Much like the NRA might say of a rifle, insurance is one of those things it's better to have and not need, than to need and not have. Car insurance, home insurance and life insurance can prevent plenty of life's possible losses but if you're a celebrity, you have higher income, different "assets" and of course, higher insurance needs.
Celebrities having insurance policies that cover a part of their body or a performance asset (such as a voice) is not new. Back in the 1920s, comedian Ben Turpin took out a $20,000 policy on his crossed eyes, a noticeable part of his act. Dolly Parton had her breasts insured for a hefty sum of many, Bruce Springsteen insured his voice and Keith Richards insured his hands. Some people claimed Richards had his middle finger insured, but it was in fact his hands, and the middle finger rumors were of his own making and meant as a joke.
Moving into the realm of all things beautiful, Heidi Klum had her world famous, drool inducing legs insured for just over two million and Mariah Carey had hers apparently insured for one billion as a publicity stunt with Gillette. With regard to many of these insurance policies, many are just that, publicity stunts aimed at getting a few heads to turn and get people talking.
While the vast majority of athletes have been insured for career ending injuries, it has been rare that a competitor has insured a single part. Most athletes are insured against career ending injuries, such as NFL tight end Jermichael Finley. While talented, he is widely considered injury prone, and applied in 2014 for his $10 million insurance policy after a neck injury essentially destroyed his stock within the NFL. These athletes however, chose to insure (or were insured by a third party) body parts, either to cash in on injury or as a publicity stunt.
10 Takeru Kobayashi - Stomach
9 Merv Hughes - Mustache
8 Troy Polamalu - Hair
7 Manuel Neuer - Hands
6 Fernando Alonso - Thumbs
5 Iker Casillas - Hands
4 Mark McGwire - Ankle
3 Cristiano Ronaldo - Legs
2 David Beckham - Legs
1 Lionel Messi - Legs
The Argentinian forward is widely considered one of the best players of his generation and his time playing for Barcelona has been impressive to say the least. His insurance policy is nearly equally impressive. While details are somewhat unclear, he is reported to have his legs insured for a ridiculous amount of money. Keeping in mind he is a four time FIFA Ballon d'Or winner, so maybe the 500-700k per year that he pays for a policy for over 750 million euro is appropriate.
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