Question about Fighting both Ghoulfiends and Insurance Salesman

[Xenoris]

Hi everybody,

We were playing munchkin the other night and someone was versing the Ghoulfiends, then a wandering insurance salesman came on by into the fight.

I can only assume that: only fight with your level and only fight with your bonuses combine meaning you fight normally?

If someone could clear up this strange one that would be nice :)