Greetings!
Summer is in full swing and Independence Day is right around the corner. CBU is not only celebrating the 4th of July but also the launch of our newest marketing system, CBU Effects, as well as many new training materials.
In this newsletter, we discuss the CBU Effects Appointment Setting System and the new RMD Planning Playbook. The newest Allianz client sales presentation and the upcoming Life Assurance Webinars are introduced. We also announce the 2015 CBU incentive trip location and qualification details and as always, a sales tip from the Million Dollar Round Table is shared.
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CBU Effects
Cutting Edge Appointment Setting System
Combined Benefits United has  integrated state of the art search engine technology with local prospect targeting to generate quality appointments. If you are a selected agent, these appointments will be available to you on a split commission basis.
These appointments will:
- Increase your sales output by several hundred percent
- Grow your business with no upfront costs
- Expand your product sales into more profitable lines
- Eliminate your costs of trial and error marketing and focus on what you do best - selling
- Allow you to partner with veteran agents to close your sales when needed
- Replace your time spent on cold calling and advertising with making sales
- Put the expertise of the top ten national digital and local advertising companies to work for you.
For more information on this exciting new marketing system click here or contact Juliet Kelsey-Holmes at 617-470-8381.
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RMD Planning Playbook - 10 Page Download
Using Fixed Index Annuities to Preserve Qualified Assets
What is the Solution for Clients That Don't Need Income?
With $23 Trillion in retirement assets and over 10,000 baby boomers retiring ever day, the opportunity has never been stronger. Many potential clients lack an adequate understanding about Required Minimum Distributions (RMD) and are unaware that these forced withdrawals can have a dramatic impact on retirement savings, not to mention the potential 50% Tax Penalty for not complying! This all new 10-page agent guide explains the "RMD Planning" concept in easy to understand terms, and we are confident it will immediately help uncover hidden FIA sales opportunities, especially with clients that may not have an immediate income need.
Not seeing the image above?
Click here to gain access to the 10-page agent guide
"RMD Planning Playbook"
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Life Assurance Webinar
Marc Lauffenburger, Director of Life Sales, Magellan Financial Services
When proposing life insurance to a client, it  is important to remember what people are looking for in a life insurance policy. It is also essential to educate your clients on how life insurance is a necessary piece to their retirement puzzle. Marc Lauffenburger, Director of Life Sales at Magellan Financial Services will be hosting monthly Life Assurance Webinars to CBU agents. These webinars will teach producers various life insurance sales strategies. Life insurance can provide the following to your client's retirement portfolio:
- Long Term Growth
- Competitive Returns
- Tax-Deferral
- Compound Interest
- Low Fees
- Low Risk
- Principal Protection
- Tax Free Distribution
- Companies with Experience
Your clients are looking for choice and control with their life insurance policies. Life insurance is not a security or an investment. Learn how to sell your clients "life assurance" rather than life insurance.
Stay tuned for details on these monthly Life Assurance Webinars.
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Allianz: New Client Approved Presentation
Understanding Fixed Index Annuities
Allianz has recently  released a new client approved presentation. This sales presentation will introduce your clients to the idea of Fixed Index Annuities and teach them the basics of these products and how they can enhance their retirement portfolio. The four objectives of this presentation are:
- Times have changed-are you prepared for the next 30 years?
- Understanding the basics of FIA's
- Is an FIA right for you?
- The next step
To view and download this sales presentation, visit the Allianz website or contact Shelby Thibeau at 866-275-3345.
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2015 CBU Incentive Trip
Hard Rock Resort Punta Cana, Dominican Republic
After what will surely be a breakout year for all of us in 2014, the Hard Rock Resort Punta Cana in the Dominican Republic will be just the reward, pampering and get away you deserve. No matter how you define "relaxation and getaway" Hard Rock Punta Cana will deliver.
- 15 world class pools
- The Hard Rock Golf Club at Cana Bay, a Jack Nicklaus designed course, that is 7253 yards from the back tees giving you all the challenge you want.
- The 14,000 square foot Oro Nightclub that would rival the finest that Vegas or Miami has to offer.
- Let's not forget the most pristine beaches in all of the Caribbean.
Whatever you need to getaway, relax and recharge, do it with CBU at the Hard Rock Resort Punta Cana...destined to be our best trip yet!
2014 Qualification Details
All business must be issued and paid from:
January 1, 2014 - December 31, 2014
- $3 Million FIA Premium
- $150,000 Target Life Premium
- Combination of Life/Annuity
For more information, click here or call CBU at 1-866-275-3345
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Attract Trust
Build a community of right-fit clients by behaving in a way that earns trust.
Trust is not the objective in an advisor-client relationship. Rather, trust is a byproduct of the other things you do, such as your behavior, your communication and the quality of your work. Following are nine time-tested ideas for behaving in ways that create the byproduct of trust.
- Look for right-fit people to join your client community versus going after anyone with money. Create an ideal client profile where personality is equally important to money for them to earn an invitation to join your client community.
- Ask good questions about your clients' values and goals.
- Listen with empathy. The tendency, especially during an initial client interview, is to think about what you are going to say next while they are answering your question. When you do this, you don't really hear what they said. Have your questions memorized so you don't have to think about what you will ask next, thus allowing you to by fully present and a much more empathic listener.
- Record you client meeting, especially the initial client interview.
- Give advice with conviction. Salespeople tend to offer alternatives and let the prospect or client choose. Trusted advisors gather all the information they need, consult with other experts where appropriate and - with conviction - give the best advice for the client.
- Tell the truth, even if doing so jeopardizes the relationship. It's your job to tell the truth, especially when it's what they need to hear and not what they want to hear.
- Be inspiring. Focus on helping clients and prospective clients create a compelling vision for their future and become their bridge to make it happen.
- Be a comprehensive financial professional. It's interesting that most financial advisors claim to be comprehensive, which implies "everything." Do you really help your clients take care of everything related to their money?
- Put the client first. It's simple: In all situations, under all circumstances, put your client's needs ahead of your own.
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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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