"What monthly benefit would you receive under your group disability plan? Could you and your family live on that income? Would you be interested in supplementing those benefits?"

"Who is your most valuable employee? If he or she became disabled, how long could you afford to keep paying his or her salary?"

"Do you realize you would be creating negative tax implications for your business if you kept paying salary without having an IRS-approved Sick Pay Plan?"

"If I could show you a way to get money out of the company without having the IRS declare it a dividend, would you take a look?"