At this crucial time in the life of the small business and its owners, disability insurance shifts the burden of financing the buyout of small business owners and the business to the insurance company. Disability redemption insurance. If the disabled homeowner is unable to return to work, disability insurance may allow the business (or buyer under a purchase and sale agreement) to purchase the disabled person`s interest at a predetermined monthly, annual or lump sum. Disability-buy-back insurance does not provide disability insurance, so the disabled owner receives a fair price for his or her business interests and continues to receive the agreed disability insurance payments. .