"My employees don't deserve it." Clearly, this comes from a Boss of the Year award recipient. We've heard time and time again that it's not just about salary, it's about the perks and benefits you get from your employer—oh, and probably if you like your boss, which I would bet these employees don't.

"I don't want my employees to take more time off." This comes from someone who has no concept of what protection like disability insurance does. One broker says clients tell her they don't want to offer disability insurance because they don't want employees taking more time off. "I reassure the client that an employee must have a true disability as documented by employer feedback and physician confirmation in order to be absent from work," says Michelle Scott, senior sales representative for employee benefits at American United Life Insurance Co.

"I do not want voluntary life since I cannot be the beneficiary." Way to leave your family hanging, buddy.

"I don't like your spokesperson." "After a 45-minute meeting, the client stated she loved everything we spoke about but couldn't do business with us since we once previously sponsored Danica Patrick and she completely disagreed with that decision," says Michael Chase, field vice president for employee benefits at American United Life Insurance Co.

"I don't like your Internet service." "A close second was a client who couldn't do business with us because she felt the customer service for her email account was poor," Chase says. "She thought we were the insurance division of AOL; she didn't understand we were AUL."

"It will make me lose my job." David Blanchard, principal at Digital Benefit Advisors, says an HR manager chose not to implement an online enrollment system, which was offered at no cost to the employer. "The decision was based on fear that the manager's position could be eliminated by the ease and effectiveness of a computerized system. In reality, a streamlined online enrollment process alleviates mounds of paperwork, enabling HR personnel to focus on core competencies."

"Just what ARE voluntary benefits?" This one sums it up—insurance confuses people, especially when we talk about relatively new options.

"Although surveys are showing that employers are increasingly including voluntary benefits in their programs, it's clear there's a need for our industry to educate employers," says Donna Joseph, CEO, Rhodes-Joseph & Tobiason Advisors.

From undeserving employees and confused managers, what's the craziest sales objection you've ever heard?