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. 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!