I am sure that you have noticed that premiums for disability insurance are much higher for women than they are for men. Here is an easy way to lower these premiums for female business owners.
Have her buy coverage on other employees. When she buys a DI policy for at least 2 other employees, it creates a multi-life case. This means that she will not only receive a premium discount of anywhere from 15 to 20 percent, she will also receive unisex rates with many carriers. The combination of the two could easily save her 50% off of her standalone rate. This savings will more than pay for the other 2 policies she is paying for.
And, it creates an opportunity for you to sell additional premium. How? Most likely, the owner is not going to buy "Cadillac" policies on the two employees. Just very basic, low-cost coverage. You then have the opportunity to talk to the other employees about purchasing additional coverage on a voluntary basis. Emphasize that not only is the employer paying for their basic coverage, but it gives them the ability to purchase the additional coverage at a highly discounted rate.