Episode
Don't Let an Injury Ruin Their Financial Future
- Published
- Jan 21, 2026
- Duration seconds
- 3439
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Summary
Most baseball families think "insurance" only becomes relevant after a player signs a pro contract — but the truth is, disability insurance is already shaping decisions in high school recruiting, NIL negotiations, and college roster building. In this episode of The Most Valuable Agent, MLB agent Matt Hannaford sits down with David Brookbank, co-founder of Income Protection Consultants (IPC), one of the most trusted independent voices in the disability insurance space for elite athletes. David has spent 30+ years inside disability policy structure, claims, and underwriting — and he's also deeply plugged into sports law and the business side of college athletics through Arizona State's sports law ecosystem. Together, they break down what disability insurance actually is (and what it isn't), why "loss of value" is the most misunderstood term in amateur baseball, and how families can avoid the biggest mistake: listening only to the person selling the policy. You'll learn the real layers of coverage (Permanent Total Disability, Critical Injury, Temporary Total Disability), how policy language can completely change whether a claim gets paid, why illness claims can be bigger than injury claims, and how universities are now using disability policies as a tool to attract and retain draft-level talent. If you're a parent, player, or coach trying to understand what happens if he gets hurt — and how to protect a future before the draft/NIL money shows up — this episode gives you the roadmap. Subscribe for weekly insight on player development, recruiting, and the business of baseball — with the truth families rarely hear early enough. WHAT YOU'LL LEARN • What disability insurance is in sports — and why it exists • The 3 core layers of coverage: PTD vs Critical Injury vs Temporary T…