One plan you might want to bring to the table when discussing disability financial planning with your business client is Key Person. Every business and
professional firm, profit and non-profit organization, charity, church and educational institution has at least one member of the organization who is “key” to the success of the organization’s mission. Protecting against the loss of services of a Key Person due to death is a common practice. That same protection is needed for loss of services due to a disabling event to a Key Person.