Greetings!  

Thanksgiving is quickly approaching, and at Combined Benefits United, we are extremely thankful for all of the hard work that you do! We look forward to continue partnering with you in 2014.

In this newsletter, we discuss how you can qualify for this years sales incentive trip as well as the Asset Preservation Workshop and Social Security Rescue Seminar. We also introduce a product to supplement your Medicare client's health insurance plans. We also share a new sales tip from the Million Dollar Round Table.

It is officially Medicare Season, and if you're looking to supplement your client's health insurance plans, you've got to add GTL's Advantage Plus plan to your product list.

GTL Advantage Plus is designed to supplement current health insurance plans. It is designed to fill some of the co-pays, deductibles or coverage gaps. GTL Advantage Plus will pay cash benefits for:

• Daily Hospital Confinement
• Ambulance Benefit Rider
• Lump Sum Cancer Rider
• Skilled Nursing Facility Rider
• Lump Sum Hospital Confinement Rider
• Outpatient Surgical Benefit Rider
• Accidental Death and Dismemberment Rider
• Durable Medical Equipment Rider
• Additional Benefits

To learn more about GTL Advantage Plus, click here or call the CBU office at 1-866-275-3345.

How Women in the Financial Service Industry Stand Out 

A recent LIMRA report, "Untapped Potential," focusing on women in the financial services industry, discovers what's wrong and what's right for women in the industry today. Women who succeed as financial services professionals say they have to be great-not good. Among the many factors to their success, three stand out:

• Become skilled at time management. Financial advisors keep long and sometimes unusual hours to get the job done. One advisor noted the benefit of her home office providing time management training. This became a turning point in her success story. "It wasn't until I learned to manage my time that I really came into my own as a professional," she said.
• It pays to be a good listener. Most say building and maintaining  relationships will lead to success in the business. The emphasis is on relationships, not selling. Women advisors stress the importance of strengthening their client relationships over time, seeing them through life's milestones. Female advisors also talk about another key strength they have-the ability to support their clients by listening to them in a meaningful way. Female advisors spoke about the importance of building client relationships, but also the trade-offs to taking the time to do that.
• Training and support systems matter. Many advisors agree that if you don't have support systems in place to help foster and cultivate a career, it will be difficult to make it. Support may come in the form of in-person, Web-based, sales desk, or specialized consulting. Women tend to leverage support services more to drive success. Though the financial implications may impact the commitment organizations have to training and support, in the long run, successful results will win out.

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, 

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