Permanent Total Disability

In many cases, high-earning individuals do not have enough disability insurance to protect their incomes. Typical individual and group disability insurance policies provide insufficient protection for the substantial incomes of some athletes, executives and entertainers. Our prestige disability insurance products for highly-compensated individuals help provide the excess protection that is missing from the traditional disability market.


  • 3 to 5-year policy periods
  • 5-year benefit periods
  • Limits of up to $100 million are available and higher limits may be available upon request
  • Own occupation definition
  • Residual rider option available
  • Worldwide coverage

Target Insureds

  • Current or projected professional athletes
  • Professional sports teams / leagues
  • Executives
  • Entertainers and entertainment industry professionals
  • Individuals with high net worth

Summary of Coverage

Tokio Marine HCC - Specialty Group's Permanent Total Disability (PTD) coverage protects the earning capacity of highly-compensated individuals. Often referred to as “career ending” insurance, PTD coverage pays a stated lump sum benefit once the elimination period has been satisfied. Coverage is often purchased by an athlete, entertainer or executive for his or her own benefit. This coverage can also be purchased by a third party on behalf of an individual with whom they have a vested interest.




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Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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