Professional and executive disability income insurance exists to offer peace of mind to high-earning professionals who would not be able to maintain their lifestyles in the event of disability, injury, or illness that prevents them from working. These policies are very specific and often entail expensive premiums, which should logically indicate a sound investment for a high-earning individual to protect his or her income in the event of an unexpected accident. Most professional and executive disability income insurance policies are long-term insurance policies that offer financial coverage in the event the policyholder is no longer able to work.