Because of the high risk of becoming sick or hurt, business disability concepts — Salary Continuation, BOE, and Disability Buy-Sell Insurance — should rank high on the list of priorities for businessowners and professionals. Prospects are plentiful, but the tighter your marketing focus, the more effective your sales efforts will be. Since disability is a great door-opener, you can use these issues to enter whatever segments of the business and professional market you select to make sales, build clients, cross-sell to other needs and get plenty of referrals!