Greetings!
The word January comes from the ancient Roman mythology god, Janus of beginnings and transitions. The month of January brings about new changes to CBU, including exclusive marketing systems for our agents.
In this issue of CBU News, we discuss the intriguing concept of the Zero Cost Life Plan, the enhancements we've made to the CBU website and fresh marketing systems from CBU, accomplishments of the Worksite Division for 2012, and a 2013 "Not-To-Do" List for sales.
Make this your best sales year yet! A new year means new opportunities from CBU, and we will be there every step of the way. |
Innovative Concept for Life InsuranceThe Zero Cost Life Plan
The concept of Maximizing your Estate Value is not a new concept. What we have developed is a presentation that takes into account a couple of scenarios:
1. Qualified Money: How to use RMD's to Maximize Estate Value
2. Future Income Need: How to Replace Money Spent During Retirement for Income Needs
This "Turn -Key" System will allow you to present a formal, easy to understand proposal, to your clients that walks them through the "Zero Cost Life Plan", using Annuity and Life Products to help solve clients concerns of:
- RMD's not needed for income
- Preserving Estate Value
- Rising Tax Rates
- Low Renewal Rates
- Leaving a Legacy
- Safety of Principle
Call to learn more about this new marketing system.
1-866-275-3345 |
Enhancements and Changes to the CBU Website
Online Resources for Agents
The CBU website boasts a great deal of pertinent information that is helpful to agents. We have quoting and training available for the Life and Annuity Division, Updated Medicare information for the Senior Division, training, as well as online videos and manuals for the Worksite Division. In addition, we offer an exclusive list of marketing systems that are put in place just for you! We offer information in regards to Asset Preservation Workshops, College Planning, Reverse Mortgage Solutions, Final Expense Leads, and Medicare Leads. Just for our agents, we have also included information about the annual fall retreat and incentive programs.
We have added additional resources to the CBU website for agent use and for the benefits of your clients. Please login into the CBU website with your agent username and password and check out the Exclusive Marketing Systems navigation bar tab. Forgot your username or password? Don't have one? If so, please contact us here.
Use your agent log-in information on the top right-hand corner of the CBU website to access new and exclusive marketing system tools, including links and PDF files for Higher EDvantage and Reverse Mortgage Solutions. |
Worksite Division Ends 2012 on a High Note
The Dynamic Duo
 CBU's own Dynamic Duo leads the country in Washington National sales for the week of November 25 - December 1, 2012. CBU's Justin Cotta Holmes, Employee Benefits Advisor and Brian Heath, Manager for the Worksite Division led the entire country in Net Annualized Premium (NAP) for a Fortune 500 Company - Washington National. Congratulations to Justin, who led the country in Washington National sales with an NAP of $21,865. We also congratulate Brian Heath, Manager for the Worksite Division. Brian received second place in sales with an NAP of $20,846 in sales for the week of November 25- December 1.
For the week of December 16 - December 22 Justin made second place in the country for Washington National sales with an NAP of $16,660. We are proud to recognize our sales agents with this distinguished honor. Thank you for your dedication, and we congratulate you on your success! Keep up the good work! |
The "Not-To-Do" List for Success
Distinguishing Boundaries for You and Your Clients
Published by Denny Kern Heath, Member of MDRT
1.) Do not allow your client to lead your interview.
2.) Do not ask too many situational questions in an interview.
3.) Do not think that the client cannot afford more insurance.
4.) Do not believe the client will do you bodily harm if you call them.
5.) Do not buy into the belief that the client cannot afford the premium.
6.) Do not withhold pertinent information, regardless of how unsavory.
7.) Do not be afraid to make a not-to-do list. |
 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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