Professional Athlete Disability


Available to athletes in all major sports and to high level amateur prospects wanting to protect their future earnings as a professional.


Permanent Total Disability (PTD)
Permanent Total Disability (PTD) coverage is used to protect professional athletes, college players, juniors with highly ranked ‘up and coming’ status and professional sports team from career ending disablement.

Permanent Total Disability is defined as being totally disabled as a result of bodily injury, sickness or disease, preventing the Insured from ever again participating in their own occupation.

Benefits are payable in a lump sum with an elimination period of 12 months.

PTD can be purchased by individual athletes to protect them against personal loss of future potential income or by teams as Key Player coverage to protect their financial interest in guaranteed contracts.

Temporary Total Disability (TTD)
Temporary Total Disability (TTD) coverage is designed to respond in the event that a professional athlete is temporarily unable to work. TTD is defined as being wholly and continually prevented from performing the major duties of their occupation, due to accidental injury or sickness.

This document provides only a brief description of the coverage's available and is subject to change without notice.

All the policies contain reductions, limitations, exclusions and termination provisions.