136/month
No medical exam. No lengthy approval. Just straightforward protection that performs.
This policy is built to complement your athlete-specific coverage—giving you income, flexibility, and peace of mind when you need it most.
Benefits and premiums shown are based on Plan 3 of the Combined Hospitalization – Accident policy. Coverage availability and eligibility may vary. No medical underwriting is required at time of application. Coverage begins once the application is completed and approved.
Real Stories. Real impact
“When a serious illness threatened to halt my career, my personal accident insurance policy was crucial. I knew that if my career was cut short, I had the right level of protection in place for me and my family. I’d strongly recommend my peers to consider purchasing a policy.”
— Carl Ikeme, Wolverhampton Wanderers and Nigeria International Footballer
“Suffering a major shoulder injury, which ultimately led to my early retirement at the age of just 29, was definitely a shock and something I was not expecting. I am so thankful that I made the choice, earlier in my sporting career, to take out an individual career-ending insurance policy, which was tailored and enhanced to suit my needs.”
— James King, Former Welsh Rugby International
“At the age of 28, I suffered a leg break whilst playing in a game and never thought I would have to retire from my professional football career early; sadly, this became a reality. Having the necessary cover in place gave me 24 months to try and return to playing, which really helped me come to terms with this and made the whole process less daunting.”
— Eunan O’Kane, Former Irish Professional Footballer
These testimonials underscore the critical role that tailored insurance policies play in safeguarding athletes’ careers and financial futures. They highlight how such coverage provides peace of mind and financial stability during unforeseen challenges.
Please note: The above testimonials are sourced from publicly available information and are provided here for illustrative purposes.
Jake Butt: Former University of Michigan tight end Jake Butt suffered an ACL injury during his final college game. Prior to this, Butt had secured a LOV insurance policy anticipating a high draft selection. Due to the injury, his draft stock fell, and he signed a rookie contract significantly lower than projected. Butt filed a claim and successfully collected on his LOV policy, highlighting the potential benefits of such coverage when properly structured and executed.
Chance Warmack: NFL offensive lineman Chance Warmack reportedly became the first professional player to collect on a LOV insurance policy related to his second contract. After an injury-impacted tenure with the Tennessee Titans, Warmack’s subsequent contract did not meet prior expectations, triggering his LOV coverage. This case illustrates the applicability of LOV insurance beyond initial rookie contracts, extending into an athlete’s professional career.
These instances demonstrate both the potential advantages and the complexities involved in LOV insurance for athletes. While such policies can provide critical financial protection against unforeseen circumstances affecting an athlete’s market value, successful claims often hinge on clearly establishing that the loss in contract value is directly attributable to the covered injury or illness.
Let’s Build a Plan Around You
Every athlete’s situation is different. That’s why we don’t sell cookie-cutter policies. We work with you to understand your sport, your earning potential, your risks, and your goals—and build a policy that performs when you need it most.