Greetings!  

After a long and very cold winter, we are finally starting to see signs of spring! Along with warmer weather, spring has brought new marketing systems, exciting incentives and products to help increase your production!

In this newsletter, we discuss our newest marketing system, CBU Effects and discuss a key component of this system-Washington National Active Care. We introduce two exciting incentives for WN producers and announce our newest featured agent. As always, we also share a helpful sales idea.

Washington National Active Care is a supplemental product that conveniently combines the best features of cancer, heart/stroke, hospital and accident policies, with benefits for additional critical illness. 

WN Active Care is a key component to an agent's success with our newest marketing system - CBU Effects. Active Care is a popular product with both Individual and Group/Worksite clients that provides a solution for gaps in coverage that exist in high deductible major medical plans even after health care reform (ACA).

Why Active Care?

• Competitive Commissions
• Fully customizable to work for every group and client
• Indemnified benefits and lump-sum payments up to $100,000 for major illness
• Benefits for Alzheimer's disease, diabetes, TIAs, hospital stays and annual care

Washington National Active Care can easily transform and grow your group and individual business.

To learn more about Washington National Active Care click here or call the CBU Office at 1-866-275-3345.

Washington National has created a sales incentive that is exclusive to CBU agents in 2014. There are three different opportunities within this incentive.

1. New Agent Group Bonus: $300 for first 3 issued groups in a 60 day period. Brian Heath will assign the bonus start date to each new agent for their worksite sales incentive period.
2. All Agent Annual Bonus: Up to $1,050 per quarter. 2% bonus for 15,000+, 2.5% bonus for 2,5000+, 3% bonus for 35,000+
3. $1,000,000 Goal Bonus: $20,000 year end profit share
• Agents may participate in this bonus when they reach 100,000 in NAP for 2014. Each qualifying agent will be awarded a percentage of the $20,000 bonus based on their 2014 sales contribution to the million dollar goal attainment.
• Agents achieving 50,000 to 99,999 in NAP for 2014 may participate in the bonus at 50% of their contribution ratio.

Washington National has also announced their 2015 Sales Celebration. 

For this incentive trip, WN will be sending top producers to the coast of Santa Barbara, California. From April 20-23, 2015, top agents will be traveling Bacara Resort & Spa - the ideal destination for a spectacular seaside escape. To attend this incentive trip, please see the production requirements below. All business must be issued and paid from January 1, 2014-December 31, 2014.

For more information on these incentives, click here or call the CBU office at 1-866-275-3345.

The Story of the Underdog

In the mid-1930's, a kid from Illinois struggled to read as he grew up. His brain would not allow him to read as smoothly because words were mixed up in his head as he read along, causing his pace and comprehension to be much below average. He was diagnosed as being dyslexic, which for most people would be considered a disadvantage. The only thing is, he didn't look at it that way, and he turned his disadvantages into a strength. You see, he knew that he couldn't read as well as the other kids in class, but he knew that he could overcome that by becoming an avid listener. While other kids in class would be taking notes and reading texts, he would be listening to the teacher and he would remember every single word he heard.

There are several lessons to be learned within this story but I want to focus on #1. Listening is a strength but not something that is given to us, it is something we must teach ourselves and we must continually work on becoming better listeners. Too often, we are caught thinking of what we want to say next instead of listening to what the customer, colleague, manager, or significant other is saying to us. They will often identify exactly what we need to do to win them over in their words, but if we are not listening how can we possibly hear them?

"Tell me more" is a three word statement that should be said in your conversations each and every day. Let them talk, let them tell you what they want you to do for them, and then doing it is the easy part.

• "Tell me more about your current marketing plan."
• "Tell me more about your staff and what each person's role is."
• "Tell me more what your plans are for tax season."
• "Tell me what your current FMO or IMO does for you."

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,