10/15/2026
What do a rockstar’s s***m and a racecar driver’s thumbs have in common? They were both insured for millions. Real policies below👇🏻
👁 Back in the 1920s, silent film actor Ben Turpin became the first person to insure a body part - his crossed eyes. If his eyes ever straightened out, Lloyd’s was set to pay up. That squint was literally his entire career.
🎸 David Lee Roth (Van Halen) insured his s***m for $1 million. Not against injury, but to protect himself against paternity lawsuits if he happened to get a fan pregnant.
🫃 Lloyd’s drafted an actual 4-page policy covering a male model’s chest hair. The payout only kicked in if he lost more than 85% of it (certified by two doctors). Standard policy exclusions applied: war, radiation, terrorism… and “hazardous activities,” including pregnancy and childbirth. For a man.
👍🏻 F1 driver Fernando Alonso’s thumbs were insured for $13.3 million. His sponsor explained that his thumbs were essential for controlling the car and “symbolized victory.”
🍪 Bette Davis insured her waistline for $28,000 back in the 1930s - just in case she “ate too many cookies.”
🦵 Mariah Carey’s legs were insured for $1 billion (though subject to a $200,000 deduction for a scar). David Beckham’s legs were covered for $195 million - one of the largest personal policies in sports history.
👅 Gordon Ramsay’s tongue was insured for $10 million, while the chief taster at Costa Coffee had his taste buds covered for $13 million.
⚠️ Reality check: J.Lo personally debunked the famous rumor about her $27 million butt insurance. Proof that you shouldn’t believe everything on the internet.
💡 How it actually works: This isn’t health insurance - it’s loss of income coverage. Funnily enough, almost none of these celebrities ever collected a payout because policy triggers are nearly impossible to meet. But the underlying concept plays a serious role in the corporate world through Key Person Insurance - like taking out a $20M policy when an $85M deal hinges entirely on the health of a single executive.
If you could insure one body part, what would it be? 😏
