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Executive Disability: The Unhedged Risk in Corporate Balance Sheets

Executive Protection Published September 28, 2026 • 5 min read

Executive Disability: The Unhedged Risk in Corporate Balance Sheets

Structuring layered disability architecture and corporate overhead defense to protect shareholder equity when critical illness or disability strikes.

Executive Disability: The Unhedged Risk in Corporate Balance Sheets
Robert Robwoh
Robert Robwoh
Founder & Principal Advisor

The Coverage Gap for High-Earning Executives

Traditional group disability insurance plans cap non-evidence limits at conservative levels, leaving top executives and business owners with income replacement ratios as low as 25–40% of real earnings.

Layered Defense Architecture

  • Individual Top-Up Policies: Preserving pre-disability net cash flow.
  • Business Overhead Expense (BOE): Covering operating costs during founder convalescence.
  • Key Person Disability: Providing liquid capital to recruit executive interim successors.
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