After you have completed this section, you will understand:

• the need for disability income insurance;


• how a disability income protection policy is structured;


• the personal and business disability income protection policies Ohio National offers;


• the factors that influence the disability income insurance sales process;


• the income protection objectives of small businessowners and professionals, and how to address them with your products and services; and


• the taxation of business disability insurance and key planning concepts.

The components listed below interact with this section and can be found by navigating to the ON-Net Forms Catalog.
(User log-in required.)

NOTE: It is recommended that students have hard copies of all forms referenced in this material. Please order or print the forms listed below via the ON-Net Forms Catalog for use as a reference throughout the course.

• Business Data Taker (Form 2417) Rev. 7/07
• Financial Supplement (Form 6497) Rev. 7/00
• Buy-Sell Questionnaire (Form 8660)
• Disability Income Marketing Guide (Form 8722) Rev. 3/10
• Summary of Coverage (Form 8723) Rev. 3/10
• Explanation of Benefits – Non-Cancelable Policies (Form 8726) Rev. 6/03
• Explanation of Benefits – Guaranteed Renewable Policies (Form 8727) Rev. 7/08
• Disability Income Product Feature Sheets (Forms 8730 and 8731)
• Disability Yearly Renewable Term (DYRT) Mailer (Form 8732) Rev. 4/07
• "What is Your Most Valuable Asset?" (Form 8736) Rev. 3/10
• Buy-Sell Feature Sheet (Form 8737) Rev. 6/03
• Business Overhead Expense Feature Sheet (Form 8741) Rev. 6/03
• Business Overhead Expense Feature Sheet Classes 4A, 3A & 2A (Form 8744) Rev. 6/03
• Buy-Sell Feature Sheet Classes 4A, 3A, 2A, A and B (Form 8747) Rev. 6/03
• Business Overhead Expense Specimen Policy (Form 8748) Rev. 1/99
• Buy-Sell Sales Brochure (Form 8752) Rev. 6/03
• Business Overhead Expense Feature Sheet (Form 8753) Rev. 8/07
Business Overhead Expense Sales Brochure (Form 8754) Rev. 7/08
• Folder (Form 8800)
• Sales Guide (Form 8801)
• Sales Sheet – Individual Disability Income Supplements (Form 8805)
• Sales Sheet – Guidelines for a Valid Salary Continuation Plan to Maximize Tax Advantages (Form 8806)
• Sales Sheet – The Odds Are Against You (Form 8807)
• Sales Sheet – Key Person Exposure & Corporate Liability (Form 8808) Rev. 12/07
• Sales Sheet – An Insured Salary Continuation Plan (Form 8809)
• Critical Path & Narrative Sales Track (Form 8810)
• "Do You Want To Pay Income Tax Twice?" Mailer (Form 8812) Rev. 5/08
• Salary Continuation Solutions Kit (Form DI-2)
• Ohio National Disability Income Software
• Ohio National reviewed & GA-approved Marketing & Selling Systems

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Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.

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