Disability insurance is a topic that few want to discuss, primarily because envisioning oneself or a major contributor to an organization with a disability can be uncomfortable. Yet, the disability of a key executive, physician, or attorney, can be detrimental to an organization’s efficiency, profitability, and most importantly, the valued relationships that drive business. A properly insured executive disability program can be used to hedge against these risks, bring emotional security to your top talent, and make your company more competitive.