Greetings!
October! Yes, it's October which marks the fourth and final quarter of the calendar year. If history holds true (and it usually does here at CBU) this is going to be your best quarter yet. Now is the time when all your hard work starts to payoff, and it's scary how much business you can bring in from now until the end of the year.
In this issue of CBU News, we recap the Fall Retreat, introduce Critical Care, set dates for IUL webinars, offer up a recruiting opportunity, and sail the Seven C's.
Enjoy the extended weekend and spectacular fall foliage. Thanks for the business you do with CBU! |
 | | Combined Benefits United - Fall Retreat 2012 |
Fall Retreat a SuccessNow It's Time to Make It Rain
The Fall Retreat has commenced, and now it's time to Make it Rain! This means, setting (and hitting) your goals by working your book of business, staying focused on success, and applying some new techniques along the way.
During the retreat, our speakers offered insightful tips ranging from how to make "Every Dime, Every Day" count to how to communicate by "Sailing the Seven C's". In the next several e-newsletters, we'll share the concepts that we learned at the retreat, such as: new ideas for life and long-term care insurance, living wills and trusts, buy-sell agreements, supplemental health, and ways to effectively communicate.
Each year, we look for ways to improve the Fall Retreat. If you have ideas for next year's, please drop us a line. Thanks to all who attended, and we look forward to hearing about your future sales success.
Oh, and if you did not hear...there was a murder at the Fall Retreat. Please click here to view the suspect list. |
Expanding the LTCi Market Place
Critical Care is a New Kind of Insurance
 Critical Care is a new "must know about" product from Guarantee Trust Life Insurance Company that is Critical Illness coverage with increased benefits for assisted living facility and assisted living confinement.
Critical Care is designed, first and foremost, as a supplemental health insurance product for the broad market of under-insured individuals experiencing higher premiums, deductibles and co-pays along with reduced health insurance benefits. The new Critical Illness, or Critical Care Insurance, is designed to also be attractive to the niche market of individuals either not healthy enough or wealthy enough to obtain traditional LTCi.
The truth is, more new carriers with new and creative solutions are exactly what the market needs most at this time. Traditional LTCi is simply not for everyone; sales penetration rates tell us so. And the government will never be the answer for most. Just as life and annuity products with living-benefits for LTCi are appropriate options for some consumers, Critical Care is going to help breathe new life into a market that, quite frankly, could use some right about now.
For additional information on Critical Care, email or call us at 1-866-275-3345.
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Upcoming IUL Bootcamps
Join Us For These Informative Webinars
The life industry continues to innovate and change, and the opportunities are extensive. Please tune into Marc Lauffenburger's IUL Bootcamp and learn about the fastest growing segment of permanent life insurance sales in America.
Marc is the Director of Life Sales with Magellan Financial & Insurance Services and has dedicated the past 20 years to educating agents on the benefits of life insurance. Please mark your calendars and join us for the following Indexed Universal Life webinars:
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Oct 5, 2012 9:00 AM - 10:00 AM PDT
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Oct 12, 2012 9:00 AM - 10:00 AM PDT
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Oct 19, 2012 9:00 AM - 10:00 AM PDT
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Oct 26, 2012 9:00 AM - 10:00 AM PDT
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Click here to register! Please take note that all webinars are scheduled in Pacific Daylight Time. Once you sign-up for your first webinar, you will be registered for them all. Join us, learn, and put these new concepts into action!
For additional information, email or call us at 1-866-275-3345.
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Looking to Recruit New Agents?
CBU Partners Now Have Access to Our National Recruiter
 | Juliet Kelsey-Holmes
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Many of you have had the opportunity to meet our new recruiting partner, Juliet Kelsey-Holmes. Juliet has 15 years experience recruiting life, health, and financial service agents for the nation's top insurance companies.
We are excited to announce that as a CBU business partner, you now have access to Juliet and her team at Martin Grant Associates,Inc. as a recruiting resource. For a significantly discounted fee, Juliet and her team will recruit top talent for you and your company. If you have openings for sales agents or other positions, just reach out to Juliet.
Please keep in mind that Juliet is actively working to plug-in talented agents to open territories for the Asset Preservation Workshop System. If you know of any agents interested in filling our open territories in ME, NH, and MA, please contact Juliet.
Juliet Kelsey-Holmes, CPC
Martin Grant Associates, Inc.
617-423-0052 office
617-470-8381 cell
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Sailing the Seven C'sEffective Communication When Interviewing  Dennis Rinner, Director of National Accounts with American Independent Marketing, reminds us to use the Seven C's of Effective Communication while interviewing clients. As you begin the fact finding process, it's important to make sure we communicate in the clearest, most effective way possible. Keeping the following top-of-mind in how we present ourselves can be helpful:
1. Comfort - Talk or write with a warm and concerning tone.
2. Concerns - Recognize concerns and address them right away.
3. Control - Direct the interview or conversation.
4. Choice - Present options while helping to direct decisions.
5. Candor - Be frank, open, and sincere.
6. Competence - Display your knowledge while being informative.
7. Confidence - Have assurance and believe in yourself.
We spend almost our entire day communicating, and the Seven C's can be used not only verbally but in writing as well. By "Sailing the Seven C's" with our clients, it'll allow us to relate to our clients better and to be more effective in our productivity.
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 Combined Benefits United is an Independent Marketing Organization that is focused on powering insurance and financial professionals to be the best they can be. We proudly partner with the nation's top insurance companies to better offer clients a full range of life and legacy planning products. We welcome the opportunity to work with all of our agents, and we consider everyone to be a part of the CBU Team.
Sincerely,
Raymond Vallee Jr.
President
Combined Benefits United, Inc.
89 Water Street, Suite 2
Hallowell, ME 04917
1-866-275-3345
marketing@cbuteam.com
Our Mission "To achieve excellence within the insurance marketing industry through every word and action leading with transparency and convictions, while cultivating relationships with the highest level of integrity"
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Combined Benefits United
89 Water Street
Suite 2
Hallowell, ME 04347
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