CBU News - December
A Monthly Update for Insurance and Financial Professionals

December 2015
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December is upon us which brings about the buzz of the holidays and a scurry of year end sales. It's also a time where
many of our carriers are offering new sales opportunities, product enhancements and incentives to start 2016 off right.  

The following e-news offers a taste of what's to come in 2016. We wish you a Happy Holiday Season and look forward to a Healthy and Prosperous New Year! 

See you at the next Producer Forum on Friday, January 15th in Portland, ME!


Raymond Vallee Jr.
Combined Benefits United, Inc.   
Learn From Harvey Mackay    
Offering $150,000 worth of advice for only $100  
Harvey Mackay During CBU's November Producer Forum, our Vice President Jac Arbour, announced an offer specifically for CBU advisors from bestselling author Harvey Mackay*.

In 2011 Harvey Mackay had a vision. Could he take an elite group of America's most successful business owners to the highest level - the zenith of accomplishment? Harvey invited a diverse group of 30 top entrepreneurs to meet privately, hear presentations by leading authorities on business and life, and exchange their most effective success strategies. All agreed that the experience was worth many times the $75,000 per year cost of admission.

In 2014 Harvey Mackay had another vision - take what transformed the lives of 30 Roundtable Members and make it affordable to every business owner, manager and entrepreneur in the country. Through Jac's association with Harvey Mackay, for just $100, you can now access $150,000 in transformational business advice and life savvy. Normally $990.

Here's how:

Scroll all the way down 
Click buy $990
Enter promo code: harveyjac
Click apply
Cost reduces to $100
Enter payment method
Login info will be emailed immediately
Enjoy for the rest of your life

*Harvey Mackay (born 1932) is a businessman, author and syndicated columnist with Universal Uclick. His weekly column gives career and inspirational advice and is featured in over 100 newspapers. Mackay has authored seven New York Times bestselling books, including three number one bestsellers. He is also a member of the National Speakers Association Council of Peers Award for Excellence Hall of Fame. 
Marketing Programs on the Horizon     
Delivering New Concepts in 2016    
As we look ahead to 2016, we have some innovative and exciting marketing programs to roll-out. Some are currently being designed and others are in the initial testing phase. Our tried and true seminar systems are still available but will be significantly enhanced.

Our staff, seminar speakers and FMO partners are busy prepping materials and setting dates for a formal launch of these programs.

Here's the list of the new programs, please stay tuned: 
  1. RETIREMENT YOU will replace Social Security Rescue
  2. 3 New Workshop Platforms: Social Security Retirement Workshop, Income Planning Retirement Workshop, ABC's of Annuities Retirement Workshop
  3. New Online and Mobile workshop registration options
  4. Customizable tickets and flyers
  5. RETIREMENT YOU Autopilot - an online nurturing program
  6. Radio Commercials
  7. Dedicated Registration Voicemail Box - for online marketing
  8. Proprietary RETIREMENT YOU mailer
  9. Offering $5 gift cards
  10. Lunch & Learns
  11. Enhanced Mentorship Program
  12. Federal Benefits Planning Program
If you have questions or concerns, please contact Juliet Kelsey Holmes at juliet@cbuteam or 207-215-6665.
Critical Care Just Got Better     
A lot better   
Critical Cash_a LTC alternative
They've lowered the rates and increased the benefits!

Example: Old Plan 
Age 55

*24 Months
*$2,000 Base
*$2,000 Nursing Home
*$160 Monthly Payment

Example: New Plan 
Age 55
*24 Months
*$1,000 Base**
*$5,000 Nursing Home (150% more)
  *$93 Monthly Premium (42% less)

**$24,000 Lump Sum Payment Upon Diagnosis -
base now paid in lump sum

For your clients who can't qualify for long term care, look no further than GTL's new Critical Cash

For information on this product, call the CBU office,  
ask for sales support - 1-866-275-3345.

Ask about our Critical Cash sales incentive where you can earn up to $1,000 between now and January 31, 2016. Click for info
AIG Will Be Changing Their Rates     
Effective December 7, 2015  
Great news - the Power Select Builder and Power Select Plus Income opportunities just got stronger.  American General will be increasing caps and decreasing spreads on the following Power Select Builder and Power Select Plus Income strategies for policies issued on or after 12/07/15.
Power Select Builder
Annual PTP (Cap)
3.25% (increase)
Monthly Average (Spread)
4.90% (decrease)
ML Strategic Balanced Index
Annual PTP (Spread)
              3.50% (decrease)
Power Select Plus Income
Monthly Average (Spread)
5.50% (decrease)
Transition Rules

Policies issued on or after 12/07/2015 will receive the new rates. 

Helpful Links
3.00% 5-Year MYGA      
Limited Time Only! FG Guarantee-Platinum 5  
The FG Guarantee-Platinum® 5 Interest Rate Special Now Available

Get more for your clients with 3.00% for 5 years! The offer will only be offered for a limited time... so don't delay. Get a great deal for your clients with FG Guarantee-Platinum® single premium fixed deferred annuity!

* ONLY applications submitted electronically through our agent portal, Saleslink will be accepted

* ONLY cash with application will be accepted and funds must be received within 10 business days of app submission, no transfers or 1035 exchanges

* The minimum premium for this special rate offer is $20,000

* FG Guarantee-Platinum 5 production amounts generated during this interest rate special will not count toward the Power Producer Conference (incentive trip) or the Power Producer Program (deferred compensation restricted bonus program)

* Street commission during the interest rate special will be 2.25% through age 79

For more information about this interest rate special, please contact us directly with any questions at salessupport@cbuteam.com

Pack Your Bags       
Heading to the Ritz Carlson in Aruba!   
Congratulations to our 2016 Incentive Trip Qualifiers!

The Ritz Carlton in Aruba is just the reward, pampering and
getaway that our top producing advisors deserve.

No matter how you define "relaxation" The Ritz Carlton in Aruba will deliver a trip to remember .

We also want to give a shout out to several of our advisors that are "on pace to qualify" by the end of this month. You're hard work does not go unnoticed and we know you can make it happen!

Congratulations to our CBU office staff that will be going on this year's trip: Shelby Thibeau!
Raymond Vallee
Combined Benefits United is a Field Marketing Organization that is focused on powering insurance and financial professionals to be the best they can be. 

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"
In This Issue
Combined Benefits United

89 Water Street
Suite 2
Hallowell, ME 04347