Recent News

How To Sell Life Insurance To Millennials

Submitted by admin@cbuteam.com on

Millennials are the largest living generation today, controlling $200 billion in annual spending power in the US. Although many are burdened by student loans and underemployment, their buying power will only continue to increase as they inherit businesses, estates and jobs from retiring baby boomers. They are also a “saving generation” and are already planning for their retirements.

DOL Fiduciary Rule and the Proposed Delay

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The U.S. Department of Labor (DOL) is set today, March 17th, to push the proposed delay to the Fiduciary and Conflicts of Interest Rule on the Federal Register. The delay would push the applicability date to June 9, 2017, creating a 60-day delay. This is significantly less than what many industry professionals speculated after President Trump’s memorandum on Feb. 3, 2017. 

What Is Indexed Universal Life (IUL) Insurance?

Submitted by admin@cbuteam.com on

Cash-value life insurance (variable, indexed, or fixed) are some of the most complex financial products in the market today. Many different things factor into a properly structured indexed universal life insurance policy. Client health ratings, insurance carrier solvency, cost and fees in the policy, index options, persistency bonuses, loan rates, product features, rider options, term insurance riders, and so much more. As with many other things in life, good things don't come easy.

Important Notice for Monday, February 13, 2017

Submitted by stephanie@cbute... on

The central region of Maine, where our main office is located, is expected to receive a record amount of snowfall beginning Sunday, February 12, 2017 and into the day on Monday, February 13, 2017. Considering the potentially unsafe driving due to the blizzard conditions, our office will have limited call in phone support on Monday, February 13, 2017. We would like our team to stay safe and do not want them on the roads. Our team members will be working from their homes and monitoring their emails as usual so feel free to content them via email for any sales, support and marketing needs.

CBU is Proud To Sponsor The Maine HR Convention 2017

Submitted by admin@cbuteam.com on

Combined Benefits United is proud to be a sponsor once again for the Schooner Room Workshops at the Maine HR Convention, being held May 9-12, 2017 in Rockport, Maine at the Samoset Resort.
Hosted by Northern New England Law Publishers, Inc, the Maine HR Convention features inspired keynote speakers like a filmmaker from Montreal, an "earth shaker" from Arizona, a barrier-breaker from Minneapolis,and a lunch lady appreciator from Florence, MA. There are also various hosted workshops, a gala dinner, and more events throughout the 4 days.

CBU Awards David Stearns With 2016 Valued Business Partner Award

Submitted by admin@cbuteam.com on

Combined Benefits United would like to congratulate our friend and partner David Stearns of Dale Carnegie Maine. David was recently awarded with the Highest Performance in Training Award, which was given to him at their recent International convention.

David also recently achieved his Carnegie Master Trainer level, which is the highest level within the Dale Carnegie system!

Lifespan In The U.S. Falls, But The Wealthy Are Living A Decade Longer

Submitted by admin@cbuteam.com on

Ah, lifespans. They ain’t what they used to be.

Two disturbing studies have shown that life expectancy in the U.S. is on the wane, as more people die from illnesses, and that wealthy Americans have a substantially longer lifespan than poor Americans. The National Center for Health Statistics, reported the Huffington Post, released a study showing that in 2015, Americans’ mortality rate from a variety of illnesses rose sufficiently to drive down life expectancy for the first time in more than 20 years.

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