Combined Services LLC

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At Combined Services LLC, we work with you, the producer, to customize programs that provide solutions for your clients. We assess the objectives of the client, analyze the options, and make recommendations to provide you and your client a program that will deliver the highest value possible. Since we are one of the largest insurance general agencies in New England, we have been able to create outstanding partnerships with many insurance carriers. Partnering with these carriers allows us more flexibility and choices for you and your clients.

Reliance Standard Life Insurance Company has been in existence for over 100 years and is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance. Reliance Standard understands that offering employee benefits can be a big challenge for small business. That's why Reliance Standard makes it easy with their SmartChoice® product, a flexible, comprehensive benefit solution so employers can offer the benefits their employees want – at a price their employees can afford.

Our COBRA unit is dedicated to the ongoing compliance administration of COBRA. We provide COBRA compliance administration to more than 250 employers based in Maine, New Hampshire, Vermont, Massachusetts, Connecticut and Rhode Island with facilities and beneficiaries located throughout the United States.

We know that working with multiple carriers on cases can be taxing. Trying to make sure that each of your client's needs are met with each renewal year among the carrier types can be overwhelming across your book of business. Put our 40 years of experience in the employee benefits field to work for you.

Anthony “Tony” Palanza is the Vice President of Sales. He has been with Combined Services for over 30 years. He is a past President of New Hampshire’s CLU Society and attended the University of South Florida and the University of Southern Maine. Tony is married with four children and three grandchildren. He resides in Dover, New Hampshire and enjoys golfing and reading historic novels.

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