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 Total Disability • Why most policies cover athletes 24/7, not just during games • The biggest misconception: why writers and families wrongly call everything "loss of value" • How Tommy John/UCL coverage varies dramatically based on policy wording • Why "required within 30 days" vs "performed within 30 days" can decide a claim • Hidden fine print that can void a payout (ex: % of season missed requirements) • The real claim rates David sees across hundreds of athletes each year • How universities handle insurance options (and why they can't "direct" one policy) • Why disability insurance is becoming part of NIL and revenue-share negotiations • How high school draft prospects use disability coverage as a college decision lever • What premiums can look like for pitchers — and why pitchers are the most expensive to insure • Why policy honesty matters: applications, medical records, and avoiding claim denial

ABOUT DAVID

David Brookbank is the co-founder of Income Protection Consultants (IPC), a specialty consulting firm that analyzes and advises on disability insurance policies for elite athletes across high school, college, and professional sports. David began his career in disability insurance over three decades ago and now focuses on independent policy review, education, underwriting guidance, and claims navigation — without selling the policies himself. He holds a master's in legal studies with a concentration in sports law and contract law and is deeply connected to the sports business ecosystem through Arizona State.

ABOUT MATT HANNAFORD

Matt Hannaford is a 25-year MLB agent and founder of Aligned Sports. He has negotiated historic contracts, represented MVPs and All-Stars, and now delivers weekly insight on player development, recruiting, and the business of baseball through The Most Valuable Agent podcast.

CONNECT WITH MATT Instagram: https://www.instagram.com/mfhannaford/ Website: https://www.aligndsports.com/YouTube (subscribe for weekly insight): https://www.youtube.com/@mostvaluableagent

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