Under traditional principles of insurance law, insurers are supposed to give as much consideration to the interests of their policyholders as they do to their profits. However, the paradigm of many disability insurers today is, "shareholder first". Profits take priority over protection of the disabled policy holder because of executive compensation incentives. At Allstate for example, senior management executives are required to own Allstate stock worth four times their annual salary. This plan flies in the face of the fiduciary nature of the insurance contract which prohibits insurers from "linking the interests of management with those of shareholders" since the shareholders' only interest is increasing profits - even at the direct expense of policyholders.