Combined Benefits United is an Independent Marketing Company located in beautiful Hallowell, Maine. Founded in 2000 by Ray Vallee, CBU has been working with financial services professionals and personal clients, to develop solutions in today’s continually changing economy. CBU currently has agents active in 35 states, and with professionalism and service, has become a leader in financial services marketing. We place great emphasis on nurturing relationships with our producers and clients, assisting them on every level to enjoy measurable results that stem from the foundation that CBU is based upon. We believe that this philosophy is essential for our continued growth – and the future success of any company.

CBU is made up of three separate divisions, each division equally valuable to our business partners. These areas of focus are: Life and Annuity Division, Senior Division and Worksite Division. The goal at CBU is to develop a strongunderstanding of each individuals and businesses needs and concerns, todevelop a sound financial plan, using innovative financial ideas and consider all possible and current solutions.Having access to a multitude of carriers, we are able to search the marketplace for the best possible solution. This is why we feel as the though CBU is “The Right Partner” for you.

Our Mission Statement:
"To achieve excellence within the insurance marketing industry through every word and action, leading with transparency and conviction, while cultivating relationships with the highest level of integrity."