Part of our guide: Disability Income Insurance: Solutions, Tools and Guides →
A second-round NFL running back, three strong seasons in, was approaching free agency and the biggest contract of his career. One serious injury before signing could have wiped it out.
Key takeaways
- Players nearing free agency have the most future income at risk.
- His coverage increased from $5 million to $10 million of permanent total disability protection at renewal.
- The premium was about $90,000 plus taxes and fees.
From $5 million to $10 million of protection, so a career-ending injury wouldn’t erase his next contract.
The situation
Drafted in the second round, the player had completed three successful seasons and was heading into free agency. A permanent total disability before signing a new deal would have cost him the contract he’d earned.
The solution
His first policy provided $5 million of permanent total disability coverage. After another standout season, his advisor requested an increase at renewal. Working with his agent and advisor, we placed a $10 million permanent total disability policy.
The result
The benefit, generally received tax-free when premiums are paid personally, gave him peace of mind that his future contract and lifestyle were protected. The premium was roughly $90,000 plus taxes and fees.
Beyond pro athletes
Star athletes need specialized coverage, but many high earners have similar gaps. See income protection for high earners and a draft prospect case.
Frequently asked questions
Do NFL players buy their own disability insurance?
Many do, especially before free agency or a new contract, to protect future earnings beyond league-provided benefits.
How much disability coverage can a pro athlete buy?
It depends on projected earnings. Specialty markets can place $10 million or more.
Is permanent total disability insurance taxable?
Benefits are generally tax-free when the insured pays the premiums personally.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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