Attaining a leadership position presents its own set of risk management challenges. Oftentimes the insurance benefits provided by a healthcare institution has been selected to address the needs of the overall employee population and this may result in a level of coverage that doesn’t adequately address an executive’s current insurance needs. These limitations can include not insuring all income sources or levels in the event of an accident or illness, not protecting retirement plan contributions and the inability to retain coverage if the executive leaves their current employer.