"Are you and your key people being sufficiently rewarded, outside from your salaries?"

"Would you be interested in providing additional benefits for yourself and selected employees, without having to invite everyone else to the party?"

"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?"

"Would you be interested in paying for these benefits with tax-deductible business/practice dollars?"

Estate planning

"Does your business represent the bulk of your estate?"

"If so, have you coordinated your business and personal assets to assure their orderly transfer to your heirs at your death?"