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Greetings!
October not only brings crisp fall weather, but it also marks the start of the fourth and final quarter of the calendar year. The weather outside may be starting to cool down, but things are heating up at CBU.
In this newsletter, we congratulate Jac Arbour on his first book going to print as well as agents who earned Washington National's cash incentive. Our three Business Builder Seminar speakers are introduced and we discuss the APW and SSR workshops. As always, we also have a new sales tip from the Million Dollar Round Table.
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Jac Arbour's First Book Goes to Print
"May You Drink from the Saucer: Timeless Truths for an Extraordinary Life"
Jac Arbour's entrepreneurial spirit and  desire to share the wisdom of his mentors inspired him to write his first book: "May You Drink from the Saucer." Jac's second book, This Little Piggy, is a coming-of-age parable with financial and personal development lessons for readers of all ages. Jac's commitment to the financial literacy and personal development of others fuels his passions for philanthropy and community involvement. Jac has made it a focus to integrate these passions into his life insurance and estate planning career.
Danny Cox, author and hall of fame speaker praises, "This book forms a firm foundation for building a significant life full of barrier-breaking accomplishment and personal fulfillment. Your underdeveloped potential is about to go for quite a ride!"
"May You Drink from the Saucer" is your starting point for a life overflowing with learning, growth, and fulfilled dreams! These timeless truths and practical ways to apply them will serve you right away and for the rest of your life.
Pleas join us in congratulating Jac on this outstanding accomplishment. To learn more about "May You Drink from the Saucer: Timeless Truths for an Extraordinary Life," click here to view the full book cover.
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Washington National Cash Incentive
11 CBU Agents Earn Cash Incentive
From July 15-September 15, 2013, Washington National offered a cash incentive to producers. For every $2,500 in NAP, Washington National paid he agent a $50.00 cash bonus.
CBU is proud to announce that eleven of our producers earned this cash bonus. These agents are:
- Allan Beck
- Brad Dyer
- Brian Heath
- Brian Peltier
- Cribstone Capital Management
- Justin Holmes
- Kelli Brewer
- Kimberly Lontine-Kearson
- Marie Hayden
- Nicole Shields
- Walter Reynolds
Make sure to keep an eye on our incentive programs page to learn about how you can earn exciting rewards and trips.
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Business Builder Seminar Speakers
Marc Lauffenburger, Richard Abbondanza, and Dennis Rinner
 Our Business Builder Seminars bring together the best trainers in the industry to educate agents on how to effectively increase their sales. Our national speaker on the subject of Indexed Universal Life Insurance is Marc Lauffenburger. During the seminar, Marc shared his knowlefe about the power of Indexed Universal Life. With significant changes to tax rates in 2013, there has never been a better time to talk to your clients about using an IUL policy to supplement their retirement income. Marc has 20 years experience in the Financial Services Industry as a transformative leader with a distinguished career specializing in strategic financial planning. He is currently the Director of Life Sales for Magellan Financial.  The national speaker on Fixed Index Annuities and estate planning is Richard Abbondanza. Mr. Abbondanza regularly speaks on the subjects of estate planning, retirement planning, and real estate and business succession planning. He is admitted to practice in all Maine courts. During each of our seminars, Richard will focus on the power of Fixed Index Annuities and the FIA's role as an estate planning solution. Mr. Abbondanza is a partner in the Portland, Maine law firm of Hopkinson & Abbondanza. He received his undergraduate degree from Amherst College, cum laude, and his law degree from Catholic University of America.
Dennis Rinner is our speaker on Critical Illness. He has trained countless agents and advisors and has conducted over 1,300 industry workshops nationally. Dennis is one of the industries most effective sales trainers and one of the most sought-after speakers in the country. Mr. Rinner's focus is on actionable strategies and actual sales language that can be implemented immediately into an advisor's practice and client meetings. His positioning helps advisors and clients understand why Critical Illness is so important for client's planning and for advisor's practices. Dennis is a Certified Financial Planner and received his B.S. Degree from San Diego State University.
To learn more about our Business Builder Seminars, call 1-866-275-3345.
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Asset Preservation Workshop & Social Security Rescue
Turn-Key Marketing Systems
Over the past twenty five years, financial professionals around the country have utilized seminars in order to share their message. Why? Well, the answer is simple. Seminars provide the ability to tell a story one time to a large audience, rather than to one individual at a time. As a result, you are leveraging the two most valuable assets that you have, yourself and your time.
Asset Preservation Workshop is a complete turn-key system designed to continually deliver new prospects to you each month by hosting a two-hour educational seminar. Plug into a complete marketing and business development system that provides a national speaker, seminar presentation, and estate planning attorney's expertise.
 Social Security Rescue is a proven seminar system that is designed to educate married couples on the best time to enroll for Social Security Benefits. This new system can show couples how to maximize their lifetime income by using fact finders, sales tools, and professionally designed presentation modules.
To learn more about Asset Preservation Workshop or Social Security Rescue, visit the CBU Website, or call 1-866-275-3345.
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Selling Like the Pros
Here are some things to keep in mind as you sell your products and services. 
- You're still there to educate. The trick with selling many financial products is that clients need help in understanding them-even if some products today are more transparent and straightforward than they were. This only reinforces the teaching role you have as financial advisors. This is especially true in worksite marketing, where the advisor's job has gotten harder.
- Answer your phone. Make every incoming call a sales opportunity.
- Be the shoulder to lean on. Clients are extremely skittish these days; you have to be their rock. People haven't forgotten how devastated many of their retirement accounts and investment portfolios were five or six years ago, and they're looking or competent agents and advisors to help them.
- Don't be stubborn. Realize that the products you're used to selling aren't necessarily what people need or want now.
- Be the wet blanket for your investing clients. One way to demonstrate trustworthiness is simply to remind clients about the inevitability of market corrections when the market is soaring.
- Continue selling. Even if all of your clients are referrals, you still have to sell your products and services.
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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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