Response:
"A forced sale is like putting your assets out in a garage sale. You'd get just a fraction of what they're worth and may end up dismantling your business or destroying your personal savings. There's a reasonable way to avoid having to lose everything you've worked so hard for. Why not use it?"

Objection:
"We're already paying too much in insurance premiums now!"

Response:
"Sure, I can understand that. However, if you were disabled, you'd have the same expenses to pay, but with less income to do it. Even though the premiums are deductible, would you see this as less of an expense if you were to establish a supplement to your retirement plan, just for yourself, as part of this same package? Would you like to get all of your deposits back?"