This player had hindsight firmly in his corner—many athletes and musicians don’t always possess this attribute. But they need to; life isn’t a Ouija board always letting us know what’s to come. And unfortunately, what’s ahead of us can come from the most unpredictable of directions. Why else would The Rolling Stones have to push back the start of their 2016 tour when Keith Richards was injured falling out of a coconut tree, or Lionel Richie having to postpone a tour after he caught a bug from a fan who kissed him, or Neil Young unable to tour because he cut his hand making a ham sandwich? Or ask Red Sox super-utility player Brock Holt if he ever envisioned that playing with his two-year-old son would result in being placed on the injured list due to a scratched cornea.
The largest asset these people have is their ability to earn an income based on their extraordinary abilities. If they are unable to perform, their income suddenly vanishes, and with it, the lifestyle they have built for themselves. If it’s all about time, then now is the time to get them the protection they need, before the cheering stops for good.
Chris Lack is director of business development, sports and entertainment division, of Exceptional Risk Advisors LLC. He is an expert on high-limit specialty life, accident and disability products for clients with extraordinary insurance needs.