Protecting Players, Teams & Programs with LOV Insurance
From high school to the NFL, First Down Financial and 21 Personnel Advisors provide Loss of Value, disability, and comprehensive insurance solutions to safeguard athletes, families, teams, and institutions.
Who We Are
At First Down Financial, in partnership with 21 Personnel Advisors, we understand that protecting athletes and organizations goes far beyond the game. We specialize in comprehensive insurance solutions for NFL, college, and high school levels ensuring players, teams, families, and programs have the security they deserve.

For Athletes & Families
- Loss of Value & Disability Insurance – Protects future earnings against career-impacting injury.
- Medical Expense Coverage – Reduces the financial burden of treatment and rehabilitation.
- Custom Policy Design – Tailored to the athlete’s goals, sport, and stage of career.

For Colleges & Universities
- Recruiting & Retention Tool – Insurance offerings can help attract and retain top talent.
- Program-Level Coverage – Protect your institution’s investment in student-athletes.
- Risk Management Guidance – Compliance-driven solutions integrated with NIL considerations.

For NFL Teams & Professional Organizations
- Roster Investment Protection – Safeguards the team’s financial commitment in players.
- Contract Guarantee Coverage – Mitigates risks tied to long-term deals and salary cap impact.
- Custom Group Plans – Structured coverage that aligns with team strategy and league requirements.
Why Work With Us?
We don’t just advise we write the policies.
Decades of experience representing athletes, coaches, and institutions at every level of the game.
Integrated with our broader financial and NIL services, providing complete protection and wealth planning.
Protect your athletes. Protect your team. Protect your future.