Let me pose a simple question. What would happen to your company if you became disabled and were unable to work for a period of time? If you are an independent agent or an agency owner, the probable answer is that you would have to attempt to sell your book of business quickly or let your staff go and close-up shop. What happens when a key person to a business becomes disabled? The simple answer is that the business suffers. The physical loss of a key employee or employer eve