Ages 20–40 · 30-Yr Level Term
- Opt 1 · $101k
- $18–$23/mo
- Opt 2 · $201k
- $26–$31/mo
- Opt 3 · $301k
- $33–$39/mo
Life and accident protection for people who compete in the arena — and the households who count on them.
Rodeo isn’t a desk job. When roughstock or timed-event work is part of how you earn, it helps to talk through AD&D and life coverage in plain language — before a season gets busy.
A confidential Call or Text starts a conversation. This site does not provide quotes or guarantee approval, rate class, or product availability.
Confidential 15-minute review
Prefer Call or Text
No online quote engine
Confidential 15-minute review · Prefer Call or Text · No online quote engine
Estimated Rate Matrix
Informational sample monthly ranges — not a personalized quote.
Ages 41–50 · 30-Yr Level Term
- Opt 1 · $101k
- $20–$25/mo
- Opt 2 · $201k
- $28–$34/mo
- Opt 3 · $301k
- $35–$42/mo
Ages 51–55 · 20-Yr Level Term
- Opt 1 · $101k
- $22–$27/mo
- Opt 2 · $201k
- $30–$36/mo
- Opt 3 · $301k
- $38–$45/mo
Ages 56–60 · 20-Yr Level Term
- Opt 1 · $101k
- $27–$33/mo
- Opt 2 · $201k
- $35–$42/mo
- Opt 3 · $301k
- $43–$51/mo
| Age Bracket | Option 1 $101k Total |
Option 2 $201k Total |
Option 3 $301k Total |
|---|---|---|---|
| Ages 20–40 30-Yr Level Term |
$18 – $23/mo | $26 – $31/mo | $33 – $39/mo |
| Ages 41–50 30-Yr Level Term |
$20 – $25/mo | $28 – $34/mo | $35 – $42/mo |
| Ages 51–55 20-Yr Level Term |
$22 – $27/mo | $30 – $36/mo | $38 – $45/mo |
| Ages 56–60 20-Yr Level Term |
$27 – $33/mo | $35 – $42/mo | $43 – $51/mo |
All plans shown include a $1,000 level base life benefit plus high-limit accidental death protection (illustrative totals: about $101,000 / $201,000 / $301,000). These are illustrative amounts discussed with a Licensed Insurance Representative — subject to product rules, state availability, and underwriting. Not a personalized quote and not guaranteed. Arena or rodeo activity can affect how carriers review an application; this matrix does not predict approval, rate class, or product availability. Prefer Call or Text for a confidential review.
Want these figures walked through for your household? Call 800.365.TERM (800-365-8376) or Text 754-313-6200.
By the numbers
Population and competition-exposure context from published research — not underwriting odds, approval rates, or wait periods.
| Finding | What it means |
|---|---|
| Catastrophic injury 19.81 per 100,000 and fatality 7.29 per 100,000 (RCIR, 2007–2009); longer window 1989–2009: catastrophic 9.45 / fatality 4.05 per 100,000 | Butterwick et al., Clin J Sport Med 2011 (Rodeo Catastrophic Injury Registry). Thoracic compression was the most pervasive fatal mechanism; roughstock and bull riding showed elevated patterns in that registry work. |
| Overall ~16.6 injuries per 1,000 competitor exposures; roughstock ~88.7% of injuries; bull riding ~48.2, bareback ~41.1, saddle bronc ~23.2 per 1,000 CEs | Sinclair & Smidt (2011–2014 PRCA analysis years as labeled in that study). Useful for seeing how event type concentrates injury counts — not a personal prediction. |
| Injury rates often cited in the range ~4.2–19.1 per 1,000 CE; bull riding frequently the highest share among events | 2024 systematic review (Orthop J Sports Med / PMC11020730). Treat as a review range, not a single universal rate. |
Numbers like these describe competition exposure in the literature. They are not a quote, a rate class, or a decision about your file. Carriers evaluate applications on their own rules.
Why arena risk ≠ a livestock policy
Livestock mortality, ranch liability, and association membership benefits answer different questions than household life insurance and AD&D / accident benefits.
- A livestock or ranch policy may protect animals, property, or liability exposures on the operation.
- Arena competition can still leave a paycheck and dependent gap if a rider cannot work.
- Membership benefits (including PRCA-related programs) are not framed here as a substitute promise for personal life or AD&D planning.
What it means: Talk about the right bucket. This site is about AD&D / accident + life protection for competitors and households — not a livestock or liability quote desk.
Roughstock vs timed events
Information context from published competition-exposure work — calm and careful, no invented odds.
| Path | Information angle | What it means |
|---|---|---|
| Roughstock (bull riding, bareback, saddle bronc) |
Published competition-exposure work often shows a large share of injuries concentrated in roughstock; bull riding frequently leads event-specific rates in the studies above. | Higher published injury density in those events is context for a careful conversation — not a guarantee of any underwriting outcome. |
| Timed events (e.g., tie-down, team roping, barrel racing, steer wrestling) |
Injury patterns differ from roughstock in many datasets; exposure is still real for weekend, amateur, and professional riders alike. | “Not roughstock” does not mean “no conversation needed” for household protection. |
How visitors find themselves
- Professional / PRCA competitor — Season schedule, travel, and income tied to competing.
- Amateur / college / circuit — Building a record; household still depends on outside work or scholarships.
- Weekend / local association — Part-time in the arena, full-time bills at home.
- Spouse / parent / household — Wanting a clear Call or Text about paycheck continuity and accident benefits.
- Between seasons / after an injury scare — Ready for a quiet review, not a hard sell.
Each path can share the same CTA: confidential 15-minute review · Call or Text.
From the blog
Why Rodeo Risk Matters for Household Life Protection
Arena exposure shows up in published competition research. Households feel it in the paycheck. A calm way to separate those ideas — and start a confidential conversation about AD&D and life protection.
A confidential 15-minute review
Prefer Call or Text. We’ll talk through what you do in the arena, who depends on your income, and whether AD&D, life insurance, or both belong in the next conversation with a carrier. This is not a quote engine. Approval, rate class, and product availability are decided by carriers — including when coverage is fully underwritten.
A confidential Call or Text starts a conversation. This site does not provide quotes or guarantee approval, rate class, or product availability.
Email: greg@insureprotector.com
FAQ
Do you give online quotes?
No. Prefer Call or Text for a confidential review. This site does not provide quotes or guarantee approval, rate class, or product availability.
Who decides if I’m approved?
Carriers decide. Some products are fully underwritten; others follow different carrier rules. We can help you prepare questions — we do not replace the carrier’s decision.
Is this livestock or ranch insurance?
No. The focus is AD&D / accident and life protection for rodeo athletes, roughstock and timed-event riders, and households.
Does PRCA membership insurance cover what families usually mean by “life insurance”?
Membership and association benefits are their own programs. They are not framed here as a substitute promise for personal life or AD&D planning. A short Call or Text can help sort the buckets.
I’m only a weekend rider — is this still relevant?
Many households still depend on income outside the arena. Part-time competition does not automatically erase the paycheck conversation.
Will you lecture me about underwriting?
No. A confidential Call or Text starts a conversation. We’ll keep it practical and respectful.
How do I reach Gregory?
Call 800.365.TERM (800-365-8376), text or call Direct 754-313-6200, or email greg@insureprotector.com. Gregory M. Sloan, CLU®, ChFC®, Licensed Insurance Representative, NPN 2145633.