"Who do your other employees ask for instructions or help when you're not around?"

"Are you prepared for the loss of key employees?"

"Have you calculated the financial impact of this loss?"

"What if the key employee was you?"

Business overhead expense plans

"Without insurance, how would your business or practice retain its revenues and continue to pay operating costs even during a brief period of disability?"

"If you're disabled, will there be sufficient funds to pay business operating expenses, including employee salaries, during periods of disability?"

"If I could show you a tax-deductible way to avoid having to use your personal assets or disability income benefits to pay your business overhead costs, would you consider my recommendations?"

"Would you like to see how Ohio National's business overhead Expense plan can provide you with a discriminatory, fully-taxed qualified Supplemental Retirement Plan?"

Employee benefits

"Are you prepared to recruit and retain the best employees through a progressive employee benefits program?"

"Would you be interested in an affordable group benefits plan?"

"Do you have a tax-qualified retirement plan?"

"If not, have you ever considered having one?"

"If so, what type do you have?"