Manuel is the sole owner of an incorporated company thot manufactures and sells conveyor belts. Although the company has 32 employees in total, its financial success currently relies on the skills of its sales manager, Peter. The company's product is excellent and its pricing is competitive, but it is Peter's knowledge of the marketplace and his long-standing contacts in the industry that drive company sales. If Peter was to become disabled, particularly long-term or permanently, sales would decline significantly in the short term and his services would be hard to replace. For that reason, Manuel and his agent have been discussing key person insurance. Which of these key person disability policies on Peter would be best for Manuel's company