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John, is a charismatic speaker and considered to be the most efficient CEO of the iTel, a mobile manufacturing company, under whose leadership the company has managed to double its profits in just two years. The management is worried that if some unfortunate event or a personal accident that affects his ability to work occurs, the company’s economic interest will suffer. A lot of the success of the company is dependent on his personal abilities. Which type of insurance is the most appropriate for guarding against this risk?