When looking for an Insurance Marketing Organization to represent as an independent agent, you must ask yourself how the company of your choice is different from all others.  At Combined Benefits United, Inc. we recognize that caring for our agents and investing in their training is a win-win for everyone - you, your clients, and CBU.  We provide consistent lead programs, ongoing trainings and an array of incentive trips in all three of our divisions - Life and Annuity, Worksite Benefits and Senior Care.  We believe being "the right partner" means giving our agents and producers the tools they need to succeed.

From lead programs to incentive trips, here are a few key components that make CBU different from other Insurance Marketing Organizations.

Asset Preservation Workshops: A turn-key workshop system that specializes in safe, money concepts, and is an educational seminar that provides legal and financial information to Baby Boomers and Seniors. 

National Speakers on Retirement Issues
Rich Cohen	Bruce Macomber	Al Smith

Annual Fall Retreat: This event is hosted in beautiful Central Maine and the experience has been one of value that has augmented the careers of some of the most successful people in the industry, as well as sparked careers for new agents.

The 2011 Fall Retreat is slated for September 18-22 and will take place at Maple Hill Farm located in Hallowell, ME.

Key Presenters Include:

• Maine Humorist Gary Crocker
• Inspirational Speaker Joshua Kennison
• Motivational Speaker David Stearns from Dale Carnegie Training

Incentive Packages: These incentive trips are allotted in all three divisions of CBU and hundreds of agents benefit from these award programs annually.  

• Spring of 2012 - Five Days in Playa Conchal, Guanacaste, Costa Rica
• April 2012 - Eight days at The Island of Fiji - InterContinental, Forbes Top 10 Best Beaches in the World
• April 2012 - Five days on the Hawaiian Island of Kaua’i at the Grand Hyatt Kaua’i Resort & Spa

Past incentive trips include: 

•  Three days at Northern Outdoors -Maine's Premiere Adventure Resort
•  Two nights in Nashville, TN at the Gaylord Opryland Hotel
•  A week long retreat in the Bahamas
•  Five days of relaxation in Aruba
•  Two days in Indianapolis, IN to catch the Boston Celtics v.s. Indiana Pacers

Home Office Training: Many of our agents travel to the Home Office of our valued partners to receive up to date training and new sales concepts. This intimate relationship with our trusted carriers, is a major element that sets us apart from other Insurance Marketing Organizations.

Recent Home Office trainings:

• Washington National Conseco
• Aviva
• Foresters

Producer's Forum: Our Managing General Partners' main objective is your success as an insurance professional. We want to shorten your learning curve so that you are able to jump start your area of focus and succeed in this rewarding industry.  

The third Friday of every month we invite all our agents to join us for a three hour session that will leave you feeling energized and full of new ideas. The Producer’s Forum is dedicated to keeping every agent up to speed with the most current products and news in the industry. Each month, The Forum introduces a guest speaker who may be an Estate Planning Attorney, a Dale Carnegie inspirational speaker, a Regional VP of sales discussing a new product, or an individual discussing alternatives to products such as traditional Long Term Care or term life insurance contracts.

Training Manuals and Guides: At CBU, we feel it's important to get agents off to a great start.  We've developed in-house training materials for programs within the Life and Annuity Division, Worksite Benefits Division and Asset Preservation Workshops.

	Worksite Division As an industry leader in the Voluntary Benefits Marketplace, CBU has developed an innovative success track that will set you on your way to a career, not just a job.  Our proprietary Fast Track Worksite Guide is designed to be YOUR blueprint to success. It was developed over a period of time using success stories from the field and outside sales consultants to develop a “best practices” guide to assist future hires in achieving their desired results.
	Asset Preservation Workshops We understand that the most important aspect to the longevity of your career is to have people hear your message.  Seminars provide the ability to tell a story one time to a large audience, rather than to one individual at a time. In this manual, we describe the step by step process that a financial professional would follow in hosting a workshop.  It is a system that we are excited to share and one that we have taken great pride in designing.
	Life and Annuity Division - Final Expense This manual contains recommendations that have been derived from years of experience in the field of final expense insurance. This manual offers advice and stresses the importance that you understand the “A-Z” of Final Expense life insurance selling.  As you master these tips, you will become a student of the business that you are in and you will ensure for yourself - a healthy career.