Filed under: BenefitsPro, Broker Innovation Lab, Combs & Company, Combs & Company Blog, Happy Holidays, Health Insurance, Innovation Broker Lab, Innovative Broker Lab, Insurance Education, Insurance Women, Marketing, Motivational, Susan L Combs | Tags: BenefitsPro, Chelea Rykis, Cingeworthy Sales Tactics, Colleen Blum, Erika Ensign, Nancy Giacolone, Pancakes for Roger, Paychex, Sales Tactics, Susan L Combs, The Syrup
Original Article on BenefitsPro
It’s 4th Quarter, which means it’s also open enrollment. We are all tired, overworked and keep saying over and over to ourselves, “Just get through it.” But then…as my friend, Allison Cohen De Paoli put it so perfectly, you get “assaulted” by yet another vendor trying to sell you during the absolute busiest time of year, and you just can’t take it anymore.
After sharing some texts with my crew (Erika, Chelsea, Colleen & Nancy), it got me thinking that we can’t be the only ones. This prompted me to send an email to my list of about 300 women who have been featured in the “What’s the Good News, Ladies?” series over the years and see if others had stories to share.
Boy, did they! In less than 48 hours, over 50 women responded back with annoying, rude and downright appalling examples of how salespeople have approached them during this time of year.
So maybe this is a little bit of a public service announcement; maybe it’s a little eff you; or maybe it’s a little “how to sell to a woman 101.” Because people, you are missing it, and you are missing it big! You know why? I’m dropping some knowledge on you right here in case you didn’t know: According to American Express and the SBA, over 42% of businesses in the U.S. are owned by women and women make up over 51% of the U.S. population! And according to Forbes, 85% of women control or influence consumer spending. That means there are over 330 MILLION women who will sing your praises if you get it right, but they will run the bus right over you, hit reverse and do it again if you get it wrong. We will screenshot your email, text, LinkedIn DM or forward the voicemail to each other and we will remember to avoid you and your company’s services at all costs, because what’s the rule you should never forget?
Hell, hath no fury like a woman scorned.
Buckle up and take note, because you are getting a golden list that is the compilation of many uber successful women in our industry, including award winners, top producers, business owners and badasses. If you are in sales, print this out and put it where you can see it and then never do these things.
- The Gift Givers: Not the ones who are sending you a thank you for the business; we mean the ones who are trying to bribe you for a meeting. Gift cards and even shoes were offered to some of these women. What’s wrong with this? It can be looked at as rebating in some states and if you are a vendor with a license, you can lose it. And just as importantly, you make us feel gross.
- Bate and Switch – Recruiting: More than one woman emailed and said she had recruiters pose as a potential client. The meeting is booked, but once on the call, they realized it was a recruiter trying to hire them away. Do you really think someone worth their salt is going to come work for you when you have basically lied your way into a meeting and showed your ethical character?
- Bate and Switch – “I’m Interested in Your Services”: I’ve heard a few people bring this one up: Someone reaches out to you via email or social media, saying they’re interested in your services, so you set up a meeting. But once you get on the meeting, they have a full PowerPoint presentation on selling THEIR services. So not only did the vendor waste the person’s time as they prepared for what they thought was their own prospect meeting, they completely disrespected them by pushing the vendor’s agenda over theirs.
- Beauty and the Beast: I know you have all gotten this one, if you take a second to think about it. A breath of fresh air enters your inbox: finally, a well thought out email or message from someone that has done their homework! You accept the connection, but five seconds later, you get a spam sales pitch message and a link to set up a meeting. I had this happen recently and ignored it two times. By the third one, I was a little less than nice and said, “Dude, read the room. It’s open enrollment and if you really work with brokers, you’d know asking for a meeting right now is the kiss of death.” His response was basically that OE ends in 2 weeks (is he out of his mind?) and he wants to be one of the first people I reach out to. My response? I deleted the connection, took a screenshot and sent it to my friends, who won’t ever meet with him. Bravo.
- Badmouthing: You know how your gramma always told you, “If you don’t have anything nice to say, don’t say anything at all”? If the only way you feel that you can get business is by throwing others under the bus, are you really that good of a salesperson? One guy basically told one of woman that she was dumb because of the software she was using!
- Spam: “Hi…your profile looks interesting…” Raise your hand if you get 10 of these a week. Do you really feel like this is a differentiator? If someone makes me laugh, I always accept, even if I have never met them. But if it’s the same canned outreach, I delete it. And most others do, too!
- Not Knowing Your Audience: Man, this one came up a lot. Salespeople basically throwing spaghetti to the wall and hoping it sticks, but missing the mark because they didn’t take any time to really look at who you are as a professional. The sad thing with this one is, that they probably could have gotten a meeting if they did a little homework.
- Lying: I have to give a big shout out to the sales training I got from Paychex (I know my girl Rachel McLauchlin will echo this) as I really feel like it was some of the best. Two things I always remember: 1. If you sell on price, you’ll lose on price. 2. Never lie. One example I got of this was someone basically swiping a mutual connections LinkedIn list and pretending that the mutual connection recommended that they connect. When she called the mutual connection to see what was up, she discovered the deception and said, “I will not do business with him now.” So, this guy not only burned one bridge, he burned two, along with all the other people they will tell! (Gas up the bus, girls!)
- Did you Get My Email?: This one came up like 10 times. It can also be worded as “Let me bump this up to the top.” Most don’t get the hint that you didn’t respond for a reason and so keep on sending. Or they get a read receipt when you open the email, so then they have someone else who is supposed to be higher up in the firm reach out to you and say they know “you’ve been talking with their colleague.” So many of these do not have an “unsubscribe” feature, so you just end up blocking them.
- The Unapproved Meeting Request: Nothing grates on me more, and this was brought up by over half of the women who responded. If you are doing this, stop. Just stop. I don’t know who taught you this, but it’s wrong. It’s intrusive. It conveys that you think their time and schedule should be controlled by you. It’s dishonest. Think of the other person. Would you be thrilled if someone you had never met walked into your house, sat down at your dinner table and said, “Oh, is now a bad time?” I generally have a “three strikes and you’re out” rule, but this one is an immediate banishment in my book. I will never take a meeting from them and everyone I have talked to has similar feelings. Especially this time of year, we are all tired and overworked. When a funny meeting appears on our schedule that we don’t know anything about and we respond to the sender to get a little more information and find out it’s a sales pitch,, queue explosion. Hell, hath no fury….
If you couldn’t tell, I had a lot of time writing this and I hope you had fun reading it. I know we are all running on empty right now, so hopefully this gave you a little reprieve from the stress we all have this time of year. Maybe you got a little insight into how to sell to a woman and realized you might be doing some of these things in one way or another. Or maybe you just nodded your head throughout because you felt a connection to others in our industry. My hope is that it gave you a few laughs, headshakes and maybe a face palm, too.
I’d be remiss if I didn’t thank those who helped with this article; the emails that came in were just so much fun to read! Hang in there, ladies, and if you need a bus driver, I got you!
Filed under: BenefitsPro, Broker Innovation Lab, Combs & Company, Combs & Company Blog, Giving Back, Happy Holidays, Insurance Women, Susan L Combs, Women in Insurance | Tags: Be Of Service, BenefitsPro, Broker Innovation Lab, Combs & Company, Loneliness, Nancy Giacolone, Susan L Combs
This month, 2023 BenefitsPRO Broker of the Year, Nancy Giacolone, shares her thoughts on coping with loneliness during the holiday season and beyond.
By Susan L Combs and Nancy Giacolone | November 21, 2023 at 08:21 AM
Original Article on BenefitsPro

This month’s edition of “The Syrup” has a special ingredient! It’s our current Broker of the Year and my dear friend, Nancy Giacolone. Nancy and I have been peer mentors to each other for a number of years and we recently had a conversation about loneliness. It’s a topic that we have seen come up with our own families, as our mothers are both widows. We have also witnessed it with colleagues and clients in our industry. Our discussion led to a guest authorship for this month’s article to tackle this topic and shine some light on some of the things we don’t always think about as the holidays roll around.
And with that, I’ll turn things over to Nancy.
The festive music, twinkling lights, and cheer that fill the air as the holiday season approaches are often thought of as universal markers of joy and togetherness.
Yet, for a growing number of people, this time of year may amplify feelings of isolation, highlighting the stark contrast between societal expectations of warmth and camaraderie and their own personal experiences of solitude.
The “loneliness epidemic,” as health professionals and social scientists have termed it, is an increasingly recognized public health concern that does not pause for the holidays. In fact, it often intensifies during this time of year.
A recent Gallup Poll found that loneliness is not confined to the elderly. They reported that nearly 25% of adults feel very lonely, and younger people feel significantly lonelier, with the loneliest group being between the ages of 19-20.
Loneliness has been linked to a myriad of health issues, both mental and physical. The risk of developing conditions such as heart disease, depression, anxiety, and a weakened immune system is higher among those who experience chronic loneliness.
Alarmingly, some studies have equated the health risks of prolonged loneliness to smoking 15 cigarettes a day. Furthermore, loneliness can lead to a vicious cycle, where the lonelier one feels, the less they engage socially, exacerbating one’s isolation.
Gatherings, family traditions, and social festivities typically characterize the holidays. However, they can also serve as a magnifying glass for one’s social situation, illuminating the quality and quantity of our relationships.
For those who are estranged from family, have recently lost loved ones, or are far from home, the season can be a reminder of what — or who — is missing.
The proliferation of social media adds another layer, as idealized depictions of holiday happiness can deepen the sense of exclusion for those who feel their reality doesn’t measure up.
So, what can you do if you are experiencing feelings of loneliness this time of the year?
- Frequent “third places.” These places are not home or work, but locations where people gather socially. Think parks, coffee shops, libraries, churches, or sporting events. Meeting people in places where you share a common interest will help foster connections.
- Volunteer. Volunteering takes the focus off of yourself and puts it on others, which can foster a sense of purpose and community.
- Community events. Holiday concerts, festivals, or bazaars are great places to meet and connect with others. Not to mention, they usually have some good music and tasty treats!
- Visit someone you know may be lonely as well. Maybe you have an elderly neighbor who lives alone. Dropping by with a plate of cookies to check on them may be just the lifeline you are both looking for!
- Although technology is no substitute for in-person interaction, sometimes it can help bridge the gap! Does your family live across the country? Have a Zoom holiday party or create a new tradition where you decorate your trees together virtually.
The holiday season should be a time of joy and connection, but for those experiencing loneliness, it can be particularly challenging. By acknowledging this reality and taking proactive steps to address the loneliness epidemic, we can extend the spirit of the holidays to include compassion, inclusivity, and community. The gift of connection might be the most precious one we can offer in a season marked by giving.
Filed under: Charity, Combs & Company, Feature Friday, Giving Back, Happy Holidays, Susan L Combs | Tags: Combs & Company, Girls Inc, Giving Back, Happy Holidays, Susan L Combs
Combs & Company’s last charity shout out of the season for 2017 is for Girls Inc! The network of local Girls Inc. nonprofit organizations serves girls ages 6-18 at more than 1,400 sites in 400 cities across the United States and Canada. Their research-based programming is delivered by trained professionals who focus on the development of the whole girl, supporting, mentoring, and guiding girls in an affirming, pro-girl environment. There, girls learn to value their whole selves, discover and develop their inherent strengths, and receive the support they need to navigate the challenges they face.
Girls Inc. girls live healthy and active lifestyles and are less likely to engage in risky behavior; they are eager to learn, successful in school, and more likely to graduate from post-secondary education; and they display diligence, perseverance and resilience.
Filed under: Charity, Combs & Company, Giving Back, Happy Holidays, Susan L Combs | Tags: Combs & Company, Giving Back, Happy Holidays, St. Jude, St. Jude Children's Research Hospital, Susan L Combs
St. Jude Children’s Research Hospital has always been very near and dear to my heart. In 1989, my brother, Matthew Combs, was diagnosed with Acute Lymphoblastic Leukemia (ALL) and was treated at St. Jude Children’s Research Hospital in Memphis, TN. Matt is the longest surviving male bone marrow transplant to have been performed at St. Jude Children’s Research Hospital, dated June, 19th, 1991. He is now an oncology nurse giving back to critical care patients and paying forward his gift of life.
During this time of year my family is reminded of the true holiday spirit and what a blessing St. Jude Children’s Research Hospital has been to so many through the years.
Happy Holidays!
Susan
Filed under: BeadforLife, Charity, Combs & Company, Feature Friday, Giving Back, Happy Holidays | Tags: BeadforLife, Combs & Company, Giving Back, Happy Holidays, Susan L Combs

Combs & Company has been a supporter of BeadforLife for the past 3 years and continues to be fascinated at all they do!
Check out an excerpt from their website as they tell their story best!
“Paper bead jewelry was only the beginning. We could have stayed the course, working with one group of women to create fair trade products that we could sell for them in the U.S. market – but we had bigger dreams. We created an entrepreneurial business training program, giving women living in poverty the skills and confidence they need to go out and create their own local businesses before they graduate. Salons, shoe stores, and produce stands are cropping up in Uganda and women are making money and living out their dreams. Not only do they have income, but now they have the confidence to be sustainable business women – meeting their own needs and creating a generation of confident and capable children.
But we haven’t stopped there. We’ve taken the best parts of that original business program and created The Street Business School. These savvy women don’t make products (for us), they make progress! They are women who have dreamed of running successful businesses, and that’s exactly what they do when they graduate, only six months later! See the impact.
Now we’re taking this proven poverty eradication program to the world! We will partner with organizations around the globe to share our program, so that we can ignite the lives of one million women!”
Filed under: Charity, Combs & Company, Feature Friday, Giving Back, Happy Holidays | Tags: Combs & Company, Giving Back, Happy Holidays, iMentor, Susan L Combs
Mentorship is very near and dear to our hearts at Combs & Company, that’s why we are supporting iMentor this holiday season. iMentor builds mentoring relationships that empower first-generation students from low-income communities to graduate high school, succeed in college, and achieve their ambitions.
Looking to give some love? There’s a lot to love with iMentor!
Filed under: Charity, Combs & Company, Feature Friday, Giving Back, Happy Holidays, Susan L Combs | Tags: Combs & Company, Giving Back, Happy Holidays, Operation Homefront, Susan L Combs
As mentioned earlier this week, Combs & Company is sharing the love with multiple charities this holiday season! Next up is Operation Homefront! Operation Homefront’s mission is to build strong, stable, and secure military families so they can thrive — not simply struggle to get by — in the communities they have worked so hard to protect. For over fifteen years, the have provided programs that offer: RELIEF (through Critical Financial Assistance and transitional housing programs), RESILIENCY (through permanent housing and caregiver support services) and RECURRING FAMILY SUPPORT programs and services throughout the year that help military families overcome the short-term bumps in the road so they don’t become long-term chronic problems.
Looking to spread some holiday cheer? Consider Operation Homefront!
Filed under: BeadforLife, Bideawee, Combs & Company, Feature Friday, Giving Back, Happy Holidays, Hearts of Gold, IAVA, WhyNotCare | Tags: Combs & Company, Happy Holidays

Filed under: Bideawee, Charity, Combs & Company, Feature Friday, Giving Back, Happy Holidays | Tags: Bideawee, Combs & Company, FeatureFriday
In lieu of holiday gifts and cards to our clients and colleagues we choose to support charities that have touched one of our Crew Member’s hearts. Please read about our second Holiday Feature Friday where we honor Bideawee!

