"This refers to tax-deductible Disability Income Protection designed to cover monthly expenses if you are disabled, including certain employee salaries, benefits, and payroll taxes:
Trigger questions
"Doesn't it make sense to let Uncle Sam help keep your doors open if you're sick or injured and unable to work?"
"Who do your people go to for decisions when you're not around?"
"Buildings and machines don't make money. Only management — key employees — makes money. You wouldn't think of not insuring your buildings and machinery against their loss; yet, when you lose a key person, you also stand to lose money. Doesn't it make sense to indemnify the company for that loss?"
Key employee-owner:
"Next to the circus, nothing packs up and clears out faster than business stability when the owner dies or becomes disabled. Do you think your banker would give your replacement the same line of credit that you've earned?"
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