Greetings!
June is a great time to reevaluate your current production goals. With six months left in the year, there is plenty of time left to meet your 2014 personal production goals!
In this newsletter, we will discuss this years CBU and Magellan Financial Incentive Trip and Washington National Sales Celebration as well as ways that CBU can help you farm your current Medicare book of business. We re-introduce you to the Allianz Preferred product line and as always, a sales tip from the Million Dollar Round Table is shared.
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2014 CBU and Magellan Financial Incentive Trip
7 Day All-Inclusive Caribbean Cruise
 Combined Benefits United and Magellan Financial hosted their annual incentive trip from April 20-27 aboard the Royal Princess Cruise ship by Princess Cruises. With stops in St. Thomas, St. Maarten and Princess Cays, this all-inclusive Caribbean Cruise was an experience to remember. Pictured are Jac Arbour, Vice President and Life/Annuity Division Manager, Ray Vallee, President of Combined Benefits United, Kevin Frisbie, Senior Division Manager and Bruce Macomber. Watch the video below to view the highlights from this years incentive trip.
 | | 2014 CBU and Magellan Financial Incentive Trip |
Click here for information on next years Combined Benefits United and Magellan Financial Incentive Trip which will be held at the Hard Rock Resort Punta Cana in the Dominican Republic or call the CBU Office at 1-866-275-3345.
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2014 Washington National Incentive Trip
7 Day Mediterranean Cruise
 From April 30- May 7, 2014 Washington National Insurance Company hosted their annual incentive trip. Combined Benefits United top producing voluntary benefits agents experienced an unforgettable seven night journey aboard the Serenity with stops in Sorrento-Italy, Taormina- Italy, Greece, and Istanbul-Turkey. CBU would like to congratulate Justin Cotta Holmes who was presented with the Agent of the Year for the West Region award at this years sales celebration. Pictured are Mike Judge, Regional Vice President at Washington National, Barbara Stewart, President of Washington National, Justin Cotta Holmes, Juliet Kelsey-Holmes, Ray Vallee, President of Combined Benefits United and Brian Heath, Worksite Division Manager. View the video below to watch highlights from this years Washington National incentive trip.
 | | 2014 Washington National Incentive Trip |
To learn how you can qualify for the 2015 Washington National Sales Celebration click here or call the CBU Office at 1-866-275-3345.
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Farming Your Medicare Accounts
Grow Your Book of Business
Are you specialized in Medicare? Did you know that the most valuable asset that you have is your current book of business? Combined Benefits United can help you talk with your current Medicare clients who are concerned with additional issues such as:
- When to Draw Social Security Benefits
- Long Term Care Alternatives
- Asset Protection Solutions
 | | Angela Wilkinson, Combined Benefits United |
To learn more about how CBU can help you farm your Medicare business, call 1-866-275-3345.
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Allianz Preferred Series
Allianz 360, 365i, 222 Fixed Index Annuity
 This new product line from Allianz, the Allianz Preferred Series, can offer you several advantages in the fixed index annuity market.
Why Allianz Preferred? Unprecedented demand along with steady growth of the fixed index annuity market has brought increased attention to the sales practices of annuity producers and marketing organizations throughout the country. This trend reinforces the importance of Allianz's leadership role. Allianz strives for leadership in product training, commitment to suitability, and most recently, partnering with preferred FMOs (such as Combined Benefits United) to ensure that there are trained suitability and compliance professionals who can help navigate suitability and ensure that the materials you use with clients - such as seminars - are compliant with ever-changing regulatory requirements.
- Allianz 360 Annuity - Allianz 360 Fixed Index Annuity with its 360 benefit rider (available at additional cost) can help your clients address both halves of the retirement puzzle - accumulation and income.
- Allianz 365i Annuity - Allianz 365i Fixed Index Annuity gives your clients the potential for indexed interest, plus a 6% bonus on any premium that they place in their annuity within the first three contract years.
- Allianz 222 Annuity - Allianz 222 Fixed Index Annuity is a new flexible retirement income solution you can customize to your clients needs. In addition to the features you expect from fixed index annuities - such as tax deferral, principal guarantees, and a death benefit - it also gives your clients more options for accessing those features and benefits.
To learn more about the Allianz Preferred Series, click here or call the CBU Office at 1-866-275-3345.
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Make an Impression
10 Business Habits that Stand the Test of Time
True success in this profession is not about taking an idea and using it once or twice. It's about habitually following processes and practicing courtesies that will put you on the path to success.
- Always be on time. To accomplish this, set your watch and all clocks 10 minutes fast. Under no circumstances should you ask someone to wait for you.
- Always do what you say you will do. Credibility and reputation are lost immediately if you don't follow through and always do what you say you will do.
- Always finish what you start.
- Always say please and thank you. It's rather simple; just treat all people with respect.
- Call every client on their birthday. It tells them how much you appreciate them. But, never discuss business when you call them for this purpose.
- Every time you write a policy, order an alternate policy for more. For example, if the client asks for a $1 million policy, tell the client, "The underwriter thinks you are worth $3 million, but if you don't think you are worth it, just take the $1 million policy." About 75 percent of the time, you will deliver the larger policy.
- After every potential client leaves your office, send them a handwritten note. Tell them how much you enjoyed visiting with them.
- After they become a client, send flowers. Send a basket of flowers that contains the note, "Welcome to the family."
- Tell your clients you would be happy to professionally assist two or three of their friends or family. Explain to your clients these referrals must meet one important condition: "I don't care how much money they have; if they are not as nice as you are, I don't want to see them."
- Ask everyone you talk to when their next CD comes due. This is how you can write $15 million to $20 million of annuities each year.
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 Combined Benefits United is a Field 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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