• Residual or partial disability riders to provide income to the insured if he or she continues to work in the business part-time.
• A substitute salary expense rider to cover the expense of hiring a replacement.
• Optional Guarantee of Physical Insurability Riders, in which the insured is guaranteed the option to purchase additional coverage every other year with no evidence of physical insurability.

Note: For a description of Ohio National's BOE plans, see Form 8722. Continue on Disability Marketing Guide.