Nowadays, about 70 percent of millennials own some form of life insurance, whether it's individual, group, or both — after all, your body is your most important asset, so it makes sense to insure it just as you insure valuables like your home and car. But what if your biggest asset was your smile? Or your backside?
That's the strange reality many celebrities face. When a certain part of your body provides the golden touch that brings in literal millions, it sort of makes sense to take out a hefty policy on it in order to maintain a consistent standard of living, should tragedy strike. So, naturally, some celebs have insurance policies for their parts that are worth more money than you've ever seen in your life.
Kylie Minogue’s Bum
Insured For: An estimated $3.4 million
Though rumors have long swirled around Hollywood that Jennifer Lopez insured her world-famous posterior to the tune of $27 million, J-Lo herself denied any such thing in 2016 when she appeared on "The Late Late Show Carpool Karaoke Primetime Special" with James Corden.
You know who hasn't denied any butt insurance rumors? Kylie Minogue. After the golden spanks sported in her "Spinning Around" music video made her booty an icon, sources such as Elle and Metro reported that Kylie had her bum insured for 3 million euros, or about $3.4 million.
Keith Richards’ Hands
Insured For: $1.6 million
When you're the lead guitarist of the one of the best-selling musical acts of all time, you've got to take care of yourself — or at least, take care of one part of yourself.
Keith Richards' insurance policy seems like a bit of a paradox. For one, Keith Richards isn't exactly known for taking care of anything on his body — this is a guy who claims to have stayed awake for nine days straight, and who says he once snorted the ashes of his cremated father with a bit of cocaine. Secondly, it's long been speculated that Keith Richards is both immortal and indestructible (see previous statement). Nonetheless, the world-famous underwriters at Lloyd's of London confirm that Richards has insured his hands for $1.6 million.
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Julia Roberts’ Smile
Insured For: An estimated $30 million
In 2017, Julia Roberts was named People magazine's World's Most Beautiful Woman for a record-breaking fifth time. On set, she pulls down about $750,000 per day, making her one of the biggest female money-makers in Hollywood.
The point is, this romantic leading lady's smile pays some serious bills. Maybe that's why Ashburnham Insurance Services of Essex reports that she has it insured for a whopping $30 million.
Michael Flatley’s Legs
Insured For: Up to $51.8 million
"I've wrecked my body with dance," Michael Flatley told the Daily Mail in 2015. "My hamstrings are ruined, my groin is gone, and I've done irreparable damage to two points of my spine."
Sounds like the Lord of the Dance's situation is exactly why celebrity performers insure their bodies in the first place — after all, it was only immense physical agony that caused Flatley to retire on top of a $200 million fortune. Flatley told the Mail that his legs were insured for about $52 million for decades, but the policy amounted to far less at the time of the interview: "It's a very different sum, but it's very hard to get anyone to insure these legs," he lamented.
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Fernando Alonso’s Thumbs
Insured For: Up to $13.3 million
Famous folks who sing, dance, and act aren't the only ones who take out envy-inducing insurance policies. According to Richard Brice, Sport Insurance Professional at Integro Robertson Taylor, double champion Formula One racer Fernando Alonso used to lead the crazy insurance pack.
Brice claims that London-based bank Santander insured Alonso's driving thumbs for $13.3 million at the height of his championship career. Nowadays, that figure has surely slowed down quite a bit.
Dolly Parton’s…Well, You Can Guess
Insured For: An estimated $4.9 million
You guessed it — Dolly has her two prominent Partons insured for about $4.9 million. Though other sources — like the Huffington Post and People — have pegged the policy of the Queen of Country's dual 40DDs at about half a million, 2017 assessments from Lloyd's estimate a much bigger policy. After all, the Queen of Country is famous for joking, "It costs a lot of money to look this cheap!"
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Bruce Springsteen’s Raspy Voice
Insured For: An estimated $4.5 million
Take it from the source at Lloyd's: Bruce Springsteen's pipes are insured for about $4.5 million. And though his blue-collar poetry is likely more famed than his gravelly vocals, we're not sure you can actually insure lyrical writing talent — lots of insurance companies won't even insure body parts.
Four million sure seems like a lot of money, but when you consider that The Boss has a staggering net worth of $460 million — you read that right — it suddenly seems downright modest.
Tom Jones’ Chest Hair
Insured For: Rumored at $7 million
Tom Jones' body hair has more in common with the yeti than just lusty locks: It's been something of an urban legend for years.
That is to say, Sir Tom's chest hair is definitely real, but the debate about whether or not he actually insures his pectoral rug is still up in the air. Dublin-based news program Newstalk traces the story back to 2004, citing its reappearance several times throughout the years. Reportedly, Lloyd's was at first skeptical about the request, but later confirmed drafting a plan to protect the chest hair of a "male model" thought to be a cover for Jones. Though Tom himself denies it, Paul Alan Walls, Advertising and Media Manager at Bridle Insurance, seems to think it's the real deal; in a 2015 LinkedIn article, he estimated the policy at $7 million.
Daniel Craig’s Whole Body
Insured For: An estimated $9.5 million
The highest-earning Bond actor in the history of the franchise, Daniel Craig made the equivalent of about $5 million to appear in 2008's "Quantum of Solace." And he seemed intent on earning that paycheck, too; speaking to The Guardian that same year, chief stunt coordinator Gary Powell said, "Daniel puts the work in, even if it's something he's not keen on […] we've got him jumping out of a three-story building on top of a moving bus."
Plenty of performers have insured specific body parts, but because jumping three stories down onto a moving bus is a slightly more dangerous than belting an F5 or shaking your booty, Craig figured he'd just go whole hog and insure his entire body. Ashburnham reports that the whole-body policy is valued at about $9.5 million.
Mariah Carey’s Combo Package
Insured For: $70 million
Leave it to TMZ to dig up the dirt on mind-boggling celebrity insurance policies. That's exactly what they did in 2016, when they reported that during a South American tour, Mariah Carey took out two separate $35-million insurance policies for her voice and legs. That $70 million total — which doesn't seem too crazy when you consider Mariah's empire is worth $520 million and growing – makes this quirky body part insurance far and away the most valuable on our list.
But if you know Mariah, you know she's not just content to win — she has to dominate just like she does on the Billboard charts — on which she ranks as the best-selling female artist in history. And if the rumors are true, dominate she once did; according to the New York Daily News, Mimi had her picture-perfect gams insured for an actual $1 billion when she put them front-and-center in Gillette's Legs of a Goddess campaign back in 2006.
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